Disclosures & Compliance

Our registration can be verified independently on SEBI's website at SEBI Intermediary Registration Search (opens in new tab) .

Nature of Advisory: Finsenz Wealth Advisory operates on a fee-only basis. We charge advisory fees directly from clients and do not receive any commissions, trail fees, referral fees, or any other remuneration from mutual fund houses, insurance companies, AMCs, stockbrokers, or any third-party financial product manufacturers.

This is in compliance with SEBI (Investment Advisers) Regulations, 2013 which prohibit a registered investment adviser from receiving transaction-based compensation from product manufacturers while providing investment advice.

All fees are subject to GST as applicable under Indian tax laws. Final fees are documented in the written Advisory Agreement signed before commencement of services. No fees are collected in cash. Payments accepted via bank transfer (NEFT/IMPS/UPI) only.

• Investment in mutual funds, equity, and other securities is subject to market risk. Past performance is not indicative of future results.
• The value of investments may go down as well as up, and investors may not get back the amount originally invested.
• Investments in equity and equity-linked instruments are particularly susceptible to short-term volatility. Investors should have an appropriate investment horizon.
• Debt and fixed-income instruments are subject to interest rate risk, credit risk, and liquidity risk.
• International investments involve additional risks including currency fluctuation and geopolitical factors.
• Tax laws relating to mutual funds and other financial products are subject to change. Investors are advised to consult a qualified tax adviser for tax-related queries.
• Registration with SEBI as an Investment Adviser does not in any manner guarantee performance of securities or the Investment Adviser.
• Finsenz Wealth Advisory does not guarantee any specific return on investments. All investments carry inherent risk.
• Advice provided is based on information provided by the client and our professional judgement. Accuracy depends on the completeness and accuracy of information provided.

Finsenz Wealth Advisory is committed to managing and disclosing all potential conflicts of interest as required under SEBI (Investment Advisers) Regulations, 2013.

• No Commission Income: We earn zero commissions from any financial product manufacturer. Our only source of income is the advisory fee paid directly by clients.
• No Proprietary Trading: We do not engage in proprietary trading in securities we recommend to clients.
• No Preferred Product Relationships: We have no commercial arrangements with any AMC, insurance company, or financial product distributor that could influence our advice.
• Referral Disclosures: If we refer clients to any third-party service provider (e.g., a tax consultant or legal adviser), we will disclose any referral arrangement upfront in writing.
• Personal Investments: The principal adviser may personally hold positions in financial instruments that may be recommended to clients. Such positions, if any, are disclosed in the advisory agreement.
• Family Members: Immediate family members of the principal adviser do not engage in activities that could create a conflict with our advisory services.

If you believe any conflict of interest exists that has not been disclosed, please contact us immediately at kartikiyer@finsenzwealth.com.

As a client of Finsenz Wealth Advisory, you have the right to:

• Receive written advisory services agreement before commencement of services.
• Receive a copy of the signed advisory agreement and disclosure document.
• Be informed of all fees, charges, and any change in fee structure before they take effect.
• Complete risk profiling before receiving any investment advice.
• Receive investment advice that is appropriate to your risk profile, investment objectives, and financial situation.
• Receive advice only on direct plan mutual funds, excluding commission-based products.
• Lodge a complaint with the Investment Adviser and receive a response within 30 days.
• Escalate unresolved complaints to SEBI SCORES, BASL, or through the ODR mechanism.
• Terminate the advisory agreement as per the terms specified in the agreement.

As a client, you are expected to:

• Provide complete, accurate, and up-to-date financial information as required for advisory.
• Disclose any material changes in your financial circumstances promptly.
• Read and understand the advisory agreement and disclosure document before signing.
• Make investment decisions independently based on your own judgement after considering our advice.
• Understand that advice is based on information provided and may change with new information.

Step 1 – Contact Us Directly:

Please email your complaint to kartikiyer@finsenzwealth.com or write to us at our registered address. We will acknowledge your complaint within 3 working days and resolve it within 30 days.

Step 2 – Escalate to SEBI SCORES:

If your complaint is not resolved to your satisfaction within 30 days, you may register your complaint on the SEBI Complaints Redress System (SCORES):

• Website: https://scores.sebi.gov.in (opens in new tab)
• Toll-free Helpline: 1800-266-7575 / 1800-22-7575

Step 3 – Online Dispute Resolution (ODR):

As per SEBI circular, you may also avail Online Dispute Resolution through:

• SMART ODR Portal: https://smartodr.in (opens in new tab)

Step 4 – BASL:

You may also approach BSE Administration and Supervision Ltd. (BASL) for resolution:

• Website: https://www.bseindia.com (opens in new tab)

Information We Collect: We collect personal and financial information you provide to us, including your name, contact details, PAN, income, assets, liabilities, and investment details, solely for the purpose of providing investment advisory services.

How We Use It: Your information is used to prepare and deliver personalised financial advice, fulfil our regulatory obligations under SEBI regulations, and communicate with you about our services.

Data Sharing: We do not sell, rent, or share your personal information with any third party except (a) where required by law or regulatory directive, (b) with your explicit consent, or (c) with service providers bound by confidentiality agreements who assist in delivering our services.

Data Security: We implement appropriate technical and organisational measures to safeguard your information against unauthorised access, disclosure, alteration, or destruction.

Data Retention: We retain client data for a minimum of 5 years as required under SEBI regulations, or longer as required by applicable law.

Your Rights: You have the right to access, correct, or request deletion of your personal data, subject to regulatory retention requirements. Contact us at kartikiyer@finsenzwealth.com.

The content on this website is for general informational purposes only and does not constitute investment advice, financial planning advice, tax advice, or legal advice. It should not be relied upon as the basis for any investment decision.

All investments involve risk, including the possible loss of principal. Past performance of any investment does not guarantee future results. The value of investments may fluctuate and investors may not recover the amount originally invested.

Finsenz Wealth Advisory is registered as an Investment Adviser with SEBI. SEBI registration does not in any manner guarantee the performance of the adviser or assure any returns to investors.

Information on this website is believed to be accurate as of the date of publication but may not reflect the most current market, regulatory, or other developments. Finsenz Wealth Advisory disclaims any obligation to update this information.

Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Investors are advised that there are no guaranteed or assured returns on investments in securities markets.

This website and its content are intended for Indian residents only. Non-residents should check their respective country laws and regulations before accessing or acting on any information herein.