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Disclosures

1. DISCLOSURE DOCUMENT

The particulars given in this Disclosure Document have been prepared in accordance with SEBI (Investment Advisers) Regulations, 2013. The purpose of the Document is to provide essential information about the Investment Advisory Services in a manner to assist and enable the perspective client/client in making an informed decision for engaging Investment Advisor before investing. For the purpose of this Disclosure Document, Investment Adviser is Bimal Chandra Jha (Ensure Wealth Investment Adviser).
A. Descriptions about Bimal Chandra Jha (Ensure Wealth Investment Adviser)
History, Present business and Background Bimal Chandra Jha (Ensure Wealth Investment Adviser) is registered with SEBI as Investment Advisor with Registration No. INA100007718. The registration had been obtained from SEBI in accordance with provision of Section 12 of the Securities and Exchange Board of India Act, 1992 on 23rd day of May, 2017. The focus of Bimal Chandra Jha is to provide investment advice to the clients on Mutual Fund, Life Insurance, General Insurance, NPS, Post office Saving Schemes, Government Schemes and other Financial Products suitable to clients as per their risk profile & requirement and help them to prepare suitable Financial Plan to achieve the Financial Goals. In the capacity as advisers the Bimal Chandra Jha aligns her interests with those of the client and seeks to provide the best suited advice based on client’s risk profile. Bimal Chandra Jha first tries to understand the client’s return expectations, risk taking ability & goals, which in turn helps to arrive at an asset allocation suitable for the client. Bimal Chandra Jha conducts frequent portfolio reviews and suggests any corrective action/s if required. Terms & conditions for advisory services Bimal Chandra Jha (Ensure Wealth Investment Adviser) will provide Advisory Services which shall be in the nature of investment advice, and may include buying and selling the securities for an agreed fee structure and which may be for a definite period of time and which may vary / change from time to time, entirely at the Client’s risk. The detailed terms and conditions are as per the agreement executed between client and Ensure Wealth Investment Adviser. Disciplinary history: No action has been taken against the Investment Adviser by any regulator. Affiliations with other intermediaries The Investment Adviser has no affiliations with any other SEBI registered intermediary.
B. Disclosures with respect to receipt of any consideration by way of remuneration or compensation or in any other form whatsoever, received or receivable by Investment Advisor or any of its associates or subsidiaries for any distribution or execution services in respect of the products or securities for which the investment advice is provided to the client:
Ensure Wealth Investment Adviser do not have any distribution or execution arrangement with the issuers of the securities that they advise on.
C. Disclosure of consideration by way of remuneration or compensation or in any form whatsoever with respect to recommending the services of a stock broker or other intermediary to a client:
Ensure Wealth Investment Adviser does not recommend services of any stock broker or intermediary to a client and does not have any commission sharing agreement with any intermediary for recommending the services either as a stock broker or as other intermediary.
D. Disclosures with respect to Bimal Chandra Jha (Ensure Wealth Investment Adviser) own holding position in financial products / securities:
Ensure Wealth Investment Adviser is not actively engaged into any proprietary trading however proprietor Bimal Chandra Jha may have positions in various Securities /Bonds/Mutual Funds and other financial products.
E. Actual or potential conflicts of interest arising from any connection to or association with any issuer of products/ securities, including any material information or facts that might compromise Investment Advisors’ objectivity or independence in the carrying on of investment advisory services:
Bimal Chandra Jha (Ensure Wealth Investment Adviser) has an independent activity of providing the Investment Advisory services. These services shall be provided by maintaining an arm’s length relationship with any issuer of products and/or securities. Appropriate Chinese walls are also maintained in the manner as expected under SEBI IA Regulations.
F. Disclosure of all material facts relating to the key features of the products or securities, particularly, performance track record, warnings, disclaimers etc.
Clients are requested to go through the detailed key features, performance track record of the product, or security including warnings, disclaimers etc. before investing as and when provided by the Investment Advisor. Such product materials may also be available to www.sebi.gov.in or www.nseindia.com or www.bseindia.com.
G. Drawing client’s attention to warnings, disclaimers in documents, advertising materials relating to investment products.
Investment Adviser shall draw the client’s attention to the warnings, disclaimers in documents, advertising materials relating to an investment product/s which Ensure Wealth Investment adviser is recommending to the client/s
H. Standard Risk Factors as perceived by Investment Adviser:
    1. Investments in equities, derivatives and mutual funds are subject to market risks and there is no assurance or guarantee that the objective of the investment / products will be achieved.
 
    1. The past performance does not indicate its future performance. There is no assurance that past performances will be repeated. Investors are not being offered any guaranteed or indicative returns.
 
    1. As with any investment in securities, the NAV of the portfolio can go up or down depending upon the factors and forces affecting the capital market.
 
    1. The performance of the investments/products may be affected by changes in Government policies, general levels of interest rates and risks associated with trading volumes, liquidity and settlement systems in equity and debt markets.
 
    1. Investments in the products which the Clients have opted are subject to wide range of risks which inter alia also include but not limited to slowing down economy, volatility & illiquidity of the stocks, poor corporate performance, economic policies, changes of Government and its policies, acts of God, acts of war, civil disturbance, sovereign action and /or such other acts/ circumstance beyond the control of AWA or any of its fellow subsidiaries.
 
    1. The names of the products/nature of investments do not in any manner indicate their prospects or returns. The performance in the equity products may be adversely affected by the performance of individual companies, changes in the market place and industry specific and macro-economic factors.
 
    1. Investments in debt instruments and other fixed income securities are subject to default risk, liquidity risk and interest rate risk. Interest rate risk results from changes in demand and supply for money and other macroeconomic factors and creates price changes in the value of the debt instruments. Consequently, the NAV of the portfolio may be subject to the fluctuation.
 
    1. Investments in debt instruments are subject to reinvestment risks as interest rates prevailing on interest amount or maturity due dates may differ from the original coupon of the bond, which might result in the proceeds being invested at a lower rate.
 
    1. The product may invest in non-publicly offered debt securities and unlisted equities. This may expose the investment/product to liquidity risks.
 
    1. Engaging in securities lending is subject to risks related to fluctuations in collateral value /settlement/ liquidity/counter party.
 
    1. The product may use derivatives instruments like index futures, stock futures and options contracts, warrants, convertible securities, swap agreements or any other derivative instruments. Usage of derivatives will expose portfolio to certain risk inherent to such derivatives.
 
    1. The use of derivative requires a high degree of skill, diligence and expertise. Thus, derivatives are highly leveraged instruments. Small price movement in the underlying security could have a large impact on their value. Other risks in using derivatives include the risk of mis-pricing or improper valuation of derivatives and the inability of derivatives to correlate perfectly with underlying assets, rates and indices.
 
    1. The NAV may be affected by changes in settlement periods and transfer procedures.
 
    1. The Investment Advisor may, considering the overall level of risk of the portfolio, advice for investment in lower rated/unrated securities offering higher yield. This may increase the risk of the portfolio. Such investments shall be subject to the scope of investments as laid down in the Agreement.
 

General Risks:

We trust that, before executing on the advice of the Investment Adviser, we have provided you with all the information about the products, risk factors etc. and you have gone through all the relevant information about the product being advised and have sought requisite clarification about the same. We shall maintain complete confidentiality of all information provided by you and shall not disclose any such information, without your prior consent except if such disclosure is required to be made in compliance with any applicable law or regulatory direction. We will obtain information pertaining to your orders/transactions/portfolio/funds availability/securities availability etc. to enable us to provide you with informed and appropriate advice.

Investors Services:

We declare that in terms of SEBI Circular No. SEBI/HO/OIAE/IGRD/CIR/P/2019/86 dated August 02, 2019 we have obtained SCORES user ID and password for redressal of investor grievances. Clients can register their Complaints on the Scores Website. Their grievances shall be resolved in accordance with scores guidelines as issued by SEBI.

2. DISCLOSURE COMPLIANCE

“Disclosure with respect to compliance with Annual compliance audit requirement under Regulation 19(3) of SECURITIES AND EXCHANGE BOARD OF INDIA (INVESTMENT ADVISERS) REGULATIONS, 2013 for last and current financial year are as under :
Sr. No. Financial Year Compliance Audit Status Remarks, If any
1 FY 2020-21 Conducted NA
2 FY 2021-22 Conducted NA

Ensure Wealth Investment Adviser

A1003, THE VIEW, Ramprastha City
Sector-37D, Gurgaon, Haryana-122006, India
+91-9811832802
info@ensurewealthadviser.com
Registration Type- Proprietorship Firm
Registration Validity- Till it is suspended or cancelled by the Board

Principal Officer:

Bimal Chandra Jha (RIA)
+91-9811832802
bimaljha@ensurewealthadviser.com
SEBI Local Office:
S.C.O.-127-128, First Floor,Sector-17-C,
Chandigarh-160017,Telephone:0172-2541717-18
SEBI Regional Office:
5th Fllor, Bank Of Baroda Building, 16, Sansad Marg, New Delhi-110001, Telephone: 011-23724001-05
For Complaint – Download SEBI SCORES Mobile App
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