Client Charter

A. Vision and Mission

Our Vision

To make expert financial guidance accessible to every working professional in India — helping families invest with clarity, confidence, and peace of mind.

Our Mission

• Provide unbiased, research-backed financial analysis and planning.
• Act solely in the best interest of clients, free from commissions or product-sale incentives.
• Build lasting relationships founded on transparency, honesty, and measurable outcomes.

Our Commitment

At Cura Capital, we are committed to providing unbiased, research-backed investment guidance. We act in the best interest of clients and uphold the highest standards of integrity, transparency, and professional ethics.

B. Services We Provide

Cura Capital is an independent, fee-only financial advisory firm. We provide the following services:

Service	Description
Portfolio Review	Review of an existing portfolio with research-based observations and actionable recommendations.
Financial Freedom & Retirement Planning	Personalised plans to achieve financial independence and a secure retirement.
Tax Planning	Strategic guidance on tax-efficient investing, HRA, capital gains, and LTCG/STCG optimisation.
ESOP & Equity Advisory	Guidance on RSU / ESOP taxation, vesting strategy, and equity portfolio management.
Mutual Fund & ETF Analysis	Research-based comparison and commentary on mutual fund schemes and ETFs.
Investment Education	Workshops, webinars, and written content on financial markets, investment concepts, and personal finance.
Market Commentary	Periodic commentary on macroeconomic developments, market trends, and sector outlook.

Note: Cura Capital provides financial guidance and research. All recommendations are for educational and informational purposes and are not a substitute for personalised professional advice tailored to your specific financial situation.

C. Your Rights as a Client

As a client of Cura Capital, you are entitled to the following rights:

• Right to unbiased guidance: You have the right to receive advice and research free from conflicts of interest, based solely on your financial goals and independent analysis.
• Right to disclosure: You have the right to know about any financial interests or associations that may influence our guidance.
• Right to transparency on fees: You have the right to be informed of all fees and charges before availing any service. No hidden charges shall be levied.
• Right to grievance redressal: You have the right to lodge a complaint and receive a response within our stated timelines.
• Right to information: You have the right to access all material information and disclosures about Cura Capital and the guidance provided to you.
• Right to privacy: Your personal and financial data shall not be shared with third parties without your explicit consent, except as required by applicable law (DPDPA 2023).
• Right to exit: You have the right to discontinue any engagement at any time, subject to the terms agreed upon at the time of engagement.

D. Our Responsibilities

Cura Capital is committed to fulfilling the following responsibilities to every client:

• Conduct research and provide guidance on the basis of publicly available information only; never act on material non-public information.
• Disclose in each engagement any financial interest held by our advisors in the securities or products discussed.
• Maintain an arms-length relationship between advisory activities and any other business activities to prevent conflicts of interest.
• Not publish misleading, false, or unsubstantiated reports or recommendations.
• Maintain adequate records of all communications, reports, and agreements for a minimum of five years.
• Respond to client grievances within our stated timelines.
• Keep this Client Charter current and accessible on our website at all times.

E. Do's and Don'ts for Clients

Do's

• Read all reports and guidance carefully, including all disclosures and disclaimers, before making any investment decision.
• Conduct your own due diligence and ask questions before investing, as our guidance is educational and not a substitute for your personal judgment.
• Keep copies of all communications, reports, invoices, and agreements with Cura Capital for your records.
• Update your contact details with us so that important communications reach you promptly.
• Verify the credentials of any financial intermediary before engaging them for services.

Don'ts

• Do not make investments solely on the basis of a recommendation without understanding the associated risks.
• Do not share your login credentials, OTP, bank account details, or demat account passwords with anyone, including our advisors.
• Do not pay fees in cash. All payments should be made through proper banking channels, and receipts / invoices should be obtained.
• Do not be lured by guaranteed returns, risk-free investments, or promises of extraordinary profits. No financial intermediary can guarantee returns.
• Do not ignore red flags such as pressure to invest quickly or lack of written documentation.

F. Grievance Redressal

If you have a complaint or concern, please use the following escalation path:

1. Step 1 — Direct Contact

   Email your complaint to contact@curacapital.in or call +91 7705013579. We will acknowledge receipt within 2 business days and aim to resolve within 15 calendar days.

2. Step 2 — Grievance Officer

   If unsatisfied with the initial response, escalate in writing to our Grievance Officer: Kshitij Prabhu at kshitij@curacapital.in. Resolution within 15 calendar days of escalation.

For full details of our grievance process, see our Grievance Redressal page.

G. Important Disclosures

• Cura Capital Consultants Ltd is an independent, fee-only financial advisory firm. We do not earn commissions on products recommended.
• All guidance and reports published by Cura Capital are for informational and educational purposes only and do not constitute personalised investment advice.
• Investments in securities markets are subject to market risks. Clients should read all scheme-related documents carefully before investing.
• Past performance of any security or investment strategy is not indicative of future results.
• Clients are advised to verify all information independently before making investment decisions.

This Client Charter was last updated in June 2026. It is reviewed annually.