Handoff 05 / Regulatory
Disclosure Checklist
Which screens need which regulatory disclosures. Tags: SEBI RIA AMFI ARN MF Disclaimer AI Disclosure Privacy
| Screen | SEBI RIA | AMFI ARN | MF Disclaimer | AI Disclosure | Human Escalation | Privacy / Consent | Notes |
|---|---|---|---|---|---|---|---|
| Onboarding | |||||||
| Value Proposition | — | — | — | ✓ | — | — | "AI-powered" claim needs disclosure link |
| Phone Entry | — | — | — | — | — | ✓ | T&C, Privacy Policy, communication consent |
| KYC Screens | ✓ | ✓ | — | — | — | ✓ | PAN/Aadhaar data handling disclosure required |
| Home & Portfolio | |||||||
| Home Dashboard | ✓ | ✓ | ✓ | — | — | — | Footer: SEBI reg no, AMFI ARN, MF disclaimer |
| Portfolio Detail | ✓ | ✓ | ✓ | — | — | — | Performance data must show disclaimer |
| Fund Detail | ⚠ | ✓ | ✓ | — | — | — | Past returns disclaimer, exit load info |
| MIA (AI Advisory Chat) | |||||||
| MIA Chat — General | ✓ | — | — | ✓ | ✓ | — | Persistent AI badge + "Talk to human" button |
| MIA — Fund Reco | ✓ | ✓ | ✓ | ✓ | ✓ | — | Full regulatory stack — AI making investment suggestions |
| MIA — Tax Harvest | ✓ | — | ✓ | ✓ | ✓ | — | Tax advice = advisory; must disclaim |
| MIA — Estate/Will | — | — | — | ✓ | ✓ | ✓ | Legal document — requires human review disclaimer |
| Transactions & Payments | |||||||
| Order Placement | ✓ | ✓ | ✓ | — | — | — | Scheme details, exit load, stamp duty |
| Payment Gateway | — | — | — | — | — | ✓ | PCI-DSS compliance handled by gateway |
| Order Confirmation | ✓ | ✓ | ✓ | — | — | — | Transaction ID, time, standard disclaimer |
| Settings & Legal | |||||||
| Account Deletion | — | — | — | — | — | ✓ | DPDPA compliance — data export before deletion |
| Data Export | — | — | — | — | — | ✓ | Right to portability — structured data download |
Handoff 05 / Placeholders
Legal Placeholder Inventory
Text blocks requiring legal/compliance team input before launch. All marked with amber dashed borders in the design system.
SEBI RIA Registration
Registered Investment Adviser number. Must appear on all advisory screens, home dashboard footer, and order confirmations.
SEBI Registration No: INA000XXXXXX
Registered Name: [Company Legal Name]
Validity: [Date] to [Date]
Type: Non-Individual
Registered Name: [Company Legal Name]
Validity: [Date] to [Date]
Type: Non-Individual
Displayed in footer of all screens where investment advice is shown. Must be visible without scrolling on advisory screens.
AMFI ARN Number
Association of Mutual Funds in India distributor registration. Required on all mutual fund transaction screens.
ARN: ARN-XXXXXX
Validity: [Date] to [Date]
EUIN: E-XXXXXX
Validity: [Date] to [Date]
EUIN: E-XXXXXX
Must accompany every MF scheme recommendation and order placement. EUIN of the individual advisor must also be displayed.
Mutual Fund Disclaimer
Standard AMFI disclaimer text. Required on every screen displaying fund performance, returns, or NAV data.
"Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing. Past performance is not indicative of future returns."
This specific text is mandatory — no paraphrasing. Font size minimum 10px, color var(--gray-500), always visible.
AI Disclosure
MIA is an AI system. Users must be clearly informed they are interacting with AI, not a human advisor.
"MIA is an AI-powered assistant. Responses are generated by artificial intelligence and reviewed by [human oversight process]. For personalised advice, speak to a registered investment adviser."
Persistent badge "AI" on all MIA messages. Disclosure accessible via info icon in chat header. Full text on first chat interaction.
Human Escalation
SEBI requirement: clients must be able to reach a human advisor. "Talk to human" must be available in all MIA advisory contexts.
GRO (Grievance Redressal Officer):
Name: [Placeholder]
Email: gro@byldwealth.com
Phone: [Placeholder]
Address: [Registered Office]
Name: [Placeholder]
Email: gro@byldwealth.com
Phone: [Placeholder]
Address: [Registered Office]
Button "Talk to Human" triggers handoff to RIA team. GRO details in Settings > Help. Response SLA: 48 hours.
Data Protection Officer
DPDPA 2023 requirement. DPO contact must be accessible from privacy settings and data export screens.
DPO (Data Protection Officer):
Name: [Placeholder]
Email: dpo@byldwealth.com
IRDAI-CA: [If insurance features]
INZ: [If direct equity features]
Name: [Placeholder]
Email: dpo@byldwealth.com
IRDAI-CA: [If insurance features]
INZ: [If direct equity features]
DPO email required in Privacy Policy, Account Deletion, and Data Export screens. IRDAI-CA and INZ only if those product lines are active.