Disclosures
  1. Hashfolio Technologies Private Limited (hereinafter referred to as “the Company”) is a financial technology company based in Ghaziabad since 2020. The company builds technology platforms & investment products for retail investors to invest better in Crypto products.
  2. A Hashfolio is a basket of Coins/Tokens weighted intelligently based on a particular objective or a strategy. With Hashfolio, you can build a diversified & long-term portfolio.
  3. To enable transactions in Hashfolio, the company has partnered with multiple brokerage firms listed with Indian exchanges and abroad. Each broker partner does a deep integration with the Company, to power transactions in a secured and compliant manner.
  4. Hashfolios are created by SEBI-registered entities like Brokers, Investment Advisors & Research Analysts. The Company provides technology solutions and related back end infrastructure to SEBI registered intermediaries and other third parties for facilitating transactions in Hashfolio through a digital platform.
  5. The Company has a fully owned subsidiary company Orion Capital Private Limited, which is registered with SEBI as a Research Analyst (SEBI Reg no - INH200007646) and is engaged in research activities in the Indian and International capital markets.
  6. Unless otherwise stated, the percentage returns displayed on the website for comparing Hashfolio performance with any benchmark are Absolute Returns.
  7. The content and data available on Crypto-Basket.in, including but not limited to Hashfolio index value, Hashfolio return numbers and Hashfolio rationale are for information and illustration purposes only.
  8. Charts and performance numbers might include backtested/simulated results calculated via a standard methodology and do not include the impact of transaction fee and other related costs. Data used for calculation of historical returns and other information is provided by exchange approved third party data vendors and has neither been audited nor validated by the Company.
  9. Hashfolio are not to be construed as a product based on or linked to an index developed by the NSE Indices as the Company is not in the index manufacturing business and ‘Hashfolio’ is not an independent index. Having said this, the Company is not restricted in comparing the performances of the Hashfolio with any other index.
  10. Hashfolio are not licensed to any exchange, trading or settling venue outside India.
  11. Prices shown on the Hashfolio.in and Hashfolio app may be delayed. The prices are sourced from an exchanged approved vendor and Hashfolio Technology is not responsible for the accuracy and correctness of the prices. Before order placement, users are redirected to the Hashfolio platform of their broker and see the real time prices as shown by their broker.
  12. All information present on Hashfolio.in is to help investors in their decision-making process and shall not be considered as a recommendation or solicitation of an investment or investment strategy. Investors are responsible for their investment decisions and are responsible to validate all the information used to make the investment decision. Investor should understand that his/her investment decision is based on personal investment needs and risk tolerance, and performance information available on Hashfolio.in is one amongst many other things that should be considered while making an investment decision. Past performance does not guarantee future returns and performance of Hashfolios are subject to market risk. Investments in the Crypto and securities market are subject to market risks and investors should read all the related documents carefully before investing.
  13. Registered office of Hashfolio Technologies Private Limited -
    #8/147-A, 3rd Sector,
    Rajendra Nagar,
    Sahibabad,
    Ghaziabad, 201005.
    Website – www.Crypto-Basket.in
  14. CIN: U74900KA2015PTC081722
  15. Support - Contact us on for any queries and assistance

Privacy
Hashfolio.in is a product by Hashfolio Technologies Private Limited (hereinafter referred to as Hashfolio Technologies ). Hashfolio Technologies is committed to safeguarding any information submitted to us on our website and or services. The privacy notice provides you with a summary of the type of information collected by us, policy regarding use of that information and measures taken to safeguard that information.
User Consent
By submitting Personal Information through our Site or Services, you agree to the terms of this Privacy Policy and you expressly give your voluntary consent to the collection, use and disclosure of the Personal Information in accordance with this Privacy Policy.
Information you provided to us
  1. If you provide us feedback or contact us via e-mail, we will collect your name and e-mail address, as well as any other content included in the e-mail, in order to send you a reply.
  2. When you participate in one of our surveys, we may collect additional information.
  3. We may collect Personal Information from you, such as your first and last name, phone, e-mail address, age etc. when you apply for creating/opening an account with one of our partners - brokers, advisors etc.
  4. We may also collect Personal Information on the Site or through the Services when we make clear that we are collecting it and you voluntarily provide the same, for example when you submit an application for employment.
  5. You must ensure to recheck the information or data being provided to us. In case if any of the data/information is found to be inaccurate or incorrect, the same shall be informed to us for immediate amendment. We shall not be responsible for the authenticity of any information including personal information submitted to us.
Information collected via technology
  1. To make our Site and Services more useful to you, our servers (which may be hosted by a third-party service provider) collect information from you, including your browser type, operating system, Internet Protocol (IP) address (a number that is automatically assigned to your computer when you use the Internet, which may vary from session to session), and domain name.
  2. We may use third party service providers to help us analyze certain online activities. For example, these service providers may help us analyze visitor activity on the Site. We may permit these service providers to use cookies and other technologies to perform these services for us.
Use of personal information
In general, personal Information you submit to us regarding you or your company is used either to respond to requests that you make, or to aid us in serving you better. We use such Personal Information in the following ways:
  1. To identify you as a user in our system;
  2. To provide improved administration of our Site and Services;
  3. To provide the Services you request;
  4. To improve the quality of experience when you interact with our Site and Services;
  5. To send you e-mail notifications
  6. To send newsletters, surveys, offers, and other promotional materials related to our Services and for other marketing purposes.
  7. Protect our services and our users.
  8. Market and customer analysis, market research and statistics.
  9. To prevent and detect fraud or abuse of our services as well as to prevent, detect and investigate any potential unlawful or prohibited activities.
Disclosure to third parties
We may be required from time to time to disclose any personal information collected by us to governmental or judicial bodies or agencies or our regulators based on their requirement to comply with the applicable laws including cyber laws.

We may share your information including personal information to third parties to carry out technical, logistical and other functions on our behalf. (eg. Sending emails or newsletters to users).
Creation of anonymous information
We may create Anonymous Information records from Personal Information by excluding information (such as the name and email),We use this Anonymous Information to analyze request and usage patterns so that we may enhance the content of our Services and improve Site navigation. Hashfolio Technologies reserves the right to use Anonymous Information for any purpose and disclose Anonymous Information to third parties at its sole discretion.
Third party websites
When you click on a link to any other website or location, you will leave our Site and go to another site and another entity may collect Personal Information or Anonymous Information from you. We have no control over, do not review, and cannot be held responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites or content, or to any collection of information after you click on links to such outside websites.
Cookies
"Cookies" are pieces of information that a browser can record after visiting a web site. We may use cookies for technical purposes such as to enable better navigation through our site, or to store user preferences for interacting with the site. If you turn off the option to have cookies stored on your browser, it will affect your experience on Crypto-Basket.in
Security of your information
Hashfolio Technologies is committed to protecting the security and privacy of your Personal Information. We endeavour to have suitable technical, operational and physical security controls and measures to protect information collected by us that are commensurate with the nature of our business at all times. We use a variety of industry-standard security technologies and procedures to help protect your Personal Information from unauthorized access, use, or disclosure.

Further, despite our efforts to protect your information, if unauthorized persons breach security control measures and illegally use such sensitive/personal data or information, Hashfolio Technologies, its affiliates and directors shall not be held responsible/liable.
Retention of information/data
It may be noted that we may retain the data as may be provided to us till such time as may be provided under the law and as required to efficiently provide service to our users
Amendments/Modifications
This Privacy Policy available on our website is current and valid. However, Hashfolio Technologies reserves the right to amend/modify any of the sections of this policy at any time and the general public are requested to keep themselves updated for changes by reading the same from time to time
Contact Information
Hashfolio welcomes your comments or questions regarding this Privacy Policy. Please e-mail us at hello@hashfolio.com or contact us at the following address:

Registered office of Hashfolio Technologies Private Limited -
#8/147-A, 3rd Sector,
Rajendra Nagar,
Sahibabad,
Ghaziabad, 201005.
Website – www.hashfolio.in
Definitions
  1. Anonymous Information - Anonymous information means information that does not directly or indirectly identify, and cannot reasonably be used to identify, an individual guest / user
  2. Internet Protocol (IP) - Internet Protocol (IP) is the principal set (or communications protocol) of digital message formats and rules for exchanging messages between computers across a single network or a series of interconnected networks, using the Internet Protocol Suite (often referred to as TCP/IP). Messages are exchanged as datagrams, also known as data packets or just packets.
  3. Personal Information - Personal Information means any information that relates to a natural person, which, either directly or indirectly, in combination with any other information available, is capable of identifying such person.
LAST UPDATED ON 1st May 2021
Definitions
CAGR
CAGR (compounded annual growth rate) is a useful measure of growth or performance of a portfolio. Every year returns generated by a portfolio is different. Let's say if a portfolio is live for 3 years and returns generated by the portfolio are 5%, 15% & -7%, respectively in the first, second and third year. Then we calculate CAGR as a return number that would give the same terminal investment value at the end of three years, as we get when the portfolio gains by 5% & 15% in the first two years and drops by 7% in the third year.

The CAGR in this case would be 3.94%. This means that you will always end up with the same investment value at the end of the third year, if your portfolio gains by 3.94% every year or 5%, 15% and -7%, respectively in the first, second and third year.In simple words, it indicates the annual return generated by the Hashfolio from the date of launch. In case the Hashfolio is live for less than a year, CAGR represents the absolute return generated by the Hashfolio from the date of launch. Only live data is considered to calculate the CAGR number.

PS - CAGR calculation methodology got updated from 23rd Mar’21 on all Hashfolio Platforms. Please read this blog for understanding the changes in detail.

Volatility
Changing stock prices on a daily basis results in fluctuating investment value of your portfolio. If the daily change in the investment value of a portfolio is too drastic, it means prices of stocks in the portfolio are changing very rapidly. Such portfolios have High Volatility. Every Hashfolio is categorized into one of the three volatility buckets - High Volatility, Medium Volatility and Low Volatility. This is done by comparing Hashfolio volatility vs broader market volatility. Investing in High Volatility Hashfolio means that change in your investment values can be very sudden and drastic. Following table represents the logic followed to categorize Hashfolio into various volatility buckets.

Volatility Ratio = Average annual rolling standard deviation of the Hashfolio divided by the average annual rolling standard deviation of the Nifty 50 Index, since launch of the Hashfolio.

Calculation of Volatility if the Hashfolio is less than 1 year old:
Minimum Investment Amount
It is the minimum amount that needs to be spent on buying the Hashfolio in order to ensure that stocks are bought at weights that are closest to the suggested weighing scheme.

Buying/selling of fractional shares are not allowed on Indian exchanges. Thus, in order to ensure that investors end up buying at least one share of the highest priced stock, while maintaining prescribed weighting scheme, she needs to invest a minimum amount. For example, let's assume with a share price of Rs 1500, stock A is the highest priced stock in a Hashfolio. If the weight of the stock A in the Hashfolio is 20%, then the minimum investment amount of the Hashfolio will be Rs 7500. If the investor invests Rs 7500, then he will be allocating Rs 1500(7500 * 20%) to stock A which will enable her to buy exactly 1 share of the highest priced stock. Any amount less than this will not allow her to buy 1 share of the stock A, while ensuring 20% exposure to stock A.



Weights and Weighting Methodology
Every Hashfolio has a prescribed weighting scheme decided by the creator of the Hashfolio. Weighting scheme decides how much of the invested money will be going into every stock of Hashfolio. If A stock has 15% weight in the Hashfolio and investor wishes to invest Rs 1000, then Rs 150 will go in stock A. If the price of the stock A is Rs 10, it means investor will buy 15 (150/10) shares of stock A.
Review
In order to ensure that Hashfolio remain true to their market theme/strategy and to make sure that stocks in a Hashfolio are the right picks for taking exposure to a particular theme/strategy at a specific point in time, Hashfolio are reviewed at regular intervals.

During review, a particular stock might be added / dropped or its weight in the basket might be increased / decreased compared to previous levels.
Segments
Stocks/ETFs belonging to a Hashfolio are categorized under different segments. For example, Affordable Housing Hashfolio has segments like Paints, Real Estate, Housing Finance etc consisting of Hashfolio constituents belonging to these segments.
Money Put In
It represents the total amount of money put into generating the total profit or loss. Suppose Rs.14,462.35 is the minimum investment amount of Hashfolio X and an investor spends the before mentioned amount on day 0 towards buying the Hashfolio. Hence on day 0 the money put in is the same as current investment which is Rs.14,462.35.

Suppose 30 days later the investor decides to invest Rs.20,000 more into the Hashfolio and hence the money put in and current investment increases proportionately to Rs. 34,462.35 (14,462.35 + 20,000).

On day 60 the investor receives a rebalance update. The rebalance requires the investor to buy Rs.5,000 worth of shares of company A and sell Rs.3,000 worth of shares of company B. Hence the net additional investment is Rs.2,000 (5000 - 3000). Now the money put in amount increases by the net additional investment amount to Rs.36,462.35. If the net additional investment had been negative then the money put in amount would have decreased.
Total Return
Total return is calculated as the sum of current returns, dividends and realized returns. This is the total return earned by investing in the Hashfolio.

Suppose Rs.14,462.35 is the minimum investment amount of Hashfolio X and an investor spends the before mentioned amount on day 0 towards buying the Hashfolio. 30 days later one of the stocks in the Hashfolio announces dividend of Rs.100 per share. If 10 shares of the stock is held as part of the Hashfolio investment the total dividend amount received by the investor is Rs.1000 (100 * 10). On this day the market value of the Hashfolio is Rs.20,000. Hence the total returns on that day would be Rs.6,537.65 (20,000 – 14,462.35 + 1,000).
Current Return
Current return is the difference between the market value of the Hashfolio on a specific date and the initial amount invested in the Hashfolio. Market value is the sum of current value of all the shares of each of the stock in the Hashfolio. Current value of each stock is calculated as number of shares of the stock multiplied by current share price of the stock. Based on the above example the current return is Rs.5,537.65 (20,000 – 14,462.35 ).

Realized Return
Realized return is the profit or loss earned by partially or completely exiting the Hashfolio. Assume Rs.10,000 was invested in the Hashfolio on the first day of the month. Suppose on 15th of the month, the market value of the Hashfolio increased to Rs.15,000. Suppose the investor decides to book profit of Rs.2,500 and ends up selling proportionate number of shares. This amount is the realized return which is the amount of money that the investor receives in her bank account.
ETF
ETF stands for exchange traded fund. It is a basket of stocks that tracks the performance of a stock/bond/commodity index. For example the SBI ETF Nifty has Nifty 50 index as the underlying, whereas Axis Gold ETF has gold as the underlying. The basket is traded as a marketable security, just like a common stock, on an exchange. As units of ETF’s are bought and sold their prices change on a regular basis.
Asset Allocation
Asset allocation is the practice of allocating assets of a portfolio among different categories like stocks, bonds, cash, real estate etc. Each asset class has a different level of expected return and risk. For example equities have a high level of risk and hence their expected return is high. Bonds have fixed return and hence their risk level tends to be low. These asset classes also have a different correlation to one another.Hence by allocating assets across different categories the investor can attempt to earn high returns at lower risk, regardless of market conditions.
Investment Tools
A. Portfolio Health
  1. Portfolio Health is a tool based on the core-satellite approach that analyses the stocks in CryptoBaskets & helps in mitigating risks. This tool is available on your Investments Page after you login into your account. If you are using the CryptoBasket platform on the broker website or app, whether the Portfolio Health tool is available on the investments page depends on your broker approving the same.
  2. The logic for this tool is provided by Orion Capital Private Limited (OCPL), a SEBI registered Research Analyst having registration number - INH200007645. OCPL is also a wholly owned subsidiary of CryptoBasket Technologies Pvt Ltd.
  3. Core-satellite approach – Core and satellite is a common and time-tested investment approach that consists of a core investment and other satellite investments that complement it. The objective of this approach is to build a solid investment foundation using asset allocation to protect your wealth in volatile times and enhance returns with risky satellite investments in long term.
  4. You must ensure to recheck the information or data being provided to us. In case if any of the data/information is found to be inaccurate or incorrect, the same shall be informed to us for immediate amendment. We shall not be responsible for the authenticity of any information including personal information submitted to us.
B. Find my Hashfolio
  1. The Discover Page of the Hashfolio platform helps users to discover investment ideas. On this page, the Find your Hashfolio tool is present along with collections of Hashfolios categorised basis their strategy, objectives and or fundamentals.
  2. In the All Hashfolio section, Hashfolios are present in a list format where the users can apply various filters such as minimum investment amount, volatility level and type of Hashfolios (based on constituents, strategy / objectives).
  3. Find your Hashfolio is a tool to assist users to find an appropriate Hashfolio. It works on the core-satellite approach. This tool also works in conjunction with the Portfolio Health Tool to indicate Hashfolios to the investor based on the Portfolio Health Card and relevant action (if any).
  4. Find your Hashfolio will first help an investor build a core foundation for their portfolio by indicating the core Hashfolio(s). To understand what are core Hashfolios, please read point 4 in the portfolio health disclosure.
  5. After building the core, "Find your Hashfolio" helps the investor to add other appropriate investments (satellite Hashfolios) to their portfolio that are required to achieve the right balance of risk & returns. The user can directly come to this step by skipping the 4th step, if he/she wants to explore riskier/more volatile Hashfolios than the core Hashfolio. Further the tool, lets the user explore more risky/volatile Hashfolios in different categories, as selected by the user
  6. The logic for this tool is provided by Orion Capital Private Limited (WCPL), a SEBI registered Research Analyst having registration number - INH200007645.
C. Disclaimer
  1. The objective of the Portfolio Health tool and the Find your Hashfolio tool is to identify and evaluate the risks in your Hashfolios portfolio due to inadequate diversification.
  2. Suggestions for investing in additional Hashfolios (if any), are only for the purposes of ensuring proper diversification, on a best effort basis. These suggestions are derived from a fixed model without any reference to the investor’s risk profile, financial needs and goals.
  3. This should not be construed as investment advice or as a solicitation to invest in the Hashfolios and the investor is advised to consult his / her advisor prior to arriving at any investment decision.
  4. There is no assurance or guarantee that the investment objectives of the respective Hashfolio(s) will be attained.