Investment Disclaimer

1. General Information Only

Rocks Investments (CRECI-SC 8761-J) is a licensed real estate brokerage firm in Brazil. We are authorised to act as a real estate broker under Brazilian law, but we are not a financial institution, investment adviser, fund manager, or any other type of regulated financial services provider.

Information on this website — including property listings, rental yield estimates, market data, investment guides, and editorial content (including AI-generated articles) — is provided for general informational and educational purposes only. It does not constitute:

• A solicitation or offer to buy or sell any security or financial instrument
• Regulated financial, investment, or portfolio advice under any applicable law
• Legal advice regarding property ownership, contracts, or residency requirements
• Tax advice regarding Brazilian or international tax obligations
• A guarantee of any financial return, yield, or capital appreciation

2. Property Investment Risks

Before making any property investment decision, you should be aware of the following risks:

Capital Risk

The value of real estate can decrease as well as increase. You may receive less than you invested. Past performance of property markets in Santa Catarina or Brazil is not a reliable indicator of future performance.

Rental Yield Risk

Rental yields quoted on this site are historical estimates or projections based on available market data. Actual rental income may be lower due to vacancy periods, maintenance costs, management fees, taxes, regulatory changes, or market conditions. Yield figures are gross estimates and do not account for all ownership costs.

Currency Risk

Properties are priced in Brazilian Reais (BRL). If your home currency is USD, EUR, GBP, or another currency, exchange rate fluctuations may significantly affect the cost of your investment, your rental income (when converted), and your ultimate return on sale. Currency risk is not hedged by Rocks Investments.

Liquidity Risk

Real estate is an illiquid asset class. You may not be able to sell your property quickly at an acceptable price. Transaction costs in Brazil (ITBI transfer tax, legal fees, broker commissions, registration fees) typically represent 4–8% of the property value and reduce your net return.

Regulatory and Legal Risk

Brazilian property law, taxation, and foreign ownership regulations may change. The Golden Visa programme conditions (investment thresholds, qualifying asset types, residency requirements) are set by the Brazilian government and may be amended or discontinued at any time. We make no guarantee that current programme conditions will remain in effect.

Off-Plan and Development Risk

Properties described as “under construction” or “pre-launch” carry additional risks including: developer insolvency, construction delays, changes to specifications, and failure to obtain planning approval. Off-plan property may not be completed as described or within the stated timeframe.

3. Seek Independent Professional Advice

We strongly recommend that you obtain independent professional advice before making any property investment decision. This should include:

• Legal advice: From a qualified Brazilian property lawyer (advogado) registered with the OAB (Ordem dos Advogados do Brasil)
• Tax advice: From a qualified accountant or tax adviser familiar with both Brazilian tax law and the tax laws of your country of residence
• Financial advice: From a regulated financial adviser in your jurisdiction regarding the suitability of property investment for your personal financial situation
• Currency advice: From a specialist foreign exchange broker regarding currency risk and hedging strategies

Rocks Investments can introduce you to qualified local professionals but cannot act as your legal or financial adviser and does not accept liability for advice given by third-party professionals.

4. AI-Generated Content

Some editorial content on this website (market insights, destination guides, investment articles) is generated or edited with the assistance of artificial intelligence. While we review all AI-generated content for accuracy, we cannot guarantee it is free from errors, omissions, or dated information. AI-generated content should never be relied upon as a substitute for current professional advice.

All factual claims, statistics, and market data in editorial content are intended to cite publicly available sources (e.g., IBGE, Banco Central do Brasil, SECOVI-SC, FipeZAP). If you identify an inaccuracy, please contact info@rocksinvestments.com.

5. Third-Party Information

The Site may contain links to or information from third-party sources including developer websites, government portals, and market data providers. We are not responsible for the accuracy, completeness, or timeliness of information from third parties. External links do not constitute endorsement.

6. Our Credentials

Our CRECI registration authorises us to act as a real estate intermediary in Brazil. It does not authorise us to provide regulated financial or investment advice.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Rocks Investments expressly disclaims all liability for any loss — including loss of capital, loss of profit, or any other direct or indirect loss — arising from:

• Reliance on any information on this website without seeking independent advice
• Any property investment decision made based on material on this site
• Inaccuracies in market data, yield estimates, or property specifications
• Changes to Brazilian law, taxation, or the Golden Visa programme
• Currency fluctuations affecting the value of any investment