Ethics & Compliance

Why an Ethics & Compliance channel?

Building the future with trust and transparency

Ethics, honesty, and transparency are the pillars that support our actions and relationships.

Here, you can find more information about our Compliance area, including our culture and our whistleblowing channel.

Building an ethical and transparent environment.

The culture Faz Capital

The customer at the center

We believe that success is only possible when we place our customers’ needs at the center of all our decisions and actions.

Inspiring and transparent leadership

We work tirelessly to exceed our customers’ expectations and build long-lasting relationships based on trust and mutual respect.

Ethics and honesty in all decisions

Our moral compass guides us to make fair, transparent, and responsible decisions at all times.

You can make a difference too.

Our Whistleblower Channel is secure and confidential.

Report any inappropriate behavior.

You can report any type of harassment or unethical conduct.

You can choose to make reports anonymously.

Track the status of your case.

Throughout the process, you can track the status of your report using the protocol number provided at the time of registration. Simply access the tool and click on “Track protocol.”

What is it?

An investment fund is a financial investment that pools resources from various investors with the goal of investing that capital in a diversified set of financial assets. These assets can include stocks, debt securities, real estate, foreign currencies, among others.

The fund’s administration and management are handled by a professional manager, who makes investment decisions aimed at maximizing returns and minimizing risks for the participants.

Why invest?

01. Professional Manager
Hiring the services of a professional manager to maximize investment returns.

02. Cost-effective operations
Low operating costs for investments.

03. Advanced Strategies
Access to a wide range of strategies.

Who is it for?

Because they encompass all the possible strategies in the financial market, they are suitable for all types of investors.

What varies is each profile’s level of risk, which informs the kind of funds making up the portfolio. Profiles are based on the needs, expectations, and capabilities of each investor.

What is it?

Treasury Direct is a program from the National Treasury developed in partnership with B3 for the online sale of federal public securities to individuals. Launched in 2002, it was created with the aim of democratizing access to public securities.

In addition to being accessible and offering many investment options, it provides good returns and daily liquidity, making it the lowest-risk investment in the market.

Why invest?

01. Security
Assets 100% guaranteed by the National Treasury.

02. Variety
Options tailored to your objectives.

03. Easy Access
No need for a large initial investment to get started

For whom?

In fact, Treasury Direct is suitable for all investors.

Like other fixed income assets, even more aggressive investors can use National Treasury securities for their emergency reserves and to seek higher returns in the secondary market.

What is it?

Stocks represent a small ownership stake in a large company. By acquiring a share, you become a partner in that business and receive payments proportional to your ownership.

By holding these shares, the investor begins to receive two types of payments: dividends and interest on equity. The amounts depend on the profits generated by the company.

Why invest?

01. Long Term
Expected higher returns over long periods compared to the low yields currently offered by lower-risk assets.

02. Recurring Income
The possibility of generating recurring income through dividends and interest on equity.

03. Diversification
The opportunity to build a portfolio with various levels of risk and volatility and quickly adapt the portfolio in response to market changes.

For whom?

Stocks are suitable for those with a perspective of medium- to long-term returns and the maturity to understand that declines are natural, requiring constant monitoring of the portfolio, either by the investor themselves or by a professional advisor.

Contrary to popular belief, stocks are not just for aggressive and bold investors—moderate-profile portfolios can also incorporate them. The capital market is vast and versatile, allowing for a wide range of stock compositions.

What is it?

Fixed income assets are those whose yield rules are defined before acquisition. When investing, you already know the term and the remuneration criteria of the asset.

The main investments in this category are CDBs, CRAs, CRIs, LCAs, LCIs, debentures, and National Treasury securities.

Why invest?

01. Security
The yield rules are defined before acquisition.

02. Predictability
When investing, the term and remuneration criteria of the asset are already known.

03. Variety of assets
The options allow for the diversification of strategies.

For whom?

Although they are conservative assets, they are suitable for all investors. For those who prioritize capital security and prefer more stable returns, fixed income is a great choice. It ensures that the investor will not be surprised by significant fluctuations in the value of the investment.

Even more aggressive investors can use fixed income for their emergency reserves and to seek higher returns in the secondary market.

What is it?

Real Estate Investment Funds (FIIs) are funds which use financial resources from investors to seek and generate returns in the real estate market.

This is done through the incorporation of projects, purchase of office spaces, residential properties, and logistics warehouses for rent, or even the buying and selling of credit rights and debts in the sector.

Why invest?

01. Exempt from Income Tax
Monthly income received, exempt from income tax.

02. Monthly Income
The possibility of investing in real estate without needing to manage them.

03. No Capital Immobilization
The ability to invest in real estate without tying up capital.

For whom?

FIIs are suitable for those who wish to earn a monthly income from their investments and for those looking to invest in real estate in small amounts.

One of their main elements is that they must allocate at least 95% of their returns to unitholders every month, making them an excellent asset for generating passive income.