Faz Capital Assessores de Investimentos Ltda is an investment advisory firm duly registered with the Securities and Exchange Commission of Brazil (CVM), in accordance with CVM Resolution 178 of 2023, and is responsible for the personal data you share with us. When we say “Faz Capital,” “Faz,” “we,” “our,” or “us,” we are referring to this company. Faz Capital is the "data controller" for the purposes of applicable data protection legislation. As part of our daily operations, we need to collect some personal data from our clients and potential clients in order to provide our products and services in line with the values, interests, and profile of each investor. We value transparency, people, and their data. Respecting your privacy is essential to us. Therefore, we have adopted a policy of not revealing or disclosing any information about you and commit to acting in accordance with Brazilian law, both in the collection and storage of data from all those who choose to use our services.
The data that will be collected depends on how you interact with us and why. You may voluntarily share your data when you provide your information for us to contact you, for example. At times, your data will be collected by us when you use our website through the use of cookies, for instance. See below how your data is collected and used. If you have any questions or concerns about your data, please contact us.
To get in touch, subscribe to a newsletter, or download any material, the data collected will be: name, email, and phone number. In this case, your data is collected solely for Faz to send you personalized communications, respond to your inquiries, or send you the requested content.
Our data usage policy involves storing cookies to offer a better experience, target ads, and provide personalized content for you. Cookies are small text files saved on your device (such as a computer, tablet, or mobile phone) when you visit a website. They store information about your preferences and data related to your profile and browsing behavior on the pages.
The purpose of cookies is to remember information from your visit, making future access easier and improving your browsing experience on the website. They also contribute to generating statistics and continuously enhancing experiences and services. The data collected through cookies may include information such as access date and time, geographic location, browser type, visit duration, and pages visited.
There are two main types of cookies: “session” cookies, which are temporary and are removed when you close the browser, and “persistent” cookies, which remain on your device for a specified period indicated in the cookie file and are activated each time you visit the website that created them. You have control over the use of cookies and can set your preferences in your browser settings.
The personal data collected varies according to the product and/or service chosen and will be collected for the purpose indicated by you. This data may include name, email, phone number, gender, home address or geolocation, CPF (Tax ID), identification document, date of birth, profession, information about banking operations and transactions, financial and payment details, monthly income, financial investments, earnings, and assets. The mentioned information is necessary for us to provide appropriate and personalized advice according to your financial needs and objectives.
We may share your personal information with trusted collaborators, representatives, and suppliers of Faz Capital. However, we will only share your data with your consent and in a manner strictly limited to what is necessary for the execution of the requested services. For example, we may involve technology suppliers, digital services, CRM, data analysis, and hosting services that need to process your personal data to meet your needs as indicated by you.
Faz Capital respects the privacy of your personal data. We will not share your information, except when necessary to comply with legal obligations, rules, or applicable regulations, in the event of a disclosure requirement, due to legitimate interest that requires disclosure, or at your request, with your permission. However, we reserve the right to share your data and/or information if necessary to fulfill a legal duty or protect the rights of Faz Capital or our collaborators. In such cases, your data may be shared with public authorities to comply with current legislation. We are committed to acting in accordance with applicable laws, rules, and regulations to ensure the security and confidentiality of your data.
The data we collect from you may be transferred, accessed, and/or stored in a location outside Brazil. Faz Capital only transfers personal data abroad securely and in compliance with applicable law. We may share your data with highly reliable individuals and companies to achieve the expected purpose. For example, we may transfer your data to a company responsible for hosting our databases, located outside Brazil. These potential transfers will be made to countries or international organizations that offer a level of personal data protection adequate to what is provided by Brazilian law.
We retain your data for as long as necessary to fulfill the intended purpose or for other valid reasons, such as compliance with legal obligations. If you wish, you can request access to your data, make changes, or ask Faz to no longer use your personal information. Simply contact us via email at compliance@fazcapital.com.br. In the body of the email, provide a clear request. For your protection, we can only respond to requests made using the same email associated with your data or through identity verification. It’s important to note that we may occasionally need to retain some information in our records.
You have the right to request the deletion or alteration of your data at any time, as well as request to stop receiving our communications. If you wish to withdraw your consent and no longer receive our communications and marketing emails, you can unsubscribe using the opt-out option at the bottom of the emails.
Faz Capital remains attentive to all legislative changes to protect the data and privacy of its users. Therefore, this Privacy Policy may be updated periodically. We recommend that you regularly access this Policy and check the update date indicated below. Before using the information for purposes other than those defined in this privacy policy, we will request your authorization. We are committed to maintaining transparency and protecting your personal data.
If you have any questions, information, or suggestions for improvement regarding this Privacy Policy, please contact us at compliance@fazcapital.com.br. We are located at Iguatemi Business, Av. Dr. Nilo Peçanha, No. 2900, 10th floor, Chácara das Pedras, Porto Alegre/RS, ZIP code 91330-001.
Last updated: June 22, 2023.
+55 51 2500-5665
ouvidoria@fazcapital.com.br
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.
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.
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.
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.
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
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
