Property Investment Terms & Conditions

Last updated: October 19, 2026· Version 1.0

1. Scope and hierarchy

These Property Investment Terms & Conditions (the “Investment Terms”) set out the general framework for enquiries, expressions of interest and reservations relating to real estate presented by the Company through roxelinvest.com or other channels. They are general in nature. Each purchase is governed exclusively by a separate, individually negotiated written agreement, such as a Reservation Agreement or a Sale and Purchase Agreement (“SPA”). If there is any conflict, the signed agreement prevails over these Investment Terms. In these Investment Terms, “you” means the person making an enquiry, reservation request or purchase.

2. What we do, and what we do not do

  • We develop, market and sell real estate in Cyprus.
  • References to “investment” on our Site and in our materials mean the purchase of real property.
  • We do not provide investment services, portfolio management or investment advice, we do not offer securities, and we do not operate or invite participation in any collective investment scheme or pooled arrangement. We do not accept money from the public for investment and we do not promise or guarantee returns. The Company is a private limited company whose Articles of Association prohibit any invitation to the public to subscribe for its shares or debentures. Any proposal involving shares, fund units or pooled structures would be made only under separate documentation by persons authorized to do so.
  • No lawyer-client, adviser or fiduciary relationship arises between you and us from your enquiry or from these Investment Terms.

3. No offer and no advice

Information on the Site or in marketing materials, including property listings, prices, projected returns, renderings and specifications:

  • is provided for information only and is not a binding offer, an offering document or a solicitation to invest;
  • is not financial, legal, tax, immigration or investment advice;
  • may be changed, corrected or withdrawn at any time without notice.

4. Eligibility and your declarations

By submitting an enquiry or a reservation request, you confirm that:

  • you are at least 18 years old and have full legal capacity to enter into binding agreements;
  • you act on your own behalf, or are duly authorized to act for the entity you represent, and you will disclose its ultimate beneficial owners when asked;
  • the information you give us is true, complete and not misleading;
  • your wealth has been legally accumulated and you are able to produce proof to this effect.
  • the funds you will use come from lawful sources;
  • neither you nor any beneficial owner or person on whose behalf you act is the subject of sanctions or restrictive measures imposed by the European Union, the United Nations or any other authority applicable to us, and you will tell us if you or any such person is a politically exposed person;
  • your participation does not breach any law or regulation that applies to you, including in your country of residence or citizenship.

5. Independent advice and legal representation

You are responsible for your own due diligence, including legal, financial, tax and technical review of any property. We strongly recommend that you appoint an independent Cyprus advocate of your choice, and, where appropriate, a licensed surveyor and a tax adviser. Any lawyer introduced by the Company acts for the Company, or as the Company instructs in writing, and does not act for you unless you engage that lawyer separately in writing. Before you sign an SPA we will make available for your advocate’s review the title or title search, the planning and building permits, the plans and specifications, and details of any mortgage or other encumbrance and how it will be released.

6. Prices, taxes and costs

  • Prices shown on the Site are indicative, are stated in euro and exclude VAT unless stated otherwise.
  • In addition to the price, you should expect VAT at the applicable rate, transfer fees and other government charges, stamp duty where applicable, legal fees, Land Registry and utility-connection charges, bank charges and currency-conversion costs, and management and maintenance charges.
  • The price, the VAT treatment and the principal additional costs will be stated in the Reservation Agreement and the SPA.

7. Projected returns and market statements

Any projected rental yield, rental income, occupancy rate or capital growth figure is illustrative, depends on the assumptions stated with it, and is neither a forecast nor a guarantee. Actual results may be materially lower, and you may lose money. No guaranteed rental, buy-back or return arrangement exists unless it is set out in a signed agreement. Renting a property may require licenses or registrations under Cypriot law.

8. Availability, reservations and deposits

  • Availability is not guaranteed until a Reservation Agreement has been signed by both parties and the reservation deposit has been received in cleared funds.
  • The Reservation Agreement sets out the price, the amount of the deposit, the duration of the reservation, whether and when the deposit is refundable, and how the reservation converts into an SPA. Those terms are governed exclusively by the Reservation Agreement.
  • No oral statement, email or message creates a reservation or any binding commitment on the Company.

9. Sale and Purchase Agreement and registration

  • The SPA will be in writing and will identify the property (including its registration details, plans and permits), the price and payment schedule, the completion date, any encumbrances, and the Company’s obligations on title deeds.
  • To protect your rights as purchaser, the SPA should be deposited at the District Land Registry Office within the statutory time limit under the Sale of Immovable Property (Specific Performance) Law (currently two months from signing). Please ensure your advocate confirms that this has been done.
  • For properties under construction, completion and handover dates are estimates. Remedies for delay will be set out in the SPA. The issue of title deeds depends on completion of the project, the issue of the required certificates and the processing times of the authorities.

10. Payments and fraud prevention

  • All payments must be made only to the bank account designated in writing in your Reservation Agreement or SPA, held in the name of the Company or as the client account of its appointed law firm.
  • We will never ask you to pay into a personal account, in cash, in cryptocurrency or through any informal channel, and we will never change payment details by email alone. Treat any such request as fraudulent.
  • Before every transfer, confirm the account details by telephone with us, using a number taken from our official website or from your signed agreement, and report any suspicious request to us immediately at info@roxelinvest.com and to the police.
  • You are responsible for your own bank charges, currency-conversion costs and compliance with any exchange-control rules that apply to you.

11. Anti-money-laundering, know-your-client and sanctions

  • In accordance with Cyprus and EU anti-money-laundering legislation, including Law 188(I)/2007, we and our legal representatives may require identification documents, beneficial-ownership information, and source-of-funds and source-of-wealth evidence before and during any transaction, and may screen you against sanctions and politically-exposed-person lists.
  • We may refuse, suspend or terminate a transaction if satisfactory documentation is not provided, or if the law or applicable sanctions require it. To the extent the law permits, we are not liable for doing so, and the handling of any deposit will follow the Reservation Agreement and applicable law, which may restrict the return of funds.
  • We may be legally required to report suspicions to the competent authority, including MOKAS, without informing you.

12. Permits and regulatory approvals

  • A purchaser who is not an EU national, or a company controlled by such persons, may require a permit under the Immovable Property Acquisition (Aliens) Law, Cap. 109, usually applied for through the District Administration after the SPA is signed. The legislation is subject to reform. The SPA will state who prepares and submits the application, who bears the costs, and what happens if the permit is refused. We do not guarantee that a permit will be granted.
  • We do not advise on, and are not responsible for, your eligibility for residence or immigration programmes. Please see Section 7 of our Terms of Use.

13. Taxes

You are solely responsible for understanding and meeting your tax obligations arising from a purchase, in Cyprus and in your country of tax residence. We do not provide tax advice.

14. Risk warning

Real estate involves risk. Values may fall as well as rise. Property can be illiquid, so a sale may take a long time or be at a loss. Currency movements, changes in law, taxation, planning and residency rules, construction or delivery delays, variable rental demand and unexpected costs may all affect the outcome. Buy only if you can bear these risks.

15. Confidentiality and personal data

Non-public information exchanged in the course of discussions is confidential, except where disclosure is required by law or made to professional advisers, financiers or authorities who are bound by confidentiality. Personal data is processed in accordance with our Privacy Policy.

16. Pre-contractual statements

Statements in marketing materials do not form part of a contract unless they are repeated in the signed SPA. Nothing in these Investment Terms excludes liability for fraud or fraudulent misrepresentation.

17. Limitation of liability

To the fullest extent permitted by law, the Company is not liable for loss arising from reliance on informational materials, from changes to specifications or availability before a binding agreement is signed, or from decisions made without independent professional advice, and is not liable for indirect or consequential loss. Nothing in these Investment Terms excludes or limits liability for death or personal injury, fraud, wilful misconduct or gross negligence, any right you have as a consumer under mandatory law, or any liability that cannot be excluded by law. The Company’s liability under a signed agreement is governed by that agreement.

18. Complaints

Please send any complaint to info@roxelinvest.com with the word “Complaint” in the subject line. We will acknowledge it within 5 working days and aim to respond substantively within 30 days. If you are a consumer, you may also contact the Competition and Consumer Protection Service of Cyprus or the competent authority of your country.

19. Amendments

We may update these Investment Terms from time to time. The version in force when you sign an agreement applies to that transaction, unless the agreement states otherwise.

20. Governing law and jurisdiction

These Investment Terms are governed by the laws of the Republic of Cyprus, and the courts of Cyprus have jurisdiction over any dispute arising from them, including, as provided by law, disputes concerning rights in rem in immovable property situated in Cyprus. If you are a consumer, this does not deprive you of the protection of the mandatory provisions of the law of your country of habitual residence or of any right to bring proceedings in the courts that have jurisdiction under mandatory rules.

21. General

If any provision is invalid or unenforceable, the remainder continues in force. Failure to enforce a right is not a waiver of it. You may not assign your rights under these Investment Terms without our written consent. The English version prevails over any translation.

22. Contact

For investment enquiries or questions about these Investment Terms, contact us at info@roxelinvest.com or through roxelinvest.com/investor-relations, or through the Company’s appointed legal representative.