Below is a comprehensive analysis of Terra Investimentos DTVM based on the provided criteria, using available information and critical evaluation. The analysis covers online complaints, risk level assessment, website security, WHOIS lookup, IP and hosting, social media, red flags, regulatory status, user precautions, and potential brand confusion, with a focus on the official website https://www.terrainvestimentos.com.br/.

1. Online Complaint Information ¶

• Source: Reclame Aqui
• Terra Investimentos has a reputation rated as “ÓTIMA” (Excellent) on Reclame Aqui, with a score of 7.8/10.
• This suggests a generally positive consumer experience, with effective resolution of complaints.
• No specific details on the nature or volume of complaints are provided, but the high rating indicates responsiveness and customer satisfaction.
• Critical Evaluation:
• While the rating is positive, Reclame Aqui scores can be influenced by response strategies rather than the absence of issues. Investors should seek detailed complaint histories (e.g., via Reclame Aqui’s public platform) to assess specific grievances, such as delays in transactions or hidden fees.
• The lack of visible negative feedback in provided data is encouraging but not conclusive without deeper scrutiny.

---

2. Risk Level Assessment ¶

• Business Profile:
• Terra Investimentos DTVM Ltda. is a Brazilian financial institution with over 23 years of history, specializing in investments (stocks, futures, fixed income, funds, etc.) and services like foreign exchange and wealth management.
• It positions itself as a major independent investment house, operating in over 20 business segments, which suggests a diversified but complex operation.
• Financial Transparency:
• Banco Data provides financial metrics like profit/loss, Basel Index, and immobilization index. The Basel Index (minimum 11% per Brazil’s Central Bank) and immobilization index (maximum 50%) are critical for assessing financial stability.
• Without specific figures, it’s unclear if Terra meets these thresholds consistently. Investors should verify these metrics via Banco Data or Brazil’s Central Bank (IF.data).
• Risk Indicators:
• A term of commitment with ANBIMA (Brazil’s financial market association) indicates past non-compliance with trading regulations, though corrective actions were taken.
• No fines are recorded, but the investigation suggests potential lapses in operational or regulatory adherence.
• The complexity of offerings (e.g., CRIs, CRAs, debentures) may pose risks for retail investors unfamiliar with high-risk instruments.
• Assessment:
• Moderate Risk: The regulatory infraction and lack of detailed financial data raise caution. However, the long operational history and positive consumer feedback mitigate some concerns. Investors should conduct due diligence on financial health and product suitability.

---

3. Website Security Tools ¶

• SSL/TLS Certificate
• The website (https://www.terrainvestimentos.com.br/) has a valid SSL certificate issued by Amazon, expiring October 20, 2025.
• This ensures encrypted data transmission, a standard security measure for financial websites.
• Cookie and Data Practices
• The site uses cookies to track user activity (e.g., IP address, pages visited) for analytics, fraud detection, and personalized marketing.
• The Privacy Policy outlines data sharing with third parties (e.g., credit bureaus, financial institutions) for operational purposes, which is typical but requires user consent in some cases.
• Biometric data (e.g., facial recognition) may be used for authentication, raising privacy concerns if not transparently managed.
• Security Red Flags:
• No mention of advanced security measures like two-factor authentication (2FA) or intrusion detection systems in the provided data.
• The Privacy Policy’s broad data-sharing scope could expose users to risks if third-party partners have weaker security.
• Evaluation:
• The website meets basic security standards (SSL, privacy policy), but the absence of detailed security protocols and broad data-sharing practices warrant caution. Users should verify 2FA availability and limit shared personal data.

---

4. WHOIS Lookup ¶

• Domain Information
• Domain: terrainvestimentos.com.br
• Registered to: Terra Investimentos Corretora de Mercadorias Ltda. (CNPJ: 03.751.794/0001-13)
• Registration: Active for 9 years (as of January 20, 2025).
• Analysis:
• The domain is legitimately tied to Terra Investimentos, with a long registration history, reducing the likelihood of it being a fraudulent or temporary site.
• The CNPJ matches regulatory records, confirming authenticity.
• No WHOIS privacy protection is noted, which is typical for corporate domains in Brazil, where public registration is standard.

---

5. IP and Hosting Analysis ¶

• Hosting Provider
• Hosted by Amazon (likely AWS), a reputable provider with robust infrastructure.
• Technologies used include Azion Technologies (content delivery), PHP, and Google Workspace, indicating a modern tech stack.
• IP Details
• IP address: 107.23.39.9 (likely an AWS server in the U.S.).
• Hosting in a foreign jurisdiction (U.S.) for a Brazilian firm is common for scalability but may raise latency or jurisdictional concerns for Brazilian users.
• Analysis:
• Amazon’s hosting ensures reliability and uptime, suitable for a financial platform.
• The U.S.-based IP could complicate legal recourse in case of disputes, as Brazilian law governs the site.
• No red flags in hosting, but users should ensure low latency for trading platforms like MetaTrader 5.

---

6. Social Media Presence ¶

• LinkedIn
• Terra Investimentos has a strong LinkedIn presence with 26,734–30,108 followers, posting regularly about job openings, events, and innovations like the Teste de Personalidade do Investidor (TPI).
• Posts reflect active engagement in the financial sector, including participation in industry events and corporate social responsibility (e.g., Setembro Amarelo campaign).
• Facebook
• Limited information, but a presence is confirmed. Specific activity or follower count is unclear.
• Analysis:
• The active LinkedIn profile enhances credibility, showing transparency and engagement with professionals and clients.
• The lack of detailed Facebook or other platform data (e.g., X, Instagram) limits a full assessment. Investors should verify activity on other platforms for consistency.
• No social media red flags (e.g., fake accounts or spam) are noted, but cross-platform verification is recommended.

---

7. Red Flags and Potential Risk Indicators ¶

• Regulatory Non-Compliance
• The ANBIMA term of commitment for breaching the Código de Negociação de Instrumentos Financeiros is a red flag, indicating past regulatory lapses.
• While corrective actions were taken, this suggests potential weaknesses in internal controls or oversight.
• Broad Data Sharing
• The Privacy Policy allows data sharing with third parties (e.g., credit bureaus, financial institutions) for fraud prevention and marketing, which could risk user privacy if partners are not secure.
• Complex Investment Products
• Offerings like CRIs, CRAs, and debentures carry higher risks, potentially unsuitable for novice investors without clear risk disclosures.
• Lack of Transparency:
• No specific financial data (e.g., Basel Index, profit/loss) is provided, limiting transparency.
• The website emphasizes free platforms and zero brokerage fees for minicontracts, which could obscure other costs.
• Critical Evaluation:
• The regulatory issue and data-sharing practices are moderate red flags. Investors should request detailed financial reports and clarify all fees before engaging.
• The focus on high-risk products requires robust investor education, which Terra claims to provide via TPI and content.

---

8. Website Content Analysis ¶

• Content Overview
• The website promotes a range of investment products (fixed income, equities, funds, forex) and services (wealth management, expert network, fiduciary services).
• It emphasizes free account opening, zero brokerage for minicontracts, and access to platforms like MetaTrader 5 and ProfitUltra.
• The site highlights regulatory compliance, transparency, and client proximity, with a focus on personalized service.
• Claims and Messaging:
• Testimonials (e.g., Luiz Alvaro de Paiva Ferreira) praise client treatment, but their authenticity cannot be verified.
• The Teste de Personalidade do Investidor (TPI) is a unique offering, aiming to match investments to user profiles, inspired by Myers-Briggs.
• Red Flags:
• Overemphasis on “free” services (e.g., platforms, accounts) may hide other costs (e.g., spreads, maintenance fees).
• The site’s broad product range could overwhelm retail investors without clear risk explanations.
• Evaluation:
• The content is professional and aligned with financial industry standards, but the focus on free services and complex products requires scrutiny. Investors should read terms of use and fee schedules carefully.

---

9. Regulatory Status ¶

• Regulatory Oversight:
• Terra Investimentos is regulated by Brazil’s Central Bank and Comissão de Valores Mobiliários (CVM), as a DTVM (Distribuidora de Títulos e Valores Mobiliários).
• It holds ANBIMA certifications, with 26 certified professionals and adherence to 8 ANBIMA codes of conduct.
• It has a PQO seal from B3 (Brazil’s stock exchange), indicating compliance with operational standards.
• Member of ABRACAM (Brazilian Association of Exchange Market), with a conformity seal.
• Past Issues
• The ANBIMA term of commitment for non-compliance with trading regulations is a concern, though no fines were imposed, and corrective measures were implemented.
• Evaluation:
• Terra is well-regulated with strong industry affiliations, enhancing credibility. The past infraction is a concern but not a dealbreaker given corrective actions and no fines. Investors should confirm current compliance via CVM or ANBIMA portals.

---

10. User Precautions ¶

• Due Diligence:
• Verify Terra’s financial health (Basel Index, profit/loss) via Banco Data or Central Bank reports.
• Check Reclame Aqui for detailed complaint histories and resolution rates.
• Security Practices:
• Use strong passwords and enable 2FA (if available) for account access.
• Review the Privacy Policy and limit shared personal data, especially biometrics.
• Investment Caution:
• Understand the risks of complex products (e.g., CRIs, CRAs, futures) before investing. Request clear risk disclosures from Terra’s advisors.
• Clarify all fees, as “free” platforms may have hidden costs (e.g., spreads, inactivity fees).
• Regulatory Checks:
• Confirm Terra’s licensing and compliance status via CVM, ANBIMA, or B3 websites.
• Monitor for updates on past regulatory issues via ANBIMA.
• Social Media Monitoring:
• Follow Terra’s LinkedIn and other platforms for updates but verify information independently to avoid marketing bias.

---

11. Potential Brand Confusion ¶

• Domain and Branding
• The official domain (terrainvestimentos.com.br) is clearly tied to Terra Investimentos DTVM Ltda., with no evidence of typosquatting or similar domains in the provided data.
• The brand name “Terra” is distinct but could be confused with other financial or agricultural firms, given its agro roots.
• Trademark Protection
• Terra’s Terms and Conditions prohibit unauthorized use of its trademarks, indicating proactive brand protection.
• Users are warned against using similar domain names or phonetic variations, reducing the risk of fraudulent sites.
• Risk of Confusion:
• No specific instances of brand impersonation are noted, but the generic name “Terra” could be exploited by scammers. Investors should always verify the exact domain (https://www.terrainvestimentos.com.br/) and CNPJ (03.751.794/0001-13).
• The U.S.-based IP (107.23.39.9) could lead to confusion if users encounter mirrored sites hosted elsewhere.
• Evaluation:
• Brand confusion risk is low due to clear domain ownership and trademark protections, but users must verify the exact URL and CNPJ to avoid phishing or copycat sites.

---

Summary and Recommendations ¶

• Overall Assessment:
• Terra Investimentos DTVM appears to be a legitimate, regulated Brazilian brokerage with a strong reputation (7.8/10 on Reclame Aqui) and over 23 years of operation.
• Strengths include robust regulatory oversight (CVM, ANBIMA, B3), modern platforms (MetaTrader 5, ProfitUltra), and active social media engagement.
• Concerns include a past ANBIMA infraction, broad data-sharing practices, and potential hidden costs in “free” services.
• Risk Level: Moderate
• Suitable for investors comfortable with complex products and willing to perform due diligence. Novice investors should proceed cautiously due to high-risk offerings.
• Recommendations:
• Conduct thorough financial and regulatory checks via Banco Data, CVM, and ANBIMA.
• Clarify all fees and risks before investing, especially for CRIs, CRAs, or futures.
• Use secure practices (strong passwords, 2FA) and verify the official domain to avoid scams.
• Monitor Terra’s social media and Reclame Aqui for ongoing feedback. For further details, investors can visit:
• Terra Investimentos: https://www.terrainvestimentos.com.br/
• Reclame Aqui: https://www.reclameaqui.com.br
• ANBIMA: https://www.anbima.com.br
• Banco Data: https://www.bancodata.com.br If you need specific checks (e.g., recent complaints, financial metrics, or social media analysis), please provide additional details or authorize a deeper search.