Location

Visit us for expert guidance on EU residency.

Address

G5, 3015 Lake Dr, Citywest, Dublin, D24 DKP4, Ireland

Hours

Mon-Fri

IQAMA™ EU

Effective Date: October 15, 2025
Last Updated: October 15, 2025

Welcome to IQAMA.eu!

These terms and conditions outline the rules and regulations for the use of IQAMA™ EU's Website, located at https://iqama.eu

About IQAMA™ EU

IQAMA™ EU (operated by Global Expat, Inc. and its European subsidiaries) is a specialized European residency and citizenship by investment consultancy serving international investors seeking European Union residency, Schengen Zone access, and EU citizenship. We provide expert guidance across Portugal, Greece, Malta, Cyprus, Spain, Italy, Hungary, and other European Union member states.

Our European Services Include:

• European Golden Visa Programs (Portugal, Greece, Cyprus, Hungary)

• Malta Permanent Residence Programme (MPRP) and Citizenship

• EU Citizenship by Investment Programs

• Schengen Zone Residence Permits

• European Real Estate Investment Advisory

• EU Tax Optimization and Residency Planning

• European Offshore Company Formation

• Family Reunification across EU Member States

• EU Passport Acquisition Services

Contact Information:

• Email: info@iqama.eu | info@iqama.io

• Phone: +351 XXX XXX XXX (Portugal) | +30 XXX XXX XXXX (Greece)

• Trademark: IQAMA™ - Visa + Residency + Passport + Realtor + Offshore™

• Parent Company: Global Expat, Inc.

By accessing this website, we assume you accept these terms and conditions. Do not continue to use IQAMA.eu if you do not agree to take all of the terms and conditions stated on this page.

1. Cookies Policy & GDPR Compliance

The website uses cookies to help personalize your online experience. By accessing IQAMA.eu, you agreed to use the required cookies in accordance with the General Data Protection Regulation (GDPR) EU 2016/679.

A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

We may use cookies to collect, store, and track information for statistical or marketing purposes to operate our website. You have the ability to accept or decline optional Cookies. There are some required Cookies that are necessary for the operation of our website. These cookies do not require your consent as they always work. Please keep in mind that by accepting required Cookies, you also accept third-party Cookies, which might be used via third-party provided services if you use such services on our website.

Your Rights Under GDPR:

• Right to access your personal data

• Right to rectification of inaccurate data

• Right to erasure ("right to be forgotten")

• Right to restriction of processing

• Right to data portability

• Right to object to processing

• Right to withdraw consent at any time

For full details, please refer to our Privacy Policy and GDPR Compliance Statement available on our website.

2. Intellectual Property License

Unless otherwise stated, IQAMA™ EU (Global Expat, Inc. and its European subsidiaries) and/or its licensors own the intellectual property rights for all material on IQAMA.eu. All intellectual property rights are reserved. You may access this from IQAMA.eu for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

• Copy or republish material from IQAMA.eu

• Sell, rent, or sub-license material from IQAMA.eu

• Reproduce, duplicate or copy material from IQAMA.eu

• Redistribute content from IQAMA.eu

• Use IQAMA™ trademark, logo, or branding without written permission

This Agreement shall begin on the date hereof.

3. European Immigration Service Disclaimer

IMPORTANT NOTICE: IQAMA™ EU provides immigration consulting and facilitation services for European Union residency and citizenship programs. We are not a law firm and do not provide legal advice. We work in partnership with licensed European attorneys, registered immigration agents, and authorized representatives in each EU jurisdiction.

By using our services, you acknowledge that:

Golden Visa & Residency Programs:

• All Golden Visa and residency by investment programs are subject to approval by respective EU member state authorities

• Portugal Golden Visa, Greece Golden Visa, Cyprus Permanent Residence, Malta MPRP, and other programs have specific eligibility requirements

• Investment thresholds, processing times, and program requirements may change without notice by EU governments

• We cannot guarantee approval of any application submitted to EU immigration authorities

• Changes to EU immigration policy, including program suspensions (like Spain's Golden Visa closure in April 2025), may affect applications

Investment Requirements:

• Minimum investment amounts vary by country: Malta (€169,000+), Portugal (€250,000-€500,000), Greece (€250,000-€800,000), Cyprus (€300,000+)

• Real estate investments must meet specific criteria including minimum property size, location restrictions, and development status

• Fund investments in Portugal must be in CMVM and ESMA regulated funds

• Investment funds must be maintained for minimum holding periods (typically 5+ years)

• Property cannot be used for short-term rentals in certain jurisdictions (e.g., Greece)

Citizenship Pathways:

• Timeframes to citizenship vary: Portugal (5 years), Malta (12-36 months), Greece (7 years), Cyprus (8 years)

• Residency requirements differ by country: Portugal (7 days/year), Greece (no requirement), Cyprus (once per 2 years)

• Language and integration requirements may apply for citizenship applications

• Dual citizenship acceptance varies by applicant's country of origin

Tax & Financial Planning:

• Portugal NHR (Non-Habitual Resident) tax regime has specific eligibility criteria

• Tax implications vary based on your country of origin, residency status, and worldwide income

• We are not tax advisors or financial planners

• You must seek independent tax advice from qualified professionals in both your home country and EU destination

Real Estate Investments:

• Property values may fluctuate based on market conditions

• Rental income is not guaranteed

• Property management fees, maintenance costs, and taxes are separate from our service fees

• Due diligence on property developers and projects is essential

• We are not real estate agents or property developers

4. Service Areas - European Union Coverage

IQAMA™ EU operates primarily in the following European jurisdictions:

Primary Golden Visa Markets:

Portugal:

• Lisbon, Porto, Algarve, Madeira, Azores

• Portugal Golden Visa fund investments

• Cultural heritage preservation projects

• D7 Visa for passive income holders

• Portuguese citizenship naturalization

Greece:

• Athens (Attica region - €800,000 minimum)

• Thessaloniki, Crete, Corfu, Rhodes

• Mykonos, Santorini (€800,000 minimum)

• Regional areas (€400,000 minimum)

• Historic property restoration (€250,000)

Malta:

• Valletta, Sliema, St. Julian's, Gozo

• Malta Permanent Residence Programme (MPRP)

• Malta citizenship by investment

• Malta Individual Investor Programme

Cyprus:

• Limassol, Nicosia, Paphos, Larnaca

• Cyprus Permanent Residence Program

• Commercial and residential property options

• Investment fund alternatives

Additional EU Services:

• Hungary Golden Visa Program

• Italy Investor Visa for Investors

• Latvia Residence Permit by Investment

• Luxembourg residency programs

• EU-wide family reunification services

• Schengen Zone mobility planning

5. EU Regulatory Compliance & Licensing

IQAMA™ EU operates in strict compliance with European Union regulations:

EU Compliance Standards:

• GDPR (General Data Protection Regulation) EU 2016/679

• EU Anti-Money Laundering Directives (4th & 5th AMLD)

• Know Your Customer (KYC) and Due Diligence requirements

• European Securities and Markets Authority (ESMA) regulations

• Portuguese Securities Market Commission (CMVM) for fund investments

• Individual country immigration regulations and guidelines

Licensed Partners:

• Licensed immigration lawyers in Portugal, Greece, Malta, Cyprus

• Registered real estate agents in each jurisdiction

• Authorized fund managers and financial advisors

• Certified translators and notaries

• Approved due diligence service providers

Anti-Money Laundering Compliance:

• All clients undergo thorough KYC screening

• Source of funds documentation is mandatory

• Suspicious activity reporting to relevant authorities

• Compliance with EU sanctions and watchlists

• Enhanced Due Diligence for high-risk jurisdictions

6. Client Confidentiality and Data Protection (GDPR)

IQAMA™ EU is fully compliant with the General Data Protection Regulation (GDPR) and is committed to protecting your personal data.

Data We Collect:

• Personal identification documents (passports, national IDs)

• Financial records and source of funds documentation

• Address verification and utility bills

• Police clearance certificates

• Family relationship documents (birth/marriage certificates)

• Educational and professional qualifications

• Medical certificates (where required)

• Tax records and declarations

How We Use Your Data:

• Processing Golden Visa and residency applications

• Submitting applications to EU immigration authorities

• Conducting due diligence and compliance checks

• Coordinating with lawyers, notaries, and government officials

• Facilitating real estate transactions

• Managing investment fund applications

Data Storage & Security:

• Encrypted cloud storage with EU data center locations

• Access restricted to authorized personnel only

• Regular security audits and penetration testing

• Data retention only as long as legally required

• Secure document destruction after retention period

Your Rights:

• Request access to all personal data we hold

• Request correction of inaccurate information

• Request deletion of your data (subject to legal obligations)

• Object to processing of your personal data

• Request data portability in machine-readable format

• Withdraw consent for marketing communications

Data Sharing: We only share your personal data with:

• EU government immigration authorities (mandatory for applications)

• Licensed lawyers and legal representatives

• Approved real estate developers and agents

• Regulated investment fund managers

• Certified translation and notarization services

• Due diligence and background check providers

Data Controller Contact: Data Protection Officer: dpo@iqama.eu

For GDPR requests or concerns, contact: privacy@iqama.eu

7. Payment Terms, Fees & Refund Policy

Service Fee Structure:

Initial Consultation:

• Free initial assessment (30 minutes)

• Paid comprehensive consultation: €500-€1,500

Program Service Fees:

• Portugal Golden Visa: €15,000-€25,000

• Greece Golden Visa: €12,000-€20,000

• Malta MPRP: €20,000-€35,000

• Cyprus Permanent Residence: €10,000-€18,000

• Malta Citizenship: €50,000-€80,000

Additional Costs (Not Included):

• Government application fees (€500-€2,000 per applicant)

• Due diligence fees (€5,000-€15,000)

• Legal and notary fees (€2,000-€8,000)

• Translation and apostille services (€500-€2,000)

• Real estate transaction costs (stamp duty, VAT, transfer fees)

• Property due diligence and inspection

• Fund management fees (typically 0.5%-2% annually)

• Biometric residence card fees

• Travel expenses for required visits

• Medical insurance (mandatory in most programs)

Payment Terms:

• 30% deposit upon engagement

• 40% upon application submission

• 30% upon approval/issuance of residence permit

• Government fees payable directly to authorities

• Investment amounts paid to escrow or directly to approved entities

Refund Policy:

• Consultation fees are non-refundable

• Service fees non-refundable once work has commenced

• If application rejected due to our error: partial refund of service fees

• Government and third-party fees are non-refundable

• If client withdraws: fees charged for work completed to date

• Real estate purchase deposits governed by property purchase agreement

• Refunds processed within 30 business days via original payment method

Accepted Payment Methods:

• Bank transfers (SEPA and International Wire)

• Credit/debit cards (Visa, Mastercard, American Express)

• Cryptocurrency (for certain services, subject to compliance)

8. User Comments and Content

Parts of this website offer users an opportunity to post and exchange opinions and information in certain areas of the website. IQAMA™ EU does not filter, edit, publish or review Comments before their presence on the website. Comments do not reflect the views and opinions of IQAMA™ EU, Global Expat, Inc., its agents, and/or affiliates.

IQAMA™ EU reserves the right to monitor all Comments and remove any Comments that can be considered inappropriate, offensive, or causes breach of these Terms and Conditions.

You warrant and represent that:

• You are entitled to post the Comments on our website and have all necessary licenses and consents to do so

• The Comments do not invade any intellectual property right, including without limitation copyright, patent, or trademark of any third party

• The Comments do not contain any defamatory, libelous, offensive, indecent, or otherwise unlawful material

• The Comments will not be used to solicit or promote business or unlawful activity

You hereby grant IQAMA™ EU a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats, or media.

9. European Golden Visa Program Changes & Updates

Program Modifications: The European Golden Visa landscape is constantly evolving. Recent significant changes include:

• Spain: Golden Visa program closed April 3, 2025 (no new applications accepted)

• Portugal: Real estate option removed October 2023 (only fund and cultural investments remain)

• Greece: Tiered investment system introduced August 2024 (€250,000/€400,000/€800,000)

• Ireland: Golden Visa program terminated (no longer available)

Your Responsibilities:

• Stay informed about program changes through our newsletters and updates

• Understand that programs can be suspended or modified with little notice

• Act promptly once you decide to proceed with an application

• Verify current requirements directly with official government sources

• Understand that historical program terms may not apply to new applications

IQAMA™ EU Commitment:

• We monitor all EU Golden Visa program changes daily

• Immediate client notifications of material program changes

• Alternative program recommendations if your chosen program closes

• Grandfather clause assistance where applicable

• Ongoing compliance with new regulatory requirements

10. Hyperlinking to Our Content

The following organizations may link to our Website without prior written approval:

• European Union government agencies and official bodies

• Search engines (Google, Bing, DuckDuckGo, etc.)

• News organizations and media outlets

• Immigration law firms and legal associations

• Real estate industry organizations

• Financial advisory and wealth management firms

• Educational institutions and business schools

• Online directory distributors

These organizations may link to our home page, to publications, or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party's site.

If you are interested in linking to our website, you must inform us by sending an e-mail to info@iqama.eu. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

No use of IQAMA™ logo or other artwork will be allowed for linking absent a trademark license agreement.

11. Content Liability

We shall not be held responsible for any content that appears on your Website. You agree to protect and defend us against all claims that are raised on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene, or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

12. Limitation of Liability for European Services

IQAMA™ EU provides consulting and facilitation services only. We are not responsible for:

Government Decisions:

• Visa, residency, or citizenship application rejections by EU member states

• Processing delays by Portuguese SEF, Greek Migration Ministry, Malta IIP, Cyprus Civil Registry

• Changes to investment thresholds or program requirements

• Due diligence rejections or extended security checks

• Refusal of entry or residence permits

Investment Performance:

• Real estate market fluctuations in Portugal, Greece, Cyprus, Malta

• Property rental income or capital appreciation

• Fund performance of CMVM-regulated Portuguese investment funds

• Currency exchange rate fluctuations (EUR to your home currency)

• Economic downturns affecting European property markets

Legal & Tax Changes:

• Modifications to Portugal NHR tax regime

• Changes to EU tax treaties and agreements

• New property taxes or investment restrictions

• Schengen Zone travel policy modifications

• Brexit and post-Brexit implications for UK citizens

External Factors:

• EU policy changes affecting freedom of movement

• COVID-19 or pandemic-related travel restrictions

• Force majeure events including natural disasters, wars, civil unrest

• Banking or financial system disruptions

• Political instability in EU member states

Third-Party Services:

• Performance of real estate developers or construction delays

• Quality of properties purchased through our recommendations

• Service quality of referred lawyers, notaries, or agents

• Translation accuracy or document authentication issues

To the maximum extent permitted by applicable European Union law, IQAMA™ EU, Global Expat, Inc., and its European subsidiaries exclude all representations, warranties, and conditions relating to our website and the use of this website.

Nothing in this disclaimer will:

• Limit or exclude our or your liability for death or personal injury

• Limit or exclude our or your liability for fraud or fraudulent misrepresentation

• Limit any of our or your liabilities in any way that is not permitted under EU law

• Exclude any of our or your liabilities that may not be excluded under applicable law

13. Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of the European Union and the specific laws of the jurisdictions where IQAMA™ EU operates.

Jurisdiction by Service Location:

Portugal Services:

• Governed by Portuguese law

• Jurisdiction: Courts of Lisbon, Portugal

• Language: Portuguese (translations provided)

Greece Services:

• Governed by Greek law

• Jurisdiction: Courts of Athens, Greece

• Language: Greek (translations provided)

Malta Services:

• Governed by Maltese law

• Jurisdiction: Courts of Malta

• Language: English and Maltese

Cyprus Services:

• Governed by Cypriot law

• Jurisdiction: Courts of Nicosia, Cyprus

• Language: Greek and English

EU-Wide Services:

• Governed by EU Regulations and Directives

• Subject to European Court of Justice rulings

• GDPR compliance mandatory across all EU member states

Dispute Resolution:

• Mediation attempts required before litigation

• Arbitration option available through European arbitration centers

• Consumer protection laws of your EU country of residence may apply

• Right to lodge complaint with EU Data Protection Authority

14. Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

15. Removal of Links from Our Website

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us at any moment at info@iqama.eu. We will consider requests to remove links, but we are not obligated to do so or to respond to you directly.

16. Accuracy of Information & Updates

We strive to ensure that the information on this website regarding European Golden Visa programs is correct and up-to-date. However, EU immigration laws, investment thresholds, processing times, and program requirements change frequently.

Recent Program Changes We Track:

• Portugal Golden Visa investment options

• Greece property investment tiers

• Malta MPRP contribution amounts

• Cyprus income requirements

• Spain program closure and alternatives

• EU-wide policy changes

You should:

• Verify all information with official EU government sources

• Check Portuguese SEF, Greek Migration Ministry, Malta IIP, Cyprus websites

• Consult with licensed European immigration lawyers

• Contact us directly for current, case-specific information

• Subscribe to our newsletter for real-time program updates

We do not warrant the completeness or accuracy of information, nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

17. Client Testimonials & Success Stories

Testimonials and success stories featured on IQAMA.eu are from real clients but may not reflect typical results. Individual outcomes vary based on:

• Applicant's nationality and passport strength

• Complexity of financial background

• Quality of documentation provided

• Processing times by government authorities

• Changes to immigration programs

• Due diligence assessment results

Privacy Protection:

• Client names may be changed to protect privacy

• Specific investment details may be generalized

• Photos used with permission or stock imagery

• Results not guaranteed for future clients

18. Professional Partnerships & Affiliations

IQAMA™ EU maintains professional relationships with:

Legal Partners:

• Licensed immigration lawyers in Portugal, Greece, Malta, Cyprus

• European law firms specializing in investment migration

• Notaries and legal document specialists

Financial Partners:

• CMVM-regulated investment fund managers (Portugal)

• European real estate investment advisors

• Offshore corporate structuring specialists

• Tax advisory firms across EU jurisdictions

Real Estate Partners:

• Licensed property agents in target markets

• Approved developers for Cyprus new property requirements

• Property management companies

• Due diligence and inspection services

Government Relations:

• Regular dialogue with immigration authorities

• Participation in industry associations

• Compliance with government-mandated agent requirements

Disclosure: We may receive referral fees or commissions from partners. These relationships do not affect our objective advice to clients.

19. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable by a court of law in any EU jurisdiction, such invalidity or unenforceability shall not affect the remaining provisions, which shall continue in full force and effect.

20. Entire Agreement

These Terms and Conditions, together with our Privacy Policy, GDPR Compliance Statement, and any other legal notices published by IQAMA™ EU on this website, constitute the entire agreement between you and IQAMA™ EU concerning your use of this website and our services.

21. Updates to Terms and Conditions

IQAMA™ EU reserves the right to modify these Terms and Conditions at any time to reflect:

• Changes in European Union regulations

• Updates to Golden Visa program requirements

• New service offerings

• Legal or regulatory compliance requirements

Changes will be effective immediately upon posting to the website with updated "Last Updated" date. Your continued use of the website following the posting of changes constitutes your acceptance of such changes.

Notification: Material changes will be communicated via email to registered clients.

Last Updated: October 15, 2025

22. Contact Information

For questions regarding these Terms and Conditions or our European services, please contact us:

IQAMA™ EU
A Division of Global Expat, Inc.

General Inquiries:
Email: info@iqama.eu
Email: info@iqama.io

Data Protection:
Email: dpo@iqama.eu
Email: privacy@iqama.eu

Website: https://iqama.eu

Primary Service Areas:
Portugal | Greece | Malta | Cyprus | Hungary | Italy | Latvia | Spain (Alternative Programs) | 15+ European Countries

Schengen Zone Coverage:
27 EU Member States with Visa-Free Access

23. Language & Translation

These Terms and Conditions are originally written in English. Translations into Portuguese, Greek, Maltese, or other languages are provided for convenience only. In case of any discrepancy between the English version and translated versions, the English version shall prevail.

Official Languages by Jurisdiction:

• Portugal: Portuguese

• Greece: Greek

• Malta: English and Maltese

• Cyprus: Greek and English

Certified translations will be provided for official government submissions as required.

Trademark Notice: IQAMA™, the IQAMA logo, and "Visa + Residency + Passport + Realtor + Offshore™" are trademarks of Global Expat, Inc. All rights reserved.

Copyright Notice: © 2010 - 2025. All rights reserved by Global Expat, Inc. and its European subsidiaries.

EU Compliance: This website and company operations comply with all applicable European Union regulations including GDPR, AMLD, and individual member state requirements.

Terms & Conditions