We value your privacy.
We use cookies to enhance your experience. By continuing, you agree to our use of cookies. Learn more
Legal Disclaimer & Educational Disclosure
Last Updated: December 2, 2025
Moving to Italy by Raf is an educational and consulting platform dedicated to helping Americans navigate the complexity of relocating to Italy. To ensure transparency and manage expectations, we require all users, students, and clients to read and understand the following disclosures regarding the nature of our services.
1. Nature of Services: Education as an Asset
Moving to Italy by Raf is NOT a law firm, accounting firm, or real estate agency. We do not provide legal representation. Instead, we offer a centralized strategic knowledge base designed to empower you.
The "ROI" of Partial Mastery: We understand our clients are often busy professionals. You do not need to absorb 100% of our material to gain significant value. Even absorbing 50-60% of our frameworks provides a massive advantage over starting from zero or learning through "expensive experience."
Centralized Knowledge: We consolidate scattered, complex information into one place. This allows you to efficiently maximize your knowledge, rather than wasting hours searching for reliable sources.
Strategic Efficiency with Professionals: Our goal is to prepare you to handle the "Educational 90%" so you can use the "Legal 10%" effectively. By arriving informed, you can utilize expensive legal and tax consultations for high-level strategic execution rather than basic information gathering.
Mandatory Professional Verification: While we provide the strategic roadmap, the final verification of legal requirements and the submission of official documents must be handled by licensed professionals (Italian Avvocati, Commercialisti, etc.) who are familiar with your specific jurisdiction.
2. Human Error & Limitation of Reliance
We are a dedicated team of educators, but we are also human.
No Claim of Perfection: As openly stated in our materials, we are human, and despite our best efforts, our content may contain errors, typos, or unintentional omissions. We do not claim 100% perfection.
Verification is Mandatory: Because we are fallible, you must never rely on our information as the final legal authority. Our content serves as a foundation for your planning. Still, it must always be verified against official government sources or your legal counsel before you take irreversible actions (like selling a home or quitting a job).
3. Professional Credentials & Bio
To understand the perspective from which our advice is given, please review the background of our founder, Raf:
About Raf: "From managing my family's beach club in Capri to building a career in finance, management, and consulting in California, I've lived between two worlds for 60+ years. Now I help Americans navigate their Italian dreams with real experience, not fairy tales."
The Capri Foundation: Born into one of Capri's founding hospitality families, I lived the authentic Italian experience for 33 years. Managing our beach club and restaurant revealed the operational realities and bureaucratic mazes hidden from tourists.
The Finance Background: I hold a finance degree from San Diego State University and have spent over 30 years in the US working as a financial planner (MetLife) and consultant. My approach to Italian relocation is grounded in holistic financial planning, asset valuation, and risk management—not legal practice.
The Expat Experience: Currently navigating the relocation process between California and Italy (2024-2025), I share real-time lessons from the field.
4. No Guarantee of Results
Immigration is a legal process subject to the sovereign power of the Italian government.
Zero Guarantees: We cannot guarantee that you will be granted a visa, residency permit (Permesso di Soggiorno), or citizenship.
Consulate Discretion: Visa decisions are made solely by Italian Consular officers. Requirements vary dramatically by location and are subject to the officer's individual interpretation.
"Italy Doesn't Need You": We operate on the realistic understanding that Italy is not seeking immigrants. Success requires following rules precisely, not just having a dream.
5. Currency of Information & Regulatory Changes
Italian immigration and tax laws are subject to frequent change, often without notice.
Snapshot in Time: Our materials reflect regulations and standard practices current as of November 2025.
Volatility: Rules regarding income requirements, tax schemes, or visa procedures can change monthly.
User Responsibility: It is your responsibility to verify all information with official government sources (e.g., Ministero dell'Interno, your specific Consulate) before taking action.
6. Financial Risk & Cost Estimates
Relocating to Italy involves a significant financial investment.
Estimates Only: Any cost estimates provided are for planning purposes only.
Buffer Required: We strongly advise budgeting a 20-30% financial buffer above our estimates to account for unexpected fee increases, exchange rate fluctuations, or bureaucratic delays.
7. Personal Responsibility
By using our website and services, you acknowledge the Italian legal principle: "La legge non ammette ignoranza" (The law does not admit ignorance). You accept full responsibility for your compliance with Italian law.
