Last Updated: September 2026

Welcome to StevenPepa.com (the “Website”). The Website is the personal professional website and publishing platform of Steven M. Pepa.

By accessing or using the Website, you agree to these Terms of Use. If you do not agree with these Terms, you should not use the Website.

1. Purpose of the Website

StevenPepa.com provides articles, commentary, analysis and other information concerning subjects including private capital, wealth, taxation, international investment, alternative investments, investment migration, regulation and international mobility.

The Website is provided for general informational and educational purposes.

Nothing on the Website constitutes an offer, invitation or solicitation to purchase or subscribe for any investment, financial product or service.

The separate Disclaimer published on the Website forms part of these Terms of Use and should be read together with them.

2. No Professional Relationship

Your use of the Website, including reading articles or communicating through the Website, does not by itself create a lawyer-client, investment-adviser, fiduciary, contractual or other professional relationship between you and Steven M. Pepa or any company or organisation with which he is associated.

Any professional engagement will arise only pursuant to a separate agreement or other express arrangement.

3. Intellectual Property

Unless otherwise indicated, the content of the Website, including articles, text, graphics, photographs, logos and other materials, is owned by or licensed to Steven M. Pepa and is protected by applicable intellectual property laws.

You may access, read and share links to Website content for personal, non-commercial purposes, provided that the content is not altered or presented in a misleading manner and appropriate attribution is maintained.

You may not reproduce, republish, commercially exploit, modify or distribute substantial portions of Website content without prior written permission.

4. Third-Party Content and Links

The Website may contain links to third-party websites or references to third-party information.

Such links and references are provided for convenience and informational purposes only. Their inclusion does not necessarily constitute an endorsement, recommendation or approval.

We are not responsible for the availability, content, accuracy, security or privacy practices of third-party websites.

5. Accuracy of Information

Reasonable care is taken in preparing and publishing Website content. However, information may become outdated or may contain errors or omissions.

Information concerning taxation, regulation, investment, immigration, law and other matters may change over time and may vary depending upon individual circumstances and jurisdiction.

You should obtain appropriate professional advice before relying upon information contained on the Website.

6. Availability of the Website

We do not guarantee that the Website will always be available, uninterrupted, secure or free from errors, viruses or other harmful components.

We may modify, suspend or discontinue any part of the Website at any time without notice.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Steven M. Pepa shall not be liable for losses or damages arising from or in connection with reliance upon information contained on the Website or the use of, or inability to use, the Website.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

8. Relationship with Saratoga

Steven M. Pepa is associated with Saratoga Capital Partners and is involved in the management of regulated alternative investment structures through Saratoga Capital Management Ltd.

StevenPepa.com is a personal professional platform.

Unless expressly stated otherwise, content published on the Website represents personal commentary and should not be understood as an official communication, recommendation, offer, solicitation or statement on behalf of Saratoga Capital Partners, Saratoga Capital Management Ltd. or any other organisation.

9. Changes to These Terms

These Terms may be updated from time to time. The current version will be published on this page with the applicable “Last Updated” date.

Your continued use of the Website following publication of revised Terms constitutes acceptance of the updated Terms, to the extent permitted by applicable law.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Cyprus, without regard to its conflict-of-law principles.

The courts of Cyprus shall have jurisdiction over disputes arising in connection with these Terms, subject to any mandatory rights or jurisdiction applicable under law.

11. Contact

Questions concerning these Terms may be directed to: Steven M. Pepa