Website Disclaimer

Last updated: August 2026

This website, www.capitalsf.eu, is operated by 3ST Limited, trading as CapitalSF Cyprus, a company established in the Republic of Cyprus.

By accessing or using this website, you acknowledge that you have read and understood this disclaimer and agree to its terms. If you do not agree with these terms, you should discontinue your use of the website.

1. Nature of our services

CapitalSF Cyprus provides independent strategic guidance, coordination and professional introductions to internationally mobile individuals, families and business owners considering life, business, property or financial interests in Cyprus.

Our role may include:

• Helping clients identify and understand the different matters that should be considered;
• Assisting clients in establishing their priorities;
• Helping clients develop a coordinated strategic roadmap;
• Introducing clients to appropriately qualified independent professionals;
• Coordinating communication between clients and the professionals they appoint; and
• Providing ongoing practical guidance throughout the client’s Cyprus journey.

CapitalSF Cyprus is not a law firm, immigration consultancy, tax-advisory practice, accounting firm, licensed estate agency, investment firm, portfolio manager or regulated financial-advisory business in Cyprus.

2. No specialist or regulated advice

CapitalSF Cyprus does not provide legal, immigration, tax, accounting, investment, financial, pension, insurance, property, valuation or other regulated professional advice through this website.

Any specialist advice required by a client must be provided directly by an appropriately qualified, authorised and, where applicable, regulated independent professional.

Information published on this website is intended only to provide general guidance and raise awareness of matters that clients may need to consider. It must not be treated as a substitute for advice based on your particular circumstances.

You should not take, delay or refrain from any legal, financial, tax, immigration, investment, property or business action solely in reliance on information contained on this website.

3. No adviser-client relationship

Accessing this website, reading its content, downloading information, submitting an enquiry or communicating with CapitalSF Cyprus does not create an adviser-client, fiduciary, professional or contractual relationship.

A formal client relationship will arise only when the nature, scope and terms of an engagement have been agreed in writing by CapitalSF Cyprus and the client.

Submitting an enquiry does not oblige CapitalSF Cyprus to accept an engagement, provide services or introduce any professional or service provider.

No confidential or sensitive documents should be sent through the website enquiry form unless CapitalSF Cyprus has specifically requested them and confirmed an appropriate method of transmission.

4. Independent professional advisers

CapitalSF Cyprus may introduce clients to independent lawyers, immigration professionals, tax advisers, accountants, corporate service providers, property developers, property professionals, banks, insurers and regulated financial advisers.

These professionals and organisations are independent of CapitalSF Cyprus and remain solely responsible for:

• The advice or services they provide;
• Their professional qualifications, licences and regulatory permissions;
• Their fees and contractual terms;
• Their professional judgement;
• Their legal and regulatory compliance; and
• The accuracy and suitability of their recommendations.

An introduction does not create a partnership, agency, employment or joint-venture relationship between CapitalSF Cyprus and the introduced professional.

Clients must independently decide whether to appoint a professional and should review that professional’s qualifications, regulatory status, experience, terms of engagement and fees before proceeding.

CapitalSF Cyprus does not supervise, control or accept responsibility for the professional advice, services, acts, omissions or decisions of independent third parties.

5. Property introductions

CapitalSF Cyprus is not a licensed estate agency and does not act as an estate agent, property broker, property valuer or legal adviser in relation to immovable property.

CapitalSF Cyprus may provide selected introductions to property developers or other property professionals based on the information and preferences communicated by a client. Such an introduction is not a recommendation, valuation, warranty or confirmation that a particular property, development or transaction is suitable.

Clients must appoint an independent Cyprus lawyer to conduct all necessary legal investigations and due diligence before:

• Signing a reservation agreement or sale contract;
• Paying a deposit or other amount;
• Entering into any binding commitment; or
• Purchasing, selling, financing or otherwise dealing with property.

CapitalSF Cyprus does not verify or guarantee property ownership, title deeds, planning permissions, building permits, specifications, completion dates, rental returns, valuations, developer solvency or the legal condition of any property.

6. Residency and immigration information

Any information concerning Cyprus residence pathways, immigration permits or related requirements is general in nature.

Eligibility depends on the applicant’s nationality, personal circumstances, financial position, family composition, intended activities and the legislation and administrative practices applicable at the time of application.

CapitalSF Cyprus does not determine eligibility, prepare or submit immigration applications, provide legal representations or guarantee the success of any application.

Immigration advice and application services must be provided by an appropriately qualified independent Cyprus legal professional.

7. Tax and financial information

Any information relating to Cyprus tax residency, domicile, company taxation, pensions, investments, succession or cross-border financial matters is provided for general educational purposes only.

Tax treatment depends on individual facts, applicable legislation, residence, domicile, source of income, asset ownership and the laws of every relevant jurisdiction.

CapitalSF Cyprus does not provide regulated investment advice, recommend specific investment products, manage client money or investments, or guarantee any financial or tax outcome.

Clients should obtain personalised advice from suitably qualified tax, legal and regulated financial professionals before making decisions or changing existing arrangements.

8. Accuracy and currency of information

CapitalSF Cyprus makes reasonable efforts to ensure that information published on this website is accurate and useful at the time of publication.

However, laws, regulations, tax rules, immigration policies, administrative procedures, market conditions, professional requirements and government practices may change without notice.

Information may also become incomplete, outdated or inaccurate because of subsequent developments or differences between individual circumstances.

CapitalSF Cyprus does not warrant or represent that:

• The website is complete, current or free from errors;
• Information will apply to a particular person or situation;
• All changes in law or practice will be reflected immediately;
• The website will always be available or uninterrupted; or
• Errors will always be identified or corrected.

The date shown on an article indicates when it was published or last reviewed. It does not confirm that the information remains current when accessed.

9. No guarantee of outcomes

CapitalSF Cyprus does not guarantee:

• Approval of a residence or immigration application;
• Acceptance of a tax-residency position;
• Opening or continued operation of a bank account;
• Approval of finance;
• Successful registration or operation of a company;
• Completion of a property transaction;
• Issuance or transfer of a title deed;
• The performance, value or future saleability of property;
• Any investment return, tax saving or financial outcome; or
• The availability or continued engagement of a particular professional or provider.

Decisions are made by the relevant government authorities, banks, regulators, professional advisers, developers, vendors and other independent parties.

Timeframes referred to on the website are indicative only and may be affected by circumstances outside the control of CapitalSF Cyprus.

10. Referral relationships and remuneration

CapitalSF Cyprus may have commercial referral or cooperation arrangements with certain professional service providers, property developers or other organisations to which clients are introduced.

Under some arrangements, CapitalSF Cyprus may receive a referral fee, introduction fee, commission or other remuneration where a client proceeds with a service or transaction.

Where required by applicable law or professional standards, relevant arrangements will be disclosed to the client.

The existence of a commercial arrangement does not remove the client’s responsibility to independently assess the suitability of the professional, provider, development, property or service concerned.

CapitalSF Cyprus seeks to make introductions based on a client’s stated circumstances and objectives but does not guarantee that an introduced party will be the only or most appropriate provider available.

11. External links

This website may contain links to government websites, professional firms, service providers, developers, financial institutions, news sources or other third-party websites.

These links are provided for general information and convenience only.

CapitalSF Cyprus does not control third-party websites and does not accept responsibility for their:

• Content;
• Accuracy;
• Availability;
• Security;
• Privacy practices;
• Products or services; or
• Subsequent changes.

The inclusion of a link does not necessarily constitute an endorsement or recommendation of the website, organisation, information, product or service concerned.

Users access external websites at their own discretion and should review the terms and privacy policies applicable to those websites.

12. Website availability and security

CapitalSF Cyprus takes reasonable measures to maintain the website but does not guarantee that it will always be available, secure, uninterrupted or free from viruses, malicious code or other harmful components.

You are responsible for using appropriate security measures, maintaining current antivirus protection and safeguarding your own devices and information.

CapitalSF Cyprus may suspend, withdraw, alter or restrict access to any part of the website without notice.

13. Limitation of liability

To the fullest extent permitted by applicable law, CapitalSF Cyprus, 3ST Limited and their directors, officers, employees, consultants and representatives will not be liable for any direct or indirect loss, consequential loss, loss of profit, loss of opportunity, loss of data, business interruption, reputational damage or other loss arising from or connected with:

• Access to or use of this website;
• Inability to access or use the website;
• Reliance on information published on the website;
• Errors, omissions or outdated information;
• Decisions made without obtaining appropriate professional advice;
• Third-party websites or content;
• Services provided by independent professionals or organisations;
• Cybersecurity incidents beyond our reasonable control; or
• Any action or omission of a third party.

Nothing in this disclaimer excludes or limits liability that cannot lawfully be excluded or limited under the laws of the Republic of Cyprus, including any applicable mandatory consumer rights.

14. Consumer and statutory rights

Nothing in this disclaimer is intended to exclude, restrict or override any rights or remedies that cannot lawfully be excluded under applicable Cyprus or European Union law.

Where CapitalSF Cyprus enters into a paid service agreement with a client, the specific terms of that agreement will apply in addition to this website disclaimer.

If there is any conflict between this disclaimer and a signed client agreement, the signed client agreement will prevail in relation to the services covered by that agreement, subject to applicable law.

15. Intellectual property

Unless otherwise stated, all text, branding, logos, graphics, layouts and original materials on this website are owned by or licensed to 3ST Limited trading as CapitalSF Cyprus.

Website content may be viewed, downloaded or printed for personal and non-commercial use only.

No content may be copied, reproduced, republished, distributed, modified, commercially exploited or presented as belonging to another person without prior written permission.

Third-party trademarks, photographs and materials remain the property of their respective owners.

16. Privacy and personal information

Personal information submitted through this website will be handled in accordance with the CapitalSF Cyprus Privacy Policy and applicable data-protection law.

Please read the Privacy Policy before submitting an enquiry or providing personal information.

The Privacy Policy should be read together with this disclaimer but constitutes a separate document.

17. Changes to this disclaimer

CapitalSF Cyprus may revise this disclaimer at any time to reflect changes in its services, website, legal obligations or business practices.

The updated version will be published on this page with a revised “last updated” date.

Continued use of the website after a revised disclaimer has been published constitutes acknowledgement of the updated terms.

18. Governing law and jurisdiction

This disclaimer and any dispute arising from or connected with the use of this website will be governed by the laws of the Republic of Cyprus.

Subject to any mandatory rights or jurisdiction granted to consumers under applicable law, the courts of the Republic of Cyprus will have jurisdiction over disputes relating to this website or disclaimer.

19. Contact details

If you have questions about this disclaimer or the services described on the website, please contact:

CapitalSF Cyprus
3ST Limited trading as CapitalSF Cyprus
13 Christou Keli Street
Mesa Chorio
8290, Cyprus

Telephone: +357 99 738851
Website: www.capitalsf.eu