Terms and Conditions

Effective Date: July 1, 2025

Steffel & Young, LLC

Address: 1329 E Kemper Rd Suite 4218B, Cincinnati, OH 45246
Phone: (513) 951-3535
Email: office@steffelyoung.com
Website: www.steffelyoung.com

Welcome to the Steffel Young website (“Site”), operated by Steffel Young (“Company”, “we”, “us”, or “our”). By accessing or using this website, you agree to be bound by the following Terms and Conditions (“Terms”). If you do not agree to these Terms, please do not use this site.

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1. General Terms

By accessing or using the services of Steffel & Young, LLC ("Steffel & Young," "we," "us," or "our"), you ("Client," "you," or "your") agree to be bound by these Terms of Service. These terms govern all interactions with our firm, including but not limited to investment advisory services, fund participation, and use of our website.

You must not:

  • Use the Site in any way that could damage, disable, or impair our services
  • Attempt to gain unauthorized access to any part of the Site or any related systems
  • Use the Site to distribute any unlawful, harassing, defamatory, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material
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2. Investment Services and Risk Disclosure

Steffel & Young is a specialized real estate investment firm focused on acquiring and delivering institutional-quality real estate note investments. We serve family offices, ultra-high-net-worth (UHNW) individuals, and investment firms seeking consistent, asset-backed returns in the alternative investment space.

IMPORTANT RISK DISCLOSURE: All investments carry risk, including the potential loss of principal. Real estate note investments are subject to various risks including but not limited to:

  • Credit risk from borrower default
  • Market risk from real estate value fluctuations
  • Interest rate risk
  • Liquidity risk
  • Geographic concentration risk

Past performance does not guarantee future results. You should carefully consider your investment objectives, risk tolerance, and financial situation before investing.

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3. Accredited Investor Requirements

The Steffel & Young Income Fund is available only to accredited investors as defined by SEC regulations. By investing, you represent and warrant that you meet the accredited investor criteria and have the financial sophistication to evaluate the risks and merits of the investment.
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4. Minimum Investment and Lock-Up Periods

Minimum investment amounts and lock-up periods are specified in the Fund's offering documents. Early withdrawal may be subject to penalties or may not be permitted depending on Fund terms and market conditions.
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5. Fees and Expenses

All fees, including management fees, performance fees, and other expenses, are detailed in the Fund's PPM and subscription documents. Fees may be subject to change with appropriate notice to investors.
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6. Confidentiality

All information shared between Steffel & Young and clients is confidential. Clients agree not to disclose any proprietary information, investment strategies, or performance data without written consent.
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7. Fund Investment Terms

Investment in The Steffel & Young Income Fund is subject to the terms outlined in the Fund's Private Placement Memorandum (PPM), Operating Agreement, and Subscription Documents. In the event of any conflict between these Terms of Service and the Fund documents, the Fund documents shall control.
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8. Regulatory Compliance

Steffel & Young operates in compliance with applicable federal and state securities laws. All investments are offered through private placement exemptions and are not registered with the SEC.
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9. Dispute Resolution

Any disputes arising from our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association in Cincinnati, Ohio. Ohio law shall govern these terms.
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10. Limitation of Liability

To the maximum extent permitted by law, Steffel & Young's liability is limited to the amount of fees paid by the client. We shall not be liable for consequential, indirect, or punitive damages.
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11. Modification of Terms

We reserve the right to modify these terms at any time. Material changes will be communicated to clients with appropriate notice.

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