Terms and Conditions

Welcome to STB Financial Services LLC (“Company,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your use of our website, SMS services, onboarding system, and any other services we provide (collectively, the “Services”).

By accessing or using our Services, you agree to comply with and be bound by these Terms and our Privacy Policy. If you do not agree, please discontinue use of the Services immediately.

1. Services Overview

STB Financial Services LLC provides professional financial solutions and related services. Our platform may be used to:

• Send onboarding instructions via SMS or email
• Collect required information from clients for service delivery
• Share updates related to financial services, opportunities, or account setup
• Provide customer support through SMS or email

2. Eligibility

You must be at least 18 years old to use our Services. By using our Services, you confirm that you are legally able to enter into binding contracts.

3. SMS Communication and Consent

By submitting your phone number, you agree to receive text messages from STB Financial Services LLC related to:

• Onboarding and account setup
• Follow-ups for required documentation or information
• Support and account status updates
• Upcoming events or marketing updates related to our company

Message frequency may vary. Message and data rates may apply based on your carrier. You may opt out at any time by replying STOP to any SMS.

We do not share or sell your SMS opt-in data with third parties for marketing purposes.

4. Intellectual Property

All content on our website and communications (including logos, text, visuals, and platform code) are owned or licensed by STB Financial Services LLC. You may not copy, reproduce, or use our materials without written permission.

5. User Responsibilities

You agree not to:

• Use the Services for illegal, deceptive, or abusive behavior
• Interfere with or disrupt our systems
• Collect data from our website or platform without permission
• Impersonate another person or misrepresent your identity

6. Limitations and No Guarantees

While we aim to provide high-quality services, we do not guarantee specific financial outcomes or earnings. Use of our Services does not guarantee business or investment results.

7. Termination

We reserve the right to suspend or terminate your access to our Services if you violate these Terms or misuse the system. We may also take legal action as needed.

8. Modifications

We may update these Terms at any time. Updates will be posted on our website with a revised “Last Updated” date. Continued use of the Services after updates implies your agreement to the changes.

9. Governing Law

These Terms shall be governed by the laws of the State of Maryland, without regard to its conflict of law rules.

10. Contact Information