Terms of Service

Last Updated: November 30, 2025

1. Acceptance of Terms

By accessing and using Stebosa, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using this platform.

2. Description of Service

STEBOSA provides a secure member management and financial services platform. Our services include:

  • Member account management
  • Financial transaction processing
  • Savings and loan management
  • Reporting and analytics
  • Secure communications

3. User Accounts

Account Creation and Security:

  • You must provide accurate and complete information during registration
  • You are responsible for maintaining the confidentiality of your account credentials
  • You must notify us immediately of any unauthorized access to your account
  • One person per account; sharing accounts is prohibited
  • You must be at least 18 years of age to create an account

4. User Responsibilities

As a user, you agree to:

  • Use the platform only for lawful purposes
  • Not attempt to gain unauthorized access to any part of the system
  • Not interfere with or disrupt the platform or servers
  • Not use automated systems to access the platform without permission
  • Maintain accurate and up-to-date personal information
  • Comply with all applicable financial regulations

5. Prohibited Activities

You may not:

  • Engage in fraudulent activities or money laundering
  • Impersonate another person or entity
  • Upload malicious code or viruses
  • Attempt to reverse engineer or compromise the platform security
  • Harvest user data or contact information
  • Use the platform for illegal activities
  • Violate any applicable local, state, national, or international law

6. Financial Transactions

All financial transactions are subject to verification and may be delayed or rejected if:

  • Suspicious activity is detected
  • Required documentation is missing
  • Transactions violate applicable laws or regulations
  • Insufficient funds are available
  • The transaction exceeds established limits

7. Fees and Charges

Transaction fees and service charges apply as outlined in our fee schedule. We reserve the right to modify fees with 30 days prior notice to members.

8. Privacy and Data Protection

Your use of this platform is also governed by our Privacy Policy. We are committed to protecting your personal information and complying with data protection regulations.

9. Intellectual Property

All content, features, and functionality of this platform are owned by STEBOSA and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

10. Disclaimer of Warranties

The platform is provided "as is" without warranties of any kind, either express or implied. We do not guarantee uninterrupted access or error-free operation. We reserve the right to modify or discontinue services without prior notice.

11. Limitation of Liability

To the fullest extent permitted by law, STEBOSA shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the platform. Our total liability is limited to the amount of fees you have paid during the past 12 months.

12. Account Termination

We reserve the right to suspend or terminate your account at any time for:

  • Violation of these Terms of Service
  • Fraudulent or illegal activity
  • Extended periods of inactivity
  • Request from law enforcement or regulatory authorities
  • Any conduct we deem harmful to other users or the platform

Upon termination, you will lose access to your account. We will make reasonable efforts to return your funds according to applicable regulations.

13. Dispute Resolution

Any disputes arising from these terms shall be resolved through:

  1. Direct negotiation between the parties
  2. Mediation by a mutually agreed upon mediator if negotiation fails
  3. Binding arbitration or legal proceedings as a last resort

14. Governing Law

These Terms of Service are governed by and construed in accordance with applicable laws. Any legal proceedings must be conducted in the appropriate jurisdiction.

15. Changes to Terms

We may modify these Terms of Service at any time. We will notify users of significant changes via email or through a prominent notice on the platform. Continued use of the platform after changes constitutes acceptance of the modified terms.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Contact Information

For questions about these Terms of Service, please contact us:

STEBOSA
Email: support@stebosa.com
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