Compliance Policies

Stonebridge Financial is committed to upholding the highest standards of compliance, ethics, and regulatory integrity in the debt settlement industry. These Compliance Policies outline our standards and procedures to ensure transparency, client protection, and adherence to all relevant laws.

1. Regulatory Adherence: - Operate in full compliance with federal and state laws, including the Telemarketing Sales Rule (TSR) and state-specific debt settlement regulations. - Maintain updated business licenses, permits, and bonding as required by applicable jurisdictions.
2. Client Protection and Transparency: - Provide clear disclosures on services, fees, timelines, and risks to all clients. - Prohibit deceptive, misleading, or aggressive sales tactics.
3. Data Privacy and Security: -Comply with all applicable data protection and privacy regulations. - Implement robust security measures to safeguard client data and financial information.
4. Marketing and Advertising: - Ensure all advertisements, scripts, and communications meet truth-in-advertising requirements. - All marketing partners must adhere to our compliance standards.
5. Employee and Partner Training: - Provide regular compliance training for employees, contractors, and affiliates. - Require acknowledgment of ethical guidelines and strict adherence to compliance procedures.
6. Recordkeeping and Documentation: - Maintain accurate records of all client interactions, settlements, and internal processes. - Ensure retention policies comply with federal and state requirements.
7. Auditing and Oversight: - Conduct regular audits to monitor adherence to compliance policies. - Designate compliance officers to oversee implementation and corrective actions.
8. Reporting Violations: -Encourage employees and partners to report violations through secure reporting channels. - Investigate all violations promptly and take corrective action.
9. Policy Review: - Review and update these Compliance Policies at least annually or when significant regulatory changes occur.

Contact Us: Stonebridge Financial Email: [email protected] Phone: (888) 224-0911

Stone Bridge Financial

Debt Solutions

80 S.W. 8th Street, Suite 2000, Miami, 33130.

Legal

Program length varies depending on an individual’s situation. Programs typically range between 24 and 60 months. Clients who are able to remain in the program and successfully settle all enrolled debts may realize approximate savings of 43% before our 25% program fee.

This is a debt resolution program provided by DebtBlue (“DebtBlue,” “we,” or “us”). DebtBlue offers this program in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, MT, NE, NV, NJ, NM, NY, NC, OH, OK, PA, SC, SD, TN, TX, UT, VA, WA, and DC. If a consumer residing in any other state contacts us, we may connect them with a law firm or service provider that offers debt resolution services in their state. DebtBlue is licensed or registered to provide debt resolution services in states where such licensing or registration is required.

Debt resolution program results vary based on individual circumstances. As such, debt resolution services are not appropriate for everyone. Not all debts are eligible for enrollment, and not all individuals who enroll complete the program for various reasons, including the inability to save sufficient funds.

Savings resulting from successful debt negotiations may have tax consequences. Please consult with a tax professional regarding any potential tax implications. The use of debt settlement services and the failure to make payments to creditors:

Will likely adversely affect your creditworthiness (credit rating or credit score) and may make it more difficult to obtain credit in the future;

May result in collection efforts or legal action, including lawsuits, by creditors or debt collectors; and

May increase the total amount owed due to the accrual of interest, fees, or penalties assessed by creditors or debt collectors.

Failure to make timely monthly payments will result in increased balances and negatively impact your credit rating. Not all creditors will agree to reduce the principal balance owed, and some may pursue collection actions, including litigation. DebtBlue’s fees are calculated as a percentage of the debt enrolled in the program. Please read and fully understand the program agreement prior to enrollment.

DebtBlue does not pay or assume consumer debts and does not provide legal, financial, tax, or credit repair advice or services. Consumers should consult with independent professionals for such advice or services. For information regarding bankruptcy, please consult a qualified bankruptcy attorney.

Client Grievance Procedure:
If you are unable to resolve an issue with your Debt Specialist or Client Services Representative, please request to speak with a manager. If you are still unable to reach a resolution, please escalate your concern by email at [email protected].

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