PRIVACY POLICY

Qix Information Technologies LLC

Qixit™ • Qix Credits™ • 2WayMicropay™ • PayMail™ • Summa Accounts™ | Components of the Qix™ Suite of Services

Last Updated: November 6, 2026

QIX™ LEGAL DOCUMENT SUITE — INCORPORATED BY REFERENCE

This document is part of the Qix™ legal document suite. By using any Qix™ service or software you agree to ALL of the following documents, each incorporated herein by reference: Terms of Use; Service Agreement; Redemption Program Terms; Software License; Earnings Disclaimer. Precedence on conflict: Terms of Use → Service Agreement → Redemption Program Terms → Software License / Privacy Policy / Earnings Disclaimer. For cash conversion of Qix Credits, the Redemption Program Terms control over the Service Agreement.

Qix Information Technologies LLC issues a proprietary platform reward point called Qix Credits™ (also referred to herein as ‘Credits’ or ‘Qixit Credits.’). All references to ‘Credits’ in this Service Agreement refer to Qix Credits.

Thank you for visiting Qixit.com, Qixit.net, 2WayMicropay.com, and related websites (collectively, the “Site”) and for using Qixit™ services (the “Service”) and software (the “Software”), all owned by Qix Information Technologies LLC (“Qixit,” “we,” “us,” or “our”). Your use of the Site, Service, and Software is also governed by our Terms of Use, Service Agreement, Redemption Program Terms, and Software License, each of which is incorporated herein by reference. By visiting the Site or using our Service or Software, you agree to be bound by the terms of this Policy and all other documents in the Qix™ legal suite.

We review our privacy practices from time to time and our practices are subject to change. We ask that you periodically review this page to ensure familiarity with the most current version. All amended terms are automatically effective after they are posted on the Site.

1. Overview

This Policy describes: the information we collect from you and what may happen to it; how cookies are used; how your information is used; with whom your information may be shared; your options regarding collection, use, and distribution of your information; security precautions we take; and additional processing activities undertaken in connection with the Qixit Redemption Program.

You can browse the public areas of our Site without identifying yourself. If you choose to apply for a Qixit account or use our Service or Software, the information you provide will be used to screen and evaluate your application, provide updates, finalize software delivery, and offer you service. Qixit collects and processes personal information to administer requested services, respond to user instructions, deliver and account for permitted transactions, provide security and fraud protection, satisfy legal requirements, and support other purposes described in this Policy. When legally required, Qixit seeks the applicable consent before processing; in other circumstances, processing may rely on other legally available bases. An individual’s use of a website or completion of registration is not a substitute for any specific, separate permission required by law for nonessential advertising tracking or the processing of children’s personal information.

2. How Qixit Uses Your Information

Qixit uses your information to provide our services, including a secure and cost-effective way to manage electronic communications and platform credit transactions, and a customized experience. We may also use your personal information to process orders, resolve disputes, troubleshoot problems, respond to inquiries, detect and protect against error, fraud, or other criminal activity, and enforce our agreements.

Information collected from your user profile, marketing profile, purchase patterns, and other uses of our services will be combined in central databases and may be used to develop and enhance our services.

Qixit may allow users and approved business accounts to create multiple aliases, profiles, display names, handles, brand identities, creator identities, business identities, or other public-facing or market-facing identities. Although these identities may appear separate to other users or third parties, Qixit may internally link them to the same underlying Account GUID, verified user identity, Qix Credits account, transaction ledger, referral records, compliance records, and fraud-prevention records.

Qixit may use this linkage to operate the platform, support privacy and identity controls, process transactions, enforce account limits, administer Qix Credits, verify referrals, prevent duplicate-account abuse, detect fraud, comply with law, and support tax, payment, redemption, and compliance obligations.

Qixit may use account, identity, business, device, transaction, referral, and behavioral information to determine whether multiple accounts are controlled by the same individual, to distinguish permitted business accounts from prohibited duplicate individual consumer accounts, to verify account ownership and beneficial ownership, to detect temporary test accounts, to verify referral-code tracking, and to prevent account farming, self-referrals, payout-link harvesting, artificial traffic, duplicate-account abuse, referral manipulation, advertising-reward abuse, and Redemption Program abuse.

Where a verified human user controls multiple Company-approved business accounts, Qixit may link those business accounts, GUIDs, usernames, vendor identities, creator identities, publisher identities, advertiser identities, charity identities, association identities, loyalty-program identities, and other market identities to the verified human user for compliance, tax, fraud-prevention, reporting, platform-operation, and customer-support purposes.

3. What Personally Identifiable Information We Collect

The primary purpose of collecting information from you is to provide you with a secure, effective, and personalized experience. We collect only information we consider necessary to achieve this purpose.

Qixit collects information in several ways:

Registration information: name, mailing address, phone number, email address, date of birth, and other basic demographic information
Problem reports submitted via the Site, by direct mail, or by telephone
Information provided when making a purchase or platform credit transaction
Correspondence records if you contact Qixit
Survey responses (never associated with personally identifiable information)
Business-account information, including business name, trade name, brand name, market identity, account GUID, username, display name, business address, EIN, beneficial-owner information, vendor credentials, business verification records, and information identifying the verified human user associated with the business account
Referral and attribution information, including referral codes, referral links, Tier 1 and Tier 2 referral relationships, referral reports, temporary test-account activity, referral-code verification activity, and account-linkage records
Fraud-prevention and account-integrity information, including device identifiers, IP addresses, browser and device signals, transaction patterns, referral patterns, payout-link activity, login patterns, and behavioral signals used to detect duplicate accounts, account farming, self-referrals, artificial traffic, and other abuse.

In connection with the Qix Ad Network, Qixit may process Publisher host and placement identifiers; Advertiser and Creative identifiers; webpage host/path information; ad serve, verified-view, click, claim, risk-hold, billing, and settlement events; times of those events; temporary session hashes and technical signals; IP-derived country and short-window fraud signals; advertiser/publisher business verification and sanctions-review information; and the Qixit Account identifier associated with a Visitor who signs in to PaymentFast to claim a reward. Qixit does not currently operate a persistent advertising identity graph across independent Publisher websites and does not rely on third-party advertising cookies for its Phase 1 ad SDK. Such design statements describe current functionality and may be revised if the service materially changes, with additional notices or permissions where required.

4. How We Increase and Monetize the Value of Your Information While Protecting Your Privacy

By using our service, you authorize us to collect information about you and your use of our services and to represent you in the sale of that information to third parties under conditions that reasonably protect your privacy while converting the value of that information into platform credits deposited into your account.

Your information is composed of two parts: Personally Identifiable Information (PII) — including your name, street address, date of birth, phone number, standard email address, your Qixit address, and any credit card or bank account information you supply; and Non-Personally Identifiable Information (non-PII) — including questionnaire and marketing profile responses, click-through and engagement data, commercial category purchase patterns, your age, zip code, and similar information that may increase the value of your market identity.

Commercial advertisers may indirectly query our database of non-PII, which produces aggregate summary results. These queries may result in your Qixit address being included in a mailing list — but no other PII is released to advertisers. Your Qixit address is not given to advertisers; instead, the approved commercial message is delivered directly from Qixit’s servers to your account along with your required delivery fee.

5. Personalization of Messages

Advertisers may include wildcard fields such as <FirstName> in their messages, which signals the Qixit software to replace the field with information from your personal profile. A message that begins “Dear Mr. Smith” does not mean the advertiser knows your name — it means the advertiser designed the message to be automatically personalized.

6. Information Accessible Through the User Directory

Unless you are a minor (under age 18), your account address, name, city, and state are searchable in our user directory. Your physical mailing address and phone number are not listed. People finding you in this directory can only communicate with you through your Qixit account and must pay your required message delivery charge. Minors will not be listed in our searchable directory.

7. Information Shared with Merchants

When making a purchase using Qixit, if you have preauthorized us to do so, your name and physical address may be automatically delivered to the seller along with your platform credit transfer. If you choose to withhold this information and provide an alternative delivery address, the seller may be notified that the delivery address differs from the account address on file.

If you respond to a commercial message by clicking a link or printing it, your Qixit address may be revealed to the sender. However, the sender’s use of your address remains restricted by your delivery charge settings and other restrictions in our user agreements with advertisers.

Referral Information Sharing for Audit Purposes. When a user creates a Qixit Account through a qualifying referral link or referral code, Qixit may allow the directly credited Tier 1 referrer to view and download the standard email address associated with the referred user’s account, together with limited information necessary to verify referral attribution, account registration, and referral commission calculations.

This information is provided strictly for referral verification, accounting, and audit purposes. It may not be used to contact referred users directly by email, telephone, text message, or any other outside communication method; to conduct marketing; to create mailing lists; or to sell, distribute, or otherwise disclose personal information to third parties.

All communications with referred users initiated through Qixit must take place through Qixit’s messaging platform, subject to the recipient’s applicable message delivery charges, privacy settings, and communication preferences. Access to referral audit information does not waive or reduce the recipient’s right to control access to their Qixit Mailbox.

Email-address access is limited to directly attributed Tier 1 referrals. Referrers are not entitled to receive the standard email addresses of indirectly referred users solely because of their commission relationship.

Qixit will not disclose private marketing profiles, passwords, tax information, government identity-verification records, banking information, private communications, or other information not necessary for the authorized audit purpose. Disclosure is subject to applicable notice, authorization, and privacy-law requirements.

8. Cookies

Cookies are small files sent to your browser from a web server and placed on your computer’s hard drive to assist us in providing our services. Most are “session cookies” automatically deleted at the end of a session. We may use cookies to:

Remind us of who you are when you log in and deliver a more personalized service
Measure visiting patterns in aggregate to build higher quality services
Determine your clickstream to our Site to enhance service and security
Better personalize the content you and other users see on our Site
Collect IP addresses for system administration and security

The Qix Ad Network’s current Publisher-site SDK uses temporary browser session storage and technical event identifiers, subject to its consent gating, to enable delivery, measurement, and fraud prevention. Qixit does not currently place third-party ad-targeting cookies through that SDK. A Publisher’s own cookies, consent-management software, or other page technologies are subject to that Publisher’s separate notices and obligations. When the required affirmative advertising consent signal is absent, Qixit’s ad integration is designed not to request an ad or store an ad session identifier. Subsequent nonessential viewable/click events stop when the SDK receives a consent-withdrawal signal. Separate claims, credit processing, and accounting may continue where permitted or required for independent transaction purposes.

9. With Whom Does Qixit Share Your Information?

Your personal information will not be made available to third parties except: (1) with your permission; (2) under the conditions described in Section 4 relating to authorized use of marketing information; (3) for limited referral-audit disclosures to directly credited Tier 1 referrers, as specifically described in Section 7; (4) as otherwise necessary to provide authorized Qixit services in accordance with this Policy; or (5) where disclosure is required or permitted by applicable law, legal process, or regulatory obligations.

Referral-audit disclosures are restricted to verification of referral attribution and commission accounting and do not authorize direct contact, marketing, or other unrelated uses of personal information.

For Ad Network activity, Qixit may disclose or make limited information available to authorized Publishers, Advertisers, technical processors, payment processors, sanctions/identity verification providers, and other service providers to the extent necessary for lawful delivery, measurement, rewards, settlement, security, or legal compliance. Participation in the Qix Ad Network does not entitle Advertisers to receive Qixit users’ registered email addresses, private marketing profiles, or other protected personal information. The limited Tier 1 referral-audit exception in Section 7 remains restricted to its stated purpose.

We may disclose account information where necessary to identify, contact, or bring legal action against someone who may be violating Qixit’s policies or applicable law, or causing injury to Qixit or other users. We may disclose or access account information when we believe in good faith that the law requires it and for administrative purposes necessary to maintain and improve our services.

10. Your Choices Regarding Your Information

Qixit will contact you if you request contact, if you create a Qixit account, or if you contact us directly. We may also send you messages through our Services and Software regarding related and unrelated products and services at no charge. You may manage message delivery charges and communication preferences through your Qixit account settings.

11. Your Use of Information from Other Parties

You agree to comply with all applicable local laws and rules regarding online conduct, privacy, and content. You agree to use any user information provided to you through the Qixit service solely for the purpose for which it was provided and in full compliance with that registered user’s Qixit account profile settings.

Restrictions on Referral Audit Information. Any Qixit participant who receives, views, or downloads referral information, including email addresses, must use that information exclusively for verifying referral attribution, reviewing referral reports, reconciling commissions, or submitting related inquiries to Qixit.

Participants may not use referral information obtained through Qixit to contact referred users directly outside Qixit’s messaging platform, including by email, telephone, SMS, direct messaging through other services, or postal mail. Participants may not sell, rent, publish, distribute, or incorporate such information into independent contact databases or marketing lists.

Any communication initiated through Qixit must comply with the intended recipient’s applicable messaging charges, privacy settings, and communication preferences.

Participants must take reasonable precautions to protect downloaded information against unauthorized access and disclosure and must delete downloaded copies when no longer reasonably necessary for the permitted audit purpose, subject to applicable legal recordkeeping requirements.

Qixit reserves the right to suspend reporting access, revoke Referral Program privileges, or take other appropriate action against participants who misuse referral information.

12. Security

Whenever Qixit handles your personal information, we take steps to ensure it is treated securely and in accordance with our user agreements and this Policy. Your information is stored on our servers located in the United States. We use procedural and technical safeguards — including encryption — to protect your personal information against loss, theft, and unauthorized access.

No data transmission over the Internet can be guaranteed to be 100% secure. We cannot warrant the security of any information you transmit to us, and you do so at your own risk. Once we receive your transmission, we make our best effort to ensure its security on our systems.

13. Note Regarding Qixit Credits™ and Financial Information

As more fully described in the Service Agreement, Qixit operates a proprietary points-based credit system, not a financial account. Any bank account or credit card information you provide is used solely for processing ACH transfers and credit card transactions in connection with funding your platform credit balance. Qixit does not store full credit card numbers beyond what is required to process a transaction. Financial information is subject to the security standards described in Section 12 and to our agreements with payment processors.

13A. Additional Data Processing for Redemption Program Participants

Users who enroll in the Qixit Redemption Program (the opt-in cash-conversion service described in the Redemption Program Terms) are subject to additional data collection and processing requirements. By enrolling in the Redemption Program, you consent to the following:

Tax Identification and Mandatory Applicant Forms

Tax Forms for Every Cash-Redemption Applicant. Every participant who formally applies to redeem Qix Credits for cash must submit a completed, signed, valid, and current tax-status certification, regardless of the requested amount, minimum payout threshold, or whether an IRS information return is expected. U.S. tax persons must provide Form W-9. Foreign individuals must provide Form W-8BEN unless another form is appropriate, and foreign entities must provide Form W-8BEN-E or another applicable Form W-8. Forms are collected to document tax status, support required reporting/withholding, and provide an additional consistency check against verified account identity; they are not a substitute for identity verification. Qixit will review and securely retain the forms and may share necessary information with authorized identity, tax, compliance, and payment-service providers. Qixit will not authorize disbursement without required documentation. Foreign cash redemption is unavailable unless Qixit separately authorizes the relevant jurisdiction, participant, and payout channel. Depending on the transaction, Qixit may be required to file Form 1099, Form 1042-S, or another information return and to withhold/remit amounts required by law. Filing thresholds do not limit Qixit’s universal tax-form collection requirement for formal redemption applications.

Identity Verification and AML Compliance

The Redemption Program is subject to federal Bank Secrecy Act (BSA) and AML compliance obligations. Qixit may collect and verify government-issued photo identification, date of birth, residential address, and other identifying information required to satisfy Customer Identification Program (CIP) requirements. This information may be shared with Qixit’s compliance service providers and, where legally required, with FinCEN or other regulatory authorities.

Qixit may screen your identity information against the OFAC SDN list and other government watchlists at enrollment and periodically thereafter. If a match is identified, your enrollment may be suspended and the matter may be reported to relevant authorities as required by law.

Payment Processor Data Sharing

Cash disbursements are processed through third-party payment processors (including ACH networks, check issuance services, and gift card issuers). Your name, address, banking or mailing information, and disbursement amount will be shared with the applicable payment processor to the extent necessary to complete each disbursement. Each payment processor operates under its own privacy policy; Qixit requires all payment processors to maintain commercially reasonable security standards under data processing agreements.

Retention of Redemption Program Records

Records relating to Redemption Program disbursements — including W-9 forms, identity verification documents, disbursement records, and 1099 filings — are subject to mandatory retention periods under applicable tax and BSA/AML regulations. These records will be retained for a minimum of five (5) years from the date of the disbursement or as otherwise required by law, regardless of whether your Account or Redemption Program enrollment is terminated.

13B. Qix Ad Network — Third-Party Advertising Data and Retention

13B. Qix Ad Network — Third-Party Websites and Advertising Processing. Participating Publishers may display advertisements using Qixit-provided software on websites operated by those Publishers. Qixit processes limited technical and advertising information to determine eligibility, deliver authorized ads, measure verified views and qualifying claim-context events, detect invalid traffic, allocate Publisher compensation, fulfill authorized reward claims, respond to disputes, and comply with legal obligations.

A Publisher must obtain any legally necessary permissions through its own consent-management process and provide the affirmative technical consent signal required by Qixit before nonessential ad processing. A Publisher notice alone does not necessarily establish legally valid consent. Qixit does not provide a general-purpose Publisher consent-management tool, and both parties retain their independent obligations under applicable privacy law. Visitors may withdraw advertising consent using the Publisher’s applicable mechanism; future nonessential SDK advertising events are designed to stop once the withdrawal signal is transmitted. Withdrawal does not necessarily cancel independently authorized purchases, pending financial transactions, or legal accounting records.

Advertising interactions are generally measured without a durable cross-Publisher identity graph. If a Visitor signs in through Qixit PaymentFast to claim an offer, Qixit may connect the qualifying advertising event to that Visitor’s Account to determine eligibility, credit the reward, prevent duplicate claims, and account for related Advertiser and Publisher transactions.

The current default schedule retains detailed ad-event diagnostic information for 90 days and short-window risk counters for seven days, subject to documented administrator-controlled periods within technical limits and applicable legal requirements. After the applicable retention window, designated event session hashes and page paths are cleared, qualifying nonfinancial no-fill and served diagnostic rows without billing tokens are deleted, and expired risk-counter rows are removed. This procedure does not delete every ad-related record. Publisher earnings, settlement transactions, Account History, and other financial, security, or legally required records are maintained under separate applicable retention policies. Administrative changes to retention periods must remain consistent with disclosed purposes and applicable law.

The Qix Ad Network currently serves ads only on eligible General Audience sites, and sponsored reward claims are unavailable to known minor Qixit users. Sites classified as Mixed Audience, Child-Directed, or Unverified are not served under Phase 1. These restrictions do not themselves establish a complete children’s privacy program for Qixit Mailbox or other Qixit services.

13C. Parent-Managed Minor Accounts

An eligible parent or guardian may create a restricted Qixit subaccount for a child under the account procedures described in the Service Agreement. Qixit may collect the parent-provided account information, a declared age band, optional birth date, credentials, and parental-authority acknowledgment. A parental-authority acknowledgment by itself is not represented as completion of a legally required verifiable parental-consent process. Children’s use of messaging, profiles, or other features may involve separate collection or disclosure of information, requiring additional notices, consent, or restrictions under applicable law. Qixit restricts advertising and advertiser-sponsored reward claims for known minor accounts during the current Ad Network implementation. Qixit will provide or restrict any other minor-facing features according to the permissions and compliance procedures actually in force and applicable law.

14. Additional Information

Any questions regarding this Policy should be directed through our Contact page.

This Policy is the sole authorized statement of Qixit’s practices with respect to the online collection of personally identifiable information and the usage of such information. This Policy should be read together with the Terms of Use, Service Agreement, Redemption Program Terms, Software License, and Earnings Disclaimer, all of which collectively govern your use of the Qix™ platform.

In the event of any sale or transfer of assets or our business to a third party, we reserve the right to transfer any and all information we collect to that third party, provided that the third party shall be bound by the same or stricter provisions as those in our agreements and this Privacy Policy.

Qix Information Technologies LLC • 1333 College Pkwy #160, Gulf Breeze, FL 32563

Qixit Messaging Address: CustomerService • qixit.com • 2waymicropay.com