EARNINGS DISCLAIMER

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; Privacy Policy. Precedence on conflict: Terms of Use → Service Agreement → Redemption Program Terms → Software License / Privacy Policy / Earnings Disclaimer. For cash conversion of Qixit 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.

IMPORTANT: QIX CREDITS ARE PLATFORM CREDITS, NOT LEGAL TENDER, AND ARE NOT AUTOMATICALLY REDEEMABLE FOR CASH. TAX CONSEQUENCES DEPEND ON HOW CREDITS ARE EARNED, RECEIVED, USED, OR CONVERTED AND ON APPLICABLE LAW. CASH REDEMPTION IS SUBJECT TO SEPARATE APPROVAL AND THE REDEMPTION PROGRAM TERMS.

1. Nature of Qix Credits™ — Platform Value and Tax Treatment

NATURE AND TAX TREATMENT OF QIX CREDITS. Qix Credits are proprietary platform credits, not U.S. currency or legal tender, and are not automatically redeemable for cash. Account balances may be displayed using U.S. dollar-and-cent denominations as a convenience and are subject to the Service Agreement. A Participant’s contractual right, if any, to convert eligible credits to cash exists only after separate approval under the Redemption Program Terms.

The legal and tax treatment of credits, goods, discounts, rewards, referral commissions, advertising compensation, services, and transfers depends on how the value was earned or used and the applicable law. Qixit does not represent that all Qix Credits are excluded from taxable income until cash conversion or that an information-return threshold is an income-tax exemption. Qixit is not the employer of independent Publishers, Advertisers, creators, or referral participants merely because they use the platform. Consult your tax adviser regarding your own activities and jurisdictions.

You may earn Qix Credits by accepting qualifying commercial messages, completing approved advertising claims, selling Goods or content, participating in referral programs, or displaying valid advertisements as a Publisher. Program eligibility and actual earning conditions vary by feature and are governed by the Service Agreement.

IMPORTANT TAX NOTICE: Cash disbursements may be taxable and may require information reporting or withholding. Tax consequences can also arise from noncash consideration, credits, or transactions depending on the circumstances. Every formal cash-redemption applicant must provide the appropriate valid W-9 or W-8 tax-status certification regardless of amount. Filing thresholds do not define whether income is taxable.

2. How Credits Are Earned from Commercial Messages

You will receive a credit to your Qixit account with every qualifying commercial message delivered to you, at the Delivery Charge rate applicable to that message category. Delivery Charges are initially preset by Qixit during the onboarding period. Once you have established an account history, you may set your own Delivery Charge rates if you choose to use the Qixit™ client software.

The actual credits you receive will depend on:

The Delivery Charge rates you have set for each message category
The volume of advertisers choosing to send messages in your selected categories at your rates
Your account history and engagement record, which affects advertiser targeting decisions
The overall volume of advertising activity on the Qixit platform at any given time
Whether Qixit has applied any temporary rate restrictions during the Beta period

3. No Guarantee of Credit Volume or Value

There is no guarantee that advertisers will deliver commercial messages to your account on any given day, week, or month. Delivery volume depends entirely on advertiser demand, which fluctuates based on market conditions, campaign budgets, and the demographics of users targeted by each campaign.

In particular, you may receive fewer or no commercial messages if:

Your Delivery Charge rates are set higher than advertisers are willing to pay for your demographic profile
You have a limited or poor history of responding to, clicking through, or engaging with commercial messages
Advertisers do not select your demographic profile for a particular campaign
Overall advertising volume on the Qixit platform is low during a given period
Qixit modifies, suspends, or restricts platform features during maintenance or development

We anticipate that users who actively use the Qixit™ platform and develop a consistent history of engaging with commercial messages and making purchases through Qixit will generally accumulate more credits over time. However, this is an expectation based on platform design, not a guarantee of any specific credit amount.

4. Credit Estimates and Examples Are Not Typical

Any credit earnings estimates, examples, projections, or illustrations that appear in Qixit marketing materials, on the Qixit website, or in communications from Qixit or its users are hypothetical examples only. They represent what we believe certain users could earn under favorable conditions, not what a typical user actually earns or can expect to earn.

THERE IS NO ASSURANCE THAT YOU WILL EARN ANY SPECIFIC AMOUNT OF QIXIT CREDITS. ANY CREDIT EXAMPLES SHOWN ARE NOT AVERAGES AND ARE NOT REPRESENTATIVE OF TYPICAL USER EXPERIENCE. ACTUAL RESULTS WILL VARY SIGNIFICANTLY BASED ON THE FACTORS DESCRIBED IN THIS DISCLAIMER.

Qixit does not currently publish a platform-wide average credit earnings figure. When and if such figures are published, they will be presented in a manner that reflects the full range of user experience, including users who earn minimal or no credits in a given period.

5. Referral Commissions

Qixit currently offers a two-tier Consumer Standard referral commission program subject to Section 5.3 of the Service Agreement.

Under the current Consumer Standard schedule, a qualifying participant may earn:

Tier 1: 10% of qualifying advertising revenue attributable to a directly referred user for up to 24 months, subject to a maximum cumulative commission of $20 in Qix Credits for that referred user.

Tier 2: 5% of qualifying advertising revenue attributable to a qualifying second-tier referred user for up to 24 months, subject to a maximum cumulative commission of $10 in Qix Credits for that referred user.

THE $20 AND $10 FIGURES ARE MAXIMUM CUMULATIVE COMMISSION LIMITS. THEY ARE NOT SIGNUP BONUSES, GUARANTEED EARNINGS, OR IMMEDIATE CASH PAYMENTS.

Referral commissions depend upon actual qualifying advertising activity. Merely referring a person who creates a Qixit Account does not guarantee that you will earn any commission from that referral.

Referral earnings may vary based upon, among other things:

the volume of advertising available on the Qixit platform;
whether advertisers select the referred user for campaigns;
the referred user’s activity and engagement;
the amount of qualifying advertising revenue actually attributable to that user;
the date on which the referral occurs and the remaining commission period;
refunds, reversals, chargebacks, fraud, or invalid referral activity; and
whether the applicable $20 or $10 cumulative cap has already been reached.

Some referrals may generate no referral commission.

Referral commissions are available only for bona fide qualifying referrals. Duplicate individual consumer accounts, self-referrals, fictitious accounts, temporary test accounts, account-farmed accounts, bot accounts, artificial traffic, improperly attributed accounts, or accounts created to harvest advertising rewards, manipulate Tier 1 or Tier 2 referral reporting, or double-dip on advertising rewards and referral commissions do not generate valid referral commissions.

Maintaining Company-approved business accounts, vendor accounts, creator accounts, publisher accounts, advertiser accounts, charity accounts, association accounts, loyalty-program accounts, or other organizational accounts linked to the same verified human user does not, by itself, violate the one-individual-consumer-account rule and does not, by itself, disqualify a user from earning or redeeming valid commissions. Business accounts are the proper way to manage separate businesses, brands, aliases, creator identities, publishing identities, advertiser identities, or other lawful market identities.

Any examples involving referral tracking, test accounts, business accounts, or multiple market identities are subject to the Service Agreement, Redemption Program Terms, fraud-prevention rules, and Qixit’s account-integrity determinations.

Referral commissions are credited as Qix Credits™, not cash. Cash conversion is a separate, conditional process available only to eligible users enrolled in the Redemption Program. Redemption Program eligibility, minimum thresholds, identity verification, tax documentation, AML procedures, fees, payment schedules, and other restrictions apply separately.

Any advertising or promotional statement describing the Consumer Standard program as allowing a participant to “earn up to $20 per referral” or “up to $10 for second-tier referrals” refers to these cumulative maximums and does not mean that Qixit pays a fixed amount for creating an Account.

Qixit may modify, suspend, or discontinue the Referral Program prospectively as provided in the Service Agreement.

Affiliates and other referral participants are responsible for clearly disclosing their financial relationship with Qixit when promoting Qixit using compensated referral links or codes and must not make false, misleading, or unsupported earnings claims.

5A. Qix Ad Network Publisher Earnings and Visitor Rewards

5A. Qix Ad Network Publisher Earnings and Visitor Rewards. Subject to valid measurement, advertiser budgets, eligibility, risk holds, and settlement, approved Publishers may earn 100% of the CPM/CPC media charges validly billed to Advertisers at their established campaign rates. Qixit currently does not deduct a separate platform media percentage from those amounts. Serving a Creative does not guarantee a billable view, claim-context CPC event, or any compensation. Same-Vendor self-serving does not generate Publisher media earnings.

Qixit may separately provide a Publisher claim-share incentive funded by available Qixit platform-fee revenue. The effective rate may change prospectively and may differ by Publisher. For Qix Credit reward claims, claim-share may accrue on a valid claim; for Vendor Credit rewards, it becomes payable only after qualifying redemption of the Vendor Credits. Expired or unused Vendor Credits do not by themselves generate a payable Publisher bonus. Advertiser-sponsored Visitor rewards are distinct from Publisher media compensation and may be issued as standard Qix Credits or restricted Vendor Credits under their applicable rules.

Ad fill, verified views, successful claims, advertiser budgets, effective rates, eCPM forecasts, dashboard estimates, advertiser demand, and Publisher earnings are inherently variable. No minimum traffic, revenue, earnings, rewards, claim-share, or cash payout is guaranteed. Credit earning does not override the geographic and eligibility restrictions governing cash redemption.

6. Cost Disclosure

Participating in the Qixit platform involves certain costs that may affect the net value of credits you accumulate:

Communication credits: You may purchase communication credits to send messages and conduct platform transactions. Purchased credits are non-refundable, cannot be redeemed for cash, and are ineligible for the Redemption Program. See Section 8.2 of the Service Agreement.
Transaction fees: Qixit deducts a Transaction Fee (a percentage of each Delivery Charge or credit transfer) at the time of each transaction. See the Qixit Fee Schedule for current rates.
Redemption Program fees: If you are enrolled in the Redemption Program, Disbursements are subject to processing fees as set forth in the Qixit Fee Schedule. See the Redemption Program Terms for details.
Chargeback fees: If a buyer of your Goods disputes a transaction, you may be charged a chargeback fee. See Section 8.9 of the Service Agreement.
Dormant account fees: Accounts with no earnings for 60 or more days are subject to a maintenance fee. See Section 8.11 of the Service Agreement.

Ad Network Advertisers are charged according to their configured campaign CPM and/or CPC settings, subject to the actual qualifying billing triggers described in Section 5.5 of the Service Agreement. Visitor rewards may create separate Advertiser funding obligations and Vendor Credit redemption fees. Publisher media compensation is distinct from Qixit’s separately funded claim-share; separately disclosed platform and redemption-related fees may still apply. Specific campaign settings are displayed in the appropriate advertiser/publisher interfaces.

6A. Tax Status, Information Reporting, and Cash Redemption

Every user or business formally applying to redeem Qix Credits for cash must provide a completed, signed, valid tax-status certification appropriate to the applicant, regardless of the cash-redemption minimum or the amount of the requested disbursement. U.S. tax persons provide Form W-9; foreign persons provide the applicable Form W-8, such as W-8BEN or W-8BEN-E, when foreign redemption is specifically approved and available. A valid form is an eligibility and identity-consistency requirement; it does not independently authorize a disbursement or substitute for identity verification.

Qixit may withhold and report amounts as required by applicable law, including through Form 1099-NEC, another appropriate Form 1099, Form 1042-S, or other tax reporting documents where applicable. IRS thresholds vary by reporting category and tax year. For certain nonemployee-compensation payments made in 2026, the federal Form 1099-NEC threshold is $2,000; other payment categories and required withholding may result in different reporting requirements. Qixit may collect tax forms even when no information return is required.

Users remain responsible for their tax obligations whether or not they receive a tax form from Qixit. Users should consult a qualified tax adviser to determine the treatment of Qix Credits, advertising earnings, referral commissions, content sales, discounts, and cash redemptions, including non-U.S. tax obligations where applicable.

7. No Endorsement of Third-Party Earnings Claims

Qixit does not endorse, verify, or take responsibility for any earnings claims made by third-party users, affiliates, referrers, or promoters of the Qixit platform. If you encounter claims about Qixit credit earnings or Redemption Program disbursements from a third party, those claims represent that individual’s personal experience or opinion and are not made by or on behalf of Qixit.

If you encounter a third-party earnings claim that you believe is false or misleading, please report it to us via our Contact page.

8. Forward-Looking Statements

Statements in this disclaimer and in Qixit marketing materials that describe anticipated platform behavior, expected credit accumulation patterns, or projected advertiser activity are forward-looking statements based on our current understanding. Actual results may differ materially due to changes in advertiser demand, platform modifications, regulatory requirements, or other factors outside Qixit’s control.

9. Entire Disclaimer; Relationship to Other Documents

This Earnings Disclaimer is part of the Qix™ legal document suite and should be read together with the Terms of Use, Service Agreement, Redemption Program Terms, Software License, and Privacy Policy. In the event of any conflict between this Earnings Disclaimer and the Service Agreement regarding the nature or redeemability of Qix Credits™, the Service Agreement controls. For matters relating to cash disbursement, the Redemption Program Terms control.

Qixit reserves the right to modify this Earnings Disclaimer at any time. Changes will be posted with a revised “Last Updated” date and, where material, communicated to registered users via their Qixit account address.

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

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