REDEMPTION PROGRAM TERMS

Qix Information Technologies LLC

Qixit™ • Qix Credits™ • 2WayMicropay™ • PayMail™ • Summa Accounts™ • Qixit™ Credit Cash-Conversion Service | 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; Software License; Privacy Policy; Earnings Disclaimer. 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.

IMPORTANT: THE QIXIT REDEMPTION PROGRAM IS A SEPARATE, OPT-IN SERVICE. ENROLLMENT AND CASH DISBURSEMENTS ARE NOT AUTOMATIC. EVERY PERSON OR BUSINESS FORMALLY APPLYING TO REDEEM QIX CREDITS FOR CASH MUST PROVIDE A COMPLETED, SIGNED, VALID IRS FORM W-9 (FOR A U.S. TAX PERSON) OR THE APPROPRIATE IRS FORM W-8 (FOR A FOREIGN PERSON), REGARDLESS OF THE AMOUNT REQUESTED OR ANY IRS INFORMATION-REPORTING THRESHOLD. IDENTITY VERIFICATION, ELIGIBLE CREDIT SOURCE, PAYMENT DESTINATION, SANCTIONS REVIEW, APPLICABLE WITHHOLDING, AND QIXIT APPROVAL ALSO APPLY. CASH REDEMPTION IS CURRENTLY LIMITED TO ELIGIBLE U.S. TAX PERSONS; FOREIGN REDEMPTION MAY BE OFFERED LATER IN APPROVED JURISDICTIONS. SUBMISSION OF A TAX FORM DOES NOT ITSELF ESTABLISH ELIGIBILITY. CREDIT TRANSACTIONS AND DISBURSEMENTS MAY HAVE TAX CONSEQUENCES. CONSULT YOUR TAX ADVISOR.

THIS DOCUMENT CONTROLS OVER THE SERVICE AGREEMENT WITH RESPECT TO ALL MATTERS RELATING TO CASH CONVERSION OF QIXIT CREDITS. FOR ALL OTHER MATTERS, THE SERVICE AGREEMENT AND OTHER QIX™ LEGAL SUITE DOCUMENTS APPLY.

These Redemption Program Terms (“Redemption Terms”) govern the Qixit Credit cash-conversion service (the “Redemption Program”) offered by Qix Information Technologies LLC (“Qixit,” “we,” “us,” or “our”) to eligible Qixit Service users. The Redemption Program is a separate financial service distinct from the general Qixit platform credit system described in the Service Agreement. General platform use, credit accumulation, and credit-for-goods exchanges are governed solely by the Service Agreement and are not affected by these Redemption Terms.

1. Nature of the Redemption Program

The Redemption Program provides a mechanism by which eligible Qixit users may request conversion of qualifying Qixit Credits to cash value, disbursed by check, ACH bank deposit, or qualifying gift card (each a “Disbursement”), subject to the eligibility requirements, limits, fees, and compliance obligations set forth in these Redemption Terms.

The Redemption Program is structured as a separate financial service layer operating alongside the general Qixit credit platform. The general Qixit credit platform remains a closed-loop points system in which credits have no cash value. Only credits that have been expressly approved for conversion in a given payment period pursuant to these Redemption Terms are treated as having cash-conversion value, and only for enrolled users.

QIXIT MAKES NO REPRESENTATION THAT THE REDEMPTION PROGRAM CONSTITUTES OR DOES NOT CONSTITUTE MONEY TRANSMISSION UNDER APPLICABLE FEDERAL OR STATE LAW. QIXIT RESERVES THE RIGHT TO MODIFY, SUSPEND, OR DISCONTINUE THE REDEMPTION PROGRAM AT ANY TIME IF REQUIRED BY APPLICABLE LAW OR REGULATORY GUIDANCE, WITH NOTICE TO ENROLLED USERS.

2. Eligibility

2.1 Eligible User Categories

Redemption Program enrollment is available only to users who fall within one or more of the following categories, as determined by Qixit in its sole discretion:

Qualified Vendors: users who have actively sold Goods through the Qixit platform and have accumulated qualifying credits from Goods sales meeting the minimum threshold specified in Section 5.1
High-Volume Content Merchants: users who sell digital content, subscriptions, or recurring services through the Qixit platform and generate consistent monthly credit volumes meeting the threshold in Section 5.1
Qualified Referral Participants: users who have accumulated qualifying referral commission Credits under a Qixit referral program and otherwise satisfy the eligibility and minimum-threshold requirements of these Redemption Terms.
Qualified Qix Ad Network Publishers: approved Publishers who have validly earned and settled Qix Ad Network media compensation or payable Qixit-funded Publisher claim-share, if Qixit classifies those amounts as eligible earned credits and the participant meets the other requirements of these Redemption Terms. Merely registering as a Publisher or displaying advertisements does not establish cash-redemption eligibility.

Enrollment is not available to users whose credit balances consist solely of: (a) purchased communication credits; (b) Vendor Credits issued by a third-party Vendor; or (c) credits received solely from Delivery Charges on personal messages, unless those Delivery Charges far exceed the annual credits spent by the user, in which case individual cases will be reviewed for eligibility. These credit types are specifically excluded from the Redemption Program.

2.2 Tax Residency, International Eligibility, and Sanctions Requirements

General Qixit access is not the same as cash-redemption eligibility. Eligible individuals and businesses outside the United States may register for Qixit and use supported services, including earning, transferring, and spending Qix Credits, where permitted by applicable law and platform policies. Qixit services are generally available worldwide, subject to applicable United States laws, sanctions, export controls, other applicable legal requirements, technical availability, and feature-specific restrictions. The Qix Ad Network currently has its own United States-default serving and reward-claim country allowlist. General account eligibility, Ad Network access, and cash redemption are separate determinations.

Current U.S.-person eligibility. Redemption Program enrollment is currently limited to individuals and entities that Qixit determines to be U.S. persons for applicable U.S. federal tax purposes and that meet all program requirements. U.S. persons must submit a valid Form W-9 as described in Section 3.3. A U.S. mailing address, bank account, or Employer Identification Number (EIN) does not, by itself, establish that a person or entity qualifies as a U.S. tax person or is eligible for redemption.

Future foreign-person redemption. Qixit intends to offer redemption to qualifying foreign individuals and businesses in approved jurisdictions when appropriate identity verification, tax-documentation, withholding, reporting, sanctions, payment processing, and other required procedures are available. Such applicants will be required to supply the appropriate Form W-8 (ordinarily W-8BEN for foreign individuals or W-8BEN-E for foreign entities, subject to applicable exceptions) and any additional documentation Qixit requires. No foreign individual or entity is entitled to cash redemption until Qixit has expressly authorized that person’s enrollment and payment arrangement. Providing a Form W-8 does not authorize a disbursement by itself.

High-volume foreign-user inquiries. Foreign users who have accumulated more than $1,000 in Qix Credits that they wish to redeem are encouraged to contact Qixit through the Mailbox Support tab to request review of whether manual verification, an approved exception, or future processing may be available in their jurisdiction. Qixit has not completed or generally launched foreign-person cash redemption; the availability, timing, and terms of any international processing cannot be guaranteed. An inquiry, eligibility review, or balance exceeding $1,000 does not create an entitlement to redemption or remove the restrictions stated above. This $1,000 inquiry threshold is distinct from the $100 minimum disbursement threshold applicable to approved participants under Section 5.1. Qixit may obtain more information about demand in particular countries through these inquiries. Sensitive tax forms need not be provided for a nonbinding preliminary inquiry.

Sanctions and legal restrictions. Qixit prohibits access, enrollment, and transactions to the extent prohibited by U.S. sanctions and export controls, including restrictions administered by the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC), the U.S. Department of Commerce, and other applicable authorities. Qixit may reject, delay, hold, restrict, or terminate applications or disbursements based on applicable laws, sanctioned or restricted persons or entities, ownership or control interests, payment destinations, banks, territories, or a credible compliance concern. Restricted jurisdictions and parties are determined by the applicable laws and sanctions lists in effect at the time; nationality alone does not automatically make an individual prohibited. Qixit may require additional identity, ownership, residency, tax-status, or transaction information as needed to establish eligibility.

2.3 Account Standing Requirements

To be eligible for enrollment and to remain enrolled, you must:

Have an Account in good standing for at least 60 days with no pending suspension, restriction, or investigation
Have no unresolved chargeback disputes, fraud investigations, or compliance holds on your Account
Have complied with the one-individual-consumer-account requirement in Section 1.2 of the Service Agreement. Maintaining one or more 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 Redemption Program eligibility.
Have not been previously terminated from the Redemption Program for cause

Aliases, profiles, display names, handles, or other public-facing identities linked to the same underlying Account GUID are not separate Accounts and do not create separate redemption rights, separate consumer identities, separate referral eligibility, or separate Qix Credits accounts.

3. Enrollment Process

3.1 Application

To apply for Redemption Program enrollment, eligible users must submit an enrollment application through the Qixit platform. Qixit will review applications and notify applicants of approval or denial within a reasonable time. Qixit reserves the right to approve or deny any application in its sole discretion without obligation to provide a reason for denial.

3.2 Identity Verification

All Redemption Program applicants must successfully complete Qixit’s identity verification process before enrollment is confirmed. Identity verification requires submission of:

Government-issued photo identification (e.g., driver’s license, passport, or state ID)
Date of birth
Current residential address matching the address of record on the Account
Applicable taxpayer identification number and tax-status documentation: generally a Social Security Number or other appropriate U.S. taxpayer identification number for U.S. individuals, or a valid taxpayer identification number for the relevant entity; foreign applicants, if and when permitted, may be required to provide a foreign tax identification number or other identifier appropriate to their status and payment
Such additional documentation as Qixit may require to satisfy Customer Identification Program (CIP) obligations under the Bank Secrecy Act

Identity information will be processed and stored in accordance with the Privacy Policy, including the additional disclosures in Section 13A of the Privacy Policy. Identity information may be verified through third-party identity verification services and may be screened against government watchlists including the OFAC SDN list.

3.3 Mandatory W-9 / W-8 Tax-Status Certification for Every Cash-Redemption Applicant

Every individual or business formally applying to redeem Qix Credits for cash must provide a completed, signed, valid, and current tax-status certification appropriate to that applicant’s tax classification, regardless of the amount requested. This requirement applies at the current $100 disbursement minimum and will continue to apply if Qixit later reduces that minimum to $50, $20, or another amount. It applies even when no IRS information return would otherwise be required because of a reporting threshold or exemption.

U.S. persons for U.S. federal tax purposes must submit IRS Form W-9. Foreign individuals, if approved for participation in a future or expressly authorized foreign-redemption arrangement, generally must submit IRS Form W-8BEN, and foreign entities generally must submit IRS Form W-8BEN-E. A different W-8 form or other certification may be required based on the recipient’s classification, intermediary status, effectively connected income, treaty claim, or other applicable circumstances. Qixit will determine the documentation appropriate for its payment and compliance process; a U.S. bank account, mailing address, or EIN does not automatically establish U.S. tax-person status.

Qixit will review the tax certification for completeness, validity, consistency with the applicant’s independently verified legal identity and account records, and any applicable reporting and withholding requirements. Qixit may request corrections, updated certifications, or supporting documents. An accepted form may be reused for later disbursements while it remains valid and reliable, unless a change in circumstances or applicable law requires its replacement.

No cash disbursement will be approved or processed without the required accepted tax certification and all other applicable checks. The form is required by Qixit’s Redemption Program as a tax-compliance and additional anti-fraud control; collection does not itself prove identity, substitute for legally required verification, or make an otherwise ineligible person eligible. False certifications may have legal consequences, including penalties under applicable law. Tax forms and identifiers will be collected and handled through Qixit’s authorized secure process under the Privacy Policy. A foreign user’s preliminary inquiry about future redemption availability does not itself require submission of a tax form.

3.4 Program Agreement

Enrollment requires your affirmative acceptance of these Redemption Terms through the Qixit platform enrollment interface. Acceptance constitutes a legally binding agreement between you and Qixit governing all Disbursements processed under the Redemption Program.

4. AML Compliance Obligations

4.1 Qixit AML Program

The Redemption Program is subject to Qixit’s Anti-Money Laundering (AML) compliance program, which is designed to meet applicable Bank Secrecy Act (BSA) requirements. As a condition of enrollment and continued participation, you agree to cooperate with Qixit’s AML compliance procedures, including providing additional information or documentation upon request.

4.2 Suspicious Activity

Qixit reserves the right to delay, suspend, or refuse any Disbursement if Qixit has reason to believe, in its sole discretion, that the Disbursement involves suspicious activity, potential money laundering, fraud, or any other illegal activity. In such cases, Qixit may, and in certain circumstances is legally required to, file a Suspicious Activity Report (SAR) with FinCEN. The filing of a SAR is confidential and Qixit is legally prohibited from disclosing to you whether a SAR has been filed.

4.3 Prohibited Uses

The Redemption Program may not be used to:

Launder proceeds of criminal activity
Evade taxes or financial reporting obligations
Circumvent OFAC sanctions or export controls
Structure transactions to avoid BSA reporting thresholds
Transfer value on behalf of a third party (the enrolled user must be the beneficial owner of all credits being converted)

Violation of any prohibition in this Section 4.3 is a material breach of these Redemption Terms and may be reported to relevant law enforcement and regulatory authorities.

5. Disbursement Mechanics

5.1 Minimum Threshold

The minimum qualifying credit balance required to submit a Disbursement request is $100.00 (one hundred U.S. dollars in credit value). Qixit reserves the right to adjust this threshold upon thirty (30) days’ notice to enrolled users. Credits below the threshold remain in the user’s Account and may be accumulated with future eligible Credits until the threshold is met. The mandatory tax-certification requirement in Section 3.3 applies to every formal cash-redemption applicant regardless of this minimum or any future reduction of it.

5.2 Disbursement Methods

Disbursements under the Redemption Program are available through the following methods, subject to eligibility and availability:

ACH Direct Deposit: Disbursement to a U.S. bank or credit union account verified in your name. ACH deposits are generally processed within 3-5 business days of approval. This is the preferred and lowest-cost disbursement method.
Check: Physical check mailed by first-class mail to your verified address of record. Checks are subject to a processing fee per the Qixit Fee Schedule. Checks not presented for payment within 90 days of issuance will be voided and the amount re-credited to your Account.
Qualifying Gift Card: Where available, disbursement in the form of a single-retailer gift card to a Qixit-approved merchant. Gift cards redeemable for cash at banks or ATMs are not offered. The specific gift card options available and any associated fees will be disclosed in the Qixit platform at the time of your Disbursement request.

Qixit reserves the right to add, modify, or discontinue any Disbursement method at any time upon notice. You may not request Disbursement by methods not listed above, including wire transfer, cryptocurrency, or PayPal.

5.3 Disbursement Schedule

Disbursement requests must be submitted by the 15th day of January, April, July, or October. Qixit will process approved Disbursements by the last business day of the applicable month. For enrolled Vendors and merchants with quarterly qualifying credit accumulation in excess of $1,000, Qixit may, at its sole option, offer accelerated disbursement schedules.

5.4 Disbursement Fees

Each Disbursement is subject to the fees set forth in the Qixit Fee Schedule applicable to the Redemption Program. Fees are deducted from the Disbursement amount before payment. Qixit may update the Disbursement fee schedule upon fourteen (14) days’ notice to enrolled users.

5.5 Eligible Credits

Only the following credit types are eligible for conversion under the Redemption Program:

Credits earned from sales of Goods to other Qixit users
Credits earned from Delivery Charges on commercial messages from Approved Advertisers
Credits validly earned as referral commissions under a Qixit referral program, subject to any applicable fraud, reversal, chargeback, reserve, or compliance hold.
Credits validly earned and settled by an approved Qix Ad Network Publisher from qualifying Advertiser-funded CPM/CPC media compensation, and payable Qixit-funded Publisher claim-share, to the extent Qixit classifies these amounts as eligible earned credits for the enrolled participant and they are not subject to hold, chargeback, reversal, reserve, or other applicable restriction.

Vendor Credits, purchased communication credits, nonredeemable promotional credits, and provisional or unsettled advertising credits do not become cash-redeemable merely because they are associated with an advertising campaign. Visitor rewards and all other credits remain subject to their specific classification and eligibility restrictions.

The following credit types are expressly ineligible for Disbursement regardless of enrollment status:

Purchased communication credits
Vendor Credits issued by a third-party Vendor
Credits that are subject to a pending chargeback, reversal, or compliance hold
Credits that are within the reserve amount held by Qixit under Section 8.6 of the Service Agreement

5.6 Reserves

Qixit will maintain the reserve described in Section 8.6 of the Service Agreement before calculating the amount eligible for Disbursement. The reserve is not eligible for Disbursement during any period in which it is held. Qixit may adjust the reserve percentage at any time upon notice.

5.7 QNAA Calculation for Redemption Program Participants

The Quarterly Net Amount Available (QNAA) for Disbursement equals: eligible credit balance at the end of the prior quarter, minus any purchases of Goods and/or communication credits since the end of the prior quarter through the Disbursement-processing date, minus the applicable reserve, minus any outstanding Disbursement fees.

6. Tax Reporting and Withholding

6.1 Tax Information Reporting

Qixit will comply with applicable tax information-return obligations based on the nature of the payment, the identity and status of its recipient, the tax year, and applicable law. Qualifying U.S. nonemployee compensation may be reported on Form 1099-NEC, while other payments may require a different Form 1099 or other information return. Certain U.S.-source payments to foreign persons, if foreign disbursements become available, may require Form 1042-S and other withholding-agent filings, including where a reduced withholding rate or exemption applies. Qixit will apply the relevant reporting thresholds, classifications, exceptions, and deadlines, and will furnish required statements to recipients.

The contractual requirement to submit Form W-9 or the appropriate Form W-8 applies to every formal cash-redemption applicant regardless of any IRS information-return reporting threshold or disbursement amount. A threshold for filing an information return does not determine whether a payment is taxable. The IRS Form 1099-NEC threshold applicable to qualifying 2026 payments generally differs from the threshold that applied before 2026, and may change again; therefore, no fixed reporting threshold is promised in these Redemption Terms.

6.2 Backup Withholding and Other Withholding

Qixit may be required to withhold and remit amounts under applicable tax laws, including backup withholding on certain payments to U.S. recipients and nonresident withholding on certain U.S.-source payments to foreign recipients. The rate and treatment depend on the recipient’s tax status, the nature and source of the payment, available exemptions or treaty benefits, and the validity of the relevant tax certifications. A correctly documented payment may nevertheless be subject to legally required withholding.

For payments subject to U.S. backup withholding, the statutory rate is currently 24%, but the applicable rules and rates may change. Qixit will not process a cash disbursement without an accepted W-9 or appropriate W-8 and all other required documentation; a participant cannot avoid a legal withholding obligation by declining to supply the requested certification.

6.3 Your Tax Obligations

Qixit does not provide tax advice. Whether and to what extent Disbursements received under the Redemption Program constitute taxable income is a matter to be determined under applicable law, taking account of your circumstances and the nature of the underlying transactions. You are responsible for reporting and paying taxes imposed on you. Qixit is responsible for tax reporting or withholding legally imposed on Qixit. The issuance or absence of a Form 1099, Form 1042-S, or other information return does not independently determine taxability. Earning, receiving, transferring, or spending Qix Credits may also have tax consequences independent of a cash disbursement. Qixit makes no representation that all credits remain tax-free until conversion to cash.

6.4 Changes in Tax Law

Tax reporting thresholds and requirements applicable to the Redemption Program are subject to change by the IRS and Congress. Qixit will update these Redemption Terms and its practices to comply with applicable law as it changes. The most current tax reporting thresholds and procedures will be disclosed in the Qixit platform and communicated to enrolled users.

7. Risk of Reversal and Chargebacks

Credits approved for Disbursement but not yet disbursed remain subject to reversal in the event of a chargeback, fraud determination, or compliance hold applied to the underlying transactions. Qixit will notify you of any reversal affecting a pending Disbursement. If a Disbursement has already been processed and the underlying credits are subsequently reversed, you agree to reimburse Qixit for the full Disbursement amount plus any associated chargeback fees through any means available to Qixit, including offset against future Disbursements or Account balances.

8. Program Suspension and Termination

8.1 Suspension of Enrollment

Qixit may suspend your Redemption Program enrollment at any time without notice if: (a) Qixit has reason to believe you have violated these Redemption Terms, the Service Agreement, or any applicable law; (b) a compliance hold, fraud investigation, or chargeback dispute is pending on your Account; (c) you have failed to maintain current and accurate tax information on file; or (d) Qixit is required to do so by applicable law or regulatory guidance.

8.2 Termination for Cause

Qixit may permanently terminate your Redemption Program enrollment, in addition to any other available remedies, if: (a) you have provided false identity or tax information; (b) you have used the Redemption Program for any prohibited purpose under Section 4.3; (c) you have registered or operated more than one Account in violation of Section 1.2 of the Service Agreement; (d) Qixit determines that your enrollment creates an unacceptable regulatory risk or compliance exposure for Qixit; or (e) Qixit determines that you used any individual account, business account, temporary test account, alias, related-party account, household account, employee account, contractor account, bot account, artificial traffic, referral chain, payout link, or coordinated activity to harvest advertising rewards, manipulate referral attribution, create artificial Tier 1 or Tier 2 commissions, double-dip on advertising rewards and referral commissions, evade account limits, or otherwise abuse the Qixit platform or Redemption Program.

8.3 Program Discontinuation

Qixit reserves the right to discontinue the Redemption Program in its entirety at any time upon thirty (30) days’ notice to enrolled users, or immediately if required by applicable law or regulatory action. Upon discontinuation, any pending Disbursement requests that have been approved prior to the notice date will be honored. Credits that have not yet been approved for Disbursement at the time of discontinuation will revert to their status as standard Qixit platform credits with no cash-conversion value.

9. Dispute Resolution

Disputes arising under or relating to these Redemption Terms are subject to the mandatory arbitration, class action waiver, and jury trial waiver provisions set forth in Section 17.3 of the Service Agreement, which are incorporated herein by reference. You must raise any dispute regarding a specific Disbursement within sixty (60) days of the Disbursement date or the date you knew or should have known of the alleged error, whichever is earlier, or such dispute is permanently waived.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, QIXIT’S TOTAL AGGREGATE LIABILITY TO YOU UNDER THESE REDEMPTION TERMS FOR ALL CLAIMS OF ANY NATURE SHALL NOT EXCEED THE TOTAL AMOUNT OF DISBURSEMENTS ACTUALLY PAID TO YOU IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR $500.00, WHICHEVER IS LESS. THIS LIMITATION APPLIES REGARDLESS OF THE LEGAL THEORY ASSERTED AND EVEN IF QIXIT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

The limitation in this Section 10 is separate from and in addition to the general limitation of liability in Section 14 of the Service Agreement. For claims arising solely under these Redemption Terms, this Section 10 controls.

11. Regulatory Compliance and Program Modifications

The Redemption Program is subject to applicable federal and state financial services laws and regulations, including but not limited to the Bank Secrecy Act, OFAC regulations, IRS information reporting requirements, and applicable state money transmission laws. Qixit reserves the right to modify these Redemption Terms, the Disbursement methods available, the eligibility criteria, and the fee schedule at any time to the extent required or advisable to comply with applicable law or regulatory guidance, upon notice to enrolled users.

If any provision of these Redemption Terms is found to be inconsistent with applicable law, that provision will be modified or removed to the minimum extent necessary to achieve compliance. The remaining provisions will continue in full force and effect.

12. Indemnification

You agree to indemnify, defend, and hold harmless Qixit and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, penalties, fines, damages, and expenses (including reasonable attorneys’ fees) arising from: (a) your violation of these Redemption Terms; (b) false or inaccurate information provided in connection with your enrollment, Form W-9, applicable Form W-8, or other required tax certification; (c) your violation of any applicable tax, AML, sanctions, or financial services law; or (d) any third-party claim arising from your receipt of a Disbursement.

13. Privacy

The collection, use, storage, and sharing of personal information in connection with your Redemption Program enrollment and Disbursements is governed by the Privacy Policy, including the additional disclosures in Section 13A of the Privacy Policy regarding Form W-9 and appropriate Form W-8 certifications, applicable 1099 and other tax reporting or withholding, identity verification, AML compliance, and payment processor data sharing. By enrolling in the Redemption Program, you acknowledge and consent to the data processing practices described in Section 13A of the Privacy Policy.

14. Entire Agreement; Relationship to Other Documents

These Redemption Terms, together with the Terms of Use, Service Agreement, Software License, Privacy Policy, and Earnings Disclaimer, constitute the complete agreement between the parties with respect to the Redemption Program. These Redemption Terms control over the Service Agreement with respect to all matters relating to cash conversion of Qixit Credits. For all other matters, the Service Agreement and the balance of the Qix™ legal suite apply.

15. Amendments and Updates

Qixit reserves the right to amend these Redemption Terms at any time. Material amendments will be communicated to enrolled users by message to their Qixit account address at least fourteen (14) days before the effective date, unless a shorter notice period is required by applicable law or regulatory action. Your continued participation in the Redemption Program after the effective date of any amendment constitutes acceptance of the amended terms. If you do not agree to an amendment, you must notify Qixit and withdraw from the Redemption Program before the effective date.

Contact Information

Redemption Program inquiries: Qix Information Technologies LLC, 1333 College Pkwy #160, Gulf Breeze, FL 32563

Qixit Messaging Address: CustomerService | Contact page

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

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