QIXIT SERVICE AGREEMENT

Qix Information Technologies LLC

Qixit™  •  Qix Credits™  •  2WayMicropay™  •  PayMail™ • Summa™  • Summa Accounts™ • Summa Network™  |   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;  Redemption Program Terms;  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 Qix Credits™, the Redemption Program Terms control over the Service Agreement.

Qixit™ and 2WayMicropay™ are components of the Qix™ suite of services (collectively, the “Qixit Service”) provided by Qix Information Technologies LLC, a Florida limited liability company (“Qixit,” “us,” or “we”). The Qix™ suite encompasses patented technologies for the electronic transmission of user-generated information, promotional credits, and the exchange of merchandise, services, and marketing information via our proprietary network.

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.

This Qixit Service Agreement (“Service Agreement”) sets forth the terms and conditions for use of the Qixit Service and is a legally binding contract between you and Qixit. Your use of the Qixit website is also governed by our Terms of Use. Your use of the Qixit client software is governed by our Software License. The collection and use of your personal information is governed by our Privacy Policy. Cash conversion of Qix Credits™ is governed exclusively by the Redemption Program Terms. The Redemption Program Terms control over this Service Agreement with respect to cash conversion.

IMPORTANT: BY CREATING A QIXIT ACCOUNT AND/OR SENDING OR RECEIVING A QIXIT MESSAGE WITH OR WITHOUT A CREDIT TRANSACTION, YOU AGREE TO THIS SERVICE AGREEMENT AND ALL DOCUMENTS IN THE QIX™ LEGAL SUITE. IF YOU DO NOT AGREE, YOU ARE NOT AUTHORIZED TO USE THE QIXIT SERVICE.

ELIGIBILITY, INTERNATIONAL USE, AND REDEMPTION. YOU REPRESENT THAT YOU ARE AT LEAST 18 YEARS OLD, HAVE LEGAL CAPACITY TO ENTER THIS AGREEMENT, AND ARE NOT PROHIBITED BY APPLICABLE LAW FROM USING THE QIXIT SERVICE. AN ELIGIBLE PARENT OR LEGAL GUARDIAN MAY ESTABLISH AN AUTHORIZED MINOR SUBACCOUNT UNDER THE SEPARATE RULES FOR PARENT-MANAGED ACCOUNTS; SUCH A SUBACCOUNT IS NOT AN INDEPENDENT ADULT ACCOUNT.

Qixit services are generally offered to eligible individuals and businesses worldwide, subject to applicable laws, sanctions, export controls, geographic restrictions, technical availability, and the eligibility requirements of each service or feature. Availability of a general Qixit Account does not mean that every transaction or feature is available in every country. Qixit may deny, suspend, restrict, or discontinue accounts, transactions, credits, advertising, or other services where reasonably necessary to comply with law or manage security and compliance risks.

ELIGIBILITY TO REGISTER, HOLD, EARN, SPEND, OR TRANSFER QIX CREDITS DOES NOT CONFER ELIGIBILITY TO REDEEM CREDITS FOR CASH. Cash redemption is a separate, optional, approved program governed by the Redemption Program Terms. During the present rollout, cash redemption is limited to users qualifying under the currently published Redemption Program requirements. Foreign-person cash redemption may be introduced later only after Qixit explicitly enables it for an approved jurisdiction and the user completes all applicable identity, tax-documentation, withholding, reporting, and payout requirements.

We may revise this Service Agreement at any time. When we do, we will (a) revise the “Last Updated” date, and (b) send a message to your Qixit address giving notice. Your continued use after such notice constitutes acceptance of the revised agreement.

THIS SERVICE AGREEMENT IS PROVIDED WITHOUT WARRANTY AND SUBJECT TO LIMITATIONS ON LIABILITY (SEE SECTIONS 13 AND 14). IT ALSO CONTAINS A MANDATORY ARBITRATION PROVISION AND CLASS ACTION WAIVER (SEE SECTION 17.3).

ELECTRONIC COMMUNICATIONS CONSENT: YOU CONSENT TO RECEIVE ALL DISCLOSURES, NOTICES, AND INFORMATION FROM US ELECTRONICALLY. YOU MAY REQUEST PAPER COPIES OR WITHDRAW THIS CONSENT BY CONTACTING QIXIT. QIXIT RESERVES THE RIGHT TO TERMINATE YOUR ACCOUNT IF YOU WITHDRAW ELECTRONIC COMMUNICATIONS CONSENT.

1. Registration, Account Issuance, Relationship and User Obligations

1.1 Registration

You are required to register with us to use the Qixit Service. You must provide true, accurate, current, and complete information including your name, date of birth, and address, and must promptly notify us of any changes. Use of false information will result in immediate account closure and forfeiture of any credits due. Please review our

Please review our Privacy Policy to understand how your information is collected and used. By registering, you consent to the practices described therein.

Independent Qixit Accounts are intended for adults aged 18 or older. A parent or legal guardian may establish a restricted subaccount for a minor as expressly permitted by Qixit. The adult remains the contractual Account holder responsible for the subaccount, subject to applicable law. A parent-managed subaccount is subject to additional restrictions on privacy, messaging, purchases, advertising, advertiser-sponsored reward claims, and cash redemption. Parent account controls and a parental-authority attestation do not by themselves constitute any verifiable parental consent required by children’s privacy laws. Qixit may withhold or disable functions involving a minor until any required safeguards and authorization are in place.

1.2 Account Issuance, Security and Single-Account Rule

1.2.1  Individual Consumer Accounts. If we issue an Account to you, we will provide a username and/or password. You are solely responsible for all Account activity and must maintain the confidentiality of your login credentials. Notify Qixit immediately of any unauthorized Account use or security breach.

Each natural person may maintain only one individual consumer account with Qixit unless Qixit expressly authorizes otherwise in writing. Individual consumer accounts are intended to represent a single human user for purposes of identity verification, fraud prevention, referral tracking, advertising rewards, redemption eligibility, and platform integrity.

You may not register, operate, control, or benefit from more than one individual consumer account, whether directly, through a household or family member, through an alias, through a business entity, or through any third party acting on your behalf. Registering or operating more than one individual consumer account, except as expressly permitted under this Agreement, is a material breach of this Service Agreement.

1.2.2 Aliases, Profiles, and Public-Facing Identities. Individual consumer accounts and approved business accounts may each support multiple aliases, profiles, display names, handles, public identities, private identities, brand identities, creator identities, or other market-facing identities, as permitted by Qixit.

An alias or profile is not a separate Account. Each alias or profile remains associated internally with the same underlying Account GUID, verified user identity, Qix Credits account, transaction ledger, referral records, compliance records, and fraud-prevention records applicable to the Account under which it was created.

Aliases and profiles may appear to other users, customers, advertisers, publishers, creators, or third parties as separate public-facing identities. Qixit is not required to disclose to third parties that two or more aliases, profiles, display names, or market identities are controlled by the same underlying user or business account, except as required by law, court order, regulatory process, payment rules, tax obligations, fraud prevention, platform safety, or Qixit policy.

Aliases and profiles may be used to manage privacy, personal identities, professional identities, creator identities, business brands, publishing identities, advertiser identities, charity identities, association identities, loyalty-program identities, or other lawful market identities. However, aliases and profiles may not be used to evade the one-individual-consumer-account rule, create duplicate referral identities, manipulate Tier 1 or Tier 2 referral attribution, harvest advertising rewards, conceal fraud, avoid compliance obligations, mislead Qixit, impersonate another person, or engage in unlawful, deceptive, abusive, or prohibited conduct.

Because aliases and profiles are not separate Accounts, they do not create separate Qix Credits accounts, separate redemption eligibility, separate referral eligibility, separate consumer identities, separate user verification status, or separate commission rights unless Qixit expressly provides otherwise in writing.

1.2.3 Business Accounts and Market Identities. A natural person may create, control, or be associated with multiple Company-approved business accounts, vendor accounts, creator accounts, publisher accounts, advertiser accounts, charity accounts, association accounts, loyalty-program accounts, or other organizational accounts. Each approved business account may have its own account identifier, GUID, username, display name, brand identity, market identity, payment links, payout links, content links, advertising activity, reporting, and business profile.

Approved business accounts are paid or credentialed business-service accounts and are distinct from individual consumer accounts. Maintaining multiple Company-approved business accounts does not violate the one-individual-consumer-account rule and does not, by itself, disqualify a user from participating in the Qixit Redemption Program. Business accounts are the proper way to manage separate businesses, brands, aliases, creator identities, publishing identities, advertiser identities, charity identities, association identities, loyalty-program identities, or other lawful market identities.

Qixit may require any individual or business account to complete identity verification, business verification, beneficial-owner review, tax documentation, fraud review, compliance review, or other verification before receiving payments, redeeming Qix Credits, operating as a Vendor, using business-account features, or participating in the Redemption Program.

1.2.4 Temporary Test Accounts. Qixit does not object to users participating in our referral program to creating up to three temporary individual test accounts solely for the limited purpose of verifying that referral-code tracking and Tier 1 or Tier 2 reporting are functioning properly, provided that such accounts are not used to earn, harvest, redeem, transfer, or retain advertising rewards, referral credits, Qix Credits, payout-link proceeds, consumer benefits, or commissions. Any such test accounts must be deleted, deactivated, or identified to Qixit as test accounts promptly after testing is complete.

You may not use temporary test accounts, duplicate accounts, business accounts, aliases, related-party accounts, household accounts, employee accounts, contractor accounts, bot accounts, artificial traffic, or coordinated account activity to generate advertising rewards, referral commissions, payout credits, Tier 1 credits, Tier 2 credits, business commissions, or other compensation not based on bona fide third-party platform activity.

In the event Qixit determines, in its reasonable discretion, that you have registered or operated more than one individual consumer account in violation of this Agreement, or have used any account structure to “milk” advertising dollars, harvest Qix Credits, manipulate referral attribution, create artificial Tier 1 or Tier 2 commissions, or double-dip on advertising rewards and referral commissions, Qixit reserves the right to: (a) immediately suspend or terminate all associated Accounts; (b) forfeit and void any and all Delivery Charges, advertising credits, platform credits, referral commissions, redemptions, or other amounts accrued across any associated Accounts, whether or not yet disbursed; (c) claw back any amounts already paid or redeemed; (d) permanently bar you from registering a new individual consumer account; (e) suspend, terminate, or restrict any business accounts you control; (f) disqualify you from the Redemption Program; and (g) pursue any other remedies available under this Agreement, Qixit policies, or applicable law.

Qixit may use technical means — including device identifiers, IP address analysis, browser fingerprinting, account-linkage analysis, transaction-pattern analysis, referral-pattern analysis, and behavioral signals — to detect duplicate accounts, prohibited self-referrals, artificial traffic, payout-link harvesting, account farming, and other abuse. By creating or using an Account, you consent to such monitoring.

1.3 Relationship of the Parties

Qixit is a platform provider only. Qixit is not a party to any transaction between users, is not an employer of any user, and does not endorse, warrant, or assume responsibility for any Goods, services, or content provided by Vendors or other users through the platform.

You and Qixit are independent contracting parties. This Agreement does not create any agency, employer-employee, partnership, joint venture, fiduciary, or similar relationship. As a Qixit user, you are both: (a) an independent Vendor who may sell your own time, interest, goodwill, access, tangible goods, or services (“Goods”) to other Qixit users; and (b) a consumer of Goods offered by other Vendors. You are solely responsible for the promotion, delivery, and quality of your Goods and any Goods you purchase.

As an independent contracting party, you agree that:

• You are not authorized to make any warranty or representation on behalf of Qixit
• You shall not represent to anyone that you are an agent of Qixit
• You will not obligate or attempt to obligate Qixit in any manner
• You are solely responsible for reporting and paying all applicable taxes on your earnings
• You are solely responsible for all employment-related tax obligations for your employees, contractors, or agents
• You are responsible for obtaining all licenses and permits required for your business and agree to indemnify Qixit for costs resulting from your violation of applicable law

1.4 User Obligations

You are solely responsible for: (a) providing your own internet access; and (b) maintaining your own copies of messages, data, and files sent or received via the Qixit Service. Qixit is not responsible for maintaining copies of such content beyond the record of your Account balance as required by applicable law.

2. Nature of Qix Credits™ — Not a Financial Account

2.1 Points-Based System; No Fiat Currency

The Qixit Service operates a proprietary points-based reward and exchange platform. Your Qixit account is NOT a bank account, deposit account, prepaid payment account, stored-value account, money services account, or financial account of any kind. Qixit is not a bank, money transmitter, payment institution, or financial services provider under this Service Agreement.

All account balances are expressed as points denominated in U.S. dollars and cents solely as a display convention. This denomination does not represent, and shall not be construed to represent, the holding of fiat currency, legal tender, or any monetary instrument on your behalf.

NO FIAT CURRENCY IS HELD IN YOUR QIXIT ACCOUNT. QIX CREDITS ARE PLATFORM POINTS WITH NO GUARANTEED CASH VALUE EXCEPT AS EXPRESSLY PROVIDED UNDER THE REDEMPTION PROGRAM TERMS. YOUR QIXIT ACCOUNT BALANCE IS NOT INSURED BY THE FDIC, THE NCUA, OR ANY OTHER GOVERNMENTAL AGENCY.

2.2 Redemption Conditions — Platform Use (Default)

For users who have NOT enrolled in the Qixit Redemption Program, Qix Credits™ are redeemable only for Goods and services offered by participating Vendors within the Qixit platform, and may be transferred to other Qixit users, subject to the restrictions of this Service Agreement. Such credits have no cash value and may not be exchanged for legal tender, currency, or any cash-equivalent instrument. This closed-loop redemption structure is the default and applies to the vast majority of Qixit users.

Cash conversion is a separate, opt-in service limited to credits and participants approved under the Redemption Program Terms. Every applicant seeking a cash disbursement must submit a completed, signed, current tax-status certification appropriate to that applicant, regardless of the amount requested or any IRS information-reporting threshold. U.S. tax persons must provide Form W-9; foreign persons must provide the applicable Form W-8 or other documentation appropriate to their status and payment. Participation also requires identity verification, any legally required withholding and reporting, an approved payment destination, and express Qixit enrollment. Foreign-person cash conversion remains unavailable until Qixit activates a compliant foreign-redemption process. The Redemption Program Terms exclusively govern eligibility and disbursement requirements.

2.3 Platform Credits — General Exchange

Standard Qixit platform credits (“Qix Credits” or “Qixit Credits” or “Credits”) may generally be used and exchanged for Goods and services offered by any participating Vendor within the Qixit platform, and may be transferred to other participating Qixit users, subject to the restrictions set forth in this Service Agreement.

2.4 Vendor-Issued Credits — Restricted Redemption

Individual Vendors may issue their own promotional credits, reward points, or incentive credits (“Vendor Credits”) through the Qixit platform. Vendor Credits differ from standard Qix Credits™ as follows:

• Vendor Credits are redeemable ONLY with the issuing Vendor and may not be used for purchases from other Vendors, transferred to other users, or redeemed for cash under any program
• Vendor Credits may carry an expiration date set by the issuing Vendor, after which they become void and have no value
• Vendor Credits may be revoked or cancelled by the issuing Vendor at any time, including upon termination of the Vendor’s participation in the Qixit platform, subject to applicable law
• Vendor Credits are subject to any additional terms established by the issuing Vendor, which will be disclosed at the time of issuance
• Qixit is not responsible for the availability, terms, revocation, or expiration of Vendor Credits; all disputes regarding Vendor Credits must be resolved directly with the issuing Vendor

The type of credit received (standard Qixit Credit or Vendor Credit) and any applicable restrictions will be identified in your account and/or the transaction record. You are responsible for reviewing the terms applicable to each credit type before attempting to redeem them.

2.5 No Property Rights; No Interest

For users not enrolled in the Redemption Program: Credits in your Qixit account do not constitute property, funds, or assets held in trust for you. Qixit does not pay interest on any account balance. Credits have no cash value upon termination of your Account. Qixit reserves the right to modify, limit, or discontinue the credits program at any time upon notice.

For users enrolled in the Redemption Program: The foregoing applies to all credits except those expressly approved for cash conversion under the Redemption Program Terms. Credits approved for conversion and held pending disbursement are governed exclusively by the Redemption Program Terms. Enrollment in the Redemption Program does not convert the entire credit balance to cash — only credits expressly approved for conversion in a given payment period are treated as having cash-conversion value.

2.6 Purchased Communication Credits

Communication credits purchased by you (see Section 8.2) are non-refundable and may not be withdrawn as cash or converted under the Redemption Program. Purchased communication credits may only be used within the Qixit platform to send messages and conduct permitted transactions. This policy prevents use of the Qixit platform as a mechanism for obtaining a cash advance on a credit card or other payment instrument.

3. License Grant, Restrictions and Service Modifications

3.1 License Grant

Subject to this Agreement, the Terms of Use, and applicable Software License, Qixit grants eligible participants a limited, revocable, nonexclusive, nontransferable right to use supported Qixit services in authorized jurisdictions for permitted activities, including secure messaging, purchase and payout hyperlinks, platform credit transactions, merchant and creator services, and, where specifically approved, advertising through the Qix Ad Network. Commercial advertising or Publisher activity is authorized only within the approved Qixit tools and subject to Section 5.5.

You agree to comply with all applicable U.S. and international laws, regulations, and guidelines, including all federal and state laws governing electronic and email marketing.

3.2 General Restrictions

You agree not to:

• Use the Qixit Service for any unlawful purpose or any activities relating to gambling, prostitution, pornography, or other prohibited activity
• License, sublicense, sell, resell, rent, lease, transfer, assign, or otherwise commercially exploit the Qixit Service except as expressly authorized for approved Vendor, Creator, Advertiser, Publisher, or other commercial services under this Agreement
• Attempt to gain unauthorized access to the Qixit Service or bypass any access-control measures
• Use the Qixit Service to build a competitive product or service, or copy any features or functions of the Qixit Service
• Reverse engineer, translate, disassemble, decompile, copy, or create derivative works based on the Qixit Service
• Take any action that jeopardizes Qixit’s or its suppliers’ proprietary rights
• Impair, interfere with, or disrupt the integrity or performance of the Qixit Service
• Scrape, mine, or systematically collect data from the Qixit Service by automated means

3.3 Restricted Transmissions

You agree not to use the Qixit Service to transmit material that is false, misleading, fraudulent, defamatory, harassing, obscene, pornographic, infringing of third-party rights, in violation of applicable securities laws, or that contains malware or harmful code. You also agree not to use the Service for gambling-related payments, unauthorized cash advances, or any purpose that would create liability for Qixit.

3.3A Advertiser Liability; Hold Harmless. If you use the Qixit Service to send commercial messages as an Approved Advertiser or otherwise, you are solely responsible for the content, accuracy, and legal compliance of all messages you send, including compliance with the CAN-SPAM Act, the Telephone Consumer Protection Act (TCPA), the FTC Act, and all applicable state and federal advertising, marketing, and consumer protection laws. Qixit’s role is limited to facilitating message delivery and does not constitute endorsement, review, or approval of your message content. You agree to defend, indemnify, and hold harmless Qixit from any and all claims, regulatory actions, fines, penalties, and expenses (including attorneys’ fees) arising from the content or legality of messages you send through the Qixit platform, including any claim by a message recipient, a competitor, or any regulatory authority.

3.4 Service Modifications and Maintenance

Qixit may modify, suspend, disable, discontinue, or restrict any portion of the Qixit Service at any time for any reason, with or without notice, including hours of operation, features, suppliers, access procedures, and software commands.

3.5 Data Retention

Qixit is not responsible for maintaining copies of messages, emails, data, or files sent or received via the Qixit Service, beyond the record of Account balances as required by applicable law. You are solely responsible for maintaining your own records.

4. Delivery Charges and Service Fees

4.1 User-Collected Delivery Charges

4.1.1 Delivery Charges Generally

You may configure the Qixit Service to require predetermined Delivery Charges for accepting Messages from other Qixit users. Messages are only delivered if the sender has authorized the applicable Delivery Charge. If insufficient payment is authorized, the Message is blocked and the sender receives a bounce-back notice. You may designate Delivery Charges by advertiser category, user group, or specific Qixit address.

4.1.2 Default Delivery Charges for Individual Users

A Default Delivery Charge applies to messages from any individual Qixit user unless you set a specific charge for that user in your address book. You may modify individual Delivery Charges at any time.

4.1.3 Approved Advertiser Messages

You agree to accept messages from Approved Advertisers (bulk senders accepted by Qixit) with Delivery Charges credited to your Account. Messages are classified by commercial category and you may generally set per-category Delivery Charges. During the ongoing Qixit Beta period, we may restrict modifications to commercial category Delivery Charges for the first 30 days after account activation. For up to one month after account creation, you may receive non-blockable “Welcome Messages” from Approved Advertisers. You may always receive messages from Qixit regarding the Qixit Service without charge.

4.2 Transaction Fees

4.2.1 General

The Transaction Fee is calculated as a percentage of the Delivery Charge and/or credit transferred, as set forth in the Qixit Service Fee Schedule. You agree to pay all applicable fees and taxes. Unpaid amounts may accrue late charges at 1.5% per month (or the maximum rate permitted by law). All fees are non-refundable and are generally deducted at the time of the associated transaction.

4.2.2 Fee Increases

Qixit may increase fees by providing at least fourteen (14) days’ prior written notice before the effective date of any increase.

4.2.3 Advertiser Payment of Fees

If a sender or Approved Advertiser pays the Transaction Fee for a message delivered to your Account, you will not be charged a Transaction Fee for that message.

5. Sending and Receiving Credits and Referral Commissions

5.1 Sending Credits

5.1.1 General

You may use the Qixit Service to transfer Qix Credits to any other Qixit user with a valid Account. All such transfers are subject to the nature and restrictions of the credit type being transferred, as described in Section 2.

5.1.2 Sending Limits

You may only transfer Qix Credits™ up to the total available transferable credit balance in your Account. Vendor Credits (Section 2.4) are not transferable to other users. Qixit may limit transfer amounts based on fraud-prevention factors including account age and transaction history.

5.1.3 Refused Transactions

Recipients are not required to accept Qixit Credit transfers. A recipient may return credits or block transfers from your address. Undelivered credits will be returned to your Account upon: (a) your cancellation; (b) expiration of a delivery time limit; (c) delivery failure; or (d) notice that the recipient has blocked your address.

5.2 Receiving Credits

5.2.1 Receiving Limits

Qixit may limit the amount of credits that can be transferred into your Account based on fraud-prevention factors including account age and transaction history.

5.2.2 Risk of Reversal

Receiving credits does not protect you against a subsequent reversal. Reversals may occur if a buyer files a chargeback with their credit card company or bank. If a transaction is reversed, you are responsible for the reversed amount plus applicable fees. If insufficient credits are in your Account to cover the reversal, you agree to reimburse Qixit through other means.

5.2.3 Returns and Refunds

Qixit may, at its sole discretion, approve a return and refund in response to a buyer’s dispute up to ninety (90) days after a sale. In such cases, the buyer’s account will be credited and amounts credited to your account will be reversed. Any purchase revoked by a buyer’s bank or credit card may also result in chargeback fees per the Qixit Fee Schedule.

5.2.4 Compensation

Qixit shall retain the percentages and charges set forth in the Qixit Fee Schedule. Unpaid amounts accrue late charges at 1.5% per month (or the maximum rate permitted by law). All fees are non-refundable and are generally deducted from your account balance.

5.3 Referral Commissions

5.3.1 Availability

Qixit currently offers a two-tier Consumer Standard referral commission program to qualifying users. Referral commissions are earned as Qix Credits™ and are credited to the referring user’s Qixit Account. Referral commissions are not cash payments for creating an Account and are not guaranteed.

Cash conversion, if available to a particular user, is a separate opt-in service governed exclusively by the Redemption Program Terms.

5.3.2 Qualifying Referrals

A Tier 1 Referral is a new individual Qixit consumer user who: (a) creates an individual consumer Account using your valid referral code or a properly attributed referral link; (b) satisfies all Qixit eligibility requirements applicable at the time of registration; and (c) does not already have, and has not previously had, an individual consumer Account, except for a temporary test account permitted under Section 1.2 and not used to earn or retain credits.

A Tier 2 Referral is a new individual Qixit consumer user who qualifies as a Tier 1 Referral of one of your qualifying Tier 1 Referrals.

No referral tiers beyond Tier 2 generate Consumer Standard referral commissions.

Approved business accounts, vendor accounts, creator accounts, publisher accounts, advertiser accounts, charity accounts, association accounts, loyalty-program accounts, or other organizational accounts linked to a verified human user are not treated as duplicate individual consumer accounts solely because the same human user controls them. Such business accounts do not, by themselves, disqualify that person from redemption eligibility or referral eligibility. However, business accounts do not create additional individual consumer referral identities and may not be used to evade the one-individual-consumer-account rule.

Referral commissions are not earned merely because a referred user creates an Account. Commissions are earned only from qualifying advertising revenue attributable to the referred user’s qualifying activity as described in Section 5.3.5.

Duplicate, fraudulent, self-referred, fictitious, improperly attributed, temporary test, artificial, account-farmed, or otherwise non-qualifying individual consumer Accounts do not generate referral commissions. See Section 1.2 regarding the one-individual-consumer-account requirement, approved business accounts, temporary test accounts, and prohibited account abuse. Any commissions credited in connection with a non-qualifying referral may be reversed, forfeited, or charged back.

5.3.3 Referral Attribution and Tracking

When someone uses a link containing your referral code, Qixit may use cookies, referral parameters, account records, or other tracking methods to associate the new Account with your referral.

If referral information is deleted, altered, overwritten, blocked, or incorrectly entered before registration is completed, Qixit may be unable to attribute the referral to you. Qixit’s account and referral records will control in determining referral attribution.

5.3.4 Referral Notices and Commission Credits

Qixit may provide notices when qualifying Tier 1 or Tier 2 Accounts are created and may provide periodic notices or account reports showing referral commissions credited.

Tier 1 Referral Audit Access. Qixit may provide qualifying Tier 1 referrers with access to limited information regarding their directly referred users, including the standard email address associated with each referred Account, registration status, attribution information, and applicable commission records. This information may be displayed within Qixit’s reporting interface and made available for download solely to permit verification of referral attribution and auditing of referral commissions.

Referral audit information is provided for accounting and verification purposes only. The recipient acquires no ownership interest in this information and no authorization to contact referred users directly using the disclosed email addresses or other identifying information.

All communications initiated through Qixit remain subject to Qixit’s messaging procedures and the recipient’s applicable message delivery charges, privacy settings, and communication preferences.

Qixit may limit, suspend, or revoke access to referral audit information when necessary to enforce these restrictions or comply with applicable law.

Referral commissions are credited to your Qixit Account as Qix Credits™. They are platform credits and are not wages, cash, legal tender, or an immediate cash payment.

Referral commission Credits may be spent or transferred as permitted under this Service Agreement. Conversion of eligible referral commission Credits to cash is available only to users who separately qualify for and enroll in the Redemption Program and satisfy all applicable identity-verification, tax, minimum-balance, compliance, fee, and other requirements contained in the Redemption Program Terms.

5.3.5 Consumer Standard Commission Schedule

Under the Consumer Standard referral program:

Tier 1: You may earn a commission equal to 10% of Qualifying Advertising Revenue attributable to each qualifying Tier 1 Referral for up to twenty-four (24) months following creation of that referred Account, subject to a maximum cumulative Tier 1 commission of $20.00 in Qix Credits per referred user.

Tier 2: You may earn a commission equal to 5% of Qualifying Advertising Revenue attributable to each qualifying Tier 2 Referral for up to twenty-four (24) months following creation of that Tier 2 Account, subject to a maximum cumulative Tier 2 commission of $10.00 in Qix Credits per referred user.

For purposes of this Section, “Qualifying Advertising Revenue” means advertising or sponsor revenue actually received and recognized by Qixit and attributed by Qixit’s records to qualifying advertising activity associated with the referred user, excluding refunds, reversals, chargebacks, taxes, fraudulent activity, unpaid amounts, promotional amounts funded by Qixit, and other amounts not actually received or retained as advertising revenue.

The $20 Tier 1 amount and $10 Tier 2 amount are maximum cumulative commission caps, not fixed payments or signup bonuses. A referral may generate substantially less than the applicable maximum, or no commission at all, depending upon advertising demand, user activity, advertiser targeting, and other factors described in the Earnings Disclaimer.

A referral’s commission period ends upon the earlier of: (a) expiration of the applicable twenty-four-month period; or (b) payment of the applicable cumulative maximum.

5.3.6 Affiliate and Referral Marketing Requirements

If you publicly promote Qixit, 2WayMicropay, or any Qix™ service using a referral code or link from which you may receive compensation, you must clearly and conspicuously disclose that you may receive referral compensation.

You may not make false or misleading statements regarding Qixit, expected earnings, Qix Credits, the Referral Program, or the Redemption Program. In particular, you may not state or imply that Qixit pays an immediate $20 or $10 cash bounty for each new Account.

All referral marketing must comply with applicable advertising, endorsement, email, privacy, consumer-protection, and anti-spam laws and regulations.

Restrictions on Use of Referral Contact Information. Access to email addresses or other identifying information through referral reporting features is granted exclusively for auditing referral attribution and commission records. Such access does not constitute consent or authorization to contact referred users outside Qixit’s messaging system.

Referrers may not use this information for email solicitations, marketing campaigns, independent communications, mailing-list development, resale, publication, or disclosure to unauthorized third parties.

Referrers wishing to communicate with referred users through Qixit must comply with all applicable Qixit message delivery charges, privacy settings, and communication preferences. Misuse of referral information constitutes a violation of this Agreement and may result in suspension or termination of referral reporting access or Referral Program participation.

5.3.7 Program Changes; Suspension; Reversals

Qixit may modify, suspend, or discontinue the Referral Program or its commission schedule prospectively upon notice as provided in this Service Agreement. Unless otherwise required because of fraud, illegality, chargeback, duplicate Accounts, or violation of these terms, commissions validly accrued before the effective date of a prospective program change will remain credited subject to the terms governing those commissions when accrued.

5.3.8 Referral Testing; Prohibited Self-Referral and Account Abuse

Qixit may permit approved referral participants, Vendors, affiliates, or Strategic Partners to create up to three temporary test accounts solely to verify that referral-code tracking, Tier 1 reporting, or Tier 2 reporting is functioning properly. Temporary test accounts must not be used to earn, harvest, redeem, transfer, or retain Qix Credits, advertising rewards, referral commissions, Delivery Charges, payout-link proceeds, or any other benefit.

Any temporary test account must be deleted, deactivated, or identified to Qixit as a test account promptly after testing is complete. Qixit may reverse or void any credits, commissions, rewards, or account activity associated with a temporary test account.

Use of duplicate accounts, temporary test accounts, business accounts, aliases, related-party accounts, household accounts, employee accounts, contractor accounts, bot accounts, artificial traffic, coordinated account activity, or any other account structure to generate artificial advertising rewards, referral commissions, payout credits, Tier 1 credits, Tier 2 credits, business commissions, or other compensation is prohibited.

Such conduct constitutes material breach and fraud or abuse under this Agreement and may result in forfeiture of all related credits, referral commissions, advertising rewards, redemptions, business-account privileges, and any other amounts, and may result in suspension, termination, permanent platform removal, Redemption Program disqualification, and any other remedy available to Qixit.

5.4 De Minimis Transaction Waiver — Payment Hyperlinks and Small Credit Transfers.

5.4.1 Scope. This Section 5.4 applies to all Qixit Credit transfers, PayMail™ payment hyperlinks, 2WayMicropay™ purchase or payment links, and any other transaction initiated through or by the Qixit platform (collectively, “Micro-Transactions”) where the Credit value of the individual transaction is less than five U.S. dollars ($5.00) (the “De Minimis Threshold”).

Notwithstanding the foregoing, the waiver and micro-transaction remedy rules in Section 5.4 do not determine the accounting, reconciliation, refunds, reversal procedures, or legally required remedies for advertiser media charges, Publisher media compensation, or Publisher claim-share under Section 5.5, even when an individual advertising event is valued below five U.S. dollars. Section 5.5 governs those commercial matters, subject to applicable law.

5.4.2 Absolute Waiver of Liability for Micro-Transactions. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, QIXIT SHALL HAVE NO LIABILITY WHATSOEVER, AND YOU HEREBY IRREVOCABLY WAIVE AND RELEASE ALL CLAIMS AGAINST QIXIT, FOR ANY FAILED, INCOMPLETE, DELAYED, DUPLICATED, OR MISDIRECTED MICRO-TRANSACTION, REGARDLESS OF THE CAUSE, INCLUDING BUT NOT LIMITED TO: (a) TECHNICAL OR SYSTEM FAILURE; (b) NETWORK INTERRUPTION OR CONNECTIVITY LOSS; (c) BROWSER OR CLIENT SOFTWARE INCOMPATIBILITY; (d) HYPERLINK EXPIRATION OR INVALIDATION; (e) PAYMENT PROCESSOR ERROR; (f) RECIPIENT ACCOUNT CLOSURE OR INELIGIBILITY; (g) PLATFORM MAINTENANCE OR DOWNTIME; (h) ACTS OF GOD, CYBERATTACKS, OR OTHER FORCE MAJEURE EVENTS; OR (i) ANY OTHER CAUSE, WHETHER OR NOT WITHIN QIXIT’S CONTROL AND WHETHER OR NOT QIXIT WAS ADVISED OF THE POSSIBILITY OF SUCH FAILURE. THIS WAIVER APPLIES REGARDLESS OF THE LEGAL THEORY UNDER WHICH ANY CLAIM IS ASSERTED, INCLUDING CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE.

5.4.3 No Refunds for Micro-Transactions. No refund, credit adjustment, or other remedy shall be available for any failed or incomplete Micro-Transaction. This no-refund policy applies regardless of the reason for the failure and regardless of whether the failure was caused by Qixit, a third-party processor, a network provider, or any other party. You acknowledge that the administrative cost of processing a refund for a Micro-Transaction would in most cases exceed the value of the transaction itself, and that this no-refund policy is a material term of this Service Agreement that you have knowingly and voluntarily accepted.

5.4.4 Account Credit Remedy for Transactions Between $1.00 and $5.00. Notwithstanding Section 5.4.3, if a Micro-Transaction with a Credit value between one U.S. dollar ($1.00) and five U.S. dollars ($5.00) fails, is incomplete, or is not delivered, and you report the failure to Qixit within thirty (30) days of the attempted transaction with sufficient detail to identify the transaction (including the date, approximate time, Credit amount, and recipient Qixit address), Qixit may, in its sole and absolute discretion, issue a Credit adjustment to your Account in the amount of the failed Micro-Transaction. Any such Credit adjustment is Qixit’s sole and exclusive remedy obligation for a failed Micro-Transaction in this range and does not constitute cash, does not entitle you to a cash refund, and shall not be treated as an admission of liability. Qixit’s decision whether to issue a Credit adjustment is final and not subject to appeal or arbitration. Micro-Transactions under one U.S. dollar ($1.00) are not eligible for Credit adjustment under any circumstances.

5.4.5 Carve-Out from Processing Error Liability. Section 9.4 of this Service Agreement (Qixit Liability for Processing Errors) does not apply to Micro-Transactions. The liability and remedy provisions of this Section 5.4 exclusively govern all failed or incomplete Micro-Transactions regardless of cause.

5.4.6 User Acknowledgment. By initiating any Micro-Transaction or by clicking any payment hyperlink with a Credit value below the De Minimis Threshold, you affirmatively acknowledge that: (a) Micro-Transactions may fail for technical or other reasons beyond Qixit’s control; (b) you have read and understood this Section 5.4; (c) the De Minimis Threshold and no-refund policy are material terms of this Service Agreement; and (d) the absence of refund rights for Micro-Transactions is reflected in the low cost and accessibility of the Qixit platform and the transaction fees charged.

5.4.7  User Report of Transaction Failures. To assist in reduction of any transaction errors, including those below the De Minimis Threshold, you are encouraged to report any such errors through the Qix Mailbox support tab.

5.4.8 Adjustment of De Minimis Threshold. Qixit reserves the right to adjust the De Minimis Threshold upon thirty (30) days’ notice to users. Any adjustment applies prospectively only and does not affect transactions initiated prior to the effective date of the adjustment.

5.5 Qix Ad Network — Advertiser and Publisher Participation

5.5.1 Scope and Definitions. Qixit operates an advertising service (the “Qix Ad Network”) through which approved Advertisers establish campaigns and Creatives, approved Publishers offer registered website advertising Placements, and Visitors may interact with advertisements or claim qualifying rewards. “Advertiser” means a user or business authorized to establish campaigns; “Publisher” means a user or business authorized to display Qix ads on a registered digital property; “Creative” means an advertisement and its associated offers and landing pages; “Placement” means an authorized advertising unit; and “Visitor” includes a person who views or interacts with an advertisement without holding a Qixit Account. The advertising service is distinct from paid messages delivered to Qixit Mailboxes, and participation does not itself entitle any person to cash redemption.

5.5.2 Eligibility, Geographic Limits, and Sanctions. Advertisers and Publishers must maintain approved business/Vendor credentials where required, provide accurate identity and website information, and have lawful authority to act for their businesses. Qixit may request business and beneficial-ownership information needed for verification or legal compliance. Ad serving and sponsored reward claims are limited to locations included in Qixit’s current advertising country allowlist; the default authorized serving country is the United States. Requests from unknown, unsupported, or prohibited locations may be denied. Qixit may screen participants and transactions against applicable sanctions and restricted-party information and may pause affected commercial transactions during a credible unresolved match review, subject to law. A user’s ability to maintain a general Qixit Account does not establish Ad Network eligibility or cash-redemption eligibility.

5.5.3 Publisher Audience Classification. Each Publisher must accurately identify the audience of each registered site or property as General Audience, Mixed Audience, Child-Directed, or Unverified, according to Qixit’s instructions. During Phase 1, Qix ads are served only on eligible General Audience properties. Mixed Audience, Child-Directed, and Unverified properties are not eligible for advertising delivery; Admin flags or preliminary approvals do not make those properties eligible in Phase 1. Incidental visits by minors do not automatically make an otherwise general-audience website Mixed Audience under applicable law. Qixit may use automated content assessment and human review. A conflicting or uncertain assessment may result in a hold until satisfactorily reviewed. An automated recommendation is not itself an approval.

5.5.4 Advertiser Representations and Creative Review. Advertisers are responsible for all Creatives, offers, claims, products, subscription conditions, landing pages, and required disclosures. Each Advertiser represents that its advertisements and landing pages are accurate, lawful, appropriately substantiated, not misleading, and compliant with applicable consumer-protection, advertising, privacy, intellectual-property, and regulated-product requirements. Advertisers shall clearly identify material prices, limitations, sponsorships, endorsements, and other disclosures required by law. Advertisers may not use misleading redirects, cloaking, impersonation, malware, unlicensed third-party material, or false reward promises. Qixit may use automated and human review, may hold child-appealing or sensitive offers for human review, and may reject, suspend, or remove material. Acceptance or publication by Qixit does not constitute legal clearance or Qixit’s endorsement.

5.5.5 Prohibited Advertising and Brand Suitability. Illegal, fraudulent, deceptive, malicious, infringing, or otherwise prohibited ads and placements are not permitted. Restricted or age-sensitive subjects may require accurate product/content classification and additional review; Qixit may disallow individual categories entirely. Advertisers and Publishers must provide good-faith, accurate content/category/sensitivity descriptions and may not misclassify material to evade filters. The Ad Network applies mandatory advertiser exclusions for Publisher sensitivity classifications S03 (sexual or adult subject matter) and S10 (hate, extremism, or discrimination). Other available category and sensitivity controls depend on current network settings and are not a guarantee of error-free adjacency. Participants must obey Qixit’s current published in-product classification and technical rules. No advertising or referral promotion may falsely imply guaranteed income or Qixit endorsement.

5.5.6 Publisher Site and Placement Obligations. Publishers warrant that they are authorized to operate and monetize each registered property and must provide truthful ownership, host, category, and audience information. Publishers must use only approved ad code, public Placement identifiers, and technical configurations; they must not publish private credentials in website source code. Publishers may not hide or shrink units so they are deceptively non-viewable, force clicks, fabricate traffic, place misleading controls around advertisements, initiate automated reward claims, run malware or phishing, or misrepresent the origin or nature of traffic. Publishers must identify advertisements clearly wherever required and maintain their own legally appropriate site disclosures. Qixit may deny placements, withhold provisional earnings, or suspend inventory for legitimate fraud, security, eligibility, or policy concerns.

5.5.7 Publisher-Provided Advertising Consent. Publishers are responsible for obtaining all legally required visitor permissions for advertising technology on their sites and transmitting accurate consent signals through Qixit’s supported integration. Qixit does not provide a general-purpose publisher consent-management platform. Nonessential advertising requests and related SDK processing require an affirmative consent signal. The SDK is designed not to initiate advertising requests before receiving the required signal and to stop subsequent nonessential viewable/click events upon receipt of a consent withdrawal. These technical controls do not establish that a Publisher has obtained lawful consent and do not eliminate Qixit’s independent privacy obligations. Financial claim, payout, and settlement processing may involve separate necessary transactions and lawful grounds as explained in the Privacy Policy.

5.5.8 CPM and CPC Definitions. Campaigns may offer CPM (cost per thousand qualifying viewable impressions), CPC (cost per qualifying advertising claim-context event), or both. A qualifying CPM event requires Qixit’s software to measure at least 50% of the advertisement as within the browser viewport for one continuous second; the billed amount for one valid view equals the Advertiser’s CPM rate divided by 1,000. If the browser cannot perform the requisite visibility measurement, Qixit may record a nonbillable visibility_unverified diagnostic; no CPM charge or Publisher CPM credit is created for that fallback event. An advertisement being served alone is not a billable view.

For this implementation, CPC is not billed merely because a Visitor clicks. A CPC charge requires a valid, unused advertising claim-context token processed through the applicable PaymentFast claim flow and meeting its qualifying conditions. An ordinary click, or accessing a payout link without a valid ad claim context, does not independently create a CPC charge. CPC charges are based on the configured CPC rate, are validated for duplicate tokens and eligibility, and may be incurred in addition to a valid CPM charge on the same serve. A valid CPM event remains billable even if a later CPC claim fails.

5.5.9 Budgets, Reservations, and Measurement. Advertisers authorize Qixit to reserve and charge the configured amounts for qualifying CPM and/or CPC events, subject to available funds and configured campaign and daily budget limits. Qixit may use temporary reservations to avoid exceeding approved limits. Publisher/Advertiser dashboards and Qixit’s event and accounting records are the initial basis for reconciliation, subject to correction of demonstrable error and participant review. A Publisher is not entitled to compensation for rejected, duplicate, fraudulent, nonbillable, or otherwise invalid events. Qixit may hold suspicious activity under its risk controls.

5.5.10 Publisher Media Compensation. Subject to validation, risk controls, and settlement, Qixit credits the Publisher with 100% of valid billed Advertiser CPM and CPC media amounts at the rates established for the relevant Creative. No separate Qixit media take rate is currently deducted from those media amounts. This does not waive separately applicable platform, funding, Vendor Credit redemption, or cash-disbursement fees, if properly disclosed. Advertiser and Publisher accounts belonging to the same verified Vendor do not generate Publisher media compensation for the Vendor’s own advertisements. Advertising earnings may be credited through Qix Credits; the cash redemption of any eligible balance is governed solely by the Redemption Program Terms.

5.5.11 Separate Qixit-Funded Publisher Claim-Share. Qixit may offer qualifying Publishers an additional, configurable claim-share incentive funded from Qixit’s eligible platform-fee proceeds, separate from Advertiser-funded media CPM/CPC amounts. The effective Publisher rate may vary and is disclosed in the Publisher interface; it is not a permanent promised percentage. For qualifying claims paid in Qix Credits, claim-share may accrue when the qualifying reward claim is successfully processed. For qualifying Vendor Credit grants, claim-share may be recorded provisionally at issuance but becomes payable only upon qualifying redemption of the issued Vendor Credits, from available redemption-fee proceeds. Unused or expired Vendor Credits do not independently produce payable claim-share. Any relevant strategic-partner reserve and the applicable fee calculation are reflected in the effective program calculation. Qixit may prospectively modify or discontinue claim-share rates or availability, but may not retroactively cancel validly settled compensation solely because the program rate has changed.

5.5.12 Visitor Rewards and Vendor Credits. Advertisers may sponsor eligible visitor rewards denominated in standard Qix Credits or in Vendor Credits. Advertisers are responsible for funding and accurately disclosing reward terms, eligibility limits, repeat-claim limits, permitted uses, and lawful expiration conditions. Qix Credit rewards arise upon successful processing of qualifying PaymentFast claims under the applicable campaign rules; Vendor Credits arise upon valid grant and remain restricted to the issuing Vendor under Section 2.4. Vendor Credits do not become cash-redeemable because they are used in an advertising offer. Known minor accounts are not eligible for advertiser-sponsored reward claims in Phase 1. Rewards may be denied or adjusted for fraud, duplication, nonfulfillment, and other valid grounds disclosed in the applicable offer rules.

5.5.13 Risk Holds, Adjustments, and Disputes. Qixit may refuse invalid events, apply temporary risk holds, review suspected abuse or nonpayment, and make appropriate charge or earnings adjustments. A disputed charge or credit does not automatically become final merely because it appears on a dashboard. Billing questions may be submitted through Qixit Support; there is currently no self-service media billing dispute portal. Qixit will review reasonably available records and correct established billing errors through separately auditable adjustment entries rather than silently rewriting settled ledger records. Participants should report discrepancies promptly and in accordance with Section 9’s applicable notice periods. A valid and settled advertising charge is generally nonrefundable except for proven error, invalid activity, agreed refund terms, or rights required by law.

5.5.14 Privacy, Data, and Children. Ad Network technology processes limited technical information needed to serve ads, verify visitor permissions, measure events, enforce country and sanctions restrictions, detect fraud, and account for rewards and settlements, as further detailed in the Privacy Policy. Where a Visitor signs in through PaymentFast to claim a reward, Qixit may associate the advertising claim with the Visitor’s Qixit Account for fulfillment and anti-abuse purposes. During Phase 1, the Ad Network does not offer advertising inventory on Mixed Audience or Child-Directed sites, and known minor accounts cannot claim advertiser-sponsored rewards. The Ad Network is not an authorization to collect or disclose children’s personal information in violation of law.

5.5.15 Software, Branding, and Intellectual Property. Advertisers grant Qixit and participating Publishers a limited, nonexclusive license to display, reproduce, and technically adapt their submitted Creatives solely to deliver approved campaigns. Publishers grant Qixit the limited rights necessary to deliver, evaluate, and measure approved Placements. Qixit owns its advertising software, SDKs, plugins, overlays, measurement technology, trademarks, and related intellectual property. Advertisers and Publishers may use Qixit-provided advertising badges and brand indications only in their approved, unaltered form and may not use them to imply endorsement. The applicable Software License controls permitted implementation of the ad code.

5.5.16 Taxes and Cash Redemption. Advertisers, Publishers, and other participants are responsible for the taxes arising from their activities as determined under applicable law. Qixit may request legally necessary tax status, taxpayer identification, and reporting documentation. Credits awarded or earned through advertising may have tax consequences even where cash conversion is unavailable; a contract’s description of points does not determine their tax treatment. Accumulation of Qix Credits, Publisher earnings, or claim-share does not automatically establish eligibility to redeem Qix Credits for cash. The Redemption Program Terms control.

5.5.17 Commercial Changes and Legal Acceptance. Campaign prices, configured budgets, effective claim-share rates, and other active program rules are shown in the applicable business interface. Material changes to binding terms, privacy practices, and payment arrangements may require advance notice and renewed acceptance where law or Qixit policy requires it. Advertisers and Publishers must affirmatively accept the applicable full Service Agreement and Ad Network provisions before performing commercial actions for which such acceptance is required. Qixit may preserve the document text/version, content hash, role, vendor identity, accepting user, time, and associated Creative or Placement as audit evidence. Existing acceptance of different or shorter warranty statements does not itself evidence acceptance of materially different text.

5.5.18 Relationship to Other Terms; Allocation of Risk. This Section 5.5 supplements the general Service Agreement and governs specifically the Qix Ad Network. Cash conversion remains governed by the Redemption Program Terms, and the Privacy Policy governs disclosures of Qixit’s personal-data practices. The commercial accounting, adjustments, reconciliation, and amounts actually owed between Advertisers, Publishers, and Qixit under this Section are not extinguished by the general micro-transaction waiver in Section 5.4 or the general Site-access liability limitation in the Terms of Use. All other applicable warranty, liability, indemnity, dispute-resolution, and mandatory consumer rights remain governed by this Agreement and applicable law.

6. Electronic Transfers

6.1 ACH Bank Transfers

If you transfer funds from a bank or credit union account, this will be done electronically via the Automated Clearing House (“ACH”). By authorizing an ACH transfer, you authorize Qixit to make electronic transfers from your bank account in the amount specified, and you acknowledge that such authorization is irrevocable once submitted. Qixit may resubmit any returned ACH debit for collection. You may be charged a fee for returned ACH items.

We may require that your name, address, and other identifying information match the source account, and may require additional identification to set account limits or usage restrictions.

6.2 Funding Source Limitations

Qixit reserves the right to limit your available funding sources at any time and for any reason.

7. Unauthorized Electronic Fund Transfers

You are liable for any unauthorized electronic fund transfer to the fullest extent allowable under applicable federal and state law, including the Electronic Fund Transfer Act and Regulation E. You must notify Qixit immediately upon discovering any unauthorized activity on your Account.

8. Accounting, Withdrawals and Account Management

8.1 Account Balance and Credit Types

Your Account balance is expressed as a point total denominated in U.S. dollars and cents for display convenience. It reflects: platform credits earned from sales of your Goods; communication credits purchased by you; and any refunds received. See Section 2 for a full explanation of the nature of Qix Credits. Purchased communication credits are not available for cash conversion under the Redemption Program.

8.2 Purchased Communication Credits

You may purchase communication credits in increments of $5.00, up to a maximum of $200.00. These credits will be pooled with other credits in your account balance and are governed by Section 2.6.

8.3 Cash Conversion — Redemption Program Only

The conversion of Qix Credits to cash value is available exclusively through the Qixit Redemption Program. The specific eligibility requirements, identity verification procedures, tax reporting obligations, disbursement methods (check, ACH deposit, or qualifying gift card), disbursement fees, and compliance requirements for cash conversion are set forth exclusively in the Redemption Program Terms, which you must separately accept before any cash conversion is processed.

Enrollment in the Redemption Program is not automatic and is not available to all users. Qixit reserves the right to approve, deny, suspend, or revoke Redemption Program enrollment at any time in its sole discretion, subject to applicable law.

8.4 Withdrawal Limits

At our discretion, we may limit withdrawals and require additional information depending on your location, credit history, and other factors. All withdrawal limits and eligibility criteria are specified in the Redemption Program Terms for enrolled users.

8.5 Payment Schedule

Only users enrolled in the Redemption Program may request cash disbursements. Available payment periods, processing schedules, exceptions, and related eligibility requirements are stated in the current Redemption Program Terms and the applicable enrollment interface. A general Qixit Account or advertising Publisher account does not independently confer a right to quarterly or accelerated cash payment.

8.6 Reserves and Return Allowance

Qixit may hold a reserve against future returns, refunds, or reversed charges equal to 10% of your gross sales, calculated on a monthly average during the first year and on a 12-month rolling average thereafter. Qixit may adjust your reserve at any time.

8.7 Quarterly Net Amount Available (QNAA)

The QNAA equals: the available balance at end of the prior quarter, minus any purchases of Goods and/or communication credits since the end of the prior quarter through the payment-processing date, minus any applicable reserve.

Example: If your balance on December 31 is $500, you earn $100 and spend $300 in Q1, your QNAA is $200 ($500 minus $300 in purchases). If you spend $50 more before the check is cut, your QNAA drops to $150.

The QNAA calculation is an accounting measure only and does not establish the amount of credits eligible for cash conversion. Redemption eligibility, including the exclusion of purchased, promotional, Vendor, or otherwise ineligible credits, is determined under the Redemption Program Terms.

8.8 Payment Threshold

The minimum qualifying amount for a cash disbursement, and the categories of credits eligible to be paid, are determined exclusively under the current Redemption Program Terms. No minimum payout threshold applicable to general Qixit platform activity creates a right to cash payment for a user who is not approved for Redemption Program enrollment.

8.9 Chargebacks and Reversed Sales

If buyers of your Goods file a chargeback with their credit card company or bank, the sale may be reversed and you will be charged a chargeback fee per the Qixit Fee Schedule. Vendors with an abnormally high chargeback rate may incur higher fees. Qixit reserves the right to cancel any Vendor’s account or delist any Goods at any time.

To reduce chargebacks: (a) inform buyers that charges will appear as “QIXIT*COM” on their statements; (b) prominently display your contact information on product and delivery pages; and (c) be generous with direct refunds to buyers’ Qixit accounts.

8.10 Account Closure

Users may request Account closure subject to applicable identity, fraud, chargeback, legal-retention, and other outstanding obligations. Closure does not convert otherwise ineligible Qix Credits or Vendor Credits into cash. Any cash disbursement of eligible credits is available only to an enrolled and approved Redemption Program participant under the applicable threshold, reserve, fee, and payment-method rules. For all other users, the use, expiration, treatment, and availability of remaining credits upon closure are governed by Sections 2 and 8, subject to applicable law; Qixit will provide information about any legally required refund or unclaimed-property treatment.

8.11 Dormant Accounts

Accounts with a positive balance but no earnings for 60 or more days are considered dormant. Dormant accounts are subject to a maintenance fee of $1.00 per quarter, increasing to $10.00 per quarter after 365 consecutive days of inactivity.

8.12 Refund Policies

All sales are final. Any refund guarantee offered by a third-party Vendor must be settled directly with that Vendor. After investigating complaints, Qixit reserves the right to reverse any payment for any reason permitted under this Service Agreement.

9. Account Information and Error Resolution

9.1 Transaction History

You may access your transaction history and account balance through your Qixit software or by logging in at qixit.com.

9.2 Error Notification

If you believe an error has been made on your Account, notify us immediately through our contact page, no later than sixty (60) days after you knew or should have known of the improper activity. Include: (a) your name and account number; (b) a description of the error and why you believe it is an error; and (c) the dollar amount involved.

9.3 Error Resolution Process

We will investigate within 10 business days of receiving your notice. If we require more time, we may take up to 45 days (90 days for new accounts or foreign transactions) and will provisionally credit your Account within 10 business days (20 for new accounts) for the disputed amount. If we determine there was no error, we will provide a written explanation.

9.4 Qixit Liability for Processing Errors

If we discover a processing error, we will correct it. We will be liable for losses directly caused by our failure to complete a transaction correctly, unless: (a) you had insufficient credits through no fault of ours; (b) our system malfunctioned and you knew of the malfunction when you initiated the transaction; or (c) circumstances beyond our control prevented the transaction. Notwithstanding the foregoing, Section 9.4 does not apply to Micro-Transactions as defined in Section 5.4, which are governed exclusively by Section 5.4.

9.5 Regulation E

Our commitments regarding unauthorized transfers, contact information, business days, transfer limitations, fees, transaction history, liability, privacy, and error resolution constitute disclosures under the Electronic Fund Transfer Act and Federal Reserve Board Regulation E, 12 C.F.R. § 205.1 et seq.

10. Termination, Suspension and Survival

10.1 Termination

Qixit may, in its sole discretion, terminate your Account at any time and for any reason (or no reason) upon notice. Upon termination, any credits eligible for cash conversion under the Redemption Program Terms will be disbursed no less than 30 days and no more than 180 days after termination. For non-enrolled users, any closing balance will be handled per Section 8.10.

10.2 Suspension

Qixit may, in its sole discretion, suspend your use of the Qixit Service at any time and for any reason. During any suspension, you may not access or attempt to access the Qixit Service until your suspension is lifted.

10.3 Survival

Termination does not relieve you of obligations to pay amounts due on or prior to the effective date. Sections 4.2.1, 12, 13, 14, 15, 16, and 17 survive termination for any reason.

11. Intellectual Property and Ownership

All right, title, and interest in and to the Qixit Service — including all patents, copyrights, trademarks, trade secrets, and other intellectual property rights — are owned exclusively by Qixit and/or its suppliers. The Qix™ suite is protected by U.S. Patent Nos. 7,873,572; 8,346,660; 8,352,364; 8,799,164; Japan Patent 2007-500953; Indonesia Patent W00 2006 02343; EPO Patent 1721292; RUS Patent 2380754; and additional U.S. and foreign patents pending.

You irrevocably assign to Qixit all right, title, and interest in any suggestions, enhancement requests, recommendations, feedback, or comments you provide to Qixit relating to the Qixit Service.

12. Indemnification

You agree to defend, indemnify, and hold harmless Qixit and its parents, subsidiaries, affiliates, officers, directors, managers, agents, employees, shareholders, suppliers, licensors, successors, and assigns from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:

• Your access to or use of the Qixit Service
• Any breach of this Service Agreement by you or any user of your Account
• Your violation of any applicable law, rule, or regulation
• Your infringement or misappropriation of any third-party intellectual property or other rights
• Any Goods you sell through the Qixit Service, including claims related to non-delivery, defects, or fraud

13. Disclaimer of Warranties

THE QIXIT SERVICE IS PROVIDED ON AN “AS IS,” “WITH ALL FAULTS,” AND “AS AVAILABLE” BASIS. EXCEPT AS EXPRESSLY PROVIDED IN SECTION 9.4 REGARDING PROCESSING ERRORS, QIXIT ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY ERROR OR OMISSION. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, QIXIT DISCLAIMS ALL WARRANTIES — WHETHER EXPRESS, IMPLIED, ORAL, OR WRITTEN — INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, REASONABLE CARE, ACCURACY, OR FITNESS FOR A PARTICULAR PURPOSE. QIXIT FURTHER DISCLAIMS ALL WARRANTIES OF TITLE AND NON-INFRINGEMENT.

14. Limitation of Liability

14.1 CONSEQUENTIAL DAMAGES: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL QIXIT OR ITS SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THIS SERVICE AGREEMENT AND/OR THE QIXIT SERVICE, INCLUDING LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR ANTICIPATED SAVINGS.

14.2 AGGREGATE LIABILITY CAP: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, QIXIT’S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THIS SERVICE AGREEMENT AND/OR THE QIXIT SERVICE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00). THIS LIMITATION DOES NOT APPLY TO PROCESSING ERRORS, WHICH ARE GOVERNED BY SECTION 9.4.

14.3 Business Loss Hold Harmless. Notwithstanding any other provision of this Service Agreement, you expressly agree that Qixit shall have no liability whatsoever, and you hereby waive and release all claims against Qixit, for any loss of business, loss of revenue, loss of profits, loss of contracts, loss of anticipated savings, loss of data, loss of goodwill, business interruption, or any other indirect or consequential business loss of any nature, whether arising from: (a) any interruption, suspension, or termination of the Qixit Service; (b) any failure or delay in message delivery; (c) any credit reversal, chargeback, or compliance hold applied to your Account; (d) any modification to the Qixit platform, Fee Schedule, or program terms; or (e) any action taken by Qixit in good faith pursuant to applicable law or regulatory requirement. This waiver and release applies regardless of whether Qixit was advised of the possibility of such losses and regardless of the legal theory under which the claim is asserted.

15. Third-Party Claims; Covenant Not to Sue; User Dispute Hold Harmless

15.1.  Release of Third-Party Claims. In the event of a dispute arising from your use of the Qixit Service with any third party, you release Qixit (and its officers, directors, agents, affiliates, suppliers, and employees) from all claims, demands, and damages of every kind and nature, known and unknown, arising out of or in any way connected with such dispute.

If you are a California resident, you expressly waive California Civil Code §1542. Whether or not you are a California resident, you waive any law of similar effect in any jurisdiction.

15.2. Covenant Not to Sue; User Dispute Hold Harmless. You agree that you will not commence, maintain, or participate as a plaintiff in any claim, action, or proceeding against Qixit arising from or relating to: (a) any dispute between you and any other Qixit user, including any Vendor, Buyer, advertiser, or referral participant; (b) any transaction between you and any other Qixit user facilitated through the Qixit platform; (c) any claim that a third party’s use of the Qixit platform caused you harm; or (d) any regulatory action, investigation, or proceeding brought against any third party arising from that party’s use of the Qixit platform. If you are a Vendor, you specifically agree that Qixit’s role is limited to facilitating Credit transfers and message delivery, and that Qixit is not a party to, and assumes no liability for, any transaction between you and your customers.”

16. Notices

Qixit may give notice by sending a Qixit message to your Qixit address and/or to your last known postal address. Such notice is deemed given and received on the day sent.

You may give notice to Qixit by mail to: General Counsel, Qix Information Technologies LLC, 1333 College Pkwy #160, Gulf Breeze, FL 32563, with a duplicate electronic copy to customerservice@qixit.net.

17. General Provisions

17.1 Entire Agreement

This Service Agreement, together with the Terms of Use, Redemption Program Terms, Software License, Privacy Policy, and Earnings Disclaimer (each incorporated herein by reference), constitutes the complete and final agreement between the parties with respect to the Qixit Service. The Redemption Program Terms control over this Service Agreement with respect to cash conversion of Qix Credits.

For avoidance of doubt, the Qix Ad Network provisions within Section 5.5 form part of this Service Agreement and are not a separate contract. Approved participation may require an additional role-specific acknowledgment of Section 5.5 and the associated Privacy Policy and Terms of Use as they apply to Advertisers and Publishers. The Redemption Program Terms retain exclusive control of eligibility and procedures for converting credits into cash.

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17.2 Governing Law and Jurisdiction

This Service Agreement is governed by the laws of the State of Florida and applicable U.S. federal law, without regard to conflict-of-law principles. The UN Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act are expressly excluded. Subject to Section 17.3, you consent to exclusive jurisdiction and venue in the federal or state courts of Santa Rosa County, Florida. Any cause of action must be commenced within one (1) year after it arises; otherwise it is permanently barred.

17.3 Arbitration, Class Action Waiver, and Jury Trial Waiver

MANDATORY ARBITRATION: ALL CLAIMS ARISING UNDER THIS SERVICE AGREEMENT AND/OR RELATING TO THE QIXIT SERVICE (EXCLUDING CLAIMS FOR INJUNCTIVE OR OTHER EQUITABLE RELIEF) SHALL BE SETTLED BY FINAL AND BINDING ARBITRATION UNDER THE AAA COMMERCIAL ARBITRATION RULES IN SANTA ROSA COUNTY, FLORIDA. A NON-PREVAILING PARTY SHALL REIMBURSE THE PREVAILING PARTY’S REASONABLE LEGAL AND ARBITRATION FEES. ALL PROCEEDINGS ARE CONFIDENTIAL.

CLASS ACTION WAIVER: ALL CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY ONLY. YOU WAIVE ANY RIGHT TO PARTICIPATE IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

JURY TRIAL WAIVER: TO THE EXTENT ANY DISPUTE IS PERMITTED IN COURT, YOU AND QIXIT IRREVOCABLY WAIVE ANY RIGHT TO A JURY TRIAL.

17.4 Assignment

You may not assign this Service Agreement without Qixit’s prior written consent. Any purported assignment without consent is null and void. Qixit may freely assign this Service Agreement without restriction.

17.5 Injunctive Relief

You acknowledge that any breach or threatened breach of this Service Agreement may cause irreparable harm to Qixit. Qixit is accordingly entitled to seek injunctive or other equitable relief from a court without the requirement of posting a bond or proving actual damages.

17.6 Severability

If any provision is found to be illegal, unenforceable, or void, it shall be modified to the minimum extent necessary or severed. The remaining provisions shall continue in full force and effect.

17.7 Force Majeure

Qixit shall not be liable for any failure or delay resulting from causes beyond its reasonable control, including acts of God, natural disasters, government actions, war, terrorism, pandemics, labor disputes, internet or infrastructure failures, or cyberattacks.

17.8 No Waiver

Qixit’s failure to enforce any provision shall not constitute a waiver. No waiver is binding upon Qixit unless in writing and signed by Qixit.

17.9 Export Controls and Sanctions Compliance

International Eligibility and Sanctions Compliance. Qixit services may be offered to eligible individuals and businesses worldwide except where providing or receiving a particular service, transaction, item, or benefit would violate applicable United States laws, sanctions, export controls, or other applicable restrictions. Access, credit transactions, software distribution, advertising activity, and disbursements may be restricted by jurisdiction, person, entity, ownership, transaction type, or other applicable legal criteria.

You represent that you are not a blocked or prohibited person and will not act on behalf of such a person or use Qixit to circumvent restrictions administered by the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC), the U.S. Department of Commerce, or other applicable authorities. Qixit may request additional identity, residency, business, and ownership information and may block, suspend, delay, or review transactions where reasonably necessary to comply with applicable law or evaluate a credible sanctions concern. Sanctions restrictions depend on the law and applicable lists in effect at the relevant time; nationality alone does not necessarily determine whether a user is prohibited. Qixit may implement additional country allowlists for specific features, including the Ad Network and the Redemption Program.

17.10 Attorneys’ Fees

In any action to enforce this Service Agreement in which Qixit substantially prevails, you agree to pay Qixit’s reasonable attorneys’ fees, court costs, and other litigation expenses.

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

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

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