Qistiq Advance Fees & Disclosures

1. Important Notice

Qistiq Advance is a financial technology platform. Qistiq Advance is not a bank. All advances are subject to eligibility requirements, verification procedures, risk review, and approval. Approval is not guaranteed.

2. Advance Disclosure

Before accepting any advance, you will receive a detailed disclosure showing:

• •Advance Amount
• •Service Fee
• •Funding Method
• •Repayment Amount
• •Repayment Date
• •Payment Method
• •Estimated Delivery Time

You will be required to review and accept these disclosures before funds are provided.

3. Service Fees

Qistiq may charge service fees for approved advances. The exact fee will always be disclosed before acceptance. Example (USD): $200 advance — $10 fee — $190 received — $200 repayment. Example (EGP): 5,000 EGP advance — 150 EGP fee — 4,850 EGP received — 5,000 EGP repayment.

No fee will be charged unless clearly disclosed and accepted by the user.

4. Express Funding Fees

Users may choose faster funding options where available, such as instant debit card, wallet, or InstaPay transfers.

Additional fees may apply. The exact fee will be disclosed before the user selects the funding option.

5. Premium Membership Fees

Qistiq may offer optional premium membership plans including higher limits, faster approvals, reduced fees, priority support, and additional financial tools.

Membership fees, billing frequency, and cancellation terms will be disclosed prior to enrollment.

6. Payment Processing Fees

Certain payment methods may involve processing fees. Where applicable, fees will be displayed before payment authorization.

7. Late Payment Disclosure

If repayment is not received by the due date, Qistiq may restrict account access, reduce future advance eligibility, suspend new advance requests, initiate collections review, and take additional actions permitted by applicable law.

Any applicable charges or consequences will be disclosed in accordance with applicable laws.

8. Repayment Disclosure

Users are responsible for repaying the full disclosed repayment amount. Repayment obligations remain valid regardless of account closure requests, device changes, app deletion, or contact information changes.

9. Automatic Payment Authorization

If a user authorizes automatic repayment: Qistiq may attempt to collect repayment using the authorized payment method on the scheduled repayment date. Users are responsible for maintaining accurate payment information.

10. Refunds

Fees may not be refundable once services have been provided unless required by law. Refund requests will be reviewed in accordance with Qistiq policies and applicable regulations.

11. Collection Disclosure

Delinquent accounts may be subject to collection activities where permitted by applicable law, including email reminders, SMS, push notifications, phone contact, and external collections services.

12. Credit Reporting Disclosure

Qistiq may maintain internal repayment and performance records. Future eligibility, limits, and approvals may be affected by repayment history, account standing, fraud indicators, and risk assessments.

13. AI and Automated Systems Disclosure

Qistiq may use artificial intelligence and automated systems to assist with risk scoring, fraud detection, KYC review, customer support, limit recommendations, and collections assistance.

Automated systems may be reviewed by authorized personnel.

14. No Guarantee of Future Advances

Receiving one approved advance does not guarantee approval of future advances. Qistiq may increase limits, decrease limits, modify approval criteria, or suspend eligibility at its discretion and subject to applicable law.