Qistiq Membership & Refund Policy

1. Qistiq Membership

Qistiq membership is an optional recurring service. Available benefits, membership fees, billing date, and cancellation terms are shown before enrollment and in your account settings. Membership does not guarantee KYC approval, an advance, a higher advance limit, or any other eligibility, underwriting, or account decision. All such decisions remain subject to Qistiq's verification, risk, and eligibility requirements. You may cancel your membership at any time. Unless a refund is approved under this policy or required by applicable law, membership access remains available through the end of the current billing period.

Membership availability and benefits may vary by location and account eligibility.

2. When a Membership Refund May Be Available

A membership refund may be available only when Qistiq verifies that a technical issue or an error on our end prevented you from accessing the membership service during the applicable billing period.

• •A verified Qistiq system issue prevented membership features from being available.
• •A confirmed Qistiq billing or account error caused an incorrect membership charge.
• •Another verified technical issue on Qistiq's end prevented access to the service.

Each request is reviewed using the information available for the affected account and billing period.

3. What Is Not Covered by This Refund Policy

Membership refunds are not issued for unused time, a change of mind, failure to use a membership benefit, account eligibility decisions, advance approval decisions, or issues outside Qistiq's control. This policy does not limit any refund right that applies under law.

4. How to Request a Review

If you believe a Qistiq technical issue or error prevented access to your membership, contact Qistiq Support as soon as possible.

• •Use in-app Support or email support@qistiq.com.
• •Include the email address on your Qistiq account and a short description of what happened.
• •Include the approximate date and time of the issue, plus screenshots or error details if available.

Providing complete information helps us review your request more quickly.

5. Review and Refund Method

Qistiq may review account access records, billing history, and technical logs to verify the issue. If a refund is approved, it will be returned to the original payment method when possible. Your financial institution may require additional time to post a completed refund to your account.

6. Questions About Membership

For help with your membership, billing date, cancellation, or a possible technical access issue, please contact Qistiq Support.