Qistiq Advance Responsible Borrowing Policy

1. Purpose

The purpose of this Policy is to:

• •Encourage responsible use of cash advances.
• •Promote financial wellness.
• •Reduce financial hardship.
• •Help customers avoid over-borrowing.
• •Support sustainable repayment behavior.

2. Borrow Only What You Need

Customers should only request advances that are necessary to meet short-term financial needs. Before accepting an advance, consider whether the advance is necessary, whether the amount can reasonably be repaid by the due date, and the impact repayment may have on future finances.

Qistiq encourages customers to borrow the smallest amount needed.

3. Understand Your Repayment Obligation

Before accepting an advance, customers should carefully review:

• •Advance amount
• •Service fees
• •Repayment amount
• •Repayment date
• •Payment method

By accepting an advance, you agree to repay the full repayment amount on or before the due date.

4. Review Your Budget

Customers are encouraged to review their financial situation before borrowing, including current income, upcoming expenses, existing debts, and future obligations.

If repayment may create financial hardship, customers should reconsider borrowing or contact support before accepting an advance.

5. Avoid Repeated Dependence

Cash advances are intended to provide temporary financial assistance. Customers should avoid relying on advances as a long-term financial solution. Repeated borrowing may indicate a need to review budgeting, savings, or financial planning strategies.

6. Maintain Accurate Information

Customers must provide accurate information regarding:

• •Identity
• •Employment
• •Income
• •Address
• •Contact information
• •Payment methods

Providing false information may result in account restrictions, denial of services, or account termination.

7. Keep Payment Methods Current

Customers are responsible for maintaining valid and up-to-date bank account information, debit card information, mobile wallet information, and contact information.

Maintaining accurate information helps avoid missed payments and service disruptions.

8. Communicate Early

If you anticipate difficulty making a repayment, contact Qistiq as soon as possible. Early communication may help us review available options and provide assistance where appropriate. Failure to communicate may result in account restrictions or collections activity.

9. Protect Your Account

Customers should:

• •Keep passwords secure.
• •Enable available security features.
• •Avoid sharing account credentials.
• •Report suspicious activity immediately.

You are responsible for protecting access to your account.

10. Use Advances for Legitimate Purposes

Advances should only be used for lawful purposes such as emergency expenses, transportation costs, utility payments, medical expenses, and essential living expenses.

Advances may not be used for illegal activities or fraudulent purposes.

11. Build Positive Repayment History

Timely repayment may help improve internal trust scores, future eligibility, advance limits, and premium feature access.

Consistent repayment behavior contributes to a healthy financial relationship with Qistiq.

12. Financial Wellness Tools

Qistiq may provide budgeting tools, spending insights, financial health scores, savings recommendations, and AI-powered financial guidance.

These tools are provided for informational purposes only and should not be considered financial, legal, tax, or investment advice.

13. No Guarantee of Future Advances

Approval of one advance does not guarantee approval of future advances. Future approvals may be affected by repayment history, risk assessments, account activity, verification status, and fraud indicators.

14. Customer Responsibility

Customers are responsible for reviewing all disclosures, understanding repayment obligations, making payments on time, providing accurate information, and using advances responsibly.

Failure to meet these responsibilities may impact account eligibility and future access to services.

15. Policy Changes

Qistiq may update this Responsible Borrowing Policy from time to time. Updates become effective upon publication or notification as permitted by applicable law.