PRIVACY POLICY

Last Updated: September 1, 2026

This Privacy Policy describes how RDY Holdings LLC d/b/a QM Advance (“QM Advance,” “we,” “us,” or “our”) collects, uses, discloses, and protects information when you visit www.qmadvance.com, submit a business funding application, communicate with us, or use our services.

By using our website or submitting information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

We may collect information that you provide directly to us, including:

• Business name and business contact information
• Business address
• Business ownership information
• Name, email address, and telephone number
• Tax identification information
• Business revenue and financial information
• Bank statements and bank-account information
• Payment-processing information
• Information regarding business operations
• Information contained in applications, documents, and communications you submit to us
• Identification information necessary to verify identity or ownership
• Other information reasonably necessary to evaluate, establish, or service a business relationship

We may also collect information automatically when you use our website, including:

• IP address
• Browser type
• Device information
• Operating system
• Pages visited
• Referring website
• Date and time of access
• Website usage and interaction information
• Cookies and similar technologies

2. How We Use Information

We may use information we collect for legitimate business purposes, including to:

• Review and evaluate business funding applications
• Verify business and ownership information
• Perform underwriting and eligibility reviews
• Verify bank-account and transaction information
• Prevent and detect fraud
• Communicate regarding an application
• Request documents or additional information
• Establish and administer a Receivables Purchase Agreement
• Provide funding notifications
• Service existing business relationships
• Process and reconcile payments
• Provide payment reminders and confirmations
• Provide customer support
• Maintain and improve our website and services
• Protect the security and integrity of our systems
• Maintain records
• Comply with applicable laws, regulations, legal processes, and contractual obligations
• Enforce agreements and protect our legal rights

Marketing Communications

We may send marketing or promotional communications through channels permitted by applicable law and subject to any consent required by law.

Our SMS program described below is intended primarily for application-related, account-servicing, payment, and customer-support communications and is not used to send unsolicited funding advertisements.

3. Verification, Underwriting, and Third-Party Information

In connection with an application, business funding transaction, existing Receivables Purchase Agreement, servicing relationship, renewal, modification, or other legitimate business purpose, we may obtain information from third-party sources.

These sources may include:

• Credit reporting agencies
• Business-information providers
• Bank-account verification providers
• Payment processors
• Identity-verification services
• Fraud-prevention services
• Public records
• Financial-data providers
• Other authorized service providers

Where required by applicable law, we will obtain appropriate authorization before obtaining consumer reports or other protected information.

4. How We Share Information

We do not sell personal information.

We may disclose information to authorized service providers that perform services on our behalf, including providers assisting with:

• Identity verification
• Bank-account verification
• Payment processing
• Fraud prevention
• Underwriting support
• Account servicing
• Technology and website services
• Electronic signatures
• Communications
• Customer support
• Data security
• Compliance and legal services

These service providers may access information only as reasonably necessary to perform services for QM Advance and are expected to handle information in accordance with applicable law and contractual requirements.

We may also disclose information:

• When required by law, regulation, subpoena, court order, or other legal process
• To protect the rights, property, security, or safety of QM Advance, our customers, or others
• To investigate suspected fraud, unlawful activity, or violations of our agreements
• In connection with a merger, acquisition, restructuring, financing, sale of assets, or similar corporate transaction, subject to applicable law
• With your authorization or at your direction

5. SMS and Mobile Information

QM Advance sends SMS messages only to individuals who have provided their mobile telephone number and have expressly opted in to receive text messages from RDY Holdings LLC d/b/a QM Advance.

Providing a mobile telephone number alone does not constitute consent to receive SMS messages.

If you expressly opt in, SMS communications may relate to:

• Your business funding application
• Application status
• Document requests
• An existing Receivables Purchase Agreement
• Funding notifications
• Account servicing
• Payment reminders
• Payment confirmations
• Payment arrangements
• Customer support

Message frequency varies. Message and data rates may apply.

You may opt out of SMS messages at any time by replying STOP.

For assistance, reply HELP, call 800-699-0722, or email info@qmadvance.com.

Consent to receive SMS messages is not a condition of obtaining business funding.

Mobile information and SMS opt-in consent will not be shared with any third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Information may be provided to service providers acting on behalf of QM Advance only as reasonably necessary to deliver SMS communications, provide requested services, support account operations, prevent fraud, maintain security, or comply with applicable law.

Such service providers are not authorized to use SMS consent information for their own marketing purposes.

Opting out of SMS communications does not prevent QM Advance from communicating with you through other permitted methods when necessary to respond to a request or administer an existing business relationship.

6. Email and Other Communications

We may communicate with you by email, telephone, mail, or other permitted methods regarding:

• Applications
• Document requests
• Account servicing
• Existing agreements
• Payments
• Customer support
• Administrative notices
• Security or fraud issues
• Other business-related matters

You may unsubscribe from marketing emails by following the unsubscribe instructions contained in those communications.

Opting out of marketing communications does not prevent us from sending administrative, transactional, servicing, legal, or other non-marketing communications where permitted by law.

7. Cookies and Website Technologies

We may use cookies, pixels, analytics technologies, and similar tools to:

• Operate the website
• Remember preferences
• Improve functionality
• Understand website usage
• Detect fraud or security issues
• Improve user experience
• Measure website performance

You may be able to control cookies through your browser settings. Disabling certain cookies may affect website functionality.

8. How We Protect Information

We maintain administrative, technical, and physical safeguards designed to protect information from unauthorized access, use, disclosure, alteration, or destruction.

These safeguards may include:

• Access controls
• Authentication measures
• Encryption where appropriate
• Network and system security controls
• Vendor-management procedures
• Internal security policies
• Employee access restrictions

No electronic system or method of transmission is completely secure. Accordingly, we cannot guarantee absolute security.

9. Data Retention

We may retain information for as long as reasonably necessary to:

• Evaluate and process applications
• Maintain and service business relationships
• Fulfill contractual obligations
• Maintain business and transaction records
• Prevent fraud
• Resolve disputes
• Enforce agreements
• Comply with legal, regulatory, tax, accounting, and reporting requirements

Retention periods may vary depending on the nature of the information and applicable legal requirements.

10. Your Choices and Rights

Depending on applicable law and your location, you may have certain rights regarding your personal information.

These may include the right to request:

• Access to certain personal information
• Correction of inaccurate information
• Deletion of certain information
• Information regarding how your information is used or disclosed

Certain information may be exempt from these requests where retention or processing is required for legal, regulatory, contractual, fraud-prevention, security, or legitimate business purposes.

To submit a privacy request, contact us using the information below.

11. Children’s Privacy

The Site and QM Advance’s services are intended for businesses and individuals acting in a commercial capacity.

They are not intended for children under eighteen (18) years of age.

We do not knowingly solicit business funding applications from children.

12. Third-Party Websites and Services

Our website may contain links to or integrations with third-party websites and services.

Those third parties have their own privacy policies and practices.

QM Advance is not responsible for the privacy, security, or content of third-party websites or services.

We encourage users to review applicable third-party privacy policies before providing information to those services.

13. Business Transfers

If QM Advance is involved in a merger, acquisition, restructuring, financing, asset sale, bankruptcy, or similar corporate transaction, information may be transferred as part of that transaction, subject to applicable law.

Any successor entity will be required to handle information in accordance with applicable privacy obligations.

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically.

When changes are made, the revised policy will be posted on our website and the Last Updated date will be updated.

We encourage you to review this Privacy Policy periodically.

15. Contact Us

If you have questions regarding this Privacy Policy or our privacy practices, contact:

RDY Holdings LLC d/b/a QM Advance 61-43 186th Street Fresh Meadows, NY 11365

Phone: 800-699-0722 Email: policy@qmadvance.com Website: www.qmadvance.com