TERMS OF USE

Last Updated: September 1, 2026

These Terms of Use (“Terms”) govern your access to and use of www.qmadvance.com and any related webpages, online forms, portals, features, and services made available through the website (collectively, the “Site”).

The Site is owned and operated by RDY Holdings LLC d/b/a QM Advance (“QM Advance,” “we,” “us,” or “our”).

Please read these Terms carefully. By accessing or using the Site, you agree to these Terms. If you do not agree, you should not use the Site.

1. About QM Advance

QM Advance provides commercial business funding products and services to eligible businesses.

Certain transactions offered by QM Advance may involve the purchase of a specified percentage of a business’s current or future receivables pursuant to a separate Receivables Purchase Agreement (“RPA”).

The Site is intended solely for commercial and business purposes. QM Advance does not use this Site to provide financing for personal, family, or household purposes.

Information presented on the Site is for general informational purposes and does not constitute a commitment by QM Advance to enter into any transaction.

2. Separate Funding Agreements Control

These Terms govern your use of the Site.

Any actual funding transaction, receivables purchase, payment arrangement, reconciliation right, fee, obligation, guarantee, or other contractual relationship between QM Advance and a merchant will be governed by the applicable written agreement entered into between the parties.

If these Terms conflict with an executed Receivables Purchase Agreement or another written agreement between you and QM Advance regarding a specific transaction, the terms of that separate written agreement will control with respect to that transaction.

Nothing contained on the Site changes the legal nature or terms of an executed agreement.

3. Eligibility and Business Purpose

You may use this Site only if:

you are at least eighteen (18) years old;
you have legal authority to act on behalf of the business for which you are submitting information;
the information you provide is for a legitimate commercial or business purpose; and
your use of the Site complies with applicable law.

By submitting an application on behalf of a business, you represent that you are authorized to provide the requested information and to communicate with QM Advance regarding that business.

4. Applications and Information You Provide

You agree that all information submitted to QM Advance will be accurate, current, complete, and not misleading.

Information submitted may include, among other things:

business ownership information;
contact information;
business revenue information;
bank statements and transaction information;
payment-processing information;
identifying information;
financial information; and
other documentation reasonably requested in connection with evaluating or servicing a business funding transaction.

Submitting an application does not guarantee approval, funding, or any particular terms.

QM Advance may approve, decline, suspend, or request additional information regarding an application in its discretion, subject to applicable law.

Final terms, if any, will be provided separately before a transaction is completed.

5. Verification, Underwriting, and Credit Information

In connection with an application, transaction, servicing relationship, renewal, modification, or other legitimate business purpose, QM Advance may verify information provided by you or the business.

Where authorized by you and permitted by applicable law, QM Advance and its authorized service providers may obtain and review information from third-party sources, including:

personal or business credit reports;
bank-account and transaction information;
payment-processing information;
identity-verification services;
fraud-prevention databases;
public records; and
business-information providers.

Where your authorization is legally required before obtaining a consumer report or other protected information, QM Advance will obtain or rely upon the applicable authorization.

Submission of information does not constitute a guarantee or commitment that QM Advance will approve a transaction.

6. Electronic Communications and Electronic Signatures

You agree that QM Advance may provide documents, notices, disclosures, agreements, records, and other communications electronically when permitted by applicable law and when you have provided any consent required by law.

Electronic communications may be provided through:

email;
the Site;
an electronic customer portal;
electronic-signature services; or
another electronic method agreed to by you.

You agree that electronic signatures and electronic records may have the same legal effect as signatures and records provided in paper form, to the extent permitted by applicable law.

Hardware and Software Requirements

To receive and retain electronic communications, you should have:

a device capable of accessing the Internet;
a current web browser;
a valid email address;
software capable of opening PDF or similar electronic documents; and
sufficient electronic storage or printing capability to retain copies of communications.

You are responsible for keeping your email address, telephone number, mailing address, and other contact information current.

Paper Copies

You may contact QM Advance to request a paper copy of an electronically provided communication where applicable.

Withdrawal of Electronic Consent

Where applicable, you may withdraw your consent to receive communications electronically by contacting QM Advance.

Withdrawal of electronic consent will not affect the legal effectiveness or validity of electronic records, communications, or signatures provided before the withdrawal became effective.

Withdrawal may affect our ability to continue providing certain services electronically.

7. SMS Terms of Service

SMS consent is separate from your general acceptance of these Terms.

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.

If you separately opt in to SMS communications, messages may relate to:

your business funding application;
document requests;
application status;
an existing Receivables Purchase Agreement;
funding notifications;
account servicing;
payment reminders;
payment confirmations;
payment arrangements; and
customer support.

Message frequency varies. Message and data rates may apply.

You may opt out at any time by replying STOP to a message.

For assistance, reply HELP, call 800-699-0722, or contact QM Advance at info@qmadvance.com.

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

Opting out of SMS does not prevent QM Advance from communicating with you through other methods where permitted by law or necessary to administer an existing relationship.

QM Advance does not treat the submission of a telephone number alone as consent to receive SMS messages.

Additional information regarding how QM Advance collects, uses, and protects personal information is available in our Privacy Policy.

8. Privacy

Your use of the Site is also subject to the QM Advance Privacy Policy.

The Privacy Policy describes the types of information QM Advance may collect, how information may be used, circumstances in which information may be disclosed, and the choices available to you.

By using the Site, you acknowledge that you have had an opportunity to review the Privacy Policy.

9. Permitted Use of the Site

You agree to use the Site only for lawful purposes.

You may not:

provide false, fraudulent, inaccurate, or misleading information;
impersonate another person or business;
access another person’s account or information without authorization;
interfere with the operation or security of the Site;
attempt to gain unauthorized access to QM Advance systems;
introduce malware, malicious code, automated attacks, or other harmful technology;
scrape, copy, harvest, or systematically collect Site information without authorization;
use automated systems to access the Site in a manner that places an unreasonable burden on our systems;
use the Site to violate any applicable law or regulation;
transmit spam or unauthorized commercial communications through the Site; or
use information obtained through the Site for fraudulent or unlawful purposes.

QM Advance may restrict or terminate access to the Site if it reasonably believes these Terms have been violated.

10. Intellectual Property

Unless otherwise indicated, the Site and its content—including text, graphics, logos, designs, software, photographs, videos, trademarks, service marks, and other materials—are owned by or licensed to QM Advance and are protected by applicable intellectual-property laws.

QM Advance grants you a limited, non-exclusive, revocable, non-transferable right to access and use the Site for legitimate business purposes.

Except as expressly permitted by law or authorized by QM Advance in writing, you may not reproduce, distribute, modify, publish, sell, license, create derivative works from, or commercially exploit Site content.

“QM Advance,” related names, logos, and branding may not be used without prior written authorization.

11. Third-Party Services and Links

The Site may contain links to or integrations with third-party websites, software, financial-information providers, verification services, electronic-signature providers, payment processors, or other service providers.

Third-party services are governed by their own terms and privacy practices.

QM Advance does not control third-party websites and is not responsible for their availability, security, accuracy, content, policies, or practices.

A link or integration does not necessarily constitute an endorsement of the third party.

12. No Guarantee of Funding or Eligibility

Descriptions of funding amounts, timing, eligibility requirements, approval processes, examples, or other information appearing on the Site are general in nature.

Actual eligibility and terms depend on underwriting, verification, business performance, documentation, and other applicable factors.

QM Advance does not guarantee:

approval;
funding;
funding amount;
completion within a particular period;
particular pricing or terms; or
eligibility for any particular product.

No transaction exists until the applicable parties enter into the required written agreement.

13. No Legal, Tax, or Accounting Advice

Information on the Site does not constitute legal, accounting, tax, investment, or other professional advice.

Businesses should consult their own professional advisers regarding the legal, tax, financial, or accounting consequences of any transaction.

14. Website Availability

QM Advance may modify, suspend, restrict, or discontinue all or any portion of the Site at any time.

We do not guarantee that the Site will always be available, uninterrupted, secure, or free from errors.

We may perform maintenance, updates, security changes, or other modifications without prior notice.

15. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SITE AND SITE CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

QM ADVANCE DISCLAIMS ALL WARRANTIES REGARDING THE SITE, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND SECURITY, TO THE EXTENT SUCH WARRANTIES MAY LAWFULLY BE DISCLAIMED.

QM Advance does not warrant that the Site will be uninterrupted, error-free, secure, or free from harmful components.

Nothing in this section limits any rights that cannot legally be waived.

16. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, QM ADVANCE AND ITS AFFILIATES, OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SITE.

This includes, where permitted by law, loss of profits, revenue, data, business opportunity, goodwill, or other intangible losses.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

Any separate Receivables Purchase Agreement or other written transaction agreement may contain different or additional limitations of liability, which will govern that transaction.

17. Indemnification

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless QM Advance and its affiliates, owners, officers, directors, employees, agents, contractors, and service providers from claims, liabilities, damages, losses, and reasonable costs arising from:

your unlawful use of the Site;
your material violation of these Terms;
information or materials you submit in violation of law or another person’s rights; or
fraud, intentional misconduct, or unauthorized activity attributable to you.

QM Advance reserves the right to assume control of the defense of any matter subject to indemnification.

18. Suspension and Termination

QM Advance may suspend, restrict, or terminate your access to the Site where reasonably necessary for:

security;
suspected fraud;
violation of these Terms;
protection of QM Advance or third parties;
legal or regulatory compliance; or
discontinuation of a Site feature or service.

Termination of Site access does not terminate or modify obligations under a separately executed Receivables Purchase Agreement or other written agreement.

19. Governing Law and Jurisdiction

Unless a separate written agreement between you and QM Advance provides otherwise, these Terms and disputes relating specifically to your use of the Site will be governed by the laws of the State of New York, without regard to its conflict-of-law principles.

Subject to applicable law and any controlling provision in a separate written agreement, legal proceedings relating specifically to these Terms or use of the Site will be brought in a court of competent jurisdiction located in the State of New York.

20. Changes to These Terms

QM Advance may update these Terms periodically.

When changes are made, the updated Terms will be posted on the Site and the “Last Updated” date will be revised.

Your continued use of the Site after updated Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.

Changes to these website Terms do not retroactively modify an executed Receivables Purchase Agreement or other written agreement unless the parties separately agree to such modification.

21. Severability

If any provision of these Terms is determined to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent legally permissible and the remaining provisions will remain in effect.

22. No Waiver

Failure by QM Advance to enforce any provision of these Terms does not constitute a waiver of that provision or any other right.

23. Assignment

You may not assign or transfer your rights under these Terms without QM Advance’s prior written consent.

QM Advance may assign these Terms in connection with a merger, acquisition, corporate restructuring, sale of assets, or other lawful business transaction, subject to applicable law.

Nothing in this section alters any assignment rights or restrictions contained in a separately executed Receivables Purchase Agreement.

24. Entire Agreement and Priority of Agreements

These Terms, together with the Privacy Policy and any additional terms expressly applicable to a particular Site feature, constitute the agreement between you and QM Advance concerning use of the Site.

They do not replace an executed Receivables Purchase Agreement or other written transaction agreement.

If a separate written transaction agreement conflicts with these Terms regarding the subject matter of that transaction, the separate written agreement controls.

25. Contact Information

Questions regarding these Terms may be directed to:

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

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