General

Use of Q-Trader Limited products and services (including but not limited to Subscription, Daily Deals, Superstars) constitutes your acceptance of and agreement to comply with Q-Trader's billing policy.

• All accounts are set up on a prepaid basis. Payment must be received by Q-Trader before any billable product or service is provided/activated. In the event of a trial period, payment information must be on file before your account is created. You are required to keep a valid credit/debit card on file to charge for recurring monthly subscription fees. All recurring subscriptions are automatically invoiced and charged to the credit/debit card on file.
• Trial subscriptions are limited to one trial per person, per product. The purchase and subsequent cancellation of multiple trials may result in permanent closure of the account.
• Subscription billing is based on the availability of products and services within the parameters defined by their Levels. There is the future option for certain fees to be usage-based (e.g. Subscription, Daily Deals, Superstars).
• Payment receipts are provided electronically with each purchase, and may also be provided upon Client request.

Billing Cycle

• Credit/Debit Card Billing: All credit/debit cards are automatically charged on the Client's specific billing cycle date.
• Payment failure: In the event a credit/debit card fails to charge successfully, access to the product will immediately cease.
• Deactivation: Q-Trader reserves the right to remove Client application data from its servers after non-payment.
• Cancellation of a subscription immediately closes access to the account. If there is time remaining on a subscription year, please contact support to re-instate access.

Fees

• Collections Fee: In the event an account is submitted to a third-party collections service, a $35.00 processing fee may be assessed to the existing account balance. This fee is in addition to any other fees previously assessed on the account.
• Chargebacks: If a Client initiates a chargeback, Q-Trader may assess a $50.00 processing fee for each individual chargeback.
• Interest: Any charges not paid when due are subject to interest at a rate equal to the lesser of: (i) fifteen percent (15%) per annum; or (ii) the maximum interest rate allowed by applicable law.

Payment Methods

Q-Trader accepts payments from most major credit cards.

Subscription Billing

Invoices are generated and payments are collected at the beginning of each billing period. Client billing periods typically begin on the day of the month (or year for yearly programs) in which the Client purchased the Q-Trader subscription. Client must request to cancel their subscriptions at least 10 days prior to their next billing date in order to avoid being charged on the billing date. Q-Trader will not pro rata any portion of unused subscription services. All subscription fees are non-refundable except as described below.

Normal, Reasonable Business Use

Q-Trader offers unlimited features within normal and reasonable business use limits e.g. number of Deals and Offers. The unlimited features are product specific. Normal and reasonable use of unlimited products must be consistent with the type and level of usage per typical Client in the particular membership.

Excessive Use Of Unlimited

Businesses engaging in these practices may cause a degradation in the service Q-Trader provides. Unauthorized or excessive use beyond that normally experienced by business Clients may lead to account throttling, suspension, or termination. Unlimited is not to be shared with any other independent or separate account, individual or user by any means. For this reason, Q-Trader may consider “excessive” and per its sole discretion including, but not limited to:

• Unreasonable number of requests to our servers
• Volume of internet data
• Volume of product uploads

Q-Trader further reserves the right to withdraw or change any unlimited feature at any time. If Q-Trader makes any change(s) to an unlimited feature, you will receive a notification describing the change(s) to the relevant unlimited feature and the date such changes take effect.

Level Upgrade/Downgrade

Q-Trader subscriptions are purchased on a fixed-term basis: monthly or annually, depending on the products you registered for.

If an account is upgraded to a higher tier, the system will run a one-off pro-rated charge for the remaining days of the current billing period. From thereafter, the standard fees for your newly upgraded membership level will become effective. Overages are charged based on the level of the Client's subscription activity at the time of it being incurred.

Account downgrades require communication with Q-Trader support portal (Contact Us page) to ensure your account assets are reduced below Level requirements. They will also go into effect the following billing cycle.

Refund Policies

Q-Trader refund policies vary depending on the product, as follows:

• For subscription purchases, Q-Trader offers a full refund on a charge provided the request is made within 30 days of the purchase.
• In the event of a multi-installment payment for a subscription, a refund is only possible on the most recent payment (e.g. if a refund request is made within 30 days of the third payment of a third-payment Level, the first and second payments will not be refunded).
• For Q-Trader recurring payments, refunds are only given on the first instalment of a subscription, and only if the refund request is made within 30 days of the purchase, subject to the discretion of Q-Trader. Refunds are not given on overage charges.

Q-Trader may either refuse a refund request or disallow repurchase of a previously refunded product if we find any evidence suggesting fraud, refund abuse, trial abuse, or other manipulative behaviour that allows use of the product without payment.

Cancellation Process

Creating a Cancellation request: A request to cancel a Q-Trader subscription must be initiated at least 10 days prior to the next invoice date. For Q-Trader users, cancellation can also be done via the Billing Profile self-service portal in your account. Any other request to cancel a Q-Trader subscription can also be made via the Billing Profile self-service portal in your account with a Q-Trader representative at least 10 days prior to the next invoice date. Customers are encouraged to keep records of all communications regarding cancellation. Until a cancellation request is made, or a cancellation processed via the self-service portal, Q-Trader will continue to treat it as an open account. Unless cancelled, the billing cycle will continue, possibly resulting in a past due account that may be turned over to a third party collection service. It is imperative that you chat with a Q-Trader representative, utilize the self-service option, or submit an online ticket through the cancellation form if you wish to initiate cancellation of your Q-Trader account.

Cancellation of an account does not dismiss outstanding invoices or nullify previously agreed charges. At the time of cancellation, any outstanding balance must be settled. All cancelled accounts with an outstanding balance may be turned over to a third-party collection service.

Billing Disputes

Each Q-Trader customer agrees to provide Q-Trader 30 days to attempt settlement of any billing dispute before disputing with any third-party credit/debit card company or bank. Should Q-Trader receive a chargeback from a third-party credit/debit card company or bank on the customer's behalf before Q-Trader has been given a chance to resolve the issue, Q-Trader has the right to charge the customer for its time spent in resolving such disputes and any associated fees incurred by Q-Trader, in addition to the $50 chargeback fee mentioned above. Regardless of the outcome of the chargeback, Q-Trader retains the right to collect on any Services or fees that are due. Q-Trader may submit any disputed amounts to a collection agency. Once a chargeback has been received, Q-Trader has the right to suspend the account until the matter is resolved.