1. ACCEPTANCE OF TERMS

These Terms of Service (the “Terms”) constitute a legally binding agreement between you and QuickLinq (“QuickLinq,” “we,” “us,” or “our”) governing your access to and use of the QuickLinq website, software, applications, integrations, application programming interfaces (“APIs”), portals, communications tools, funding-request functionality, data-processing services, workflow automation, third-party service facilitation, and all other products, features, functionality, and services made available by or through QuickLinq (collectively, the “Services”).

QuickLinq operates as a technology integration, information-processing, workflow automation, transaction-facilitation, and service-connectivity platform. The Services are not limited to litigation funding and may facilitate access to financial, litigation-support, administrative, technology, professional-support, and other lawful services provided by QuickLinq or independent third parties.

These Terms apply to individuals and entities accessing or using the Services, including law firms, attorneys, law-firm personnel, claimants, clients, medical providers, funding companies, capital providers, financial institutions, third-party service providers, and other authorized users (“Users”).

By accessing or using the Services, creating an account, submitting information, connecting a third-party system, or clicking “I Agree,” “Accept,” “Authorize,” “Connect,” “Authorize & Connect,” or a similar electronic acknowledgment, you acknowledge that you have read, understood, and agree to these Terms and the QuickLinq Privacy Policy.

If you do not agree, you may not use the Services.

1.1 Organizational Authority

If you use the Services on behalf of a law firm, company, medical provider, funding company, financial institution, or other organization (“Organization”), you represent and warrant that you:

(a) have authority to bind the Organization;

(b) are authorized to use the Services on its behalf;

(c) have authority to provide, access, transmit, and authorize processing of information made available through the Services; and

(d) have obtained all notices, permissions, authorizations, and consents required by applicable law, contract, professional obligation, or organizational policy.

References to “you” and “your” include both the individual User and the applicable Organization.

1.2 Electronic Acceptance

Electronic acceptance of these Terms has the same effect as a handwritten signature to the fullest extent permitted by law.

QuickLinq may maintain electronic records of acceptance, permissions, integration authorizations, service requests, funding requests, communications, transactions, and other activities conducted through the Services.

2. ACCOUNTS, AUTHORIZED USERS, AND USER RESPONSIBILITIES

You may use the Services only if you are legally capable of entering into a binding agreement and your use is permitted by applicable law.

You agree to provide accurate, current, and complete account information and maintain the confidentiality and security of your credentials.

An Organization may authorize employees, attorneys, contractors, agents, and representatives (“Authorized Users”) to use the Services on its behalf.

The Organization is responsible for determining who may use its account, assigning appropriate permissions, supervising Authorized Users, and promptly terminating access when authorization ends.

QuickLinq may generally treat activity conducted through an authenticated account or by an Authorized User as authorized by the Organization unless QuickLinq has actual notice to the contrary.

2.1 Information and Instructions

You are responsible for the accuracy, completeness, legality, and appropriateness of information, documents, instructions, approvals, requests, and authorizations that you or your Authorized Users provide or authorize QuickLinq to obtain.

QuickLinq may reasonably rely upon information and instructions received through your account or an authorized integration without independently verifying every fact or authorization unless applicable law requires otherwise.

2.2 Authority to Provide Information

You represent and warrant that you possess all rights, permissions, authorizations, notices, consents, and lawful bases necessary to provide information to QuickLinq and authorize QuickLinq to process and transmit it as contemplated by these Terms.

This applies to information:

(a) entered directly into QuickLinq;

(b) uploaded as a file or document;

(c) obtained through an Integrated System;

(d) transmitted through an API;

(e) submitted through a form, link, or portal; or

(f) otherwise made available at your direction.

If information concerns a client, claimant, patient, case, medical provider, insurer, settlement, receivable, funding transaction, or other third party, you are responsible for determining that you have sufficient authority to provide and use that information.

3. INTEGRATIONS, APIs, AND DATA TRANSFERS

QuickLinq may connect with third-party case-management systems, practice-management systems, CRM systems, document-management systems, financial systems, databases, APIs, and other software or technology platforms (“Integrated Systems”).

By initiating, enabling, authorizing, or maintaining an integration, you expressly authorize QuickLinq and its authorized service providers to communicate with the Integrated System and access, retrieve, receive, copy, process, store, organize, display, analyze, transmit, and otherwise use information made available through the permissions you grant and for the Services you authorize.

3.1 Information Accessible Through Integrations

Depending upon the Integrated System, permissions granted, and Services requested, information accessible to QuickLinq may include:

(a) client and claimant information;

(b) contact information;

(c) case, matter, and claim information;

(d) attorney and law-firm information;

(e) insurance and liability information;

(f) settlement and demand information;

(g) medical-provider, treatment, and expense information;

(h) liens and receivables;

(i) financial and funding information;

(j) documents, correspondence, notes, reports, and attachments;

(k) workflow and status information; and

(l) metadata and related system information.

3.2 Information Leaves the Integrated System

YOU EXPRESSLY ACKNOWLEDGE THAT INFORMATION ACCESSED THROUGH AN INTEGRATED SYSTEM MAY LEAVE THAT SYSTEM AND BE TRANSMITTED TO QUICKLINQ AND, WHERE AUTHORIZED, TO INDEPENDENT THIRD-PARTY COMPANIES AND SERVICE PROVIDERS.

Once transmitted to QuickLinq, information may be processed, stored, analyzed, transmitted, and otherwise used as reasonably necessary to provide the Services, fulfill authorized requests, facilitate transactions, support enabled third-party services, maintain and improve the Services, provide support, protect against fraud and security threats, and comply with applicable law.

Authorization of an integration therefore constitutes authorization for information to be transferred from the Integrated System to QuickLinq within the scope of the permissions granted and these Terms.

3.3 Your Responsibility for Integration Authority

By connecting an Integrated System, you represent and warrant that you:

(a) are an authorized user of that system;

(b) have authority to authorize the connection;

(c) have authority to permit QuickLinq to access information through the connection;

(d) are not violating contractual restrictions applicable to your use of the Integrated System; and

(e) have obtained any required notices, permissions, or consents.

The fact that information is technically accessible does not independently establish that you have legal authority to access or disclose it.

3.4 User-Controlled Permissions

The scope of information accessible to QuickLinq may depend upon permissions established by you or the Integrated System.

You are responsible for reviewing those permissions before authorizing an integration.

Where available, you are also responsible for selecting the connected account, matter, document, fields, recipients, and enabled functions.

3.5 Independent Integrated Systems

Integrated Systems are independent third-party products.

Unless expressly stated otherwise, integration with QuickLinq does not mean that an Integrated System provider owns, operates, sponsors, endorses, certifies, approves, or is affiliated with QuickLinq.

QuickLinq cannot guarantee the continued availability, compatibility, functionality, security, accuracy, or API access of an Integrated System.

3.6 Disconnection

You may disconnect an integration where that functionality is available.

Disconnection generally prevents future access through that connection but does not automatically delete information previously obtained, reverse prior authorized disclosures, or terminate transactions already initiated.

3.7 Third-Party Services and Downstream Data Transmission

You expressly acknowledge, understand, and agree that QuickLinq is a technology integration, information-processing, workflow automation, and service-facilitation platform that may enable access to a variety of financial, litigation-support, administrative, technology, commercial, and other services offered by QuickLinq or independent third-party service providers.

You expressly authorize QuickLinq, in connection with Services you enable, request, or otherwise authorize, to access, retrieve, receive, copy, process, organize, analyze, store, and transmit information obtained from Integrated Systems or otherwise provided to QuickLinq to authorized third-party recipients for purposes including, without limitation:

(a) litigation funding, plaintiff advances, attorney financing, medical receivable financing, and other financial products;

(b) medical lien administration, receivable management, servicing, settlement processing, and related services;

(c) litigation support, case evaluation, document preparation, case management, and administrative services;

(d) artificial intelligence, automated document analysis, case summarization, data extraction, and workflow automation;

(e) payment processing, verification, compliance, fraud prevention, collections, and reconciliation;

(f) technology integrations, software applications, data-processing services, and related operational functions; and

(g) other lawful services, products, or transactions made available through QuickLinq that you or your Organization affirmatively request, enable, or authorize.

You acknowledge that such information may leave the original Integrated System and be transmitted to QuickLinq and subsequently to independent third-party companies, service providers, transaction participants, or other authorized recipients.

These recipients may be separate legal entities that are not owned, operated, controlled, sponsored, or endorsed by the Integrated System provider.

You represent and warrant that you have obtained all legally required notices, permissions, authorizations, and consents necessary for QuickLinq to access, process, and disclose such information for the applicable authorized purposes.

Authorization to connect an Integrated System does not, by itself, authorize disclosure of all accessible information to every third-party provider or for unrelated purposes. Disclosures remain subject to applicable permissions, enabled functions, user instructions, and requirements of law.

3.8 No Implied Permission from Integrated System Providers

These Terms govern the relationship between QuickLinq and the User. They do not amend, supersede, or waive the contractual terms, API agreements, privacy requirements, data-access policies, or technical restrictions imposed by an Integrated System provider.

You must use only authorized integrations and permissions.

QuickLinq may disable, suspend, restrict, or modify an integration where reasonably necessary to comply with law or applicable contractual or technical restrictions.

4. FUNDING REQUESTS AND THIRD-PARTY DATA TRANSMISSION

Certain Services permit Users to request or facilitate funding, financing, advances, purchases of receivables, or other financial or commercial products offered by independent third parties (“Funding Providers”).

When you initiate, submit, approve, or otherwise authorize a funding request, you expressly direct and authorize QuickLinq to process the request and transmit information and documentation reasonably related to that request to one or more Funding Providers and other service providers involved in evaluating, processing, underwriting, documenting, administering, servicing, or completing the requested transaction.

4.1 Integrated-System Information

Information transmitted in connection with a funding request may include information:

(a) entered directly into QuickLinq;

(b) uploaded to QuickLinq;

(c) previously provided to QuickLinq;

(d) obtained from an Integrated System; and

(e) obtained from other sources at your direction.

Accordingly, an authorized funding request may result in the following information flow:

INTEGRATED SYSTEM → QUICKLINQ → FUNDING PROVIDER OR OTHER AUTHORIZED SERVICE PROVIDER

4.2 Multiple Funding Providers

QuickLinq may transmit a request to one or more Funding Providers.

QuickLinq may determine which providers receive a request based on transaction type, amount, jurisdiction, case characteristics, provider criteria, availability, technology, workflow, User preferences, commercial relationships, historical performance, or other reasonable operational considerations.

QuickLinq is not obligated to submit every request to every provider.

4.3 Independent Funding Providers

Funding Providers are independent third parties.

They are responsible for their own underwriting, eligibility requirements, pricing, approvals and denials, transaction terms, documentation, regulatory compliance, funding decisions, servicing, information-security practices, and retention and use of information after they properly receive it.

QuickLinq does not guarantee approval, funding, pricing, timing, terms, availability, or completion of a transaction.

4.4 Funding Agreements

Any funding, financing, advance, receivable purchase, lien purchase, or similar transaction is governed by the definitive agreement between the applicable transaction parties (“Funding Agreement”).

The Funding Agreement governs the substantive and economic terms of the transaction.

These Terms govern use of QuickLinq.

4.5 No Obligation to Complete a Transaction

Submitting a request does not obligate a Funding Provider to make an offer and does not obligate you to accept an offer unless a separate binding agreement provides otherwise.

5. NON-FUNDING SERVICES AND THIRD-PARTY SERVICE REQUESTS

In addition to funding-related transactions, QuickLinq may facilitate access to other services offered by QuickLinq or independent third parties (“Third-Party Services”).

Third-Party Services may include, without limitation:

(a) litigation support and case-management services;

(b) medical lien administration and receivable services;

(c) settlement administration and processing;

(d) document preparation, verification, and management;

(e) artificial intelligence, data analysis, and automated workflow services;

(f) administrative, operational, and technology services;

(g) payment, collections, and reconciliation services; and

(h) other lawful financial, commercial, and professional-support services made available through QuickLinq.

5.1 Authorization to Transmit Information

When you request, activate, enable, approve, or otherwise authorize a Third-Party Service, you authorize QuickLinq to transmit information and documentation reasonably necessary to facilitate that service to the applicable independent provider and supporting service providers.

Such information may include information obtained through an Integrated System.

5.2 Independent Providers

Third-party providers operate independently unless expressly stated otherwise.

QuickLinq does not guarantee the performance, availability, quality, accuracy, results, or suitability of any independent Third-Party Service.

5.3 Separate Agreements

A Third-Party Service may be subject to separate terms, agreements, pricing, disclosures, and privacy policies established by the applicable provider.

Those agreements govern the substantive terms of the applicable service or transaction.

5.4 Scope of Authorization

QuickLinq may facilitate multiple categories of services through a single integration.

However, authorization to connect an Integrated System does not automatically authorize the transmission of identifiable client, case, medical, or other confidential information to unrelated third parties for services that have not been requested, enabled, or otherwise lawfully authorized.

6. USER DATA, OWNERSHIP, AND LICENSE

“User Data” means information, documents, records, content, and other materials that you submit, upload, transmit, provide, or authorize QuickLinq to access.

As between you and QuickLinq, you retain your ownership rights, if any, in your underlying User Data.

QuickLinq does not acquire ownership of your underlying identifiable client, case, or proprietary business data merely because the information is processed through the Services.

6.1 License to Process User Data

You grant QuickLinq a non-exclusive, worldwide, royalty-free license and authorization to access, receive, retrieve, reproduce, host, store, organize, transmit, display, analyze, process, and technically modify User Data as reasonably necessary to:

(a) provide and operate the Services;

(b) establish and maintain integrations;

(c) process funding requests and User-directed transactions;

(d) facilitate authorized Third-Party Services;

(e) transmit information to authorized service providers and transaction participants;

(f) communicate with Users;

(g) provide support;

(h) maintain security;

(i) prevent fraud and misuse;

(j) troubleshoot and improve the Services;

(k) maintain transaction and authorization records;

(l) comply with applicable law; and

(m) establish, exercise, or defend legal rights.

This license continues for the period reasonably necessary to fulfill authorized purposes and applicable lawful retention obligations.

6.2 Confidential Information

QuickLinq recognizes that User Data may contain confidential or proprietary information.

QuickLinq will use commercially reasonable measures designed to protect confidential User Data against unauthorized access, use, or disclosure.

QuickLinq may provide access to personnel, contractors, affiliates, subprocessors, and service providers that reasonably require access to perform services for QuickLinq, subject to appropriate confidentiality or data-protection obligations where required.

6.3 User-Directed Disclosures

A disclosure made by QuickLinq at your direction or pursuant to functionality you affirmatively use is not an unauthorized disclosure merely because the recipient is outside your Organization, QuickLinq, or the applicable Integrated System.

Once information has been properly disclosed to an independent Funding Provider or other independent third party, that party's handling of the information may also be governed by its own agreements, privacy policies, and legal obligations.

6.4 Independent Recipient Responsibilities

Independent recipients may act as separate businesses or data controllers under applicable privacy law.

QuickLinq may use reasonable contractual and operational controls where appropriate but cannot guarantee an independent recipient's conduct, information-security practices, retention policies, or regulatory compliance.

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

7. AGGREGATED AND DEIDENTIFIED DATA; ANALYTICS; AI

QuickLinq may create aggregated, anonymized, statistical, or deidentified information derived from User Data and use of the Services (“Deidentified Data”) to the extent permitted by applicable law.

Deidentified Data will be processed so that it does not reasonably identify the applicable individual or User.

QuickLinq may use and retain Deidentified Data for legitimate business purposes including:

(a) analytics;

(b) benchmarking;

(c) research;

(d) market and industry analysis;

(e) risk analysis;

(f) fraud detection;

(g) product development;

(h) workflow optimization;

(i) statistical reporting;

(j) development and improvement of algorithms;

(k) development and improvement of automated systems; and

(l) development and improvement of QuickLinq technology.

QuickLinq may retain Deidentified Data following termination of your account or use of the Services to the extent permitted by applicable law.

7.1 Artificial Intelligence and Automated Technologies

QuickLinq may use artificial intelligence, machine learning, algorithms, and other automated technologies to organize information, extract information from documents, generate summaries, assist workflows, identify relevant information, improve search, perform analytics, facilitate routing or matching, identify potential fraud or inconsistencies, and improve the Services.

Automated outputs may contain errors or omissions.

Unless expressly stated otherwise, such functionality assists Users and is not a substitute for independent legal, medical, financial, underwriting, or other professional judgment.

7.2 Development and Improvement of Technology

QuickLinq may use lawfully processed Deidentified Data for benchmarking, forecasting, product development, service improvement, and training or evaluation of technology, including artificial intelligence, where permitted by law.

QuickLinq will take reasonable measures designed to prevent such information from reasonably identifying a law firm, client, claimant, patient, or other individual.

7.3 QuickLinq Technology

QuickLinq retains all rights in its software, technology, APIs, interfaces, workflows, processes, methodologies, designs, analytics, algorithms, models, configurations, databases, improvements, know-how, and other intellectual property.

Nothing in these Terms requires QuickLinq to disclose source code, model weights, algorithms, proprietary datasets, scoring methodologies, routing logic, security methodologies, or trade secrets.

8. PRIVACY AND INFORMATION SECURITY

QuickLinq's collection, use, processing, disclosure, and retention of personal information is further described in the QuickLinq Privacy Policy.

You acknowledge that the Services involve electronic transmission and processing of information and that no method of electronic storage or transmission can be guaranteed to be completely secure.

QuickLinq maintains commercially reasonable administrative, technical, and organizational safeguards designed to protect information against unauthorized access, acquisition, destruction, alteration, or disclosure.

8.1 Security Responsibilities

You are responsible for maintaining reasonable security over your account, credentials, devices, personnel, and systems.

You must promptly notify QuickLinq if you become aware of unauthorized account access or another circumstance that could materially affect the security of the Services.

8.2 Service Providers

QuickLinq may use cloud-hosting providers, infrastructure providers, communications providers, security providers, analytics providers, integration providers, document-processing providers, payment processors, AI or machine-learning infrastructure providers, and other contractors or subprocessors to operate the Services.

QuickLinq may provide information to such providers to the extent reasonably necessary for them to perform services on QuickLinq's behalf.

8.3 Security Incidents

If QuickLinq becomes aware of a security incident involving User Data for which notification is required under applicable law, QuickLinq will provide notification as required by applicable law.

9. HEALTH AND OTHER SENSITIVE INFORMATION

The Services may process medical, treatment, injury, insurance, financial, lien, receivable, or other sensitive information.

The fact that QuickLinq receives health-related information does not by itself establish that QuickLinq is a “covered entity” or “business associate” under HIPAA.

Where a Business Associate Agreement is legally required for particular Services, the applicable parties must enter into an appropriate Business Associate Agreement before undertaking processing that requires it.

You remain responsible for determining whether information may lawfully be provided to QuickLinq and whether particular notices, authorizations, permissions, or consents are required.

You should not submit specially protected information unless it is reasonably necessary for the requested Service and you are legally authorized to do so.

9.1 Attorney-Client Confidentiality and Privilege

You acknowledge that information accessible through Integrated Systems may include attorney-client privileged communications, attorney work product, confidential case information, or other legally protected material.

You are responsible for determining whether such information may lawfully be disclosed to QuickLinq or independent third-party recipients.

You must assess confidentiality and privilege implications, limit disclosures as legally required, and obtain any necessary client authorization.

QuickLinq does not provide legal advice concerning preservation or waiver of attorney-client privilege.

10. FEES AND PAYMENTS

QuickLinq may charge subscription, technology, administrative, processing, delivery, transaction, servicing, or other fees (“Fees”).

Applicable Fees will be disclosed through the Services, a pricing page, transaction workflow, order form, invoice, separate agreement, or other disclosure before you become obligated to pay them.

Fees may vary by Service, transaction, amount, User, provider, jurisdiction, volume, or commercial arrangement.

10.1 Third-Party Compensation

QuickLinq may receive fees, commissions, referral compensation, technology fees, administrative fees, transaction fees, servicing fees, marketing compensation, revenue-sharing payments, or other compensation from Funding Providers, Users, service providers, or other transaction participants, subject to applicable law.

QuickLinq may have different commercial arrangements with different providers.

Unless required by applicable law, QuickLinq is not required to disclose confidential commercial terms with another party.

10.2 Payment Authorization

If you provide a payment method, you represent that you are authorized to use it and authorize QuickLinq and its payment processors to charge amounts that you authorize.

10.3 Refunds

Unless otherwise disclosed, required by law, or agreed by QuickLinq, Fees are non-refundable after the applicable Service has been performed or the event giving rise to the Fee has occurred.

10.4 Taxes

You are responsible for applicable taxes imposed upon your purchase or use of the Services to the extent legally required.

11. ACCEPTABLE USE

You may use the Services only for lawful purposes consistent with these Terms.

You may not:

(a) use the Services for unlawful, fraudulent, deceptive, abusive, or unauthorized purposes;

(b) submit information you know is materially false, fabricated, fraudulent, misleading, or unlawfully obtained;

(c) impersonate another person or misrepresent your authority;

(d) access an account, API, integration, database, document, or information without authorization;

(e) circumvent authentication, security controls, permissions, or rate limits;

(f) introduce malicious software;

(g) interfere with the operation or security of the Services;

(h) knowingly initiate a fraudulent or unauthorized funding or other service request;

(i) transmit information you knowingly lack authority to transmit;

(j) scrape or systematically extract information through unauthorized automated means;

(k) use unauthorized bots, crawlers, scripts, or automated tools;

(l) probe or test vulnerabilities without QuickLinq's authorization; or

(m) assist another person in prohibited activity.

11.1 Reverse Engineering

Except where applicable law prohibits the restriction, you may not reverse engineer, decompile, disassemble, decode, or attempt to derive QuickLinq's source code, algorithms, models, architecture, or non-public functionality.

11.2 Competitive Replication

You may not use QuickLinq's non-public documentation, proprietary workflows, confidential information, or information obtained through unauthorized access to replicate material proprietary functionality of QuickLinq.

This restriction does not prohibit lawful competition, independent development, or lawful use of publicly available information.

11.3 Enforcement

QuickLinq may investigate suspected misuse and may restrict, suspend, or terminate accounts, integrations, transactions, or functionality where QuickLinq reasonably believes necessary to address fraud, security, legal, contractual, regulatory, or operational risk.

12. INTELLECTUAL PROPERTY

The Services and all associated software, technology, interfaces, designs, trademarks, logos, content, workflows, databases, algorithms, documentation, and other proprietary materials are owned by QuickLinq or its licensors and are protected by applicable intellectual-property laws.

Subject to these Terms, QuickLinq grants you a limited, revocable, non-exclusive, non-transferable right to access and use the Services for their intended purposes.

No ownership rights are transferred to you.

12.1 Feedback

If you provide ideas, suggestions, recommendations, feature requests, or other feedback concerning QuickLinq, you grant QuickLinq a perpetual, irrevocable, worldwide, royalty-free right to use and incorporate that feedback without compensation.

Feedback does not include your User Data merely because the User Data is processed through QuickLinq.

13. THIRD-PARTY SERVICES AND RELATIONSHIPS

The Services may contain integrations, links, functionality, products, offers, communications, or information provided by third parties.

QuickLinq does not control independent third parties and is not responsible for their acts or omissions except to the extent applicable law provides otherwise.

Your relationship with a Funding Provider, Integrated System provider, payment processor, Third-Party Service provider, or other independent third party may be governed by separate agreements and privacy policies.

QuickLinq's interoperability with or reference to a third-party product does not by itself constitute endorsement, sponsorship, certification, partnership, agency, or affiliation.

QuickLinq may serve multiple law firms, Funding Providers, and other service providers and may route authorized requests using User settings, eligibility criteria, availability, technology, or commercial arrangements, subject to applicable law and express written commitments.

14. NO PROFESSIONAL ADVICE

QuickLinq provides technology, workflow, administrative, integration, information-processing, and transaction-facilitation functionality.

Unless expressly agreed otherwise in writing, QuickLinq does not provide legal, tax, accounting, investment, medical, underwriting, or other professional advice.

Nothing available through QuickLinq creates an attorney-client, fiduciary, trustee, advisory, medical-provider, or other professional relationship.

Users remain responsible for independently reviewing material decisions and obtaining professional advice where appropriate.

15. DISCLAIMERS

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

QUICKLINQ DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

QUICKLINQ DOES NOT WARRANT THAT:

(a) THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE;

(b) ALL INFORMATION WILL BE ACCURATE, COMPLETE, OR CURRENT;

(c) AN INTEGRATION OR THIRD-PARTY SERVICE WILL REMAIN AVAILABLE;

(d) A FUNDING OR OTHER SERVICE REQUEST WILL BE APPROVED;

(e) ANY PARTICULAR FUNDING OR SERVICE TERMS WILL BE AVAILABLE;

(f) A TRANSACTION WILL BE COMPLETED;

(g) A THIRD-PARTY PROVIDER WILL ACHIEVE A PARTICULAR RESULT; OR

(h) THE SERVICES WILL SATISFY EVERY USER'S PARTICULAR REQUIREMENTS.

Information originating from Users, Integrated Systems, Funding Providers, and other third parties may contain errors or omissions.

You remain responsible for independently reviewing information when accuracy is material.

16. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, QUICKLINQ AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND REPRESENTATIVES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, BUSINESS OPPORTUNITY, GOODWILL, DATA, OR ANTICIPATED SAVINGS, ARISING OUT OF OR RELATING TO THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, QUICKLINQ'S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES, THESE TERMS, OR THE TRANSACTIONS CONTEMPLATED THROUGH THE SERVICES WILL NOT EXCEED THE GREATER OF:

(A) THE FEES ACTUALLY PAID DIRECTLY BY YOU TO QUICKLINQ FOR THE SERVICES GIVING RISE TO THE CLAIM DURING THE SIX MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY; OR

(B) $1,000.

These limitations apply regardless of the theory of liability and to claims involving integrations, APIs, data processing, data transmission, funding requests, Third-Party Services, third-party disclosures, automated processing, security, retention, deletion, and other services.

Nothing excludes liability that cannot legally be excluded or limited.

17. INDEMNIFICATION

To the extent permitted by law, you agree to defend, indemnify, and hold harmless QuickLinq and its affiliates, officers, directors, employees, contractors, representatives, successors, and assigns from third-party claims, damages, liabilities, judgments, settlements, penalties, costs, and reasonable attorneys' fees arising out of or relating to:

(a) your material breach of these Terms;

(b) your unlawful or unauthorized use of the Services;

(c) User Data provided without required authority;

(d) your failure to provide legally required notice or obtain legally required consent or authorization;

(e) your unauthorized connection of an Integrated System;

(f) your direction that QuickLinq access information you were not authorized to access;

(g) your direction that QuickLinq disclose information you were not authorized to disclose;

(h) a funding or other service request initiated without required authority;

(i) your violation of privacy, confidentiality, professional-responsibility, contractual, or data-protection obligations; or

(j) fraud, willful misconduct, or unlawful activity by you or your Authorized Users.

17.1 Integration and Data Authorization Claims

If you authorize an integration and QuickLinq acts within the technical permissions and instructions you provided, you will indemnify QuickLinq against third-party claims arising because you allegedly lacked authority to connect the system or permit the applicable information to be accessed.

This does not apply to the extent QuickLinq knowingly acted materially outside your authorization.

17.2 Funding and Third-Party Service Authorization Claims

If you initiate or authorize a funding request or Third-Party Service and QuickLinq transmits information reasonably relevant to that request, you will indemnify QuickLinq against third-party claims arising because you allegedly lacked authority to authorize that disclosure.

This does not apply to information QuickLinq knowingly disclosed materially outside your authorization.

18. SUSPENSION AND TERMINATION

QuickLinq may suspend, restrict, or terminate access to some or all Services if QuickLinq reasonably believes:

(a) an account is being used without authorization;

(b) continued access presents fraud, security, legal, regulatory, contractual, reputational, or operational risk;

(c) you materially violated these Terms;

(d) suspension is necessary to protect QuickLinq, another User, an Integrated System, Funding Provider, Third-Party Service provider, or other person;

(e) QuickLinq is required to act by law, court order, governmental request, or contractual obligation; or

(f) the applicable Service or integration is no longer available.

Where reasonably practicable and legally permitted, QuickLinq may provide notice.

18.1 Effect of Termination

Termination or account closure does not:

(a) reverse previously authorized information transfers;

(b) automatically retrieve information from independent third parties;

(c) terminate an independently executed Funding Agreement or other Third-Party Service agreement;

(d) eliminate accrued payment obligations;

(e) prevent retention required or permitted by law; or

(f) eliminate provisions intended to survive termination.

QuickLinq may continue processing information reasonably necessary to complete or administer transactions initiated before termination.

19. DATA RETENTION

QuickLinq may retain User Data for as long as reasonably necessary to:

(a) provide the Services;

(b) complete or administer transactions and authorized Third-Party Services;

(c) maintain business and transaction records;

(d) document authorizations;

(e) comply with legal or regulatory obligations;

(f) resolve disputes;

(g) enforce agreements;

(h) prevent fraud;

(i) maintain security; and

(j) establish, exercise, or defend legal claims.

Deletion or disconnection does not necessarily result in immediate deletion from backups, archives, audit logs, security records, or transaction records.

Information already properly disclosed to an independent Funding Provider or other independent third party is not automatically recalled or deleted when you disconnect QuickLinq.

20. ELECTRONIC COMMUNICATIONS, SIGNATURES, AND RECORDS

You consent to receive agreements, notices, disclosures, records, transaction information, and other communications electronically.

Electronic communications may be provided through QuickLinq, email, portals, electronic documents, or other electronic methods permitted by law.

You agree that electronic signatures, electronic acknowledgments, and electronic records may have the same legal effect as paper documents and handwritten signatures.

QuickLinq may maintain records concerning your electronic acceptance, integration authorization, permissions, service requests, funding requests, transactions, and communications.

20.1 Evidence of Authorization

QuickLinq may maintain reasonably accurate records of Terms acceptance, account identity, integration scopes, clicks, submitted requests, recipient routing, timestamps, and related system events.

Such records may be used to investigate disputes, enforce these Terms, demonstrate authorization, and comply with law, subject to applicable evidentiary rules.

21. GOVERNING LAW AND DISPUTE RESOLUTION

These Terms and disputes arising out of or relating to these Terms or the Services are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except to the extent federal law governs.

21.1 Informal Resolution

Before initiating arbitration or litigation, the party asserting a dispute must provide written notice describing the dispute and requested relief.

The parties will attempt in good faith to resolve the dispute informally for at least thirty (30) days following receipt of the notice.

21.2 Binding Arbitration

Except for disputes that applicable law permits or requires to be resolved in court, disputes arising out of or relating to these Terms or the Services will be resolved through binding individual arbitration administered by the American Arbitration Association (“AAA”) pursuant to the applicable AAA rules.

The Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision.

Unless otherwise required by applicable law or agreed by the parties, arbitration involving a business User will occur in Miami-Dade County, Florida.

21.3 Class-Action Waiver

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND QUICKLINQ AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLASS MEMBER, OR REPRESENTATIVE IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION.

21.4 Jury-Trial Waiver

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FOR ANY DISPUTE THAT PROCEEDS IN COURT RATHER THAN ARBITRATION, YOU AND QUICKLINQ KNOWINGLY AND VOLUNTARILY WAIVE ANY RIGHT TO TRIAL BY JURY.

21.5 Arbitration Opt-Out

You may opt out of the arbitration provision by providing written notice to QuickLinq within thirty (30) days after first accepting these Terms.

The notice must identify you and your account or Organization and clearly state that you are opting out of arbitration.

Opting out of arbitration does not terminate or modify the remaining Terms.

21.6 Court Venue

For disputes not subject to arbitration, and subject to mandatory law, the parties consent to exclusive jurisdiction and venue in the state or federal courts located in Miami-Dade County, Florida.

22. CHANGES TO THE SERVICES AND TERMS

QuickLinq may modify, enhance, restrict, suspend, or discontinue Services, functionality, integrations, or features from time to time.

QuickLinq may update these Terms to reflect changes in law, technology, Services, security, business practices, or regulatory requirements.

Where required by law, QuickLinq will provide notice of material changes.

Continued use after revised Terms become effective constitutes acceptance to the extent permitted by law.

An amendment does not retroactively create authorization for a disclosure that required authorization when originally made.

23. GENERAL PROVISIONS

23.1 Assignment

You may not assign these Terms without QuickLinq's prior written consent except where applicable law provides otherwise.

QuickLinq may assign these Terms in connection with an affiliate reorganization, merger, acquisition, financing, restructuring, sale of equity, sale of assets, or transfer of the QuickLinq business.

23.2 Business Transactions

In connection with a merger, acquisition, financing, restructuring, sale, bankruptcy, or similar transaction, information may be disclosed to appropriate advisers, financing sources, potential counterparties, and successors subject to applicable confidentiality and legal requirements.

23.3 Force Majeure

QuickLinq will not be responsible for delay or failure caused by circumstances beyond its reasonable control, including natural disasters, acts of government, labor disputes, telecommunications failures, internet failures, utility failures, cyberattacks, third-party platform failures, war, terrorism, civil unrest, epidemics, pandemics, or other events beyond QuickLinq's reasonable control.

23.4 Severability

If a provision is determined invalid or unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions will continue in effect.

23.5 Waiver

Failure to enforce a provision does not waive the right to enforce that provision later.

23.6 No Third-Party Beneficiaries

Except where expressly stated or required by law, these Terms do not create contractual rights in third parties.

23.7 Independent Parties

QuickLinq and each User are independent parties. Nothing in these Terms creates a partnership, joint venture, employment, fiduciary, attorney-client, or agency relationship.

23.8 Entire Agreement

These Terms, together with the Privacy Policy and any applicable order form, Data Processing and Integration Addendum, Business Associate Agreement, or other agreement expressly incorporated by reference, constitute the agreement concerning use of the Services.

A Funding Agreement or other Third-Party Service agreement separately governs the substantive terms of the applicable transaction or service.

23.9 Order of Precedence

In the event of a direct conflict:

(a) a Business Associate Agreement controls with respect to Protected Health Information specifically governed by that agreement;

(b) an applicable Data Processing and Integration Addendum controls concerning the specific data-processing issue addressed by that addendum;

(c) a Funding Agreement or other Third-Party Service agreement controls the substantive and economic terms of the applicable transaction or service; and

(d) these Terms otherwise govern use of QuickLinq.

23.10 Headings and Interpretation

Headings are for convenience only.

“Include” and “including” mean “including without limitation.”

Electronic transmission includes API transfer, secure portal transmission, document transmission, and other authorized electronic methods.

24. CONTACT AND LEGAL NOTICES

Questions concerning these Terms may be directed to:

QuickLinq
Support@quicklinq.ai

Legal notices to QuickLinq must be sent to the address or legal-notice email identified above unless QuickLinq designates another address.

QuickLinq may provide notices to you through the Services, your account, the email address associated with your account, or another legally permitted electronic method.

25. EXPRESS ACKNOWLEDGMENT OF DATA ACCESS AND THIRD-PARTY DISCLOSURES

By accepting these Terms, you expressly acknowledge and agree that:

QuickLinq provides technology integration, workflow automation, information-processing, funding facilitation, and other service-facilitation functionality.

QuickLinq is not limited to facilitating litigation funding and may provide or facilitate additional financial, administrative, litigation-support, technology, and commercial services.

When you connect a third-party case-management, practice-management, CRM, or other Integrated System, information may be transmitted from that system to QuickLinq.

Information received by QuickLinq may subsequently be transmitted to independent Funding Providers, Third-Party Service providers, and other authorized recipients in connection with services, products, or transactions you request, enable, or authorize.

Information transmitted may include client information, case information, financial information, medical information, documents, and other information accessible through the applicable authorized integration, to the extent relevant and legally permitted.

The information flow may therefore include:

INTEGRATED SYSTEM → QUICKLINQ → AUTHORIZED FUNDING PROVIDER OR OTHER THIRD-PARTY SERVICE PROVIDER

You represent that you have authority to authorize the connection, the associated access to information, and the applicable downstream disclosures.

You represent that you have obtained any legally required client permissions, notices, and consents.

Funding Providers, Third-Party Service providers, and Integrated System providers are generally independent third parties.

Disconnecting an integration does not reverse information transfers previously authorized by you.

Authorization to connect an Integrated System does not automatically authorize disclosure of all accessible information for unrelated purposes or to unrelated recipients.

Electronic acceptance of these Terms is intended to be legally binding.

26. WEBSITE AND INTEGRATION DISCLOSURES

The following disclosures are intended to be displayed at the applicable points of authorization and submission within the QuickLinq website, application, or integration workflow.

26.1 Integration Authorization Notice

Authorization to Connect and Share Information

By selecting “Authorize & Connect,” you authorize QuickLinq to access, retrieve, process, and transmit information from your connected case-management or other software system.

You understand and agree that information may be transferred outside your connected system and shared with independent third-party companies and service providers to facilitate funding, financial, litigation-support, administrative, technology, document-processing, and other services that you request, enable, or authorize through QuickLinq.

You confirm that you possess the necessary authority and have obtained any required client permissions and consents for these activities.

Your use of QuickLinq is subject to its Terms of Service and Privacy Policy.

26.2 Funding Request Submission Notice

Funding Request Authorization

By selecting “Submit Request,” you instruct QuickLinq to transmit the information and documents included in this request to the applicable independent funding company and other authorized service providers for evaluation, underwriting, processing, documentation, funding, servicing, and related purposes.

Information may be transferred outside your case-management system.

You confirm that you have authority and any required client consent to disclose it.

26.3 Non-Funding Service Request Notice

Third-Party Service Authorization

By selecting “Submit Request,” “Enable Service,” or another applicable authorization control, you authorize QuickLinq to process and transmit information reasonably necessary to facilitate the selected service to the applicable independent third-party service provider and its authorized supporting providers.

Information may include information obtained from your connected case-management or other Integrated System.

You acknowledge that such information may leave the original system and be processed by independent third parties in connection with the service you have requested or authorized.

You confirm that you possess the necessary authority and have obtained any legally required notices, permissions, and consents.

26.4 Recommended Acknowledgment Controls

QuickLinq may require affirmative electronic acceptance of these Terms, integration permissions, and service-specific authorizations.

QuickLinq may maintain records of the accepted Terms version, date, time, User, Organization, integration, applicable request, and recipient category.

The full Terms of Service and Privacy Policy should be made available through conspicuous links before acceptance.

27. FINAL USER ACKNOWLEDGMENT

BY ACCESSING OR USING QUICKLINQ, CONNECTING AN INTEGRATED SYSTEM, SUBMITTING INFORMATION, OR ELECTRONICALLY ACCEPTING THESE TERMS, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THESE TERMS.

YOU FURTHER ACKNOWLEDGE THAT QUICKLINQ MAY ACCESS, PROCESS, AND TRANSMIT INFORMATION FROM AUTHORIZED INTEGRATED SYSTEMS TO QUICKLINQ AND, IN CONNECTION WITH AUTHORIZED SERVICES, TO INDEPENDENT THIRD-PARTY FUNDING COMPANIES AND OTHER SERVICE PROVIDERS.

YOU UNDERSTAND THAT THESE DISCLOSURES MAY OCCUR FOR BOTH FUNDING AND NON-FUNDING SERVICES, SUBJECT TO THE APPLICABLE AUTHORIZATIONS, PERMISSIONS, AND REQUIREMENTS OF LAW.

YOU REPRESENT THAT YOU POSSESS ALL NECESSARY AUTHORITY AND HAVE OBTAINED ANY LEGALLY REQUIRED NOTICES, PERMISSIONS, AND CONSENTS TO AUTHORIZE SUCH ACCESS, PROCESSING, AND DISCLOSURES.

END OF TERMS OF SERVICE