Terms of Use
QFS Redemption Vault

The QFS Redemption Vault Site is intended for use by persons over the age of 21 who are legal residents of sovereign nations participating in the Quantum Financial System. BY CLICKING ANY BUTTON OR BY ACCESSING, BROWSING OR OTHERWISE USING THE SITE YOU REPRESENT AND WARRANT TO US THAT YOU ARE AT LEAST 21 YEARS OF AGE AND ARE A LEGAL RESIDENT OF A QFS-PARTICIPATING JURISDICTION.

The Site is not directed at children under the age of thirteen years old. The Vault does not knowingly collect personal information from children under thirteen years old from the Site. The Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation, including jurisdictions that have not yet adopted GESARA/NESARA protocols.

You may not use or export or re-export any portion of the Site in violation of any applicable laws or regulations, including United States export laws and regulations. The Vault makes no representation that the documents, pages, images or other materials or content on the Site are appropriate or available for use in jurisdictions outside the QFS participating network.

Access to the QFS Redemption Vault requires activation of your quantum-secured account. To activate your QFS account and unlock full platform functionality, you must complete the following mandatory steps:

Until your account is fully activated, you will not be able to: (a) request or receive a QFS Card; (b) process withdrawals exceeding test amounts; (c) access Tier 2 or higher Vault features; (d) participate in humanitarian grant programs; or (e) bridge legacy assets to the QFS Mainnet. Activation typically completes within 3-5 QFS ledger blocks (approximately 6-10 minutes) after deposit confirmation.

Certain areas of the Site are accessible only to registered accountholders. To access the accountholder-only areas of the Site, you will need the username and password you have created, paired with your quantum-secured private key. You are solely responsible for:

1. Authorizing, monitoring, controlling access to and maintaining the strict confidentiality of your username, password, and quantum private key;
2. Not allowing another person to use your username, password, or quantum credentials;
3. Any charges or damages that may be incurred as a result of failing to maintain the strict confidentiality of your username, password, or private key;
4. Promptly informing the Vault in writing of any need to deactivate a username or password because they are no longer useful or necessary;
5. Keeping your email address, phone number, and physical address up to date in your Vault profile.

The Vault is not liable for any harm arising from or related to the theft or unauthorized disclosure of usernames, passwords, private keys, or any decision by you to allow another person or entity to access and use the Site using your credentials. You must immediately notify the Vault of any actual or suspected unauthorized use of your username, password, or private key or of any compromise or other breach of confidentiality relating to your credentials. Until the Vault receives this notification from you, you will be held liable for any harm ensuing from the use of your credentials on the Site.

Your ability to access accountholder-only areas of the Site associated with any given username or password may be suspended or terminated for any reason at any time, subject to applicable law and GESARA/NESARA protocols.

The QFS Card is an ISO 20022-compliant, quantum-secured digital and physical payment instrument that allows you to spend your QFS-backed assets at merchants worldwide. To request and receive a QFS Card, you must meet the following requirements:

QFS Cards remain the property of the Vault and are issued under license. You agree not to transfer, sell, lend, or otherwise allow third-party use of your QFS Card. Lost or stolen cards must be reported immediately via the Vault dashboard or hotline. Replacement cards may incur a nominal fee. The Vault reserves the right to suspend or cancel QFS Card privileges for suspected fraud, AML/CTF concerns, or violation of these Terms.

The QFS Redemption Vault provides quantum-secured withdrawal services for your asset-backed tokens, XRP, and other supported digital assets. The following withdrawal policies apply:

Withdrawal processing times vary by asset type: XRP and XLM typically settle in 3-5 seconds; fiat off-ramps may take 1-3 business days depending on your receiving bank's participation in the QFS network. All withdrawals are subject to quantum verification and AML/CTF screening. The Vault reserves the right to delay or reject withdrawals that trigger compliance alerts, pending manual review by the Quantum Compliance Council.

To maintain the integrity and security of the QFS network, the Vault enforces strict inactivity policies. Accounts that remain inactive for extended periods pose security risks and consume quantum validator resources.

"Activity" is defined as any of the following: logging into your Vault dashboard, executing a transaction (deposit, withdrawal, transfer, or swap), updating your profile information, or responding to a Vault communication. Mere receipt of email notifications or price alerts does not constitute account activity.

The Site, all content, any materials downloaded, and all intellectual property pertaining to or contained on the Site are owned by the Vault or third parties; all right, title and interest therein shall remain the property of the Vault and/or such third party owner, as applicable. All content is protected by trade dress, copyright, patent and trademark laws, as well as various other intellectual property and unfair competition laws.

You are permitted to view and retain a copy of the pages of the Site for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on the Site for your own personal, non-commercial use. You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the internet, or in any way distribute or exploit the Site, or any portion of the Site, for any public or commercial use without the express written consent of the Vault.

Additionally, you agree that you (i) will not remove or alter any author, trademark or other proprietary notice or legend displayed on this Site (or printed pages produced from the Site), and (ii) will not make any other modifications to any documents obtained from the Site other than in connection with completing information required to transact business through the Site.

The information and materials contained in the Site, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of the Site and systems, including unauthorized entry into the Vault's quantum-secured systems, misuse of passwords or private keys, or misuse of any information posted on the Site, is strictly prohibited.

Not all Vault-branded products or services may be available in all geographic areas. Access to certain features depends on your jurisdiction's GESARA/NESARA adoption status, ISO 20022 compliance level, and quantum infrastructure readiness.

THIS SITE MAY CONTAIN LINKS TO WEB SITES CONTROLLED OR OFFERED BY THIRD PARTIES. THE VAULT HEREBY DISCLAIMS LIABILITY FOR, ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD PARTY SITES LINKED TO THE SITE. BY PROVIDING A LINK TO A THIRD PARTY WEB SITE, THE VAULT DOES NOT ENDORSE OR RECOMMEND ANY PRODUCTS OR SERVICES OFFERED OR INFORMATION CONTAINED AT THAT WEB SITE, NOR IS THE VAULT LIABLE FOR ANY FAILURE OF ANY PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT THOSE SITES. SUCH THIRD PARTY MAY HAVE A PRIVACY POLICY DIFFERENT FROM THAT OF THE VAULT AND THE THIRD PARTY WEBSITE MAY PROVIDE LESS SECURITY THAN THE SITE.

THE INFORMATION AND THESE MATERIALS CONTAINED IN THE SITE, INCLUDING TEXT, GRAPHICS, LINKS, PAYMENT SERVICES, OR OTHER ITEMS, ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS OR IMPLIED, BY STATUTE, COMMON LAW OR OTHERWISE, INCLUDING ALL IMPLIED WARRANTIES ARISING FROM A COURSE OF DEALING, USAGE, OR TRADE PRACTICE.

THE VAULT DOES NOT WARRANT THE ACCURACY, ADEQUACY, RELIABILITY, OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THEM. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS OF THE SITE, THE MOBILE APPLICATION OR THIRD PARTY SITES THAT MAY BE LINKED.

WITH RESPECT TO THE SITE OR ANY THIRD PARTY SITE LINKED, THERE ARE NO WARRANTIES OR LIABILITY WITH RESPECT TO OPERABILITY OR THAT YOUR NEEDS WILL BE MET OR THAT INFORMATION (INCLUDING BALANCE AND PAYMENT INFORMATION) OR FUNCTIONALITY WILL BE CORRECT, ACCURATE, TIMELY, RELIABLE, FREE FROM ERRORS OR DEFECTS, OR UNINTERRUPTED, OR THAT RELATED SERVERS WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU EXPRESSLY AGREE THAT YOUR USE OF THE FOREGOING IS AT YOUR SOLE RISK.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH STATES LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS IN THIS PROVISION MAY NOT APPLY TO YOU.

IN NO EVENT WILL THE VAULT OR ANY OF ITS EMPLOYEES, EXECUTIVES, CONTRACTORS, AGENTS, PARENT COMPANIES, AFFILIATES, BANKING OR BUSINESS PARTNERS, INCLUDING QUANTUM VALIDATOR NODE OPERATORS (EACH A "VAULT PARTY" AND TOGETHER THE "VAULT PARTIES") BE LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, EXEMPLARY, LIQUIDATED, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF A VAULT PARTY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

PLEASE READ THIS PROVISION OF THE TERMS OF USE CAREFULLY AS IT WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE, UNLESS YOU PROMPTLY REJECT IT AS PROVIDED BELOW.

THIS ARBITRATION AGREEMENT DOES NOT APPLY IF, AS OF THE DATE OF THIS AGREEMENT, OR AT ANY TIME WHILE THIS AGREEMENT IS IN EFFECT, YOU ARE A MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH A MEMBER COVERED UNDER THE MILITARY LENDING ACT.

a. Claim Definition: A "Claim" under this section is any unresolved claim, dispute, or controversy between you and us whether past, present or future, arising out of or related to these Terms of Use or use or access of the Site. A "Claim" includes disputes concerning the validity or enforceability of this Arbitration Agreement. "Claim" has the broadest possible meaning and includes initial claims, counterclaims, cross-claims, and third-party claims whether based upon contract; tort; fraud; a constitution, statute, regulation, ordinance, common law, and/or equity; or otherwise. Notwithstanding the foregoing, Claim does not include Public Injunctive Relief Requests or any individual actions brought in small claims court.

b. Notice of Claim: Before starting a lawsuit or arbitration, the party electing to commence a proceeding must give the other party written notice of the Claim. The notice must include: (1) the name, telephone number, mailing address, and email address of the party seeking arbitration; (2) reasonable detail of the Claim, including supporting facts; (3) the remedy sought and a good-faith calculation of the amount in controversy, expressed in United States Dollars; and (4) the original signature of the party making a Claim. You must send the notice in writing to QFS Redemption Vault, 1193 Quantum Plaza, Suite 2400, New York, NY 10001, Attn: Legal – Arbitration Election.

c. Governing Law: This Arbitration Agreement is governed by the Federal Arbitration Act ("FAA"), and not by any state arbitration law. The arbitrator shall follow substantive law consistent with the FAA. Each arbitration will be administered by the American Arbitration Association ("AAA") according to the rules in this Arbitration Agreement and the procedures of the AAA. A single arbitrator will be appointed. All arbitrators must be practicing attorneys or retired judges experienced and knowledgeable in the substantive laws applicable to the Claim.

d. Fees and Costs: If you cannot obtain a waiver of the AAA's or arbitrator's filing, administrative, hearing, and/or other fees, we'll agree upon request to cover these fees up to one thousand five hundred dollars ($1,500) unless the arbitration administrator decides that its rules or law require that our share of fees and costs be more. Each party will bear the expense of its own attorneys, experts, and witnesses, regardless of which party prevails unless the arbitrator decides that the prevailing party has a right to recover any of those fees or costs from the other party.

e. Class Action Waiver: TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ANY CLAIM ARISING OUT OF THE TERMS OF USE OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND US WILL PROCEED ON AN INDIVIDUAL BASIS AND WILL NOT PROCEED AS PART OF A CLASS, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL ACTION IN COURT OR ARBITRATION.

f. Right to Opt Out: You may opt out of this Arbitration Agreement by mailing a signed opt out notice to QFS Redemption Vault, 1193 Quantum Plaza, Suite 2400, New York, NY 10001, Attn: Terms of Use Arbitration Rejection Notice, which is received at the noted address within sixty (60) calendar days of the date you accessed our Site. The opt-out notice must include your name, address, email address, phone number, a statement of your rejection of this Arbitration Agreement, and your signature or e-signature.

The Terms of Use are governed by the laws of the State of New York, excluding conflicts of law provisions, except that the Arbitration Agreement set forth above is governed by the Federal Arbitration Act (9 U.S.C. §§ 1-16 ("FAA")). To the extent that any dispute arising under these Terms is not arbitrated, you consent to the exclusive jurisdiction of, and agree that such dispute may be resolved by, state or federal courts located in New York, New York.

Notwithstanding the foregoing, the Vault recognizes the supremacy of GESARA/NESARA protocols where applicable, and in the event of conflict between state law and GESARA/NESARA humanitarian frameworks, the latter shall prevail to the extent permitted by international treaty obligations.

Assignment

You may not assign your rights or delegate your duties under these Terms of Use without our prior written consent. You agree that these Terms and any other agreements referenced herein may be assigned by us, in our sole discretion, to a third party in the event of a merger or acquisition, or sale of all or substantially all of our assets.

Compliance with Laws

You assume all knowledge of applicable law and you are responsible for compliance with any such laws. You may not use the Site in any way that violates applicable state, federal, or international laws, regulations or other government requirements, including sanctions programs administered by OFAC.

Integration

These Terms of Use (including any policies described in these Terms of Use, which are incorporated herein by this reference), contain the entire understanding of the parties regarding their subject matter and supersede all prior and contemporaneous agreements and understandings between the parties regarding their subject matter.

No Relationship

No agency, partnership, joint venture, or employee-employer relationship is intended or created by these Terms of Use.

Force Majeure

We will not be liable for any failure or deficiency in the performance or availability of the Site by reason of the occurrence of any event beyond our reasonable control, including without limitation, a labor disturbance, an Internet outage, interruption of service, communication outage, failure by our service provider, fire, terrorism, natural disaster, pandemic, act of God, quantum decoherence event, or failure of quantum validator node consensus.

Waiver

No failure or delay by a party in exercising any right, power or privilege under these Terms will operate as a waiver thereof, nor will any single or partial exercise of any right, power or privilege preclude any other or further exercise thereof or the exercise of any other such right, power, or privilege.