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Effective Date: August 11, 2026
Last Updated: August 11, 2026

These Terms and Conditions ("Terms") govern your access to and use of the website, portals, communications, and services made available by Qubera Holdings LLC ("Qubera," "Company," "we," "us," or "our").

Qubera Holdings LLC
505 Carr Road, Suite 200
Wilmington, DE 19809
Website: quberahc.com
Email: help@quberahc.com
Phone: (916) 530-7346

By accessing or using our website or services, you acknowledge that you have read and understood these Terms and agree to be bound by them to the extent applicable.

1. ABOUT QUBERA HOLDINGS LLC

Qubera Holdings LLC provides debt settlement administration and servicing functions.

Depending upon the applicable program and contractual relationships, these functions may include the end-to-end servicing and administration of enrolled debt settlement accounts, creditor negotiations, payment and settlement coordination, compliance oversight, client support, settlement execution, account servicing, and program performance management.

Qubera may provide these services directly or in coordination with debt settlement providers, financial service providers, dedicated account providers, payment processors, law firms, creditors, debt collectors, technology providers, and other service providers.

The specific services applicable to a particular consumer are governed by the agreements, authorizations, and disclosures associated with that consumer's debt settlement program.

These Terms are intended primarily to govern use of Qubera's website and general services and are not intended to replace any consumer enrollment agreement, debt settlement agreement, payment authorization, dedicated account agreement, or other program-specific agreement.

2. DEBT SETTLEMENT SERVICES

Debt settlement generally involves attempting to negotiate with creditors or debt collectors to resolve eligible unsecured debts for amounts or on terms that differ from the amounts or terms originally owed.

Where authorized and applicable, Qubera may assist with administrative and servicing functions related to such programs, including communicating with creditors or their representatives, maintaining account information, facilitating settlement activity, coordinating authorized payments, providing consumer support, monitoring program performance, and maintaining compliance-related records.

The precise nature of Qubera's responsibilities may vary depending upon the program, consumer agreement, service provider, creditor, and applicable law.

3. NO GUARANTEE OF RESULTS

Debt settlement outcomes vary substantially from consumer to consumer.

Qubera does not guarantee that:

• any creditor or debt collector will agree to negotiate;

• any creditor will agree to settle a debt;

• any particular debt will be settled;

• a particular settlement amount or percentage will be achieved;

• a consumer will achieve any specific amount of savings;

• all enrolled debts will be resolved;

• settlements will occur within a particular period;

• collection activity will stop;

• creditors or debt collectors will stop contacting a consumer;

• creditors or debt collectors will not pursue litigation or other collection remedies;

• participation in a debt settlement program will improve a consumer's credit score or creditworthiness; or

• any particular financial outcome will be achieved.

Past performance, historical settlement results, estimates, illustrations, or examples are not guarantees of future results.

4. RISKS OF DEBT SETTLEMENT

Debt settlement programs involve risks and may not be appropriate for every consumer.

Depending upon a consumer's circumstances and the actions of creditors, participation in a debt settlement program may result in:

• continued collection activity;

• collection calls or correspondence;

• additional interest, late charges, or other amounts being added to an account where permitted;

• adverse effects on credit reports, credit scores, or creditworthiness;

• accounts becoming further delinquent;

• creditors referring or selling accounts to collection agencies or debt buyers;

• creditors or collectors initiating lawsuits or other collection proceedings;

• judgments or other legal remedies;

• tax consequences associated with forgiven debt; and

• other financial or legal consequences.

Qubera does not control the actions of creditors, debt collectors, courts, credit reporting agencies, or other independent third parties.

Consumers should carefully review all applicable program agreements and disclosures and should consult qualified legal, tax, or financial professionals when appropriate.

5. FEES AND PROGRAM TERMS

Any fees associated with a consumer's debt settlement program will be governed by the applicable enrollment agreement, service agreement, fee schedule, disclosures, and applicable law.

Nothing contained on quberahc.com modifies the fees, payment requirements, settlement procedures, or other terms contained in a consumer's applicable program documents.

Where applicable, fees for debt relief services will be charged only as permitted by applicable federal and state law.

The specific fees applicable to an individual consumer should be reviewed in that consumer's enrollment and program documentation.

6. DEDICATED ACCOUNTS AND PAYMENT PROCESSING

Certain debt settlement programs may involve a dedicated account into which consumers deposit funds intended for settlements, program-related payments, or other authorized purposes.

Dedicated accounts may be established, maintained, or administered by independent third-party financial institutions, payment providers, or account administrators.

Qubera is not a bank.

Unless expressly stated otherwise in applicable account documentation, funds maintained in an independent dedicated account are not held directly by Qubera.

The ownership, withdrawal rights, fees, procedures, and other terms applicable to a dedicated account are governed by the agreement between the consumer and the applicable account provider.

Qubera may receive information concerning dedicated account balances, deposits, withdrawals, settlement payments, or other transactions when reasonably necessary to administer or service a consumer's debt settlement program.

7. CREDITOR NEGOTIATIONS AND SETTLEMENTS

Where Qubera is authorized to perform creditor negotiation or settlement administration services, Qubera may communicate with creditors, debt collectors, debt buyers, servicing companies, law firms, or other authorized representatives concerning enrolled accounts.

Creditors and their representatives are independent third parties.

Qubera does not control whether a creditor will negotiate, when a creditor will negotiate, what settlement terms a creditor may offer, whether a settlement offer will remain available, or whether a creditor will pursue collection activity.

Where consumer approval or authorization of a settlement is required, settlement activity will be handled in accordance with applicable program documents and applicable law.

8. CONSUMER RESPONSIBILITIES

Consumers participating in programs administered or serviced by Qubera may be required to:

• provide complete, current, and accurate information;

• promptly report changes to contact information;

• provide requested account or creditor information;

• review communications concerning their program;

• review settlement offers when presented;

• provide required settlement authorizations;

• maintain sufficient funds when necessary for authorized settlements;

• communicate material changes in financial circumstances;

• respond to reasonable requests for information;

• provide documents reasonably necessary to administer enrolled accounts; and

• comply with applicable enrollment and service agreements.

Failure to satisfy applicable program responsibilities may delay, prevent, or otherwise affect settlement activity.

9. NO LEGAL, TAX, ACCOUNTING, OR INVESTMENT ADVICE

Unless expressly provided through a separately identified and appropriately licensed professional, Qubera does not provide legal, tax, accounting, investment, or credit-repair advice.

Information provided through Qubera's website, representatives, systems, customer support personnel, or communications is intended for general informational, administrative, or servicing purposes.

Consumers should consult an attorney, tax professional, accountant, financial professional, or other qualified adviser regarding matters requiring professional advice.

10. NO GOVERNMENT AFFILIATION

Qubera Holdings LLC is a private company.

Qubera is not a government agency and is not affiliated with, sponsored by, approved by, or endorsed by the United States government or any federal, state, or local government agency unless expressly stated otherwise.

11. COMMUNICATIONS

When you provide Qubera with your contact information, Qubera may communicate with you regarding matters related to your account or services, including:

• account administration;

• customer support;

• creditor communications;

• settlement opportunities;

• settlement authorizations;

• payment or transaction information;

• required documents;

• compliance matters;

• account status;

• security issues; and

• other service-related matters.

Communications may occur through telephone, email, mail, electronic portal, text message, or other methods permitted by applicable law and applicable consumer agreements and consents.

Marketing communications, automated calls, prerecorded calls, artificial-voice calls, and text messages, where applicable, are subject to separate consent requirements and applicable federal and state laws.

Consent to receive marketing communications is not a condition of purchasing services unless otherwise permitted by applicable law.

Questions concerning communications may be directed to help@quberahc.com or (916) 530-7346.

12. ELECTRONIC COMMUNICATIONS

Where you have provided legally sufficient consent to electronic communications, Qubera may provide agreements, disclosures, notices, settlement information, account information, authorizations, and other documents electronically.

You are responsible for maintaining accurate contact information and access to the email address, telephone number, electronic device, or online account associated with your services.

13. WEBSITE USE

You agree to use quberahc.com and Qubera's electronic systems only for lawful purposes.

You may not:

• attempt to obtain unauthorized access to Qubera systems or accounts;

• interfere with the operation or security of our website;

• introduce viruses, malicious software, or harmful code;

• circumvent security measures;

• impersonate another individual;

• submit knowingly false or misleading information;

• access another consumer's information without authorization;

• scrape or systematically extract information without authorization; or

• use information obtained through Qubera's systems for unauthorized commercial or unlawful purposes.

Qubera may restrict or terminate access to its website, portal, or systems where reasonably necessary to protect Qubera, consumers, service providers, or the security of its systems.

14. INTELLECTUAL PROPERTY

Unless otherwise indicated, content appearing on quberahc.com, including trademarks, logos, graphics, text, designs, software, interfaces, and other materials, is owned by or licensed to Qubera and may be protected by applicable copyright, trademark, and other intellectual property laws.

Use of Qubera's website does not transfer ownership of any Qubera intellectual property.

15. THIRD-PARTY SERVICES

Qubera's services may involve or integrate with independent third parties, including:

• creditors;

• debt collectors;

• debt buyers;

• financial institutions;

• dedicated account providers;

• payment processors;

• law firms;

• technology providers;

• communication providers;

• document providers;

• compliance providers; and

• other service providers.

Qubera is not responsible for the independent acts, systems, websites, policies, decisions, or practices of unaffiliated third parties except to the extent responsibility is imposed upon Qubera by applicable law or contractual obligation.

16. WEBSITE DISCLAIMER

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, QUBERA'S WEBSITE AND GENERAL WEBSITE CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

QUBERA DOES NOT WARRANT THAT ITS WEBSITE WILL ALWAYS BE AVAILABLE, UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

Nothing in these Terms excludes warranties, obligations, or consumer rights that cannot legally be waived.

17. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, QUBERA SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING SOLELY FROM USE OF OR INABILITY TO USE QUBERA'S WEBSITE.

This provision does not limit obligations or liabilities that cannot lawfully be limited and does not supersede obligations Qubera may have under a separate consumer service agreement.

18. PRIVACY

Qubera's collection, use, disclosure, retention, and protection of personal information are described in our Privacy Policy.

The Privacy Policy is incorporated into these Terms by reference to the extent permitted by applicable law.

Questions concerning privacy may be directed to:

Email: help@quberahc.com
Phone: (916) 530-7346

19. STATE-SPECIFIC RIGHTS AND REQUIREMENTS

Debt settlement, debt adjustment, consumer financial services, privacy, communications, and consumer protection laws vary by state.

Qubera operates and provides or supports services on a nationwide basis, subject to applicable laws, contractual relationships, licensing requirements, exemptions, registrations, and other regulatory requirements.

Nothing in these Terms is intended to waive any right or protection that cannot legally be waived under applicable federal or state law.

If a provision of these Terms conflicts with a mandatory requirement of applicable law, the applicable legal requirement will control to the extent of the conflict.

20. CHANGES TO THESE TERMS

Qubera may modify these Terms periodically to reflect changes in our website, services, technology, business practices, or legal and regulatory requirements.

Updated Terms may be posted on quberahc.com with a revised "Last Updated" date.

Where required by applicable law, Qubera will provide additional notice of material changes.

21. SEVERABILITY

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will continue in effect to the maximum extent permitted by law.

22. NO WAIVER

Qubera's failure to enforce a provision of these Terms does not constitute a waiver of that provision or Qubera's right to enforce it later.

23. GOVERNING LAW

Except where applicable consumer protection law requires otherwise, these Terms and disputes arising solely from use of Qubera's website will be governed by the laws of the State of Delaware, without regard to conflict-of-law principles.

A consumer's enrollment agreement, debt settlement agreement, or other program-specific agreement may contain separate provisions concerning governing law, dispute resolution, arbitration, jurisdiction, or venue.

Where applicable, those program-specific provisions will govern matters arising under the applicable agreement.

24. CONTACT QUBERA

Questions, concerns, complaints, or other inquiries regarding these Terms or Qubera's services may be directed to:

Qubera Holdings LLC
505 Carr Road, Suite 200
Wilmington, DE 19809

Website: quberahc.com
Email: help@quberahc.com
Phone: (916) 530-7346

Customer service and compliance inquiries may be submitted using the contact information above.

INTERIM POLICY NOTICE

These Terms and Conditions are an interim website policy intended for general use while Qubera Holdings LLC develops and reviews its final policies with qualified legal and regulatory counsel.

These Terms are not intended to replace a consumer's enrollment agreement, debt settlement agreement, dedicated account agreement, payment authorization, or other program-specific contract.