Terms and Conditions

Last Updated: January 12, 2026

These Terms and Conditions(“Terms”) govern your access to and use of the website located atqlifedirect.com (the “Site”). The Site is owned and operated by ImagineQ, LLCon behalf of Q Life Settlements LLC (collectively, “QLife Direct,” “we,” “us,”or “our”). By accessing or using the Site, or by submitting information throughany form on the Site, you agree to be bound by these Terms. If you do not agreeto these Terms, please do not use the Site.

About the Site and Our Services

QLife Direct is a lead generation website for life settlement brokerage services. The Site allows you to complete a calculator form to receive a free, no-obligation estimate of what your existing life insurance policy might be worth if sold through a life settlement.The Site does not sell any products or services, does not process payments, and is not an e-commerce platform. No purchase is ever required. We do not charge you any fee to use the Site or to receive an estimate.When you submit information through the Site, your information may be shared with licensed life settlement brokers and representatives at Q Life Settlements LLC, who may contact you to evaluate your policy and discuss whether a life settlement may be available to you. The actual life settlement process — including any evaluation, offer, or transaction — is handled separately by Q Life Settlements LLC, a licensed life settlement broker.

No Medical, Legal, Financial, or Tax Advice

The Site and any estimate, content, or communication provided through it are for general informational purposes only. QLife Direct does not provide medical, legal, financial, investment, insurance, or tax advice, and nothing on the Site should be construed as such advice.Any valuation or estimate generated by the calculator form is an estimate only. It is not an offer, a guarantee, an appraisal, or a binding commitment of any kind, and it may differ significantly from any actual offer (if any) that may result from a formal evaluation. You should consult your own qualified professional advisors before making any decision regarding your life insurance policy or a potential life settlement.

No Guarantee of Offer or Eligibility

Submitting a form on the Site does not guarantee that you will receive a life settlement offer, a specific valuation amount, or any contact from a broker or representative. Not all life insurance policies qualify for a life settlement.Life settlements are regulated financial transactions, and the availability and terms of life settlements vary by state and by individual circumstances. Eligibility depends on factors including, but not limited to, the type and size of policy, the insured’s age and health, and applicable state regulations. We make no representation or warranty that you, your policy, or your jurisdiction will qualify for a life settlement.

Licensing and Regulatory Disclosure

Life settlement transactions are regulated at the state level. Q Life Settlements LLC is a licensed life settlement broker. Licensing requirements, consumer protections, and the availability of life settlements differ from state to state, and services may not be available in all states. Nothing on the Site constitutes an offer or solicitation in any jurisdiction where such an offer or solicitation would be unlawful.

Eligibility and Age Requirement

The Site is intended for use only by individuals who are at least 18 years of age and who own, or are authorized to act with respect to, an existing life insurance policy. Life settlements are generally relevant to older adults, and the Site is primarily directed to individuals who are typically age 65 or older. By using the Site, you represent and warrant that you meet these requirements and that all information you provide is true, accurate, and complete.

Information You Provide and Health Information

As part of evaluating the potential value of a life insurance policy, the calculator form may ask you to provide certain information, which may include personal information and information about health status or medical conditions. You provide all such information voluntarily.By submitting information through the Site, you consent to the collection, use, and sharing of that information as described in these Terms and in our Privacy Policy. Your information may be shared with Q Life Settlements LLC and its licensed brokers and representatives so that they may contact you and evaluate your policy. For details on how we collect, use, and protect your information, please review our Privacy Policy.

Consent to Be Contacted (Phone and Text)

When you submit a form on the Site and provide your telephone number, you may be asked to consent to be contacted by Q Life Settlements LLC by telephone call and/or SMS text message regarding your life insurance policy inquiry, including through the use of automated technology where applicable. Where you provide such consent, it applies even if your number is listed on any state or federal Do-Not-Call registry.Your consent to be contacted by phone or text is not a condition of receiving an estimate or any service. You may decline to provide consent or withdraw it at any time as described below. Standard message and data rates from your carrier may apply.

SMS Text Messaging Terms

By submitting a form on this website, you may consent to receive SMS text messages from Q Life Settlements LLC regarding your life insurance policy inquiry. Message frequency varies based on your inquiry and interaction with our representatives. Message and data rates may apply.To opt out of SMS messages at any time, reply STOP to any message received from Q Life Settlements LLC. You will receive one confirmation message confirming your opt-out, after which no further SMS messages will be sent.To opt back in to SMS communications, reply START. For help, reply HELP or contact us at info@qlifesettlements.com.Q Life Settlements LLC does not share your phone number with third parties for marketing purposes. Consent to receive SMS messages is not a condition of any purchase or service. This SMS program is operated by Q Life Settlements LLC, 102 NE 2nd St., Suite 202, Boca Raton, FL 33432.

Acceptable Use

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree that you will not:• Provide false, inaccurate, or misleading information, or submit information on behalf of another person without authorization;• Use the Site in any way that violates any applicable federal, state, local, or international law or regulation;• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any part of the Site or its underlying systems; or• Use any automated means or device to access, scrape, or collect information from the Site.

Intellectual Property

The Site and its contents, including text, graphics, logos, and design, are owned by or licensed to ImagineQ, LLC and/or Q Life Settlements LLC and are protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from any part of the Site without our prior written permission.

Third-Party Links

The Site may contain links to third-party websites or resources that are not owned or controlled by us. We are not responsible for the content, products, services, or practices of any third-party websites, and we do not endorse them. Your use of any third-party website is at your own risk and subject to that website’s own terms and policies.

Disclaimer of Warranties

THE SITE AND ALL CONTENT, ESTIMATES, AND INFORMATION PROVIDED THROUGH IT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY ESTIMATE OR INFORMATION WILL BE ACCURATE OR COMPLETE.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL IMAGINEQ, LLC, Q LIFE SETTLEMENTS LLC, OR THEIR RESPECTIVE OFFICERS, MEMBERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR DATA, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE OR ANY ESTIMATE OR INFORMATION PROVIDED THROUGH IT, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification

You agree to indemnify, defend, and hold harmless ImagineQ, LLC, Q Life Settlements LLC, and their respective officers, members, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

Governing Law

These Terms and any dispute arising out of or relating to them or the Site shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of laws principles, except to the extent that the Federal Arbitration Act governs the arbitration provision above.

Changes to These Terms

We may revise these Terms from time to time in our sole discretion. The “Last Updated” date at the top of this page indicates when these Terms were last revised. Your continued use of the Site after any changes become effective constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

Severability and Waiver

If any provision of these Terms is held to be invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of that right or provision.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding your use of the Site and supersede any prior agreements or understandings.

Entire Agreement

If you have any questions about these Terms, please contact us at:Q Life Settlements LLC102 NE 2nd St., Suite 202Boca Raton, FL 33432Email: info@qlifesettlements.com