Pay by FinCliq Agreement

This Pay by FinCliq Program Disclosure (“Disclosure”) describes the terms under which Consulytica members may access FinCliq’s buy now pay later payment services through the Consulytica Financial Ascension Program. This Disclosure supplements both Consulytica’s Terms of Service and FinCliq’s own Terms and Conditions, which govern the actual payment transactions.

FinCliq is operated by FinCliq Inc., including its subsidiary FinCliq Loan Services LLC, which is a separate legal entity from Consulytica. By using Pay by FinCliq through the Consulytica platform, you agree to both this Disclosure and FinCliq’s Terms and Conditions available at fincliq.io/terms-conditions.

1. What is Pay by FinCliq

Pay by FinCliq is an interest-free installment payment service that allows eligible Consulytica members to purchase goods and services at participating merchants and repay the amount over time in equal installments. The program is called “Pay by FinCliq” and is accessible through the Consulytica member platform.

FinCliq is not a lender. All installment plans are interest-free. FinCliq is a financial technology company that facilitates payment plans in conjunction with merchant cash advances to participating businesses.

2. Member Access and Eligibility

2.1 ProV Score Stage Requirements

Your access to Pay by FinCliq and your available purchasing power are determined by your current Consulytica ProV 24:V3 program stage. As your stage advances, your purchasing power increases:

• Stage 1 — Awareness (0-250 points): Pay by FinCliq not available
• Stage 2 — Connection (251-400 points): Pay by FinCliq available
• Stage 3 — Foundation (401-600 points): Pay by FinCliq available with expanded plan options
• Stage 4 — Access (601-800 points): Pay by FinCliq available with higher purchasing power
• Stage 5 — Ascension (801-1,000 points): Full Pay by FinCliq access including store credit options

Your ProV 24:V3 score stage establishes your eligibility. Individual transaction approval, down payment percentage, plan availability, and specific purchasing limits are determined by FinCliq based on its own risk assessment criteria in addition to your program stage.

2.2 FinCliq Risk Assessment

FinCliq evaluates each transaction using its own risk assessment process, which may include your Consulytica profile data, bank account information, payment history, and other factors. Reaching a particular Consulytica stage does not guarantee approval of any specific transaction or plan.

3. How Pay by FinCliq Works

1. You select a purchase at a participating merchant and choose Pay by FinCliq at checkout
2. FinCliq presents available payment plan options based on your profile and the purchase amount
3. You review and accept the plan terms, including the down payment, payment schedule, platform fee, flex fee, and total cost
4. You pay the down payment at checkout
5. Remaining payments are automatically debited from your linked payment method on the disclosed schedule
6. Your payment history is reported to Consulytica and factors into your ProV 24:V3 score

4. Fees and Payment Terms

Pay by FinCliq plans are always interest-free. However, fees apply. The following fee structure is set by FinCliq and will be clearly disclosed to you before you accept any payment plan. Specific fee amounts may vary based on the purchase amount, plan term, and your FinCliq+ membership status and are subject to change by FinCliq. Consulytica does not control or set FinCliq’s fee structure.

All fees applicable to your specific plan will be clearly disclosed at checkout before you confirm your purchase. The total amount you will pay — including all fees — will be shown before you accept any plan.

5. Down Payment

A down payment is required at the time of purchase for most Pay by FinCliq plans. The down payment percentage varies based on factors including your risk profile, the purchase amount, the plan term length, and whether you have an active FinCliq+ membership. Down payments may range from 0% to 50% of the financed amount and will be clearly disclosed before checkout.

Members with FinCliq+ membership generally receive reduced down payment requirements. FinCliq+ membership is a separate subscription offered by FinCliq.

6. No Interest, Ever

Pay by FinCliq plans available through the Consulytica program are always interest-free. The Annual Percentage Rate (APR) on all plans is 0%. You will never pay interest on any Pay by FinCliq purchase. You pay only the purchase amount plus any applicable platform fee and flex fee as disclosed at checkout.

7. Payment Reporting to Consulytica

FinCliq reports your payment activity to Consulytica. This reporting is a core feature of the closed-loop Consulytica ecosystem and functions similarly to how traditional credit accounts report to credit bureaus:

• On-time payments contribute positively to your Financial Behavior pillar and strengthen your ProV 24:V3 score
• Missed payments negatively affect your Financial Behavior pillar
• Account standing including open, closed, and charge-off status is reflected on your Consulytica credit profile
• Charge-offs remain on your Consulytica profile for 12 months

This payment reporting is intentional and is one of the primary ways that responsible Pay by FinCliq use helps you build your ProV 24:V3 score and advance through program stages. Your payment history through FinCliq is one of the most direct ways to demonstrate financial responsibility within the Consulytica ecosystem.

8. Late and Missed Payments

While Pay by FinCliq plans carry no interest, missed and late payments have consequences:

• A missed payment fee of $8 is assessed once per missed payment and does not compound
• A returned payment or insufficient funds fee of $25 applies to failed payment attempts
• Missed payments are reported to Consulytica and negatively affect your ProV 24:V3 score
• Continued nonpayment may result in account suspension and loss of eligibility for future Pay by FinCliq plans
• Outstanding balances may be referred to a third-party collection agency

FinCliq does not charge interest at any point, including on overdue balances.

9. Delinquency and Default

If you fail to make scheduled payments, your account may be considered delinquent or in default. Consequences of delinquency may include:

• Suspension of Pay by FinCliq access
• Forfeiture of Wealth Credits or other rewards
• Negative reporting to Consulytica affecting your ProV score
• Referral of the outstanding balance to a third-party collection agency

Collection efforts will be conducted in accordance with applicable federal and state laws including the Fair Debt Collection Practices Act.

10. Early Payoff

You may pay off your Pay by FinCliq plan at any time without penalty. Early payoff does not result in any additional fees or forfeiture of any portion of your payment. If you pay off early, the remaining installments are cancelled and no further payments are due.

11. Merchant Network

Pay by FinCliq is accepted at participating merchants in the Consulytica and FinCliq partner network. The merchant network is subject to change at any time. Neither Consulytica nor FinCliq guarantees the continued participation of any specific merchant. Merchant availability may vary by location and purchase category.

12. Wealth Credits

Upon successful repayment of eligible Pay by FinCliq plans, you may earn Wealth Credits as described in FinCliq’s terms. Wealth Credits are platform-issued rewards with no cash value that may be used with select FinCliq-partnered firms for financial education or investment tools. Wealth Credits are not guaranteed, may vary in amount, and eligibility may be affected by missed payments. See FinCliq’s Terms and Conditions for full Wealth Credits terms.

13. FinCliq Balance

FinCliq may offer a stored-value balance feature called FinCliq Balance that allows you to hold non-cash credits for use within the FinCliq platform. Important disclosures about FinCliq Balance:

• FinCliq Balance is not a bank account and is not FDIC insured
• FinCliq Balance funds are not withdrawable or redeemable for cash
• FinCliq Balance may only be used for purchases with FinCliq-partnered merchants or approved platform services
• No interest or earnings accrue on FinCliq Balance
• FinCliq may suspend or forfeit FinCliq Balance in cases of fraud, misuse, or account termination