Last updated: May 17, 2026 · Effective: May 17, 2026
These Terms of Service ("Terms") form a legally binding agreement between you and VGM LLC, doing business as QLife Money ("QLife Money," "we," "us," or "our"), a Nevada limited liability company with offices in Las Vegas, Nevada. They govern your access to and use of the qlife.money website, the QLife Money dashboard, mobile experiences, marketplace, small-business financial-account and payments features, and all related features (the "Services"). By creating an account or using the Services, you accept these Terms and our Privacy Policy. If you do not agree, do not use the Services.
Sections 16 (Arbitration; Class-Action Waiver) and 17 (Governing Law) require disputes to be resolved by binding individual arbitration in Nevada and waive your right to a jury and to class proceedings, with the exceptions stated there. You may opt out of arbitration as described in §16.
QLife Money is a personal finance management ("PFM") platform that lets you connect your bank, credit card, brokerage, retirement, and loan accounts; categorize transactions; track investments and net worth; capture receipts; and export tax-relevant transaction data. For small-business users, QLife Money also offers an embedded small-business financial account powered by Stripe, with funds held at Fifth Third Bank, N.A., Member FDIC; platform payments via Stripe Connect; and a national marketplace directory of LGBTQ+-owned and allied businesses.
QLife Money is not a bank and is not a money transmitter. QLife Money partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank, N.A., Member FDIC. QLife Money is also not a broker-dealer, registered investment adviser, tax preparer, insurance broker, or consumer reporting agency. Where you use a payments, money-movement, or financial-account feature, the underlying financial service is provided by a regulated third party — primarily Stripe, Inc. and its affiliates, Fifth Third Bank, N.A., and our data-aggregation partner Plaid Inc. — and is governed by their separate terms (see §6 and §7).
FDIC pass-through insurance disclosure. USD balances in financial accounts are eligible for FDIC pass-through deposit insurance if the accounts meet certain requirements. The accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership category. Neither Stripe nor QLife Money is an FDIC-insured institution, and the FDIC's deposit insurance coverage only protects against the failure of an FDIC-insured depository institution.
You are responsible for safeguarding your credentials and for all activity under your account. Notify us immediately at security@qlife.money if you believe your account has been compromised. You may not transfer or sell your account to anyone else. We may decline to open, suspend, or close any account at our discretion as permitted by law and these Terms (see §14).
Pricing for our consumer plans (Free, Pro, Premium), QLife Money for Business, and Marketplace listings is described on our website. By subscribing to a paid plan, you authorize us (or our payment processor) to charge your designated payment method on a recurring basis until you cancel.
You agree not to:
QLife Money partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank, N.A., Member FDIC. QLife Money for Business financial accounts and certain payments features are powered by Stripe, Inc. and its affiliates. By using these features, you separately review and agree to each of the following Stripe agreements when presented to you in the application flow:
Identity verification (KYC/CIP). When you open a QLife Money for Business financial account, federal law — including the USA PATRIOT Act, the Bank Secrecy Act, and the Customer Identification Program rules — requires Stripe and Fifth Third Bank, N.A. to obtain, verify, and record information that identifies you and the business, including legal name, date of birth, address, U.S. taxpayer identification number, beneficial-ownership information, and government-issued identification. You authorize QLife Money, Stripe, and Fifth Third Bank, N.A. to obtain and verify this information from you and from third parties (including credit-reporting agencies and identity-verification vendors) and to deny or close an account if it cannot be verified. You agree not to use the Services if you are listed on any U.S. sanctions list (including OFAC's Specially Designated Nationals list) or are located in a sanctioned jurisdiction.
You authorize QLife Money, as the platform operator, to share information about you and your business with Stripe and Fifth Third Bank, N.A. to provide and maintain these services. Stripe and Fifth Third Bank, N.A. may impose their own underwriting, risk, and acceptable-use requirements; if Stripe or the bank terminates or restricts your account, we may correspondingly limit or terminate your access to the affected features.
When you link a personal financial account through Plaid Inc., you authorize Plaid to access your data on your behalf, governed by the Plaid End User Privacy Policy and other Plaid legal terms. You can revoke your Plaid connections at any time at my.plaid.com or from your QLife Money dashboard. We never see your bank username or password — Plaid collects credentials directly. Removing a connection in QLife Money stops new data flowing in but does not by itself purge data already at Plaid; visit Plaid Portal for a complete revocation.
QLife Money helps you organize tax-relevant transaction data and export it to a CPA, accountant, or tax-prep tool of your choice. QLife Money does not prepare, sign, transmit, or e-file tax returns and is not a "tax return preparer" under federal law. Information we surface that is "tax-relevant" (e.g., Schedule C tagging, deduction categorization) is provided for your convenience and is not tax, legal, accounting, or investment advice. You are responsible for the accuracy of any tax return you (or your preparer) ultimately file based on data exported from QLife Money. Consult a qualified professional about your specific situation.
The QLife Money marketplace is a directory of businesses self-identified as LGBTQ+-owned, ally-aligned, or otherwise community-aligned. Listings are user-generated content; QLife Money is not the seller of any goods or services advertised in marketplace listings.
You retain ownership of the content you submit to the Services (receipts, photos, business listing content, reviews, support messages, surveys). By submitting content, you grant QLife Money a worldwide, non-exclusive, royalty-free license to host, store, reproduce, modify (only as needed for display, OCR, format conversion, and security), and display that content for the purpose of operating the Services and any successor service. For marketplace listings and reviews, this license also extends to displaying your content publicly on the marketplace.
You represent that you own or have the necessary rights to all content you submit and that it does not infringe any third party's rights. We may remove content that violates these Terms or applicable law. To submit a copyright takedown request under the Digital Millennium Copyright Act ("DMCA"), email dmca@qlife.money with the elements required by 17 U.S.C. § 512(c)(3).
The Services, including all software, design, content, trademarks (including "QLife," "QLife Money," and the QLife Money piggy logos), and the structure of the dashboard and marketplace, are owned by VGM LLC or our licensors and are protected by U.S. and international intellectual-property laws. Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to use the Services for your personal or business purposes. We reserve all rights not expressly granted.
The Services include links to and integrations with third-party services (Stripe, Plaid, Google, Apple, your bank, your brokerage, and others). We do not control those services, and we are not responsible for their content, terms, or practices. Your interactions with any third party through the Services are solely between you and that third party.
The Services are provided "as is" and "as available," to the maximum extent permitted by law and except where expressly stated in writing. We disclaim all implied warranties, including merchantability, fitness for a particular purpose, title, and non-infringement.
You may stop using the Services at any time and may close your account from your dashboard. We may suspend, restrict, or terminate your account or access to a feature: (a) for a violation of these Terms; (b) to comply with applicable law, a court order, or a regulator's instruction; (c) at the direction of a financial-service partner (e.g., Stripe or our bank partner); (d) where we reasonably suspect fraud, money laundering, or risk to others; or (e) for non-payment of fees. Where reasonably practicable and lawful, we will give you advance notice. After termination, you remain liable for amounts owed and we will retain data for the periods described in our Privacy Policy.
To the fullest extent permitted by law:
Before filing a claim, you agree to first email us at legal@qlife.money describing the claim and a proposed resolution. We will attempt to resolve the claim informally for at least sixty (60) days.
Except as set out in §16.4, you and QLife Money agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services (a "Dispute") will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures, and not in court. The arbitration will be conducted in Clark County, Nevada, by a single arbitrator. The Federal Arbitration Act, 9 U.S.C. § 1 et seq., governs the interpretation and enforcement of this provision. The arbitrator will decide all issues, including the scope and enforceability of this arbitration agreement, except that a court may decide whether the class-action waiver in §16.3 is enforceable.
You and QLife Money waive the right to a jury trial and the right to participate in a class action, class arbitration, or representative proceeding. Disputes must be brought on an individual basis only. If a court or arbitrator finds the class-action waiver unenforceable as to a particular claim, that claim (and only that claim) will be severed and brought in court.
You may opt out of this arbitration agreement by emailing legal@qlife.money within thirty (30) days of first accepting these Terms, with the subject line "Arbitration Opt-Out" and your account email. Opting out will not affect any other part of these Terms.
These Terms are governed by the laws of the State of Nevada, without regard to its conflict-of-laws principles, except that the Federal Arbitration Act governs the arbitration agreement. Subject to §16, any judicial proceeding (including small-claims actions and motions to compel arbitration) must be brought exclusively in the state or federal courts located in Clark County, Nevada, and you and we consent to personal jurisdiction there.
You agree to defend, indemnify, and hold harmless QLife Money and its affiliates from any third-party claim, loss, liability, damage, or expense (including reasonable attorneys' fees) arising out of (a) your use of the Services in violation of these Terms; (b) content you submit; (c) your violation of any law or third-party right; or (d) the accuracy of data you provide or export, except to the extent attributable to our gross negligence or willful misconduct.
We may update these Terms from time to time. The "Last updated" date reflects the most recent revision. For material changes, we will give you at least thirty (30) days' advance notice by email or in-product notice. If you do not agree to the change, you must stop using the Services and may close your account before the effective date. Continued use after the effective date constitutes acceptance.
By creating an account, you consent under the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq., "E-Sign") and applicable state laws (including the Uniform Electronic Transactions Act, as adopted in Nevada) to receive in electronic form all communications, disclosures, agreements, statements, receipts, notices, and records that we, Stripe, or Fifth Third Bank, N.A. would otherwise provide in paper form in connection with the Services (collectively, "Communications"). Communications include, without limitation: these Terms and amendments; the Privacy Policy; the Stripe Services Agreement, Stripe Connected Account Agreement, Stripe Financial Accounts for Platforms Terms, Stripe Financial Connections End User Terms, and related deposit-account disclosures; periodic account statements; money-transmission receipts; tax forms (such as Form 1099-K, where applicable); fee and rate disclosures; change-in-terms notices; and error-resolution and dispute notices.
QLife Money is not a money transmitter. Money transmission services connected with your QLife Money for Business financial account are provided by Stripe Payments Company, with funds held at Fifth Third Bank, N.A., Member FDIC.
We maintain a complaints and dispute-resolution program for the financial-account and payments features. This section applies in addition to §16 (Arbitration) and does not require you to arbitrate a complaint before contacting us or a regulator.
These Terms describe the legal agreement governing the QLife Money Services. They are not legal advice. Consult an attorney for advice about your specific situation.