Terms & Conditions

Terms & Conditions

Last Updated: July 2026

1. Acceptance of Terms By accessing, registering for, or using the Wear & Tear Solutions Benefits Portal ("Platform") and purchasing our monthly Base Membership, you agree to be bound by these Terms & Conditions ("Agreement"). By enrolling, you are recognized as a "Member." If you do not agree to these terms, you may not access or use the Platform.

2. Description of Services Wear & Tear Solutions operates as a digital benefits and software portal designed for independent contractors. The Platform provides Members with access to digital maintenance tracking, predictive vehicle analytics, the Primary Care Physician Network Gateway, a vehicle rental portal, the Vacation Package Layaway Program, and our discretionary Contingency Shortfall Match program.  

3. Critical Disclaimers & Legal Status To protect both your independent business and our Platform, the following distinctions are strictly enforced:

  • Not an Insurance Provider or Vehicle Service Contract: Wear & Tear Solutions is NOT an insurance company, motor club, or warranty provider. We do not underwrite risk, nor do we assume any financial or legal liability for your vehicle's mechanical breakdowns, repairs, or maintenance. The Platform functions strictly as a software tool and a closed-loop accounting service to facilitate the management of your prepaid business expenses.
  • Not a Financial Institution or Lender: Wear & Tear Solutions is NOT a bank, lender, or credit-reporting agency. We do not issue loans, physical credit cards, or lines of credit.
  • Not an Employer: You are an independent contractor. Accessing our benefits portal does not establish an employer-employee relationship, partnership, or joint venture between you and Wear & Tear Solutions.
  • Not a Travel Agency or Booking Agent: Wear & Tear Solutions is NOT a licensed travel agency. We do not book flights, hotels, or excursions. The Vacation Package Layaway Program is fulfilled entirely by an independent, licensed Travel Partner who acts as the sole merchant of record for all Vacation Layaway Credits. 

4. Primary Care Physician Network Gateway The Platform provides a gateway to connect Members with independent, third-party medical professionals.

  • Wear & Tear Solutions does not provide medical care, diagnoses, or treatment.
  • The flat monthly provider fee is paid directly to the independent medical provider, not to Wear & Tear Solutions.
  • We are not liable for the actions, omissions, or medical advice of any third-party professionals accessed through the Gateway.

5. Benefit Service Credits & Base Membership Balance To proactively prepare for vehicle expenses, Members may purchase digital Benefit Service Credits through the Platform to fund their personal Maintenance Retainer.

  • Credit Value & Ownership: Benefit Service Credits are purchased on a dollar-for-dollar basis (1 Credit = $1.00 USD). Upon purchase, the funds used to acquire these credits become the sole property of the Company. In exchange, the Member receives a digital credit balance on the Platform. These credits have no cash value outside of the Platform and represent a prepaid balance that the Company will deploy on the Member's behalf to pay for authorized services.
  • Restricted Use: The digital credit balance is designed strictly to support your independent contracting operations. Benefit Service Credits may solely be redeemed and applied by the Company toward approved automotive service, maintenance, and vehicle repairs.
  • Maximum Balance Limit: To comply with federal regulations regarding closed-loop prepaid access programs, no Member's Base Membership balance may exceed 2,000 Benefit Service Credits ($2,000 USD) at any given time.
  • Non-Transferable: Benefit Service Credits are tied exclusively to the purchasing Member's individual account. Credits cannot be transferred, sold, gifted, or exchanged with any other driver, user, or third party under any circumstances.
  • No Cash-Outs Except Upon Cancellation: To maintain the closed-loop integrity of the Platform, Benefit Service Credits cannot be withdrawn as cash, transferred to a personal bank account, or used outside of our authorized service network while the membership is active. The unspent balance of your Base Membership is only redeemable for cash upon your formal request to cancel your Base Membership, subject to the reconciliation terms in Section 9.

6. Contingency Shortfall Match Program & Tiers The Contingency Shortfall Match is a discretionary, supplementary benefit designed to assist loyal, active Members with unexpected vehicle repairs. This Match is a promotional advance of platform utility credits; it is not a loan, a credit facility, or an extension of debt, and it creates no personal legal obligation to repay.

Matching funds are deployed entirely at the discretion of Wear & Tear Solutions, strictly at the point of sale, and are subject to the following continuous-tenure vesting schedules:

  • Bronze Tier (3 Consecutive Months): Flat match up to 150 Credits maximum.
  • Silver Tier (6 Consecutive Months): Flat match up to 300 Credits maximum.
  • Gold Tier (12 Consecutive Months): Flat match up to 500 Credits maximum.
  • Platinum Tier (18 Consecutive Months): Match equal to 50% of the Member’s available Service Credit balance at the time of repair, capped at a maximum advance of 1,500 Credits.
  • Diamond Tier (24 Consecutive Months): Match equal to 100% of the Member’s available Service Credit balance at the time of repair, capped at a maximum advance of 2,000 Credits.
  • State Law Caps Override: The maximum business match contribution per incident is strictly limited by applicable state laws. Should state regulations mandate a per-incident cap lower than the Diamond Tier maximum, the state-mandated cap shall legally override the standard tier limits. 

6.1 Contingency Utilization & Voluntary Reconciliation:

  • Activation Requirements: To unlock any match tier, Members must maintain an active Auto-Pay schedule (or make 4+ manual deposits within 30 days) and hold a minimum Maintenance Retainer balance of 300 Service Credits. 
  • Point-of-Sale Shortfall Only: The Contingency Match acts strictly as a secondary safety net. Match funds will only be deployed when a Member’s available Service Credit balance is insufficient to cover the total cost of an approved repair. The Member's existing Service Credit balance must be fully exhausted toward the approved invoice before Match funds are applied to the remaining deficit.
  • Voluntary Reconciliation: The Company recoups the utilized Match exclusively through a proportional allocation of the Member's future, voluntary purchases of Service Credits.
  • 50/50 Allocation: Until the utilized Match balance is fully reconciled, 50% of all future Service Credit purchases made by the Member will automatically be allocated to clear the pending Match balance. The remaining 50% will be immediately credited to the Member’s standard Service Credit balance for standard use. Once the Match is fully reconciled, 100% of future purchases will resume funding the Member's standard balance.

7. Match Program Rules, Tenure, & Documentation To qualify for any tier of the Contingency Shortfall Match, the following conditions must be strictly met:

  • Continuous Tenure & Grace Periods: Tier eligibility is based strictly on consecutive, uninterrupted months of active Base Membership. If a monthly subscription payment fails, Members are granted a 10-day Grace Period to resolve the payment. If the membership lapses or is canceled, all accrued tenure resets to zero (0) months.
  • Authorized Facilities: All vehicle repairs must be completed by a reputable, licensed, bonded, and insured automotive facility. No DIY repairs or unverified mechanics are eligible.
  • Proof of Service: Members must submit official documentation, itemized repair invoices, and photographic evidence of the vehicle and repairs.
  • Verification & Fraud: Wear & Tear Solutions reserves the right to verify all invoices directly with the service provider. Any fraudulent submission, altered invoice, or misrepresentation will result in immediate, permanent account termination and legal action.
  • Discretionary Proactive Incentives: Wear & Tear Solutions reserves the right to award discretionary incentives, including but not limited to bonus Service Credits, Tenure Boosts (accelerated tier progression), or other promotional rewards, to Members who demonstrate operational excellence and proactive vehicle maintenance by resolving flagged maintenance items prior to them becoming critically past due.

8. Emergency Vehicle Rental Program Overview & Eligibility The Emergency Vehicle Rental program is a conditional benefit available exclusively to active Members whose primary vehicle is undergoing verifiable repairs at a licensed automotive facility.

  • Verification: To redeem this benefit, Members must submit a valid, dated mechanic’s intake estimate or official repair invoice via the Platform. Wear & Tear Solutions reserves the right to verify this documentation directly with the repair facility.
  • Accrual of Rental Days & Caps
    • Accrual Rate: Members in good standing accrue one (1) complimentary rental day for every six (6) continuous months of active Base Membership.
    • Maximum Cap: Members may roll over unused days, subject to a strict maximum cap of four (4) accrued rental days at any given time.
    • Forfeiture: Any lapse, pause, or cancellation of the Base Membership results in the immediate forfeiture of all accrued rental days. Accrued days hold no cash value and cannot be paid out upon cancellation.
  • Coverage, Deposits & Member Financial Responsibility
    • Covered Costs: Upon approval, Wear & Tear Solutions covers 100% of the daily base rental rate and associated taxes for the authorized rental period.
    • Security Deposits: Wear & Tear Solutions does NOT cover rental agency security deposits. Members are required by the third-party rental agency to present a valid, physical credit or debit card in their own legal name at the rental counter to secure the vehicle.
    • Incidentals & Fees: Members assume 100% sole financial responsibility for all incidentals, including but not limited to gasoline, tolls, traffic violations, parking tickets, vehicle damage, and optional insurance upgrades offered at the counter.
  • Extensions & Unauthorized Charges
    • Approved Extensions: If a repair requires additional time beyond the accrued free days, Members may request and purchase rental extensions exclusively through the Member Dashboard to utilize the Company's discounted corporate rate.
    • Unauthorized Counter Extensions: Members are strictly prohibited from extending the rental directly at the agency counter. Any Member who extends a rental directly with the agency will be subjected to the agency's standard walk-up rates and assumes sole, out-of-pocket financial liability for those charges. Wear & Tear Solutions will not reimburse unauthorized counter extensions.
  • Fulfillment & Processing Hours Rental requests are reviewed and processed during standard operating hours (8:00 AM to 7:00 PM). While the Company strives to issue confirmation numbers within one (1) hour of verification, requests submitted outside of standard operating hours will be processed on the following morning.
  • Limitation of Liability (Rental Operations) Wear & Tear Solutions acts solely as the booking facilitator for the rental vehicle. We do not own, operate, or maintain the rental fleet. Wear & Tear Solutions is strictly not liable for any accidents, injuries, property damage, traffic infractions, or loss of income incurred while operating a rental vehicle secured through the Platform.

9. Subscription Billing, Cancellation, & No Recourse The monthly membership fee is billed automatically to your payment method on file. You retain full control over your subscription and may cancel at any time directly through your portal dashboard. Cancellations take effect at the end of your current billing cycle. No prorated refunds will be issued for partial months of the Base Membership fee.

  • Reconciliation Upon Cancellation: If you choose to cancel your membership while carrying an outstanding balance on a utilized Contingency Match, any unspent Benefit Service Credits remaining in your account will first be applied to satisfy that outstanding balance. If your unspent Service Credits are sufficient to cover the outstanding Match, the remaining Benefit Service Credits will be refunded to your original payment method.
  • No Recourse or Debt Collection: If your unspent Service Credits are insufficient to cover the outstanding Match balance upon cancellation, the Company will forfeit the unreconciled balance. Because the Match is not a loan, you have no legal obligation to pay the deficit out-of-pocket. The Company will not charge your payment method on file, engage third-party debt collectors, or pursue legal action to recover a utilized Match.
  • Forfeiture of Status: Upon cancellation, you will permanently forfeit any accrued tier status and history in the Match program. If you return to the Platform in the future, your tenure will restart at Month 1, and any previously unreconciled Match balance will be reinstated to your account and subject to the 50/50 allocation rule upon your purchase of new Service Credits.

10. Vacation Package Layaway Program Overview & Eligibility The Vacation Package Layaway Program ("the Program") is an optional benefit offered exclusively to active Members of Wear & Tear Solutions. The Program allows Members to select a predefined vacation package (" Vacation Package") and pre-purchase it over time through systematic layaway installment payments ("Vacation Layaway Credits").

  • Nature of Vacation Layaway Credits (Distinct from Service Credits)
    • Distinct Ledger: Vacation Layaway Credits are legally and operationally distinct from the automotive "Service Credits" used for the Maintenance Retainer. Automotive Service Credits cannot be applied toward travel, and Vacation Layaway Credits cannot be applied toward vehicle repairs.
    • No Stored Cash Value: Vacation Layaway Credits represent a non-refundable installment payment toward a specific, pre-selected retail travel package. These credits have no independent cash value, cannot be withdrawn as cash, cannot be transferred to other members, and cannot be used to pay for standard membership subscriptions.
    • Progress Tracking: Any visual dashboard, meter, or "vacation bucket" displayed within the Wear & Tear Solutions portal is strictly a data-tracking software feature to illustrate the Member's progress toward fully funding their selected Package.
  • Payment Processing & Merchant of Record
    • Direct Routing: Wear & Tear Solutions does not collect, hold, escrow, or manage funds intended for travel booking.
    • Merchant of Record: All payments made toward a Vacation Package are processed directly by our licensed, independent travel agent partner ("Travel Partner"). The Travel Partner acts as the sole Merchant of Record for these transactions. By initiating a layaway payment, you authorize the processing of your payment details through the Travel Partner's secure gateway and agree to be bound by the Travel Partner's independent terms of service.
  • Package Selection & Booking Constraints
    • Package Selection Required: Members must select a specific travel package tier prior to purchasing Vacation Layaway Credits. Installments cannot be paid into a general, unassigned account.
    • Booking Activation: Travel dates, flight itineraries, and hotel reservations cannot be finalized, locked, or booked by the Travel Partner until the chosen Package is 100% funded.
    • Price Fluctuations: Travel components (specifically airfare and seasonal lodging rates) are subject to live market changes. The final components of the package will match the tier purchased, but specific vendors, flights, or booking times may be adjusted by the Travel Partner at the time of final booking to match the total funded amount.
  • Cancellations, Modifications, Abandonment & Forfeiture
    • Subscription Interruption: To maintain a vacation layaway plan, the Member must maintain an active, in-good-standing Base Membership with Wear & Tear Solutions. If a membership is canceled, paused, or terminated before a Package is 100% funded, the layaway plan will be frozen.
    • Dormancy & Abandonment: If a Member fails to make a layaway payment for a consecutive period of twelve (12) months, the layaway plan will be considered abandoned and will be subject to the forfeiture and cancellation policies of the Travel Partner.
    • Refund Policies: Because all funds are processed directly by the Travel Partner, any requests for refunds, cancellations, or modifications of partially funded or fully funded packages are strictly subject to the terms, conditions, and cancellation fees established by the Travel Partner and the underlying travel suppliers (airlines, hotels, car rental agencies). Wear & Tear Solutions cannot independently issue refunds for travel layaway payments.

    • Limitation of Liability Wear & Tear Solutions operates solely as a marketing and technology interface for the Program. All travel planning, coordination, booking management, and fulfillment are executed entirely by the independent Travel Partner. Wear & Tear Solutions assumes no liability for travel delays, cancellations, injuries, property damage, or supplier failures occurring during or in connection with the purchased Package.

11. Geographic Restrictions The services provided by Wear & Tear Solutions are subject to state and local regulations. Currently, our base membership and portal access are strictly prohibited and unavailable to residents operating in or residing in the following states:

  • California
  • Massachusetts
  • New Jersey
  • New York
  • Texas
  • Washington

By registering for an account, you represent and warrant that you do not reside in, nor do you primarily operate your business within, these restricted jurisdictions. Violation of this clause will result in immediate account termination and forfeiture of any pending matching benefits.

12. Limitation of Liability To the maximum extent permitted by applicable law, Wear & Tear Solutions, its founders, and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, loss of data, vehicle breakdown, lost wages, or physical injury resulting from your use of the Platform or any third-party services accessed through the Platform. In no event shall our total liability exceed the amount you paid in membership fees within the preceding twelve (12) months.

13. Indemnification You agree to indemnify, defend, and hold harmless Wear & Tear Solutions, its owners, affiliates, and agents from and against all claims, losses, liabilities, expenses, and damages (including attorneys' fees) resulting from your violation of this Agreement, misuse of our Platform, or breach of any applicable law.

14. Dispute Resolution & Arbitration Any dispute, claim, or controversy arising out of or relating to this Agreement shall be resolved by binding arbitration under the rules of the American Arbitration Association (AAA). Members waive the right to bring claims in court or to participate in a class-action lawsuit.

15. Modifications to the Agreement We reserve the right to modify these Terms & Conditions at any time. Material changes will be communicated to active Members. Continued use of the Platform following any changes constitutes your acceptance of the revised terms.

16. Accuracy of Uploaded Documentation Members are solely responsible for the accuracy, legibility, and authenticity of all documents, receipts, and photographs uploaded to the Platform. By uploading an invoice for the Maintenance Assistance Match program, you legally warrant that the document is entirely authentic and unaltered. Submitting forged, modified, or duplicate invoices constitutes fraud and will result in permanent platform banishment and potential reporting to local authorities.

17. Platform Availability & "As-Is" Warranty The Wear & Tear Solutions Platform is provided on an "as-is" and "as-available" basis. While we strive for 100% uptime, we do not warrant that the software will be uninterrupted, error-free, or entirely secure at all times. We reserve the right to perform routine maintenance, updates, or modifications to the software that may temporarily impact access to your dashboard.

18. Electronic Communications By creating an account, you consent to receive electronic communications from Wear & Tear Solutions, including emails, text messages (SMS), and in-app notifications regarding your subscription, account security, benefit credit allocations, and match program status. Standard data and messaging rates may apply.

19. Governing Law & Severability This Agreement shall be governed by and construed strictly in accordance with the laws of the State of Illinois, without regard to its conflict of law principles. If any provision of this Agreement is found to be unlawful, void, or for any reason unenforceable by a court of competent jurisdiction, that provision shall be deemed severable from these Terms & Conditions and shall not affect the validity and enforceability of any remaining provisions.