Terms & Conditions
Terms & Conditions
Effective Date: October 2025
Last Updated: October 2025
These Terms & Conditions (“Agreement”) govern your use of the services provided by Wear & Tear Solutions LLC, an Illinois limited liability company (“Wear & Tear Solutions,” “we,” “our,” or “us”), a subsidiary of DNA Solutions LLC, a Wyoming limited liability company. By enrolling in, accessing, or using our products, subscriptions, or website, you (“Member,” “you,” or “your”) agree to be bound by this Agreement.
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1. Overview of Services
Wear & Tear Solutions provides a subscription-based vehicle and health expense concierge platform designed primarily for gig workers and independent contractors. Our services allow Members to:
Deposit and manage funds for vehicle-related maintenance, repairs, and associated expenses.
Access a concierge team to verify and coordinate service provider payments.
Subscribe to optional add-on services, such as direct primary care memberships, prepaid repair cards, and credit-building reporting tools.
Wear & Tear Solutions is not an insurance company, not a warranty provider, and does not provide financial or medical advice.
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2. Membership and Subscription Fees
2.1 Base Subscription
Membership requires a monthly subscription fee, automatically billed to your payment method on file every 30 days.
2.2 Optional Add-Ons
Members may elect to include additional features:
Doctor Plan: Pricing varies per provider.
Prepaid Auto Repair Card: one time fee, additional fees for lost or stolen cards, enabling real-time use of approved claim funds.
Credit Reporting Add-On: monthly fee, allowing us to report eligible repayment data to major credit bureaus to help improve your credit score.
Additional deposits may be made daily, weekly, or monthly through your account dashboard or auto-pay settings.
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3. Permitted Use of Funds
Funds may only be used for car-related expenses, including but not limited to:
Maintenance, repairs, parts, oil changes, and detailing.
Vehicle rentals, towing, impound fees, or license renewals.
Any legitimate expense that directly supports vehicle operation or preservation.
3.1 Non-Car Related Withdrawal Fee
Using funds for non-vehicle purposes incurs a $75 Deterrent Fee and a mandatory one-week release delay before funds are made available. This policy is intended to encourage responsible fund management.
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4. Account Management and Security
All funds are held in a secure Shopify-managed account under Wear & Tear Solutions LLC.
When claims are submitted, the concierge team will verify legitimacy and either:
Pay the vendor directly, or
Load approved funds onto the Member’s prepaid card for real-time use.
Members can view their transaction history, available balance, and service receipts in their personal dashboard.
All personal and payment data (VIN, license, card information, etc.) are securely encrypted in compliance with Shopify’s PCI DSS standards.
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5. Cancellations, Refunds, and Termination
Members may cancel their subscription at any time by contacting a Wear & Tear representative.
A cancellation fee will apply.
Refunds of any remaining balance will be processed within 14–28 business days, minus applicable setup or processing fees.
Refunds cannot be issued while a claim or disbursement request is pending.
Wear & Tear Solutions reserves the right to suspend or terminate membership for:
Non-payment, fraud, or misuse of services;
Providing false or misleading information; or
Violating any provision of this Agreement.
Upon termination, remaining funds (less applicable fees) will be returned to the Member.
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6. Arbitration Agreement
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).
Arbitration shall be conducted in Cook County, Illinois, unless both parties agree otherwise.
Each party shall bear its own costs and attorney’s fees.
The decision of the arbitrator shall be final and binding.
Members waive the right to bring claims in court or to participate in a class action or jury trial.
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7. Limitation of Liability
To the fullest extent permitted by law, Wear & Tear Solutions LLC, DNA Solutions LLC, their affiliates, owners, and agents shall not be liable for any:
Indirect, incidental, consequential, or punitive damages;
Losses caused by third-party service providers; or
Loss of income, data, or business opportunity arising from your use of our services.
In no event shall our total liability exceed the amount you paid in membership fees within the preceding twelve (12) months.
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8. Indemnification
You agree to indemnify, defend, and hold harmless Wear & Tear Solutions LLC, DNA Solutions LLC, their owners, affiliates, officers, employees, and agents from and against all claims, losses, liabilities, expenses, and damages (including attorney’s fees) resulting from your:
Violation of this Agreement,
Misuse of our platform or services, or
Breach of any applicable law or third-party rights.
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9. No Guarantee of Results
Membership in Wear & Tear Solutions does not guarantee approval of claims, credit score improvement, or cost savings.
All add-on features and third-party services are provided “as-is” and subject to their respective terms.
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10. Future Services and Modifications
We reserve the right to introduce new features or adjust pricing, structure, or functionality at any time.
You will be notified in advance of any material changes, and continued use of the service constitutes acceptance of the revised Agreement.
This section also applies to upcoming products such as expanded health concierge access, vehicle finance programs, and app-based tools.
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11. Governing Law
This Agreement shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to conflict of law principles.
Ownership structure and intellectual property are held under DNA Solutions LLC (Wyoming).
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12. Severability
If any part of this Agreement is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
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13. Entire Agreement
This document constitutes the entire agreement between you and Wear & Tear Solutions LLC and supersedes any prior verbal or written understandings relating to your membership or use of the service.
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14. Contact Information
For support, cancellations, or general inquiries:
Wear & Tear Solutions LLC
Illinois, United States
Business Hours: Monday–Friday, 9AM–6PM CST