WEAR AND TEAR SOLUTIONS MASTER MEMBERSHIP AGREEMENT

WEAR & TEAR SOLUTIONS MASTER MEMBERSHIP AGREEMENT

This Master Membership Agreement ("Agreement") is entered into by and between Wear & Tear Solutions ("Company," "we," "us," or "our") and the undersigned user ("Member," "you," or "your").

By purchasing benefit credits, subscribing to any tier of our platform, or utilizing our concierge services, you agree to the terms outlined in this Agreement. This Agreement governs both the Vehicle Maintenance Plan and the Health Plus tier.

SECTION 1: GENERAL PLATFORM TERMS

1.1 Digital Platform & Credits: Wear & Tear Solutions provides a digital benefits portal tailored for independent contractors. Members purchase "benefit credits" through the platform, which are then used to redeem services within our curated networks. 1.2 Independent Relationships: We act solely as an administrative facilitator and digital directory. Wear & Tear Solutions is not a mechanic shop, auto repair facility, medical clinic, or healthcare provider. All services, repairs, and medical care are provided by entirely separate, independent third-party entities. 1.3 Subscriptions and Refunds: All purchases, monthly subscriptions, and credit redemptions are subject to the Wear & Tear Solutions Subscription & Credit Policy and Refund Policy available on our website.

SECTION 2: VEHICLE MAINTENANCE BENEFITS

If you utilize our platform for vehicle maintenance benefits, the following terms apply: 2.1 Not Auto Insurance or Warranty: The Wear & Tear Solutions vehicle plan is not an automobile insurance policy, a mechanical breakdown insurance policy, or an extended vehicle warranty. It is a membership that grants access to discounted, pre-negotiated rates at partner automotive facilities. 2.2 No Guarantee of Workmanship: We do not perform any maintenance or repair work. Any guarantees, warranties on parts or labor, or claims of defective workmanship must be addressed directly with the specific automotive facility that performed the service. Wear & Tear Solutions is not liable for vehicle damage, voided manufacturer warranties, loss of income, or mechanical failures. 2.3 Covered Services: Your benefit credits may only be applied to the specific maintenance services outlined in your portal (e.g., standard oil changes, fluid checks). Upgrades, additional repairs found during inspections, or taxes applied by the mechanic are the sole financial responsibility of the Member.

SECTION 3: HEALTH PLUS MEDICAL BENEFITS

If you utilize our platform for the Health Plus tier, the following terms apply: 3.1 Not Health Insurance: The Health Plus membership is not a health insurance policy. It does not satisfy any federal or state mandates for health insurance coverage, nor does it cover hospitalizations, surgeries, or emergency room visits. Members are strongly encouraged to maintain separate, catastrophic health insurance. 3.2 No Medical Care Provided: Wear & Tear Solutions does not provide medical advice, diagnosis, or treatment. The independent primary care physicians in our network are solely responsible for all clinical decisions and patient care. We have no authority over the medical judgment of your chosen provider. 3.3 Concierge Matching: We utilize your zip code to curate a custom list of independent primary care physicians. Once a selection is made, we facilitate the backend introduction. The ongoing monthly provider fee and the physician-patient relationship are maintained strictly between you and your selected doctor. 3.4 Medical Privacy (HIPAA): Wear & Tear Solutions does not require, collect, or store sensitive medical records. Your selected physician is solely responsible for maintaining your medical records and ensuring compliance with all state and federal health privacy laws.

SECTION 4: LIMITATION OF LIABILITY AND GOVERNING LAW

4.1 Limitation of Liability: To the fullest extent permitted by law, Wear & Tear Solutions, its founders, and affiliates shall not be liable for any direct, indirect, incidental, or consequential damages—including but not limited to loss of gig-work income, vehicle damage, or personal injury—resulting from services provided by any independent mechanic or physician accessed through our platform. 4.2 Governing Law: This Agreement shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law principles.

By proceeding with your registration, purchasing benefit credits, and checking the consent box at checkout, you acknowledge that you have read, understood, and agreed to be bound by the entirety of this Master Membership Agreement.