WEAR AND TEAR SOLUTIONS MEMBERSHIP AGREEMENT

WEAR & TEAR SOLUTIONS MEMBERSHIP AGREEMENT

Last Updated: June 2026

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

By purchasing a Base Membership, purchasing Benefit Service Credits, or utilizing any of our platform services, you agree to the terms outlined in this Agreement.

SECTION 1: GENERAL PLATFORM TERMS

1.1 Digital Platform & The Base Membership: Wear & Tear Solutions provides a digital benefits and software portal tailored for independent contractors. Access to the platform requires an active, flat-fee monthly Base Membership.
1.2 Independent Relationships: We act solely as a software facilitator, digital accounting tool, and network directory. Wear & Tear Solutions is not a mechanic shop, auto repair facility, medical clinic, or healthcare provider. All mechanical services and medical care are provided by entirely separate, independent third-party entities.
1.3 Binding Policies: All purchases, monthly subscriptions, and credit redemptions are strictly governed by our Terms & Conditions, Subscription & Cancellation Policy, and Refund Policy available on our website.

SECTION 2: VEHICLE MAINTENANCE RETAINER & CREDITS

2.1 Not Auto Insurance or a Vehicle Service Contract (VSC): Wear & Tear Solutions is NOT an automobile insurance provider, a motor club, a mechanical breakdown insurance policy, or an extended warranty provider. We do not underwrite risk or assume liability for vehicle failures.
2.2 Benefit Service Credits & The $2,000 Limit: Members may purchase digital Benefit Service Credits (1 Credit = $1.00 USD) to fund their Maintenance Retainer. Upon purchase, the funds become the sole property of the Company, and the Member receives a digital credit balance. To comply with federal closed-loop financial regulations, no Member's balance may exceed 2,000 Benefit Service Credits ($2,000 USD) at any given time.
2.3 Restricted Use: Benefit Service Credits may only be deployed by the Company to pay for authorized vehicle maintenance and repairs on the Member's behalf. Credits have no cash value outside the platform, cannot be transferred to other drivers, and cannot be used to pay for medical services.
2.4 No Guarantee of Workmanship: We do not perform 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.
2.5 The Contingency Shortfall Match & Voluntary Reconciliation: Participation in the Contingency Shortfall Match program is a discretionary, supplementary benefit subject to continuous-tenure vesting schedules. 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.
- Point-of-Sale Utilization: Match funds act strictly as a point-of-sale safety net and are only deployed when your available Benefit Service Credit balance is insufficient to cover an approved repair invoice. Your existing balance must be fully exhausted before Match funds cover the remaining deficit, up to your tier's maximum cap.
- The 5 Tiers of Eligibility: Match caps are based on consecutive, uninterrupted months of active membership: Bronze (3 Months: up to 150 Credits); Silver (6 Months: up to 300 Credits); Gold (12 Months: up to 500 Credits); Platinum (18 Months: 50% of available balance, max 1,500 Credits); and Diamond (24 Months: 100% of available balance, max 2,000 Credits).
- Voluntary Reconciliation: Any utilized Match is reconciled voluntarily. Until cleared, 50% of your future, voluntary Benefit Service Credit purchases will be automatically allocated to reconcile the Match balance, with the remaining 50% immediately credited to your standard balance.
- No Recourse: If your Base Membership is canceled while carrying an unreconciled Match balance, the Company forfeits the deficit. We will not charge your payment method, engage debt collectors, or pursue legal action to recover the advance. Full rules regarding utilization, continuous tenure, and forfeiture upon cancellation are governed by our Terms & Conditions.

SECTION 3: PRIMARY CARE PHYSICIAN NETWORK GATEWAY

3.1 Not Health Insurance: The Base Membership provides access to a curated directory of Direct Primary Care (DPC) physicians. This 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.
3.2 Strict Financial Separation: The $14.99 Base Membership fee paid to Wear & Tear Solutions only provides access to the platform and the network directory. The Member is solely responsible for paying the independent monthly provider fee (typically $50–$125/mo) directly to their chosen clinic or provider. Benefit Service Credits cannot be used to pay these medical fees.
3.3 No Medical Care Provided: Wear & Tear Solutions does not provide medical advice, diagnosis, or treatment. The independent physicians in our network are solely responsible for all clinical decisions. We have no authority over the medical judgment of your chosen provider.
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 & Jurisdiction: 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 and checking the consent box at checkout, you acknowledge that you have read, understood, and agreed to be bound by the entirety of this Membership Agreement.