Terms & Conditions

Last Updated: June 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, third-party discount networks, the Primary Care Physician Network Gateway, and our discretionary Maintenance Assistance 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: Wear & Tear Solutions is NOT an insurance company. The Maintenance Assistance Match, Benefits Portal and the Primary Care Physician Network Gateway do not constitute auto, health, or mechanical breakdown insurance. We do not underwrite risk.
Not a Financial Institution: Wear & Tear Solutions is NOT a bank, lender, or credit-reporting agency. We do not issue loans, credit cards, or physical debit cards.
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.

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 & Maintenance Retainer 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). The funds represented by these credits remain the sole property of the Member until deployed for an authorized service.
Restricted Use: The Maintenance Retainer is designed strictly to support your independent contracting operations. Benefit Service Credits may solely be redeemed and applied toward approved automotive service, maintenance, and vehicle repair expenses.
Replenishment: Members may allocate funds daily, weekly, or monthly to replenish their Maintenance Retainer at their own pace.

6. Maintenance Assistance Match Program & Tiers The Maintenance Assistance Match is a discretionary reward program designed to assist loyal, active Members with unexpected vehicle repairs. By participating, you acknowledge that matching funds are entirely at the discretion of Wear & Tear Solutions and are subject to the following vesting schedules:

Silver Tier (3 Months Active): Upon completing 3 consecutive months of active, paid membership, you are eligible for a 20% match on approved maintenance expenses.
Gold Tier (6 Months Active): Upon completing 6 consecutive months of active, paid membership, you are eligible for a 50% match on approved maintenance expenses.
Platinum Tier (1 Year Active): Upon completing 12 consecutive months of active, paid membership, you are eligible for a 100% match, up to a maximum limit of $3,000 per incident.

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

All vehicle repairs must be completed by a reputable, licensed, bonded, and insured automotive facility. No DIY repairs or unverified mechanics are eligible.
Members must submit official documentation, itemized repair invoices, and photographic evidence of the vehicle and repairs.
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.
Membership must remain active and in good standing at the time of the incident and the time of the claim payout.

8. Subscription Billing & Cancellation 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. Upon cancellation, 100% of your unspent Benefit Service Credits remaining in your Maintenance Retainer will be refunded to your original payment method with zero administrative or processing fees. You will, however, forfeit any accrued tier status in the Maintenance Assistance Match program.

9. 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.

10. 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.

11. 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.

12. 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.

13. 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.

14. 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.

15. 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.

16. 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.

17. 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.