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Legal & Compliance Hub

Transparency is a core value. Every legal document, disclosure, and compliance framework is available here for your review.

Terms of Service

The terms governing your use of the Savings.Club website and services.

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Privacy Policy

How we collect, use, and protect your personal information.

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Disclosures

Detailed disclosures about fees, asset acquisition, member protection, and marketing practices.

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Consumer Protection

How savings clubs differ from securities and the regulatory framework that protects members.

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Complaints

How to file a formal complaint and our resolution process.

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Regulatory Framework

Body / Statute Full Name Status
CFPB Consumer Financial Protection Bureau Aligned
FTC Federal Trade Commission Compliant
TILA Truth in Lending Act Aligned
ECOA Equal Credit Opportunity Act Aligned
GLBA Gramm-Leach-Bliley Act Compliant
EFTA Electronic Fund Transfer Act Compliant
FCRA Fair Credit Reporting Act Compliant
UDAAP Dodd-Frank UDAAP Aligned

Corporate Entity

Savings.Club is a savings club administrator operated by Savings Club Financing Technologies, LLC. We extend credit through our savings club structure and make lending decisions based on underwriting. Our flat-fee model replaces interest charges with a transparent flat fee and is designed to provide maximum transparency and align with the spirit of federal consumer protection law.

For questions about our compliance practices, contact compliance@savings.club.

The cheapest way to finance anything expensive. Flat fee. Not interest.

Savings.Club is a brand name of Savings Club Financing Technologies, LLC. Not a bank. Member funds held in a trust overseen by Jackson Hole Trust Company, with accounts held at US Bank (FDIC-insured).1 Flat fee, not interest.2 Savings comparisons based on published market rates.3 No guaranteed timeline.4 Not financial advice.8

Savings.Club's AI-powered member assessment system is patent-pending. U.S. Patent Application filed. All rights reserved. The Savings Score algorithm and associated technology are proprietary to Savings Club Financing Technologies, LLC.

Important Legal Disclaimer

Savings.Club is a member-directed coordination platform only. You are purchasing membership services and becoming a Beneficiary of a trust overseen by Jackson Hole Trust Company, with accounts held at US Bank (FDIC-insured up to applicable limits). Contributions to the Common Fund are at-risk (as defined and acknowledged in the Membership Agreement) and are not traditional savings or deposits. Timing depends on other members' payments; defaults may cause significant delays or loss. Your contributions to the Common Fund cannot be withdrawn on demand.

This is NOT an investment, there is NO expectation of profit or gain.

Disclosures & Footnotes
  1. About Savings.Club
    Savings.Club is a brand name of Savings Club Financing Technologies, LLC. Savings.Club is a fintech company, not a bank. Savings.Club does not accept deposits. Member common fund contributions are held in a trust overseen by Jackson Hole Trust Company, a licensed fiduciary, with accounts held at US Bank, an FDIC-insured institution. FDIC insurance covers member funds in the trust up to applicable limits. Savings.Club cannot access, redirect, or use trust funds for any purpose other than member benefit.
  2. Flat Fee Structure
    Savings.Club charges a flat Membership Fee, not interest or financing charges. This upfront fee simply covers our comprehensive services—such as administration, oversight, security, education, and more—as well as the infrastructure that allows our members to help one another finance purchases. The fee is calculated once, never changes, and does not accrue daily. It varies by financial profile, product category, and voucher value. Membership does not guarantee a specific timeline for asset award.
  3. Savings Comparisons
    All savings comparisons on this website are based on published average rates by credit tier and standard amortization calculations using data from the Federal Reserve, Experian State of Auto Finance reports, Freddie Mac Primary Mortgage Market Survey, and other public sources. Individual results may vary based on credit profile, asset selection, and market conditions.
  4. Savings Score & Selection
    The Savings Score is a proprietary, patent-pending metric developed by Savings.Club. Members are assessed monthly on the 15th. Selection is based on Savings Score ranking within your club. Savings.Club does not guarantee a specific timeline for receiving a purchasing voucher.
  5. No Credit Check
    We accept all credit profiles, and a credit check is never required to join a savings club. You may optionally provide your credit score to improve your Savings Score ranking, but it is entirely up to you. Savings.Club does not perform hard credit inquiries as part of the membership process.
  6. Flexibility During Savings Phase
    During the savings phase (before your purchasing voucher is awarded), you may switch to half-payments, freeze your contributions, or transfer your membership to another person. After your purchasing voucher is awarded, standard obligations apply.
  7. Global System References
    References to the global savings club system describe the general cooperative purchasing model used in over 100 countries. Historical references to 800+ years describe the documented history of cooperative savings clubs globally.
  8. Not Financial Advice
    The information on this website is provided for educational and informational purposes only and does not constitute financial, investment, legal, or tax advice. Please consult a qualified financial advisor, attorney, or tax professional before making significant financial commitments.
  9. Patent-Pending Technology
    ROTEX AI and the Savings Score system are patent-pending technologies developed by Savings.Club. Patent application(s) have been filed with the United States Patent and Trademark Office.
  10. Compliance Program
    Savings.Club maintains policies and procedures to address key federal and state regulations, including TILA/Regulation Z, BSA/AML/KYC, and ECOA fair lending principles. Savings.Club currently operates in TX, FL, MA, and CT.

Your rights and all risks are governed exclusively by the full Membership Agreement and Trust Agreement. By using this site you acknowledge you have been advised to consult your own licensed attorney before joining. Binding arbitration and class-action waiver apply.

For complete legal documentation, visit our Legal Hub, Disclosures, or Consumer Protection pages.

Last Updated: February 18, 2026

© 2026 Savings.Club (Savings Club Financing Technologies, LLC). All rights reserved. Operating in TX, FL, MA, CT.

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