Your Privacy

Privacy Policy

Your privacy matters. This policy explains what information we collect, how we use it, and how we protect it. We never sell your personal information.

Last updated: February 2026

Information We Collect

We collect personal information necessary to administer savings club memberships, including name, contact information, and financial profile data. We also collect usage data through cookies and analytics to improve our services. Information is collected when you: create an account, join a savings club, use our website, contact our support team, or interact with our AI assistant.

How We Use Your Information

Your information is used to: administer your savings club membership, calculate your Savings Score, process contributions and awards, communicate with you about your account, improve our services and user experience, comply with legal and regulatory requirements, and protect against fraud and unauthorized access.

Information Sharing

We do not sell your personal information. We may share information with: our independent trustee (Jackson Hole Trust Company) for trust administration, our banking partner (US Bank) for fund management, service providers who assist in operating our platform, and law enforcement when required by law. All third parties are bound by confidentiality agreements.

Data Security

We implement industry-standard security measures including encryption in transit and at rest, access controls, regular security audits, and employee training. Member financial data is protected under GLBA (Gramm-Leach-Bliley Act) federal privacy standards.

Cookies & Analytics

We use cookies and similar technologies to: maintain your session, remember your preferences, analyze website usage patterns, and improve our services. You can control cookie settings through your browser. Our analytics are used solely to improve the user experience and are not shared with advertisers.

Your Rights

You have the right to: access your personal information, correct inaccurate information, request deletion of your information (subject to legal retention requirements), opt out of marketing communications, and request a copy of your data in a portable format. To exercise these rights, contact privacy@savings.club.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Financial records are retained in accordance with applicable federal and state regulations.

Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

Changes to This Policy

We may update this privacy policy from time to time. We will notify you of material changes by posting the updated policy on our website and, where appropriate, by email. Your continued use of our services after changes constitutes acceptance of the updated policy.

Contact

For privacy-related questions or to exercise your rights, contact us at privacy@savings.club. For general inquiries, contact info@savings.club. Savings Club Financing Technologies, LLC.

Disclosures & Footnotes

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.
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.
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.
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.
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.
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.
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.
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.
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.
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.

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