Legal
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.
Privacy Policy
How we collect, use, and protect your personal information.
Disclosures
Detailed disclosures about fees, asset acquisition, member protection, and marketing practices.
Consumer Protection
How savings clubs differ from securities and the regulatory framework that protects members.
Complaints
How to file a formal complaint and our resolution process.
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.