Trust Center
How your money is protected
Every claim we make is verifiable. Here's exactly how Savings Club works and why your money is safe.
Your funds are held in an FDIC-insured trust account
Every dollar you contribute is held in an FDIC-insured trust account at a regulated bank. Your money is never at risk. It's protected by the same federal insurance that protects any bank deposit, up to $250,000.
Source: FDIC.gov
One flat fee. No interest charges. Ever.
Savings Club charges a single flat administration fee (typically 10%) on the asset price. That's it. No compound interest, no hidden charges, no rate changes. The fee is agreed upfront and spread evenly across your payments. On a $30,000 car, you pay $33,000 total ($3,000 flat fee). A bank at 6.8% APR for 84 months charges you over $38,000 for the same car ($8,000+ in compounding interest).
Source: Savings Club Fee Structure
800+ years of proven history
The savings club model dates back to 12th-century Japan (documented in peer-reviewed academic literature). In 1775, the first cooperative purchasing society was founded in England. Today, the model operates in over 90 countries. In Brazil alone, it has been regulated by the Central Bank since 1962 and has facilitated over $200 billion in asset purchases.
Source: Emerald (PRISMA systematic review), Dekle 1999 (Columbia University), ABAC / Banco Central do Brasil
You can leave anytime
If you decide Savings Club isn't for you, you can withdraw your contributions. There's no lock-in, no penalty for changing your mind. Your money is yours.
Source: Savings Club Terms
Regulated and transparent
Every pool, every allocation, every fee is visible to members. You can see exactly where your money is, how the pool is performing, and when your allocation is projected. No black boxes.
Source: Savings Club Transparency Policy
Not a loan. Not debt.
When you receive your allocation, it's not a loan. You don't owe anyone. The money comes from the pool of member contributions. There's no lender, no creditor, no debt on your record.
Source: Savings Club Structure
Still have questions? Ask ROTEX anything about how your money is protected.
Dig deeper
Technology
Savings Score AI, the trust ledger, ROTEX, and the patent-pending stack behind the platform.
Savings Score factors
The complete ECOA-strict feature allowlist + the protected attributes the model never uses.
Cooperative finance, globally
Bausparkasse, consórcio, ROSCAs — 9-country view with regulators and member counts.
Consumer protection
Why savings clubs are not securities under U.S. law (Howey Test analysis).