What this is
A membership relationship between you and W$R Capital, a division of IANS & SONS INC. (Texas S-Corporation, EIN 85-2244374). It is not a banking, lending, or investment agreement.
Your Reserve
The W$R Reserve is your money. W$R does not own, take title to, or have unrestricted access to Reserve funds. Funds are held at our partner financial institution (currently EPS / Pathward via the W$R Loyalty Card program). You can withdraw at any time.
Membership tier and billing
You select a monthly tier. The majority of every monthly fee is auto-credited to your Reserve (Survival: $20, Ownership: $42, Protection: $72, Vault: $112). Billing is monthly via Stripe; you can upgrade, downgrade, pause, or cancel anytime.
W$R Standing (internal score)
Standing is an internal relationship score that reflects your engagement with the W$R ecosystem. It is not a credit score, not reported to credit bureaus, not regulated under FCRA, and not sold or shared with any third party. It is used only to unlock premium access products.
Access products
Membership may make you eligible to apply for: W$R Holiday Advance (EPS-originated, up to $500), Emergency Reserve Access (withdrawal hold against your own Reserve up to 80%), W$R Builder Capital (referral to licensed partner), and W$R Working Capital (premium business funding). Each product has its own terms and qualification criteria.
Termination
You can cancel anytime. Your Reserve balance remains your property. Membership fees already billed are non-refundable. W$R may terminate for cause (non-payment beyond 60 days, fraud, abuse), which does not affect your Reserve balance.
Data and privacy
We collect only what's needed to operate the membership, your Reserve, your Standing, and tax preparation services. We share with: the partner bank holding Reserve funds, licensed partners only if you apply for their products, and tax authorities as required by law. Your Standing data is never sold or shared externally.
Governing law
This Agreement is governed by Texas law. Disputes are resolved first by direct communication, then by binding arbitration in Tarrant County, Texas, except where prohibited.
By signing below you acknowledge you have read and agreed to this Agreement. Your IP address, timestamp, and the version of this Agreement are recorded as proof of acceptance.