Good Driver Club Program Terms and Conditions¶

Last Updated: June 11, 2026 Including Statement of Values and Principles Membership in the Good Driver Club Program ("GDC Program") is grounded in a shared commitment to ethical principles and mutual trust among Members. The GDC Program offers Members the assurance that their contributions are shared with individuals who uphold the same values and standards of conduct. Those who apply to participate in the GDC Program should agree to the following Statement of Values and Principles. The Administrator of the GDC Program reserves the right, at its sole discretion, to terminate the membership of any individual whose actions are inconsistent with this Statement of Values and Principles or otherwise bring the GDC Program or its community into disrepute. Integrity and Honesty: Integrity and honesty are essential human virtues, and Members are fully committed to upholding these principles, rejecting any form of deceit or fraud. This commitment applies not only to the application process for auto loss sharing but also to how Members promote our product and in their interactions with family, partners, and everyone they engage with. Mutual Support and Kindness: Members constitute a community of good drivers who support one another, always ready to help fellow Members who have experienced losses. Members are grateful for those who have supported them in their times of need, valuing their trust and kindness. At the same time, Members are dedicated to helping new Members integrate smoothly into the community, extending the benefits of Good Driver Club to more people they care about. Responsibility: Members hold a strong sense of responsibility. Members prioritize safe driving, work to prevent accidents whenever possible, and take accountability for themselves, their families, and their communities. Through their dedication to safe driving, they aim to make the world a better place. Additionally, they feel it is their duty to share the importance of safe driving with those they care about. Embracing Innovation: Members see innovation as a catalyst for social progress. Each Member is dedicated to continual learning and skill development, embracing the opportunities and lifestyles technology offers, and taking pride in his/her personal growth each day. Benefit others and oneself: Members cherish the beautiful aspects of life and take joy in sharing them with others. By promoting GDC Program that benefit the community, Members receive the rewards they deserve and take pride in using those rewards to enrich their own lives and those of their families. By acknowledging this Statement of Values and Principles, Members agree their understanding of and alignment with the above values and principles that guide the Good Driver Club community. To ensure these values and principles are consistently upheld, please carefully review and accept the Good Driver Club Program Terms and Conditions below before completing your membership enrollment.

Introduction of Good Driver Club Program¶

The Good Driver Club Program ("GDC Program") outlined herein provides the terms and conditions that the Members are required to acknowledge, accept, and adhere to for participation and continued Membership . The GDC Program is a program that Members jointly formulated with the primary purpose of creating a community of Members dedicated to the achievement of the following common goals: (i) promoting responsible driving practices and minimizing the occurrence of automobile accidents. The capitalized terms not defined in this Section I shall have the meaning set forth in Section II below. The Members entrusted use of the App ("GDC Platform" or "Platform") to support the execution and operation of the GDC Program. Good Driver Mutuality Inc. ("GDM"), acting as the administrator of the GDC Program (the "Administrator"), collaborates with third-party Service Providers, including Designated Third-Party Administrators ("TPAs"), Payment Processors, and Auto Repair Body Shops. The terms and conditions of the GDC Program (these "Terms and Conditions") identify the services to be provided to the Members by the Administrator, the Designated TPA, the Payment Processor, Auto Repair Body Shop, and other Service Providers. THE GDC PROGRAM IS NOT INSURANCE AND DOES NOT OFFER A PROMISE OF INDEMNITY THAT IS INTENDED TO SHIFT THE RISK OF LOSS TO A THIRD PARTY SUCH AS AN INSURANCE COMPANY. AS SUCH, THE GDC PROGRAM DOES NOT PROVIDE A GUARANTY OF PAYMENT UPON THE OCCURRENCE OF ANY EVENT, SUCH AS A PAYMENT FOR DAMAGE OR REPAIRS TO YOUR AUTO. IN OTHER WORDS, THERE EXISTS NO ASSURANCE THAT ANY MEMBER WILL RECEIVE ANY DIRECT OR INDIRECT DISTRIBUTION, ANY REPAIRS TO THEIR VEHICLE OR ANY OTHER MONETARY OR NON-MONETARY BENEFITS IN THE EVENT OF ANY DAMAGE TO THEIR AUTO. RATHER, THE GDC PROGRAM COLLECTS, MANAGES AND PROCESSES SHARINGS AMONG MEMBERS. THESE SHARING CONTRIBUTIONS ARE FULLY VOLUNTARY. The Terms and Conditions applicable to the GDC Program are set forth herein with the accompanying Appendix, the Terms of Service and such other documents published and acknowledged by the Members on the Platform incorporated herein. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY, PAYING SPECIAL ATTENTION TO THOSE SET FORTH IN BOLD FONT, BEFORE DECIDING TO PARTICIPATE IN THE GDC PROGRAM. ONCE YOU ACKNOWLEDGE AND ACCEPT THESE TERMS AND CONDITIONS, YOU ARE DEEMED TO FULLY UNDERSTAND, CONSENT TO AND AGREE TO BE BOUND BY, AND COMPLY WITH, THESE TERMS AND CONDITIONS, ALONG WITH THE TERMS AND CONDITIONS SET FORTH IN THE ACCOMPANYING APPENDIX, THE TERMS OF SERVICE AND SUCH OTHER DOCUMENTS PUBLISHED AND ACKNOWLEDGED BY THE MEMBERS ON THE GOOD DRIVER PLATFORM. YOU SHALL NOT CLAIM THAT THESE TERMS AND CONDITIONS ARE INVALID AND NOT BINDING ON YOU ON THE GROUNDS THAT YOU DID NOT READ THESE TERMS AND CONDITIONS AND OTHER DOCUMENTS IDENTIFIED ABOVE. IMPORTANT NOTICE REGARDING ARBITRATION FOR U.S. MEMBERS: WHEN YOU AGREE TO THESE TERMS AND CONDITIONS YOU ARE AGREEING (WITH LIMITED EXCEPTION) TO RESOLVE ANY DISPUTE BETWEEN YOU AND GOOD DRIVER, INC. (THE "ADMINISTRATOR") THROUGH BINDING, INDIVIDUAL ARBITRATION RATHER THAN IN COURT. PLEASE REVIEW CAREFULLY SECTION XII (DISPUTE RESOLUTION AND ARBITRATION AGREEMENT) BELOW FOR DETAILS REGARDING ARBITRATION.HOWEVER, IF YOU ARE A RESIDENT OF A JURISDICTION WHERE APPLICABLE LAWS PROHIBITS ARBITRATION OF DISPUTES, THE AGREEMENT TO ARBITRATE IN SECTION XII WILL NOT APPLY TO YOU BUT THE PROVISIONS OF SECTION XIII (GOVERNING LAW AND JURISDICTION) WILL APPLY INSTEAD.

Definitions¶

Except as may be specifically defined in other sections of these Terms and Conditions, the capitalized terms used in these Terms and Conditions shall have the meanings described below. For those capitalized terms not defined anywhere in these Terms and Conditions, the definitions provided in the Terms of Service or other documents published and acknowledged by the Members on the App shall apply.

"Actual Cash Value" is the replacement cost of the auto or property less Depreciation or Betterment.
"Actual Total Sharing Contribution Amount" is the actual amount Members collectively share in a sharing contribution cycle. Actual Total Sharing Contribution Amount equals the total Authorized Sharing Amount of a Sharing Contribution Cycle minus the available balance in the Designated Account at that Sharing Contribution Cycle.
"App" means the Good Driver Club Program application that the Member is required to download on their smartphone to join the GDC Program and complete certain actions to fulfill their roles and responsibilities under these Terms and Conditions.
"Applicant" means a Member who submitted a Sharing Request upon occurrence of an Eligible Event.
"Authorized Loss Amount" means the loss amount that is attributable to the GDC Program and that is determined by the Administrator for each Eligible Event. Please refer to Section III.4.(iv) of the Appendix for the formula used to calculate Authorized Loss Amount of the Total Loss Event and the Authorized Loss Amount of the partial loss.
"Authorized Sharing Amount" means the amount of Sharing an Applicant is entitled to receive under the GDC Program, determined by the difference between the Authorized Loss Amount and the Remaining Pledge Balance successfully obtained.
"Authorized Transportation Assistance Amount" means the transportation expenses incurred due to the loss of vehicle usage resulting from any of the Eligible Events.
"Auto Repair Body Shop" means a network of body shops undertaking the auto repair requests of the Members.
"Betterment" is improvement of the auto or property to a value greater than its pre-loss condition.
"Contamination (including radioactive contamination)" refers to the defacement or, deterioration in the condition, of the Planned Auto, or personal injury or death due to the leakage, splash, discharge, scattering, etc. of oil, exhaust gas, goods or other pollutants during the normal use of the Planned Auto.
"Contribution" means the dollar amounts voluntarily transferred by a Member to the Good Driver Club Program for continued participation in the GDC Program. Because participation in the GDC Program is not a contract for insurance and participation is voluntary, contributions are not a "demand for payment" for a service.
"Custom Parts or Equipment" means equipment, furnishings, and parts upon or in a Planned Auto, other than original manufacturer or dealer installed equipment, furnishings, or parts. This includes but is not limited to a.) special carpeting or insulation, b.) furniture or bars, c.) height extended roofs, d.) body, engine, exhaust or suspension enhancers, e.) winches, f.) anti-roll or anti-sway bars, g.) custom wheels, tires, or spinners, h.) custom grilles, louvers, side pipes, hood scoops or spoilers, i.) custom chrome, paint, murals, decals, or other graphics, j.) caps, covers, and bedliners. This also includes any electronic equipment, antennas, and other devices used exclusively to send or receive audio, visual, or data signal, or to play back recorded media, other than those which are original manufacturer installed, that are permanently installed in the Owned Auto or newly acquired vehicle using bolts or brackets, including slide-out brackets.
"Depreciation" means a decrease or loss in value to the auto or property because of use, disuse, physical wear and tear, age, obsolescence or other causes.
"Designated Account" means the account opened with the Payment Processor that is used to facilitate the Sharings.
"Designated TPA" means a certain third-party administrator appointed by the Administrator to determine the Authorized Loss Amount in response to a Member's report of an auto damage incident.
"Effective Period" means the period during which Members enjoy rights and assume obligations under his/her Plan.
"Eligible Event" means any direct and accidental loss for which a Member is eligible to file a Sharing Request as provided by these Terms and Conditions. Please refer to the Appendix for the details of an Eligible Event.
"Farm Auto" means a truck type vehicle (i) that has a gross vehicle weight of 15,000 pounds or less, and (ii) is not used for commercial purposes other than farming.
"Individual Shared Amount" means the pro-rata Member Pledge Amount that the Member elects to share within each Sharing Cycle of the GDC Program,. For the specific pro-rata formula used to calculate the Individual Shared Amount, please refer to Section V.2.(iii).A of these Terms and Conditions.
"Limit of Authorized Loss Amount" means the highest auto repair costs the Member is entitled to apply under his/her Plan for each Eligible Event. The specific provisions of the Limit of Authorized Loss Amount for each Eligible Event are set forth in Section III.2 of the Appendix to these Terms and Conditions.
"Listed Driver" means one or more regular users of the Planned Auto, other than the Member, that are listed in a Plan.
"Member" refers to a User who joined the GDC Program and whose Plan is still within the Effective Period.
"Plan" refers to specific contractual terms and conditions applicable to each Member and his/her Planned Auto upon the Member's enrollment in the GDC Program.
"Plan Account" refers to the account ledger maintained on the Platform, documenting the transactions of each Member, which include but are not limited to, the Pledge Amount, sharing contribution made and received, and the projected account balance, among others.
"Natural Disaster" refers to a sudden and terrible event in nature that can cause loss of life or property damage, including lightning strikes, storms, rainstorms, floods, tornadoes, hail, typhoons, hurricanes, tropical storms, tsunamis, ground subsidence, cliff collapses, landslides, mudslides, avalanches, ice subsidence, blizzards, icicles, sandstorms, earthquakes and their secondary disasters.
"Non-owned Auto" means a private passenger, farm or utility auto or trailer not owned by or furnished for the regular use of either the Member or his/her relatives, except a Temporary Substitute Auto. Member or Member's relative must be using the auto or trailer within the scope of permission given by its owner. An auto rented or leased for more than 30 days will be considered as furnished for regular use.
"Owned Auto" means any vehicle described in the Plan that is owned by a Member as evidenced by the property title issued by the jurisdiction in which the vehicle was sold to the Member.
"Out-of-Pocket Expenses" refers to a fixed amount that the Applicant is responsible for paying as their portion of the loss amount for each Eligible Event. This fixed amount is set forth on the Platform and subject to the option of the Members when joining the GDC Program. In the event of an Eligible Event, the actual amount the Applicant is required to pay is the sum of the "Out-of-Pocket Expenses" and the "Remaining Pledge Balance." For Partial Losses that only involve glass repair work, the "Out-of-Pocket Expenses" is waived.
"Outstanding Contribution" refers to the amount of money that a Member of Good Driver Club Program is required to pay, but has not yet settled, either for their weekly Sharing or for the Remaining Pledge Balance associated with their own eligible event. This may arise when a Member fails to make timely payments as per the agreed terms of the Membership. Members with an Outstanding Contribution are granted a grace period to rectify their payment status. This is a designated amount of time provided to the Member from the date of the first notification to address and clear their due payments. Failure to settle an Outstanding Contribution within the grace period may result in automatic withdrawal from the GDC Program. The concept of an Outstanding Contribution highlights both the responsibility and the cooperative spirit embedded within the GDC Program community. It encourages timely financial participation by all Members, ensuring mutual support and the smooth functioning of the mutuality benefits.
"Payment Instrument" means the payment methods including bank card or bank account that each Member provides when the Member joins the GDC Program, which will be used by such Member to perform the Member's rights and obligations of the Plan such as making and receiving Sharing Contributions.
"Payment Processor" means the third-party payment processing company to process Sharing Contribution charge from Members and payment to those Members who request Sharing Contributions and to applicable Recipient.
"Permissive Driver" refers to a Planned Auto driver not specifically a resident within the Member's household and has been given permission by the Member to temporarily drive the Planned Auto.
"Planned Auto" means the auto described in Section I.2. of the Appendix, ie., Qualifications of a Planned Auto and the Listed Drivers.
"Pledge Amount" means the maximum sharing amount that a Member is committed to share during one Effective Period of the Plan so he/she can fulfill the sharing commitment according to these Terms and Conditions. The Pledge Amount will be determined when the Member applies to join/renew the GDC Program. The Pledge Amount is for reference purpose only and the actual sharing amount each Sharing Cycle of each Member can only be determined at the applicable Sharing Cycle.
"Quote" is a statement provided to a prospective Member that specifies the Pledge Amount and the service fee payable to the Administrator for the Plan Effective Period in which the Member is interested in joining.
"Quote Amount" is the amount shown in a Quote. The Quote Amount equals the sum of the Pledge Amount and the service fees payable to the Administrator.
"Recipient" means a party that is entitled to receive fund disbursements, including Members who have suffered a Total Loss and all third-party Service Providers that contributed to repairing or recovering the losses, such as Auto Repair Body shops, glass specialty repair facilities, and electronic recalibration facilities, as applicable.
"Authorized Representative" means a person designated by a Member or titled owner through a written, electronic, or other authorization method approved by the Administrator to act on behalf of such Member or titled owner in connection with the GDC Program, including communications, Eligible Events administration, payment processor account setup, document submission, and receipt of disbursements to the extent authorized by the person otherwise entitled to receive such disbursement under these Terms and Conditions.
"Remaining Pledge Balance" is a financial measure used to determine the remaining committed funds to a specific Plan. The Remaining Pledge Balance equals the Pledge Amount minus the cumulative total of all Individual Shared Amount of one Member in the context of a Plan's Effective Period. As each Sharing Cycle occurs, Sharing Contributions made are subtracted from the Pledge Amount, and the Remaining Pledge Balance is updated to reflect the remaining funds designated for future Sharing Contributions.
"Service Provider" means any third party that supports the operation of the GDC Program.
"Share" or "Sharing " means the activities of Members voluntarily giving a certain amount of funds to support the auto repair of other Members. Note that once a sharing is made, it is deemed that the Sharing Contributions have been donated to other Members and cannot be claimed back from other Members.
"Sharing Cycle" means every specific period starting as of the launch date of the GDC Program. The Sharing Cycle initially is one week and might be adjusted based on the operation status of the GDC Program for improvement of customer experience.
"Sharing Request" means a request to the Members for a sharing contribution through the Platform upon the occurrence of an Eligible Event during each Sharing Cycle based on these Terms and Conditions stated herein.
"Temporary Rental Auto" means an automobile of comparable class and value to the Planned Auto, rented by the Member or a listed driver from a nationally recognized automobile rental agency, for personal use, within the United States, for a cumulative period not exceeding thirty (30) days in any given calendar year.
"Temporary Substitute Auto" means an automobile or Trailer, not owned by a Member, temporarily used with the permission of the owner. This vehicle must be used as a substitute for the Owned Auto or Trailer when withdrawn from normal use because of its breakdown, repair, servicing, loss or destruction.
"Total Loss" includes actual total loss and constructive total loss. If a Planned Auto is lost after an Eligible Event or is severely damaged and completely loses its original shape and utility, or cannot be restored to pre-loss condition, or can no longer be owned by the Member, or is legally required to have a branded or salvage title, it is an actual total loss; If it is considered that the actual total loss is inevitable, or the cost to restore to pre-loss condition exceeds or is close to the Actual Cash Value, and the Administrator negotiates with the Members to apply for the Sharing Contribution in the form of total loss, it is a constructive total loss.
"Trailer" means a non-powered vehicle towed by another vehicle and designed for use with a private passenger auto and not used as a home, office, store, display or transport of passengers.
"Traffic Hit and Run" refers to the act of fleeing from the scene of a road traffic accident by driving or abandoning a vehicle or absconding and hiding in order to evade legal responsibility after the occurrence of such road traffic accident.
"Total Loss Event" means the incident causing the Total Loss.
"User" means the user who validly registered on the Platform.
"Utility Auto" means a vehicle, other than a Farm Auto, with a gross vehicle weight of 15,000 pounds or less of the pick-up body, van or panel truck type not used for commercial purposes.

GDC Program Participation¶

Become a Member In order to protect all Members' interests, the Administrator will review a prospective Member's driving history and the conditions of his/her Planned Auto to determine whether he/she is eligible to enroll in the GDC Program according to the qualification provisions of the Appendix set forth in Section I.2. If he/she and the Planned Auto meet the qualification criteria, he/she is eligible to become a Member of the GDC Program. Eligibility for the GDC Program is determined at the sole discretion of the Administrator. A prospective Member becomes a Member after passing the review of the Administrator and upon effectiveness of his/her Plan. Please refer to Section IV.2(i) for the effective date of the Plan. A Member enjoys the right to submit a Sharing Request for the Planned Auto following an Eligible Event and may choose whether or not to contribute when other Members experience an Eligible Event.
Number of Planned Auto A Member is entitled to enroll multiple Planned Auto in the GDC Program. When a Member elects to enroll multiple Planned Autos in the GDC Program, the rights and obligations of the Member under the terms of the GDC Program shall be assessed independently for each Planned Auto. This includes but is not limited to, the determinations concerning Pledge Amount, Authorized Loss Amount, Authorized Sharing Amount and any other rights and obligations pertaining individually to each Planned Auto, independently and without bearing on the rights and obligations associated with any other Planned Autos owned by the Member.
Restriction on Enrollment for Autos on Single Declarations Page If two or more autos are listed on a single insurance declaration page the autos must be enrolled in the GDC Program as Planned Auto under the same family member. A household shall not divide, allocate, assign, or otherwise enroll such autos among multiple Members. The restrictions above shall apply either (i) prior to the expiration date of the declarations page, or (ii) 30 days after the enrollment of any auto listed on the declarations page, whichever is later. Any enrollment or attempted enrollment in violation of this provision may, as determined by the Administrator in its sole discretion, result in denial of a Sharing Request, cancellation or termination of the applicable Plan(s), and/or ineligibility for participation in the GDC Program.
Representations and Warranties concerning a Planned Auto for which a Member is not the titled owner If the Member applies to have a Planned Auto enrolled in the GDC Program as to which the Member is not the titled owner, the Member represents and warrants the following:
he/she has obtained the express acknowledgement and consent of the titled owner of the Planned Auto to have the Planned Auto enrolled in the GDC Program; and must submit to the Administrator at enrollment verification of such express acknowledgement;
he/she has obtained the express acknowledgement and consent of the titled owner of the Planned Auto to have the Designated TPA and/or Administrator verify the owner's identity and the title to the auto in the case of Eligible Event;
he/she is liable to fulfill the financial duty of the Plan, including but not limited to paying service fees, contributing to weekly sharing, and paying up Remaining Pledge Balance before requesting sharing from other Members; and
In the Total Loss Event, and provided that the titled owner of the Planned Auto has not authorized the transfer of disbursement rights to the Member, he/she acknowledges that cash disbursement, if any, will only be disbursed to the titled owner of the Planned Auto.

The Member acknowledges and agrees that should any of the aforementioned representations be found to be false, or the Member breaches any of the aforementioned representations, then the Member's Sharing Request will be rejected.

Exclusion of Certain States You cannot join the GDC Program if your Driver License resident address or primary address is in AK, HI, NY, RI, MA. However, if a Member is driving through one of those states and has an Eligible Event, it may be eligible for sharing if it meets the Prerequisite of Applying for Sharing Request set out in Section V.1.

Plan¶

Pledge Amount When a Member enrolls in the GDC Program, he/she shall maintain at least one valid Payment Instrument designated for the Payment Processor to charge service fee, the Individual Shared Amount, Remaining Pledge Balance, transaction fees and other fees necessary to fulfill the obligations under the Plan. The Pledge Amount may vary from Member to Member, based on factors such as make and model of Planned Auto, driving record and sharing history. The Member's Pledge Amount may change when he/she renews the GDC Program after the expiration of his/her previous term of the Plan in accordance with the GDC Program's prevailing pricing mechanism. The Member will receive a notification via email and the App prior to any charge occurring notifying the Member of the charge and of any changes required and the reasons for the changes. The Member should make sure that his/her Payment Instrument remains valid and always has sufficient funds or credit amount to pay Individual Shared Amount needed in each Sharing Cycle. If the Member's Payment Instrument does not have sufficient funds or credit amount, then the Platform will notify the Member and the Member has 14 days (the "Grace Period") to rectify such a situation. The Platform will continuously try to charge the Individual Shared Amount during the Grace Period. At the beginning of the Grace Period, any associated rights conferred by these Terms and Conditions shall be forfeited accordingly unless the Member pays the Individual Shared Amount during the Grace Period. At the end of the Grace Period, if the Platform still cannot successfully charge the full amount of the Individual Shared Amount, then the relevant Member shall be deemed to have withdrawn from the Plan and ceased to be a Member. The Individual Shared Amount recovered within the Grace Period will be used to offset the Authorized Amount of the next Cycle and will be stored at the Designated Account.
Effectiveness and Invalidity of Plan
Effectiveness of Plan: The Plan shall take effect on the date selected by the Member after the Member pays the service fees to the Administrator.
The Effective Period of the Plan is 6 months unless it terminates earlier according to the provisions provided under these Terms and Conditions.
Unless withdrawn, a Member's Plan will be renewed automatically provided that he/she satisfies the qualification criteria of the Plan at the time of the renewal.
Invalidity of the Plan: Notwithstanding anything else provided in these Terms and Conditions, the Plan becomes invalid for a Member (i) when the Effective Period of the Plan expires, (ii) when the Member elects not to participate in a Sharing Contribution, (iii) when the Member fails to contribute to Individual Shared Amount subject to Section IV.1 prior to the end of the Grace Period when the Member withdraws early or terminates their Membership subject to Section VI.2., when the Member fails to pay part or all of the Remaining Pledge Balance prior to the end of the Grace Period in the event that he/she filed the Sharing Request. The date of invalidity starts from 11:59 pm local time on any of the earlier dates mentioned above.
Sharing Contributions The Pledge Amount committed by each Member will be used for Sharing Contributions during the Effective Period of the Plan. When there is an Eligible Event and the Sharing Request approved during each Sharing Cycle, the Member can elect whether or not to participate in sharing.

Prerequisite of Applying for Sharing Request
When a Member's Planned Auto has an Eligible Event within the time period described below, the Member is entitled to submit a Sharing Request for that Eligible Event.
any Eligible Event occurred before 11:59 pm local time on the expiration date of the Effective Period of the Plan.
any Eligible Event occurred before 11:59 pm local time on the application date of withdrawal from the Plan, provided that the Effective Period of Plan applicable to the Planned Auto has yet to expire. For the provisions concerning withdrawing from the Plan earlier, please refer to Section VI.2.
Where a Member is compensated (in whole or in part) for the loss or damage to their Planned Auto by any means, the Member's right to submit a Sharing Request shall be limited to the uncompensated amount. This restriction applies irrespective of the compensation source, including without limitation the following:
When a third party is liable for the losses on a Planned auto, the Member needs to obtain the insurance information of the liable party and to first seek indemnification from the liable party or the liable party's insurer. A Member is only eligible to submit a Sharing Request for the amount that's not fully indemnified by the liable party or the liable party's insurer.
If a Member holds a valid auto insurance policy at the time of an eligible event that would fully or partially cover the loss, the Member must first seek indemnification from their own insurer. The Member is only eligible to submit a Sharing Request for the amount not fully indemnified by their insurer.
With respect to a Temporary Rental Auto, the Member shall be eligible to submit a Sharing Request solely for that portion of the loss or damage which is not otherwise fully indemnified, reimbursed, or covered under: (a) any insurance or damage waiver (including but not limited to Collision Damage Waiver, or CDW) provided by the rental car company; (b) any CDW or similar benefit conferred by the Member's credit card issuer; and (c) any other valid and collectible insurance or indemnity coverage available to the Member.
When a Member submits a Sharing Request for an event of a Planned Auto, the Designated TPA and/or the Administrator will determine whether it falls into the scope of the Eligible Event and determine the Authorized Loss Amount.
Only the Administrator is authorized to evaluate and rule upon a Sharing Request. As a result, Members must notify the Administrator to verify the Eligible Event and the Authorized Loss Amount. If the Member has repaired the Planned Auto prior to notifying the Administrator, then the Member is not eligible to submit a Sharing Request.
Sharing Request and Authorized Sharing Amount
Upon satisfaction of the prerequisite provided in Section V.1. above, the Member is entitled to submit a Sharing Request.
If the Member's Authorized Loss Amount is less than the Remaining Pledge Balance as recorded in such Member's Plan Account, then the Member's Payment Processor by Power of Attorney given upon enrollment of the GDC Program by the Member will charge from the Member an amount equivalent to the Authorized Loss Amount and transfer to the Recipient directly. Under the foregoing circumstances, the Member is not entitled to obtain any Authorized Sharing Amount.
If the Member's Authorized Loss Amount is more than the Remaining Pledge Balance as recorded in such Member's Plan Account, then: (a) the Payment Processor by Power of Attorney will charge all Remaining Pledge Balance and transfer to the Recipient directly; (b) the Member shall be eligible to receive an Authorized Sharing Amount subject to this provision and Section V.2.(v) below – i.e., the gap between the Authorized Loss Amount less the Remaining Pledge Balance; and (c) the aggregate Remaining Pledge Balance and the Authorized Sharing Amount will be transferred to the Recipient directly. Notwithstanding the foregoing, for glass-only losses, the Remaining Pledge Balance may be waived if the Member has selected an applicable glass Remaining Pledge Balance waiver. In Florida, North Carolina, and Kentucky, such waiver is included per state market practices in all applicable GDC Plans. In all other states, such glass-only partial losses may be offered as an optional feature subject to additional contribution or pricing adjustments determined by the Administrator.

To fulfill the payment obligations to the Auto Repair Body Shop within the Good Driver Club community, Good Driver Club Program will maintain a reserve fund. This reserve fund will establish a floating standard of up to 9.9% on the Individual Shared Amount to address instances of insufficient funds provided to the Auto Repair Body Shop due to failure of deduction of certain Member's Individual Shared Amount. The additional amount allocated to this reserve does not represent the total actual funds that will be paid immediately to the Auto Repair Body Shop; rather, it serves as a provision for potential non-performing Contribution due to the failure of deduction of certain Member's Individual Shared Amount. Furthermore, in the absence of actual bad debt occurrences or the actual bad debt occurrences is less than the then reserve fund maintained, then all or part of the reserve fund will be applied to the next Sharing Cycle. The Administrator will closely monitor the bad debt rate each Sharing Cycle. Bad debt shall mean the difference between the expected total amount of the Member's Individual Shared Amount and the received amounts. Under the foregoing described scenario, each Member's pro-rata Individual Shared Amount shall be calculated by the following below formula:

Each Member's Individual Shared Amount = Remaining Pledge Balance multiply the sharing ratio applied
The sharing ratio is calculated by dividing the Actual Total Sharing Contribution Amount multiply (1+ a floating standard)by the cumulative Remaining Pledge Balance across all Members' Plan Accounts at that time, subject to adjustment based on actual collection of Members' Contribution. Where Floating Standard = 9.9%
Notwithstanding the provisions set forth in Section V.2. (ii) and (iii) above, such provisions shall not absolve the Member of the obligation to maintain responsible driving behaviors. Specifically, it is incumbent upon the Member to satisfy any Authorized Loss Amount by firstly utilizing the entirety of the Remaining Pledge Balance at the time when such Authorized Loss Amount is approved. The Member is obligated to ensure that his/her Payment Instrument has sufficient funds to pay the Remaining Pledge Balance. On the date of picking up the repaired auto, the Member should pay the Out-of-Pocket Expenses to the Auto Repair Body Shop directly. The Payment Processor by power of attorney will charge the Remaining Pledge Balance and pay the same together with the Authorized Sharing Amount (if any) to the applicable Recipient in accordance with these Terms and Conditions. Should the Member default on the sufficiency of the Remaining Pledge Balance, he/she will be given a 14-days Grace Period, and the Payment Processor will try to charge the Remaining Pledge Balance continuously during the Grace Period. At the beginning of the Grace Period, any associated rights conferred by these Terms and Conditions shall be forfeited accordingly unless the Member pays the Remaining Pledge Balance during the Grace Period. At the end of the Grace Period, the insufficiency of the Remaining Pledge Balance shall effectuate an automatic withdrawal of the Member from the Plan. Meanwhile, the Administrator reserves the right to collect the Remaining Pledge Balance from the defaulting Member in due course. In such circumstances, the Member breaches the Terms and Conditions herein and his/her credit score may be affected negatively. In the event of seeking re-enrollment in the GDC Program, the Member shall be required to pay any outstanding shortage of the Remaining Pledge Balance. Under no circumstances as aforementioned shall the Administrator be obligated to discharge any insufficiency of the Remaining Pledge Balance on behalf of the Member.
Notwithstanding the provisions provided in Section V.2.(iii), to promote responsible driving among its Members, Good Driver commits a one-off contribution of US\$2,000,000 to the GDC Program ("Good Driver's Contribution") during its initial launch. Members' Sharing Contribution shall be capped at 7.5% of their respective Pledge Amount per Sharing Cycle. If the Authorized Sharing Amount of a Sharing Cycle surpasses the then combined 7.5% of the Pledge Amount across all Members' Plan Account, Good Driver will provide up to 7.5% of Good Driver's Contribution to meet the surpassed amount. It is important to note that Good Driver's Contribution is a singular gesture and will not be replenished once exhausted over the course of the GDC Program under any circumstances. Notwithstanding the sharing contribution cap provided above for the Members, Members have the right to withdraw from the GDC Program at any time; but a Member's decision not to withdraw from the GDC Program and instead continue participating in the GDC Program constitutes the Member's authorization to have funds withdrawn from the Member's Payment Instrument as a voluntary sharing contribution up to a cap of 7.5% of their respective Pledge Amount per Sharing Cycle to funds for an Authorized Sharing Amount. Furthermore, based on the estimation of Member growth and Eligible Events occurrence rates within the Good Driver Club community, prior to December 31, 2026, the Authorized Sharing Amount for any Sharing Cycle shall be capped at 3.75% of the Pledge Amount. Upon dissolution of the GDC Program, if there is any remaining balance of the Good Driver's Contribution, Good Driver retains the right to reclaim such remaining funds. Further, in order to improve Member experience and facilitate the on-time repair, the Administrator will advance payment to relevant Member including Authorized Transportation Assistance Amount, trailer usage expenses, Authorized Sharing Amount in the event of Total Loss and the repair costs of Auto Repair Body Shop before fully collecting Members' Sharing Contribution of that Sharing Cycle. These advance payments shall be reimbursed by Members' Sharing Contribution collected during the same Sharing Cycle. If the advance payment exceeds Member's Sharing Contribution from that Sharing Cycle, the remaining balance will carry over to the next Sharing Cycle and will be settled using Member's Sharing Contribution from that subsequent Sharing Cycle.
In the event that the combined Sharing Contribution from Members and Good Driver is less than the Authorized Sharing Amount of a Sharing Cycle, then the available total Sharings shall be allocated on a pro-rata basis among the Members of that Sharing Cycle. The proportionate share attributable to each Member shall be equivalent to his/her Authorized Sharing Amount in relation to the aggregate Authorized Sharing Amount designated for that respective Sharing Cycle. The Member requesting the Sharing Contribution shall be individually liable for the resultant shortfall.
Auto Repair Procedures
The Administrator may conduct the loss assessment by itself or by working with the Designated TPA, and is empowered to facilitate the appointment of a Designated TPA for the purpose of loss assessment, and to orchestrate with authorized Auto Repair Body Shops for the execution of auto repair services. The Administrator is developing artificial intelligence to participate in the loss assessment process. The Administrator shall not be responsible for any actual expenditures incurred by the Auto Repair Body Shop. These expenditures shall be shared by all Members participating in the GDC Program and be allocated in accordance with the stipulations set forth in these Terms and Conditions and its Appendix.
The Planned Auto, if it suffers an accident and is repairable, must be repaired at one of the contracted Auto Repair Body Shops designated by the Administrator to be eligible for sharing, unless no contracted shop is available within a 25-mile radius of the Member's address linked to the Member's profile. There will be a direct contractual relationship between the Member and the Auto Repair Body Shop concerning auto repair, quality, service fee, warranty, etc.. Notwithstanding the above, if the closest contracted Auto Repair Body Shop is more than 25 miles away from the Member's address linked to the Member's profile, then the Member can elect to receive the Authorized Sharing Amount directly. In this case, the Member is responsible for its own shop selection and the Administrator or its Members should not be held responsible should any dispute arise between the Member and his/her own shop of choice.
In the event that the Auto Repair Body Shop conducts repair, the Planned Auto will be repaired using alternative (non-OEM) parts whenever available, except for safety components such as Safety Restraint Systems. The majority alternative parts will be supplied by the contracted national alternative parts supplier and the Administrator will endeavor to contract with such suppliers. The alternative parts will be available to the Auto Repair Body Shop through the approved estimating systems.
Once the repair costs are incurred, the repair details, including information about the accident, the geographic location of the Eligible Event, associated photograph(s), the causation adjudicated by the Designated TPA and/or the Administrator, parts involved, and an estimated itemized breakdown of costs, will be promptly shared with Members on the Platform. Please refer to the Privacy Policy for details of the information to be published. The publication announcement period is 7 days. On the next Monday following the public announcement period, the Payment Processor will facilitate the Member's distribution of the repair fee in the Authorized Sharing Amount or in a lesser amount to the Auto Repair Body Shop and other Recipient (if any) in accordance with Section V.2(iii)(iv). In the Total Loss Event, the Authorized Sharing Amount will be disbursed to the titled owner of the Planned Auto, rather than the registered Member. During the announcement period, if any Member does not agree to share contribution, he/she shall be deemed to have withdrawn from the GDC Program and shall follow the withdrawal procedures provided under Section VI.2.(i). If the Members don't withdraw from the GDC Program after the announcement period ends, it will be deemed that those Members have approved the Authorized Sharing Amount announced by the Platform.
Please be aware that for any Eligible Event, the repair expenses can be divided into initial estimated costs and the variance between those estimates and the actual costs. The associated Sharing Contribution will align with the frequency at which the Auto Repair Body Shop and other applicable Recipients collect these costs.

Expiration, Withdraw and Renew¶

Expiration
Upon the expiration date of the Effective Period, the Plan will terminate automatically.
A Member shall enjoy the rights and obligations arising from the Plan of the Planned Auto before 11:59 pm local time on the expiration date. For example, a Member can elect to participate in sharing or not for the Eligible Event occurred before 11:59 pm local time on the expiration date, and a Member can submit a Sharing Request for the Planned Auto within 365 days if the Eligible Event occurs before 11:59 pm local time on the expiration date.
If there is a pending Sharing Request under the Plan after 11:59 pm local time on the expiration date, then the Plan shall duly expire on the expiration date and the related Plan Account will be put on hold until the day after the upcoming Sharing Cycle, allowing the Member to receive the Authorized Sharing Amount before the aforementioned date.
Withdrawal or Early Termination
Withdrawal
A Member can withdraw from the Plan at any time within the Effective Period. Such Members shall still enjoy the rights and obligations under the Plan of the Planned Auto until 11:59 pm local time on the withdrawal application date. For example, a Member can elect to participate in sharing or not for the Eligible Event occurred until 11:59 pm local time on the application date, and a Member can submit a Sharing Request for the Planned Auto until 11:59 pm local time on the application date. If a Member elects not to share a contribution, such Member will withdraw from the Plan automatically.
Subject to the provisions set forth in Section IV.1. and Section VI.2.(iii)(a), if the Member fails to contribute his/her Individual Shared Amount or Remaining Pledge Balance attributable to him/her after elapse of the Grace Period, the Member is deemed to have withdrawn from the Plan automatically, starting from the beginning of the Grace Period.
If there is any pending Sharing Request under the Plan before 11:59 pm local time on the withdrawal date of the Plan, then the Plan shall duly expire on the withdrawal date and the related Plan Account will be put on hold until the day after the upcoming Sharing Cycle, allowing the Member to receive the Authorized Sharing Amount before the aforementioned date.
Termination on Total Loss The Plan shall be subject to an early termination in the event of a Total Loss. The termination will take effect upon the completion date of the Total Loss Event. Prior to the completion date of the Total Loss Event, the Member shall still enjoy the rights and obligations under the Plan. For example, a Member can elect whether or not to participate a sharing contribution for the Eligible Event occurred before the completion date of the Total Loss Event.
Withdrawal due to an Abnormal Event
If the Member's Payment Instrument is in abnormal status and cannot withdraw Outstanding Contributions during the Grace Period, then the Member is unable to fulfill its obligations under these Terms and Conditions, the Member is deemed to have withdrawn from the GDC Program automatically.
In order to continuously comply the applicable law and ensure the smooth operation of the GDC Program, the Administrator is entitled to amend these Terms and Conditions such as Member enrollment qualifications, Pledge Amount rules and the type of Payment Instrument acceptable, the Members concerned shall take actions necessary to follow the amended Terms and Conditions. Otherwise, the Administrator will deem the Member is ineligible to the GDC Program and can suspend the services to such Member or terminate the Member's membership in the GDC Program.
Upon occurrence of any of the events described below, the Plan of the Members concerned shall terminate immediately. For the Members who have already obtained the Authorized Sharing Amount, the Administrator is entitled to recover the Authorized Sharing Amount from the applicable Members and thus reduce the loss caused to the community. The Administrator and Members retain the rights to pursue the legal liabilities of the defaulting Member.
Member, Sharing Request applicant, driver or other interested parties intentionally provide false information/material about the Planned Auto, the owner or the driver or other Qualifications of a Planned Auto and the Listed Drivers specified in Section I.2 of the Appendix, the occurrence of the incident or the details of the incident;
Member, Sharing Request applicant, driver or other interested parties intentionally cause the incident;
After the occurrence of the incident, Member, Sharing Request applicant, driver or other interested parties conceal or falsify certain material or other evidence, conceal or falsify the causation of the auto accident and traffic accident scene, alter or change parts on the Planned Auto, or exaggerate the loss of the incident.
Renewal of Plan
The Plan will be renewed automatically. A renewal notice specifying the Pledge Amount for the renewed term will be provided to the Member through email and on the Platform 30 days prior to the expiration of the existing Plan provided that Planned Auto meets the GDC Program renewal qualification criteria set out in Section I.2 of the Appendix. If the Member has any objection to the renewal terms, please contact the Administrator. If the Member does not raise any objection, the Plan will be renewed based on the new terms specified in the renewal notice.
The Pledge Amount of the new Plan will be adjusted based on factors including, without limitation, the Eligible Event of the Member in the previous term.
In the event that a vehicle applied as a Planned Auto fails to satisfy the qualification criteria provided in Section I.2 of the Appendix, then the proposed Member shall not be eligible to join (or renew) the GDC Program until such time as the vehicle meets the qualification criteria as a Planned Auto.
A Member is prohibited from renewing the Plan if the Member previously withdrew from the Plan due to an abnormal event as previously described in Section VI.2.(iii).

Rights and Obligations of the Members¶

Rights. In addition to the rights identified elsewhere in these Terms and Conditions, Members shall have the following rights:
To file a Sharing Request for an Eligible Event as the principal of the Plan. If an Authorized Sharing Amount is applied in response to a Sharing Request, Members then shall have the right to decide whether to participate in the Sharing.
To obtain information and material provided by the Platform, to review the record of the Plan such as Remaining Pledge Balance and Contributions of each Sharing Cycle, to understand the Eligible Event for which a Sharing Request is eligible to make and to question the Administrator the qualifications of the Eligible Event.
To authorize the Administrator to recover the Authorized Sharing Amount in the event that a certain Member obtains the Authorized Sharing Amount through the submission of fraudulent material and/or information. Funds that are recovered will be deposited into the Designated Account and used to offset the Authorized Sharing Amount for the subsequent Sharing Cycle.
Obligations. In addition to the obligations identified elsewhere in these Terms and Conditions, Members shall have the following obligations:
The obligations to provide true, valid and complete identification and Planned Auto information and to notify the Administrator when the information changes promptly. A Member is fully responsible for ensuring their information is accurate at all times and the Member is solely responsible for any errors or inaccuracies. Members shall authorize the Administrator to verify the authenticity of the information thus provided through an independent third party and the Administrator shall have rights but no obligation to verify such information. Members shall authorize the Administrator to reject his/her Sharing Request and terminate the Plan if the Member fails to provide true, valid and complete information or fails to update the information thus provided. Further, any dispute and the loss caused by the Member's failure to provide foregoing information shall be assumed by the Member concerned.
The obligations to provide true, valid and complete information to the Administrator as soon as reasonably possible upon occurrence of Eligible Event if the Member decided to file a Sharing Request under the GDC Program. The Administrator is entitled to reject the Sharing Request if the Member fails to provide the above-mentioned information in a timely manner, making it impossible to determine the eligibility of the event.
The obligation to maintain a valid Payment Instrument to make and receive sharing contributions.
To review, acknowledge and accept the Terms and Conditions relevant to the GDC Program.
Members shall acknowledge and accept the Terms of Service of the Service Providers such as the Administrator, the Platform, the Designated TPA, and the Payment Processor and provide know-your-customer material as requested by the Service Providers.
The obligation to read the information pushed by the Platform concerning an alleged Eligible Event and the publicity information, and read the amendment to these Terms and Conditions and its Appendix. Members shall not request that any person take any liabilities because he/she did not review any public information on the Platform or pushed by the Platform.
The obligation to securely save a Member's user name and the password of the Platform. All operations using username, password, and private key to log in the Platform or account are deemed to be the activities of the Member and the Member shall assume all liabilities arising therefrom.
To authorize the Administrator to, at its sole discretion, terminate the usage of any password or user account, or to discontinue certain services, and to remove or delete any content provided by the Member who has breached these Terms and Conditions or the Appendix, or has failed to perform certain obligations stipulated within these Terms and Conditions, or has gained undue advantages through fraudulent measures, thereby violating these Terms and Conditions or infringing upon the interests of other Members.
To recognize and concur that the Administrator may, without prior notification, immediately deactivate or remove a Member's account on the Platform, along with any associated information and documents, and temporarily or permanently restrict the Member's usage of said documents or account upon the detection of unlawful activity.
To acknowledge and agree that payment processing and the use of Payment Processor is integral to the service and the Administrator will exchange information (including personal information of Members) with Payment Processor to facilitate the services.
To consult with the Member's own tax advisor whether your Sharing Contribution is subject to any tax deduction or eligible for tax recognition. Good Driver makes no representation as to whether any or all of the Sharing Contribution is tax deductible or eligible for tax credits or treatment of similar nature. Members are responsible for all tax obligations relating to the GDC Program and shall consult their independent tax advisor to assess their personal situation.
To acknowledge and agree that the Good Driver Club Program is not insurance and does not satisfy a Member's contractual obligation to carry full coverage insurance required by a lender. As the borrower, the applicable Member remains solely responsible for repaying his/her auto loan, even if his/her auto is declared a Total Loss. The Administrator can assist in auctioning the salvaged vehicle only if the Member transfers the title of his/her Planned Auto to it; otherwise, the applicable Member will be responsible for disposing of the salvaged vehicle on his/her own.

The Service Scope and the Service Fee of the Administrator, Designated TPA and Other Service Providers¶

Scope of Work:
The Administrator develops the internet infrastructure/Platform utilized by the GDC Program and provides technical support accordingly.
The Administrator develops technology and risk control measures to screen high risk auto, guide the good driving behavior and automate loss assessment.
The Administrator establishes a network of Service Providers, comprising Designated TPA, Auto Repair Body Shop, Payment Processor, pricing data providers, and on spot survey to assist the Members.
The Administrator manages the operation of the GDC Program and the App.
The Administrator initiates the first version of these Terms and Conditions of the GDC Program and is entitled to amend and supplement the Terms and Conditions based on the feedback of Members and the improvement points identified during the operation of the GDC Program. The Terms and Conditions are deemed to have taken effect upon publication on the Platform.
The Administrator assesses whether a prospective Member has fulfilled the enrollment criteria of the GDC Program set forth in Section I.2 of the Appendix and shall decide the admission of such prospective Member. If the Administrator identifies any misrepresentation of the Members concerning enrollment criteria set forth in Section I.2 of the Appendix, the Administrator can terminate the Member's Plan immediately. The Administrator possesses exclusive authority in determining admissions to the GDC Program and thus holds the final decision-making power regarding such matters.
The Administrator will disclose each Eligible Event on the Platform. Members should acknowledge and consent that pertinent details of the Eligible Event, including anonymized vehicle information, the Authorized Loss Amount, the Authorized Sharing Amount, accident handling procedures, and photographs, Member's name, vehicle plate number, and VIN (excluding Mobile number, identity card number, and driver's license number), will be made available for public scrutiny on the Platform.
The Administrator can reject a Sharing Request pertaining to an incident which does not comply with these Terms and Conditions.
For the approved Sharing Request, the Administrator is entitled to charge the applicable fund from each Member's Payment Instrument to obtain the Individual Shared Amount and the Remaining Pledge Balance from the Applicant whose Sharing Request is approved and transfer the same to the Auto Repair Body Shop by working with the Payment Processor it cooperated with in accordance with the Terms and Conditions set forth herein.
The Administrator is entitled to cooperate with a qualified Payment Processor to manage the fund flow of the Pledge Amount and the Authorized Loss Amount payment to the applicable Recipient.
The Administrator and/or the Designated TPA will judge whether an alleged event by the Member meets the criteria of an Eligible Event, and will determine the loss amount, the Authorized Loss Amount and the Authorized Sharing Amount if it is an Eligible Event.
Auto Repair Body Shop will provide a guarantee and warranty of repairs and workmanship. Auto Repair Body Shop will cooperate with the Administrator and the Designated TPA during the repair process for any issues that may arise during the repair process and after repairs have been completed. Auto Repair Body Shop will interact and conduct business with the Member in a professional and courteous manner.
Contracted alternative parts suppliers agree to provide a limited lifetime warranty on their KeysIQ products. A contracted alternative parts supplier guarantees its parts to be free of defects in material and workmanship for as long as the Member owns the vehicle. If a warranty request is pre-approved by the contracted alternative parts supplier, a replacement part will be provided and reimbursement for installation labor will be included.
Non-Refundable Service Fees
The Administrator shall charge service fees from each Member at an amount of 20% of the Quote Amount of each Plan. Unless otherwise provided in these Terms and Conditions, the service fee of the Plan shall be charged when the Member joins and renews the GDC Program each time. The service fees of the Plan will not be refunded once the Plan takes effect because the Administrator has provided certain services to the Members when the Member joins the GDC Program.
In addition to other usages set out in these Terms and Conditions, the 20% service fees charged by the Administrator will also be used to cover the loss assessment service fees and pricing data usage fees.

Rights and Obligations of Administrator, Designated TPA and Other Service Providers¶

Rights
If the Administrator cannot continually manage or serve Members, it will serve 90-days prior notice to Members.
The Administrator, the Designated TPA, and other Service Providers expressly disclaim any guarantee of uninterrupted or error-free service, and shall not be held liable for any failures or disruptions in service, or for any losses or consequential damages incurred by Members as a result thereof. This includes, but is not limited to, circumstances where a Member is unable to send, receive, or accurately interpret information due to factors beyond the control of the Administrator, the Designated TPA, or other Service Providers, such as force majeure events, computer viruses, cyberattacks, or issues related to internet or telecommunications instability, as well as any other unforeseen technical malfunctions. The Administrator is not liable for any discrepancies, errors, or omissions in the information or contributions submitted by Members.
If the system that the Platform or the GDC Program is based on has an incident and therefore affects the normal operation of the GDC Program, the Administrator will attempt to coordinate with the community and developers to fix the incident, to the extent possible. The Administrator may not be able to fix or cause to be fixed any such incident. In addition, the Administrator reserves the right to suspend any and all services without prior notice for purposes of system maintenance, upgrade, or similar events.
The dispute among Members not related to any Eligible Event shall be resolved by Members themselves, while the Administrator, the Designated TPA, and other Service Providers will not involve or take any liabilities for the disputes.
The Administrator, the Designated TPA and other Service Providers are solely providing services to the Members in relation to Sharing Request and they are not liable to pay for any Authorized Sharing Amount to the Members under any circumstances.
None of the Administrator, the Designated TPA and other Service Providers will make any warranty regarding whether Members are willing to share contribution and/or the Authorized Sharing Amount the Members can obtain.
Obligations
All Service Providers are obligated to keep Member's information confidential but have no obligation to verify whether the information provided by the Members is true or false.
All Service Providers shall notify a Member to supplement the missing certificate and material all at once if they deem that the certificate and material are not complete.

Fund Management¶

General Rules of Fund Management
The usage of the Authorized Loss Amount is public, transparent and subject to the supervision of the Members. The Administrator represents and warrants that it will not misappropriate the Authorized Loss Amount and will regularly publicize the usage status of the Authorized Loss Amount on the Platform.
When a Member files a Sharing Request, the Administrator is entitled to calculate the Authorized Sharing Amount according to Section V of these Terms and Conditions, and notify the bank and/or third-party Payment Processor to deduct fund from the applicable Payment Instrument of those Members who elect to participate in sharing and make distribution to the applicable Recipient in the event of partial loss, to the title owner in the event of Total Loss. The deduction of funds from the Payment Instrument shall be subject to the power of attorney of the Members. The Administrator and the Payment Processor may rely upon any authorization designating an Authorized Representative. Any payment, transfer, or disbursement made to an Authorized Representative designated by the person otherwise entitled to receive such payment under these Terms and Conditions shall be deemed payment made directly to such person and shall constitute full satisfaction of the Administrator's and Payment Processor's obligations with respect to such payment.
The transaction fee relating to the sharing contribution, including without limitation to credit or debit transactions, sharing contribution disbursement, transfer and payment shall be paid by each applicable Member himself/herself.
The Member shall ensure that their Payment Instrument remains valid and possesses adequate funds or credit to cover Sharings. It is important to note that in the event of a failed transaction or an overdraft, the bank will impose fees for which the Member shall be solely responsible.
When the Administrator calculates any amount mentioned in these Terms and Conditions, it will be accurate to the nearest digit. If the amount is less than 1 cent US dollar, it will be automatically rounded up.
Account Details
The Member shall maintain a Payment Instrument with the bank or digital bank that cooperated with the Payment Processor.
The Administrator shall open a platform account with the same Payment Processor to serve the sole function of receiving Sharing Contributions and have it paid to Auto Repair Body Shops or other Service Providers.

Dissolution¶

The Administrator will track the Pledge Amount data on daily basis and shall immediately inform Members if the accrued total Authorized Sharing Amount surpasses the elapsed total Pledge Amount determined based on the elapsed portion of the Plans' Effective Period (i.e., the average elapsed period of Plans/Effective Period of Plans* total Pledge Amount). Upon occurrence of the foregoing circumstances, the Administrator may dissolve the GDC Program. Further, in the event that the Administrator cannot manage or serve the Platform, or the number of Members stays below 1,200 for more than 18 months, the Administrator reserves the right to dissolve the GDC Program. Upon dissolution, the Administrator may, at its discretion, choose to either (i) continue serving the Member until the completion of their Plan's Effective Period, or (ii) provide a prorated refund of the service fees for the remaining term of the Plan. Once these measures are carried out, all rights and obligations between the Administrator and Members shall cease forthwith, and the Administrator shall incur no further obligations to the Members thereafter.

Dispute Resolution and Arbitration Agreement¶

THIS PROVISION CONTAINS AN AGREEMENT THAT AFFECTS HOW CLAIMS YOU MAY HAVE AGAINST THE ADMINISTRATOR, OR CLAIMS THE ADMINISTRATOR MAY HAVE AGAINST YOU, WILL BE RESOLVED. THE PARTIES UNDERSTAND AND AGREE THAT THIS DISPUTE RESOLUTION AGREEMENT OPERATES AS A SEPARATE AND DISTINCT AGREEMENT THAT IS SEVERABLE FROM THE REMAINDER OF THESE TERMS AND CONDITIONS AND IS ENFORCEABLE REGARDLESS OF THE ENFORCEABILITY OF ANY OTHER PROVISION OF THESE TERMS AND CONDITIONS. CONSIDERATION FOR THIS DISPUTE RESOLUTION AGREEMENT INCLUDES, WITHOUT LIMITATION, THE PARTIES' MUTUAL AGREEMENT TO ARBITRATE CLAIMS. THE PARTIES FURTHER UNDERSTAND AND AGREE THAT THE UNENFORCEABILITY OF THE TERMS AND CONDITIONS IN WHOLE OR IN PART SHALL NOT SUPPORT A FINDING THAT THIS DISPUTE RESOLUTION AGREEMENT IS UNENFORCEABLE. THE FEDERAL ARBITRATION ACT ("FAA") SHALL GOVERN THIS DISPUTE RESOLUTION AGREEMENT WITHOUT GIVING EFFECT TO ANY STATE LAW TO THE CONTRARY.
Any controversy, claim or dispute of whatever nature arising between you, on the one hand, and the Administrator and/or the Related Parties (as defined in subsection (6) below), on the other, including but not limited to those arising out of or relating to the GDC Program, these Terms and Conditions or the breach thereof, or the commercial, economic or other relationship of you and the Administrator and/or the Related Parties (for purposes of this Section, each a "Party", collectively with you, the "Parties"), whether such claim is based on rights, privileges or interests recognized by or based upon statute, contract, tort, common law or otherwise ("Dispute") shall be settled through negotiation, mediation or individual binding arbitration, as provided herein.
Negotiation and Mediation. If a Dispute arises, the Parties shall first attempt in good faith to resolve it promptly by negotiation. The Parties agree that prior to submitting any dispute or claim to arbitration for resolution, the Parties shall initiate the negotiation process pursuant to this paragraph. Any of the Parties involved in the Dispute may initiate negotiation by providing notice (the "Dispute Notice") to each involved Party setting forth the subject of the Dispute and the relief sought by the Party providing the Dispute Notice and designating a representative who has full authority to negotiate and settle the Dispute. Within ten (10) business days after the Dispute Notice is provided, each recipient may respond to all other known recipients of the Dispute Notice with notice of the recipient's position on and recommended solution to the Dispute, designating a representative who has full authority to negotiate and settle the Dispute. Within twenty (20) business days after the Dispute Notice is provided, the representatives designated by the Parties will make a good faith effort to confer either in person at a mutually acceptable time and place or by telephone or video conference, and thereafter as often as they reasonably deem necessary, to attempt to resolve the Dispute. At any time twenty (20) business days or more after the Dispute Notice is provided, but prior to the initiation of arbitration, regardless of whether negotiations are continuing, any Party may submit the Dispute to Judicial Arbitration and Mediation Services, Inc. ("JAMS") for mediation by providing notice of such request to all other concerned Parties and providing such notice and a copy of all relevant Dispute Notices and notices responding thereto to JAMS. In such case, the Parties shall cooperate with JAMS and with one another in selecting a mediator from the JAMS panel of neutrals and in promptly scheduling the mediation proceedings and shall participate in good faith in the mediation either in person at a mutually acceptable time and place or by telephone, in accordance with the then-prevailing JAMS's mediation procedures and this Section, which shall control.
Arbitration. Any Dispute not resolved in writing by negotiation or mediation shall be subject to and shall be settled exclusively by final, binding arbitration before a single arbitrator or, for Disputes in excess of two million dollars (\$2,000,000 USD), a panel of three arbitrators, in Kent County in the State of Delaware in accordance with the then-prevailing Streamlined Arbitration Rules & Procedures of JAMS. The JAMS Rules are available (i) online at https://www.jamsadr.com/RULES-STREAMLINED-ARBITRATION/, (ii) by telephone to JAMS at 1-800-352-5267, or (iii) upon request to the Administrator at compliance@gooddriver.ai. Unless the parties agree or the law of the jurisdiction in which you reside requires otherwise, the arbitration shall take place in Kent County, State of Delaware. No Party may commence Arbitration with respect to any Dispute unless that Party has pursued negotiation and, if requested, mediation, as provided herein, provided, however, that no Party shall be obligated to continue to participate in negotiation or mediation if the Parties have not resolved the Dispute in writing within sixty (60) business days after the Dispute Notice was provided to any Party or such longer period as may be agreed by the Parties. Unless otherwise agreed by the Parties, the mediator shall be disqualified from serving as an arbitrator in the case. The Parties agree to toll any applicable statute of limitations and filing fee deadlines while the Parties engage in this informal dispute resolution process from the date the Dispute Notice is received to the date an arbitration is commenced or the conclusion of the 60-day period described above, whichever is sooner, unless further tolling is agreed to by the Parties in writing. Except as provided herein, the arbitrator, and not a court, shall have the exclusive authority to resolve any dispute relating to the scope, interpretation, applicability, enforceability or formation of this Dispute Resolution and Arbitration Agreement, including, but not limited to, any claim that all or any part of this Dispute Resolution and Arbitration Agreement is void or voidable, is unconscionable, or has been waived. The parties expressly delegate all such issues to the arbitrator. However, notwithstanding anything in this Dispute Resolution and Arbitration Agreement, or any rule or provision of the JAMS rules, any issue concerning the validity of the class, collective, representative or joint action waivers provided in this Dispute Resolution and Arbitration Agreement must be decided by a court, and not an arbitrator. Except as provided for herein, if any provision of this Dispute Resolution and Arbitration Agreement is adjudged to be void or otherwise unenforceable, in whole or in part, such adjudication shall not affect the validity of the remainder of the Dispute Resolution and Arbitration Agreement.
Waiver of Class Action and Jury Trial. THE NEGOTIATION, MEDIATION OR ARBITRATION OF ANY DISPUTE SHALL BE LIMITED TO INDIVIDUAL RELIEF ONLY AND SHALL NOT INCLUDE CLASS, COLLECTIVE OR REPRESENTATIVE RELIEF. IN ANY ARBITRATION OF A DISPUTE, THE ARBITRATOR OR ARBITRAL PANEL SHALL ONLY HAVE THE POWER TO AWARD INDIVIDUAL RELIEF AND SHALL NOT HAVE THE POWER TO AWARD ANY CLASS, COLLECTIVE OR REPRESENTATIVE RELIEF. THE PARTIES UNDERSTAND AND AGREE THAT EACH IS WAIVING THE RIGHT TO TRIAL BY JURY OR TO PARTICIPATE IN A CLASS, COLLECTIVE OR OTHER REPRESENTATIVE ACTION.
The Administrator's affiliates, owners, members, managers and employees ("Related Parties") are intended third-party beneficiaries of the GDC Program, for purposes of the provisions of those documents referring specifically to them, including this agreement to negotiate, mediate and arbitrate. The Parties acknowledge that nothing contained herein is intended to create any involvement by, responsibility of, or liability for, the Related Parties with respect to any dealings between you and the Administrator, and the Parties further acknowledge that nothing contained herein shall be argued by either of them to constitute any waiver by the Related Parties of any defense which Related Parties may otherwise have concerning whether they can properly be made a party to any dispute between the other parties.
To the fullest extent allowed by law: (i) the costs of negotiation, mediation and arbitration, including fees and expenses of any mediator, arbitrator, JAMS, or other persons independent of all Parties acting with the consent of the Parties to facilitate settlement, shall be shared in equal measure by you, on the one hand, and the Administrator and any Related Parties involved on the other, except where applicable law requires that the Administrator bear any costs unique to arbitration (which the Administrator shall bear); and (ii) the arbitrator or arbitral panel or, in the case of provisional or equitable relief or to challenge an award that exceeds arbitral authority as described in this Dispute Resolution and Arbitration Agreement, the court, shall award reasonable costs and attorneys' fees to the person or entity that the arbitrator, arbitral panel, or court finds to be the prevailing party; provided, however, that if fees are sought under a statute or rule that sets a different standard for awarding fees or costs, then that statute or rule shall apply.
Nothing in these Terms and Conditions shall prevent either Party from applying for or obtaining from any court having jurisdiction a writ of attachment, a temporary injunction, preliminary injunction, permanent injunction, or other equitable relief available to safeguard and protect such Party's interests or its confidential information prior to, during or following the filing of an arbitration or other proceeding, or pending the rendition of a decision or award in connection with any arbitration or other proceeding.
Any Party may seek specific performance of this Dispute Resolution and Arbitration Agreement, and any Party may seek to compel each other Party to comply with this Dispute Resolution and Arbitration Agreement by petition to any court of competent jurisdiction. For purposes of any provisional or equitable relief sought under this Dispute Resolution and Arbitration Agreement, the Parties consent to exclusive jurisdiction and venue in the courts in Kent County in the State of Delaware, unless the law of the jurisdiction in which you reside requires otherwise. The pendency of mediation or arbitration shall not preclude a Party from seeking provisional remedies in aid of the arbitration from a court of appropriate jurisdiction, and the Parties agree not to defend against any application for provisional relief on the ground that mediation or arbitration is pending.
Mass Arbitration Process Requirements. If twenty-five (25) or more similar Disputes are asserted against the Administrator at or around the same time, and such Disputes involve the same or coordinated counsel or are otherwise coordinated and present substantially similar factual and legal issues (and your Dispute is one such Dispute), you understand and agree that the resolution of your Dispute might be delayed. You also agree to the following staged arbitration process, which unless otherwise stated in this paragraph provides additional requirements for arbitration and does not supplant the foregoing dispute resolution provisions. This process is intended to promote efficient, cost-effective resolution and does not limit your or The Administrator's right to pursue individual arbitration of any dispute. Initial Bellwether Arbitrations. The parties agree that up to Twenty (20) individual Disputes shall be selected to proceed to individual arbitration proceedings as part of a first batching process, ten (10) of which will be selected by the claimants and ten (10) of which will be selected by The Administrator. These arbitrations will proceed individually, with a different arbitrator assigned to each unless the parties agree otherwise. The parties agree to cooperate in selecting a diverse sample of claims. Mediation After Initial Arbitrations. If after the conclusion of the initial twenty (20) proceedings the parties are unable to resolve the remaining Disputes, the parties shall participate in a global mediation session before a retired state or federal court judge, for which The Administrator will pay the mediator's fee. If the parties are unable to resolve the remaining Disputes through mediation at this time, then forty (40) Disputes shall be selected to proceed to individual arbitration proceedings as part of a second batching process, twenty (20) of which will be selected by the claimants and twenty (20) of which will be selected by The Administrator. (If there are fewer than forty (40) Disputes remaining, all shall proceed.) Subsequent Stages. In any batching process, a single arbitrator shall preside over each proceeding, and only one proceeding may be assigned to each arbitrator unless the parties agree otherwise. If the parties are unable to resolve the remaining Disputes after the conclusion of the forty (40) proceedings, the parties shall participate in another global mediation session before a retired state or federal court judge, for which the Administrator will pay the mediator's fee. If the parties are unable to resolve the remaining Disputes in mediation at this time, this staged process shall continue with no more than one hundred (100) Disputes proceeding at any time in a staged order that is selected randomly or by JAMS, until all the coordinated Disputes, including your Dispute, are adjudicated or otherwise resolved. Voluntary Mediation at Any Time. At any time during these proceedings, either party may request a global mediation and we agree to participate in a global mediation session should your counsel request it in an effort to resolve all remaining claims. Such a mediation shall not affect a party's right to proceed with arbitration if the mediation is unsuccessful. Staying and Tolling. Any applicable statute of limitations on your Disputes and filing fee deadlines shall be tolled for claims subject to this section regarding "Mass Arbitration Process Requirements" from the time Disputes are selected for the first set of batching proceedings until the time your Dispute is selected to proceed in arbitration, withdrawn, or otherwise resolved. Enforcement and Process Oversight. A court of competent jurisdiction shall have authority to enforce this section regarding "Mass Arbitration Process Requirements" and, if necessary, to enjoin the filing or prosecution of arbitration demands against the Administrator. Should a court of competent jurisdiction decline to enforce these "Mass Arbitration Process Requirements," you and we agree that your and our counsel shall jointly request that JAMS appoint a Process Arbitrator and engage in good faith and with the assistance of the Process Arbitrator to resolve procedural disputes, ensure fairness, and devise and implement procedures that ensure that arbitration remains efficient and cost-effective for all parties. The parties agree that the Process Arbitrator shall have authority to modify the batching procedure as necessary to comply with applicable law and ensure efficient and timely resolution of claims. Either party may engage with the JAMS to address reductions in arbitration fees. Compliance with JAMS Rules. This provision is intended to comply with the JAMS Minimum Standards of Procedural Fairness. To the extent of any conflict between this section and the JAMS Rules or applicable law, the JAMS Rules and law shall control.

Governing Law and Jurisdiction¶

Except as otherwise described herein, these Terms and Conditions will be construed in accordance with and governed by the laws of the State of Delaware, without regard to its choice of law principles, and the Federal Arbitration Act shall govern the Dispute Resolution and Arbitration Agreement of these Terms and Conditions, without giving effect to any state law to the contrary. Except as provided herein, and to the fullest extent permitted under applicable law, jurisdiction and venue of any matter or Dispute not subject to arbitration shall reside exclusively in a state or federal court sitting in Kent County, Delaware, unless the laws of the state in which you reside requires otherwise.

Composition of the Terms and Conditions, Amendment, and Effectiveness¶

The Appendix forms an integral part of the Terms and Conditions. The Terms and Conditions including its Appendix may be amended or supplemented in response to changes in legislation or to comply with compliance obligations or to enhance the customer experience for Members. Once the amended Terms and Conditions and its Appendix are published on the Platform, they will become effective immediately. The date these amendments were last updated is identified at the top of the Terms and Conditions. It is the Member's sole responsibility to (a) ensure that their Account information is current and accurate; (b) regularly access the application and periodically review this page for any notices or amendments; and (c) maintain a functioning device and application capable of receiving in-app notices. The Administrator will endeavor to provide prior notice of changes but assumes no liability for any failure of a Member to receive such notice.
Notification Methods. The primary channel for all notifications and amendments is through posting within the application or on the first page of this Terms and Conditions. Electronic mail ("Email") may be used as a supplementary channel at the Administrator's sole discretion, typically reserved for changes deemed material by the Administrator (such as those concerning privacy, fees, or dispute resolution). The use of email is undertaken to provide more prominent notice and does not create an obligation to use it for every change. The Member should exercise his/her rights and obligations based on these Terms and Conditions. If any Member does not accept the Terms and Conditions and its amendment from time to time, he/she shall immediately terminate the Plan, stop using the Platform and withdraw from the GDC Program. If the Member continually uses the services stipulated in these Terms and Conditions, then he/she is deemed to accept and be bound by these Terms and Conditions.
NOTWITHSTANDING ANYTHING TO THE CONTRARY ABOVE, ANY AMENDMENT BY THE ADMINISTRATOR TO THE DISPUTE RESOLUTION SECTION HEREIN (SECTION XII) SHALL ONLY TAKE EFFECT UPON MEMBER'S EXPRESS AGREEMENT TO SUCH AMENDMENT. MEMBER MAY INDICATE THEIR AGREEMENT TO SUCH PROPOSED AMENDMENT BY FOLLOWING THE INSTRUCTIONS ACCOMPANYING NOTICE OF THE PROPOSED AMENDMENT THAT WILL APPEAR WHEN LOGGING IN TO THE COMPANY WEBSITE/APPLICATION. NOTICE OF AMENDMENTS TO THE DISPUTE RESOLUTION SECTION SHALL BE EMAILED TO MEMBER AT MEMBER'S EMAIL ADDRESS ON FILE. IN ADDITION, NOTICE OF AMENDMENTS TO THE DISPUTE RESOLUTION SECTION MAY BE POSTED VIA THE APP. IF MEMBER REJECTS AN AMENDMENT OF THE DISPUTE RESOLUTION SECTION WITHIN 30 DAYS OF THE DATE OF THE NOTICE, SUCH REJECTION SHALL BE DEEMED AS MEMBER'S VOLUNTARY TERMINATION OF THE Plan. ADMINISTRATOR MAY TERMINATE THE Plan OF ANY AFFILIATE WHO DOES NOT AGREE TO A PROPOSED AMENDMENT TO THE DISPUTE RESOLUTION SECTION WITHIN THIRTY (30) DAYS AFTER THE EFFECTIVE DATE OF THE AMENDMENT,. IN THE EVENT COMPANY FAILS TO TERMINATE THE AFFILIATE AGREEMENT OF SUCH AN AFFILIATE, THE DISPUTE RESOLUTION SECTION AS IT EXISTED PRIOR TO AMENDMENT SHALL REMAIN IN EFFECT WITH RESPECT TO SUCH AFFILIATE.
ANY SUCH AMENDMENT TO THE DISPUTE RESOLUTION SECTION SHALL APPLY TO ALL CLAIMS BROUGHT BY COMPANY OR THE AFFILIATE ON OR AFTER THE EFFECTIVE DATE OF THE AMENDMENT, REGARDLESS OF THE DATE OF OCCURRENCE OR ACCRUAL OF ANY FACTS UNDERLYING SUCH CLAIM.
Should there be any inconsistency between these Terms and Conditions and its Appendix, the contents of the Appendix shall prevail.

Good Driver Club Program Appendix to the Terms and Conditions¶

General Rules of Good Driver Club Program Appendix¶

Introduction¶

This Appendix is attached to the Good Driver Club Program Terms and Conditions and has the same legal effect as the Terms and Conditions.

Qualifications of a Planned Auto and the Listed Drivers¶

To reduce car accidents and protect the rights of all Members, Planned Auto enrolling the GDC Program must meet the following requirements:

Model Year: Domestic and European Coupes & Sedans - 15 years or newer; all other brands & models - 20 years or newer
Allowed Body Styles: Sedan, Coupe, SUV, Truck, Trailer, or Van with no more than 9 seats
Allowed Brands: Acura, Alfa Romeo, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, Fiat, Ford, GMC, Genesis, Honda, Hyundai, Infiniti, Jaguar, Jeep, Kia, Land Rover, Lexus, Lincoln, Mazda, Mercedes-Benz, Mercury, Mini, Mitsubishi, Nissan, Oldsmobile, Pontiac, Plymouth, Ram, Scion, Smart, Subaru, Suzuki, Tesla, Toyota, Volkswagen, Volvo
Original retail value: \$100,000 or less
Expected annual mileage: 30,000 miles or less
Accident history: All Listed Drivers, which shall be designated on a per-Plan basis (and, where a Member enrolls multiple Planned Autos, Listed Driver shall be specified separately for each Plan), should have no more than 1 accident in the past 6 months
Vehicle usage: The auto is not intended for commercial use. Vehicles that are fully or partially used for commercial purposes, including but not limited to ride sharing, food delivery, or transportation services, must self-disclose these purposes during the Quoting process and will not be allowed to join the GDC Program.
Liability Insurance: must maintain valid state-mandated liability insurance throughout the entire duration of the Plan; and
The auto must not have a salvage or branded title, prior damage exceeding the state-mandated total loss threshold, significant body, fire, or flood damage, be unregistered, stolen, illegally obtained, or banned from public roads. A branded title includes a title marked as but not limited to:
Salvage
Junk
Rebuilt/Reconstructed
Dismantled
Flood
Fire
Hail
Manufacturer Branded Title Lemon
Canadian Total Loss
The auto must not have the following severe accident indicators
Crash Test Vehicle
Salvage Auction
Recycle Vehicle
Total Loss US
Scrapped
Fire Damage
Flood Damage
OEM Courtesy Buyback
Ownership Requirement: The Planned Auto must be owned by the Member as evidenced by the vehicle title, or owned by another titled owner who has expressly authorized the Member to enroll the vehicle in the GDC Program.Vehicles subject to a vehicle lease agreement, where the legal title is held by a leasing company, financial institution, dealership, or fleet operator and the driver only has the right to use the vehicle under a lease arrangement ("Leased Vehicles"), are not eligible to enroll in the GDC Program. For the avoidance of doubt, vehicles purchased through financing arrangements (including auto loans where a lender is listed as lienholder on the title) are considered owned vehicles and remain eligible for enrollment.

Additional Exclusions from the Planned Auto include:

Antique and classic vehicles
Motorcycles, all-terrain vehicles, recreational vehicles, golf carts, snowmobiles, jet skis, boats, buses, commercial vehicles, emergency and first-responder vehicles, heavy equipment, and farm equipment
Luxury brands: including Arrinera, Aston Martin, Bentley, Bollinger, Bugatti, Canoo, DeLorean, Ferrari, Fisker, Hennessey, Hummer, Ineos, Karma, Koenigsegg, Lamborghini, Lordstown Motors, Lotus, Lucid, Maserati, Maybach, McLaren, Noble, Pagani, Pininfarina, Polestar, Porsche, Rimac, Rivian, Rolls Royce, Saleen, Saturn, Spyker, SSC, VinFast, W Motors, Zenvo
Custom "kit" vehicles: a vehicle that is a set of parts that a manufacturer sells, with some parts sourced from used vehicles or other vendors, and the buyer assembles into a functioning vehicle
Gray market vehicles: any vehicle imported into the United States through a channel other than a manufacturer's authorized distributor, and therefore does not have an express warranty that is valid in the United States
Fully autonomous vehicles: including Alphabet Waymo, GM Cruise, and Hyundai Motional Ioniq5; or
Luxury and sporty vehicle models from allowed brands:
BMW: all M Series models, XM, i8
Mercedes Benz: AMG GT sedan and coupe models, SL Roadster
Audi: R8 Coupe and R8 Spyder, all RS models
Tesla: Model X, Model S & Cyber Truck
Chevrolet: Camaro ZL1 1LE, all Corvette C8 models
Cadillac: Escalade V-Series, CT5 V-Series, CT4 V-Series
Ford: Mustang GT350 and GT500 models, Bronco Raptor, Ranger Raptor, F150 Raptor
Dodge: Challenger Hellcat and Demon models, Charger Hellcat and Demon models, Durango SRT Hellcat, Ram TRX
Jeep: Grand Cherokee Trackhawk
Nissan: GT-R
Commercial vans including but not limited to: Ford Transit, Transit Connect, E-Transit; Mercedes-Benz Sprinter, eSprinter, Metris; Ram ProMaster, ProMaster EV, ProMaster City; Nissan NV1500, NV2500 HD, NV3500 HD; Chevrolet BrightDrop 400 and BrightDrop 600. Any such vehicle currently enrolled may continue through its current Effective Period but will not be eligible for renewal.
Renewal of a Member's Plan shall be denied if the Member has experienced two (2) or more Eligible Events within the preceding six (6) months. For the purpose of this renewal eligibility determination, the following events shall not be counted as an Eligible Event:
The first glass-only event (i.e., an event involving only glass repair or replacement with no other concurrent damage) during the Member's current or most recent plan period; and
Any repair-only glass event (where the glass is repaired and not replaced).

Notwithstanding the foregoing, a former Member whose renewal was denied under the above provision may be eligible to reapply for membership in the GDC Program if the former Member provides satisfactory proof that no accident occurred within a period of two (2) years following receipt of the most recent Eligible Event. Below circumstance are not eligible to renew the GDC Program: 1. The Auto age exceeds 18 model years for domestic and European coupe/sedans or 23 model years for all other vehicles); or 2. There is evidence of fraud or suspicion of fraud as judged by the Administrator

Generic Terms of the Appendix¶

Effective Period of the Plan¶

The Effective Period of the Plan is 6 months, starting from the date selected by the Member when joining the Plan, unless terminated earlier according to the Terms and Conditions.

Qualifications for Applying for Authorized Loss Amount¶

In the event of an Eligible Event, Member and/or driver should take reasonable and necessary measures to mitigate against further damages resulting from the loss and notify the Administrator as soon as reasonably possible after the Eligible Event if the Member decided to file a Sharing Request under the GDC Program. Any additional damages caused by the failure of the Member and/or driver to protect the Planned Auto do not qualify for applying Authorized Loss Amount.
At the request of the Designated TPA and/or the Administrator, the Member will make the Planned Auto available for inspection.
In the event of a loss or vehicle theft, vandalism or fire, the Member shall report the incident to the local police immediately after the Member knows or should know the Eligible Event and notify the Administrator.
When reporting the Eligible Event, the Member should provide information and materials such as the time, location, nature, reason, degree of loss, any witness name and address and phone number.
The Member shall provide a valid liability insurance policy (the declaration page), loss item list, relevant incurred expenses, and the driver's license of the person who was driving at the time of the accident.
If a Member and/or driver choose to settle the traffic accident by reaching a mutual agreement with the counterparty, the Designated TPA/the Administrator will contact the Member to confirm auto damage/loss details.
In the event that the Planned Auto was stolen and not recovered, when the Member files for a Sharing Request, he/she shall provide a loss item list, relevant expense documentation, properly signed and executed vehicle title, and police report indicating the Planned Auto was stolen.
If the Designated TPA and/or the Administrator cannot confirm an event's eligibility due to the reasons attributable to Members, the event will be ineligible for Sharing by default.
If the Planned Auto requires parts to be replaced, the use of alternative parts (non-OEM) will be required when reasonably available. The exception will be the use of OEM parts for safety items such as SRS (Safety Restraint Systems) to include but not limited to airbags, clocksprings, seat belts, and tensioners. Alternative parts must first be acquired through the contracted national alternative parts supplier, then from other alternative parts suppliers if the contracted alternative parts supplier does not have the part in stock or cannot provide the part in a timely manner. Alternative parts must have certifications such as CAPA-certified, if the designation applies to the specific part.

No commitment¶

All activities undertaken by the Administrator and the Designated TPA, including but not limited to coordinating the handling of Eligible Events, investigating accidents, assessing losses, engaging in litigation, explaining and communicating about the event, requesting certificates and materials from the Member, and offering professional advice to the Member, do not represent any obligation or commitment on the part of the Administrator and/or the Designated TPA to make Sharing Contributions to Members.

Auto Transfer¶

During the Effective Period of the Plan, if the Planned Auto's title transfers to others, the Member shall notify the GDC within 72 hours, the Member's rights under the Plan are terminated immediately. If a Member withdraws from the Plan and wants to rejoin, then he/she shall initiate a new application.

Eligible Events¶

Events or incidents meeting the following criteria are eligible to apply for Sharing Contributions from the GDC Program. The Administrator reserves the right to request documentation to verify ownership status, including vehicle title, registration, financing records, or lease agreements.

The damage occurs to a Planned Auto or a Temporary Rental Auto
The incident occurs within the United States, eligibility extends to Canada for trips of up to 30 days. For the avoidance of doubt, eligibility for an Eligible Event occurring in Alaska or Hawaii does not modify or waive the membership eligibility restrictions set forth in Section III.5 of the Terms and Conditions.
The incident takes place during the Effective Period of the Plan and is reported to the Administrator within 365 days of its occurrence
The driver involved in the incident, if any, must be the Member, a Listed Driver or a Permissive Driver
The loss on the Planned Auto must result from an unintentional incident that leads to sudden, direct, and accidental damage, including:
Overturning or colliding with another car or object
Natural disasters such as hurricanes, hail, floods or wildfires
Theft, vandalism, or fire
Windshield damage
Authorized Transportation Assistance Amount incurred due to the loss of vehicle usage resulting from any of the above events. Receipts from nationally recognized rental companies, or receipts of Uber/Lyft must be provided to be eligible. For purposes of the GDC Program, the following rental providers are recognized by GDC as nationally recognized rental providers, including but not limited to: Enterprise Rent-A-Car, National Car Rental, Alamo Rent A Car, Hertz, Dollar Rent A Car, Thrifty Car Rental, Firefly Car Rental, Avis, Budget, Payless Car Rental, SIXT, Fox Rent A Car, ACE Rent A Car, Advantage Rent A Car, Rent-A-Wreck, U-Save Car & Truck Rental, Easirent, Green Motion, NextCar, Priceless Car Rental, NU Car Rentals, Turo, Getaround, and HyreCar. A rental provider not included in the above list may nevertheless be determined by the Administrator, in its sole and reasonable discretion, to qualify as a nationally recognized rental provider on a case-by-case basis.

Detailed Provisions¶

Exclusions and Conditions¶

Losses arising from any of the following scenarios will not qualify for Sharing Contributions from GDC Program:

Excluded damage and losses:
Existing damage: damage that exists before the occurrence of the incident
Loss of personal items such as cash, clothes, phones etc.
Loss of detachable items such as tape, wire, CD player, media devices, radar, laser detector etc.
Loss on Custom parts or Equipments
Non-accident related tire loss, such as flat tires or worn out tires
Any liability assumed under other contract or agreement
Normal wear and tear, decay or corrosion. Parts malfunction, quality defect, mechanical or electrical breakdown or failure
Losses caused by and limited to wear and tear, freezing, mechanical or electrical breakdown or failure, unless that loss results from an eligible theft incident
Trailers when used for business or commercial purposes with vehicles other than private passenger, farm or Utility Autos
Damage to a vehicle involved in, or in preparation for, any type of racing, speed contests, demolition events, stunting activities, driver training, or skill events
Without prior approval from the Administrator, damage and losses not inspected by the Administrator, or not repaired by the designated Auto Repair Body Shop pre-selected by the Administrator
Only specific parts or attachments of the vehicle are stolen or vandalized, rather than the entire vehicle, unless those items were permanently attached and considered part of the original equipment
The Depreciation resulting from market price fluctuations or repair
For a Planned Auto rendered non-drivable in Canada by an eligible event and towed or transported to the U.S., up to 150 miles or \$500 (USD), whichever comes first, is eligible for sharing; any excess amount is excluded.
Loss or damage resulting from:
War, military conflicts, terrorist acts, riots, Contamination (including radiation), nuclear reactions and exposures, or explosions, as well as any resulting fires, radiation, or Contamination
Biochemistry attack or exposure to biochemical substance
Any governmental, legal or other action to return an auto to its legal, equitable, or beneficial owner, or any claiming an ownership interest in the vehicle
Destruction, impoundment, confiscation, or seizure of the vehicle by government or civil authorities, due to its use in illegal activities
A third party which is liable to compensate the Member's loss or damage
The acquisition of a stolen auto
The operation of a Non-owned Auto or Temporary Substitute Auto that is designed for use principally off public roads and that is not registered for use on public roads
The Member, the Listed Driver or the Permissive Driver has any of the following behaviors or situations:
intentionally causes the incident, destroys or stages the accident scene, falsified evidence after the incident, or to obtain improper benefits through deceptive measures
Traffic Hit and Run after the incident
Drive under the influence of alcohol, drugs or controlled substances at the time of incident
Unlicensed, or has a driver's license that is suspended, revoked or canceled at the time of incident
Fails to notify the Administrator in a timely manner, making it difficult to determine the nature, cause, and extent of the damage
Intentionally provides false, invalid, incomplete or omits key information when enrolling in the GDC Program including addresses, annual mileage, Listed Drivers, Permissive Drivers, non-personal use etc.
The Planned Auto has any of the following conditions at the time of incident:
is withheld, seized or confiscated
is being repaired, maintained or refitted
is used for illegal activities due to the intention or gross negligence of the Member or the driver
is overloaded: the vehicle exceeds its maximum occupancy limit as specified by safety regulations or the manufacturer's guidelines
is used to carry persons or property for compensation or a fee, including, but not limited to, pickup or delivery of food or groceries. Unless clearly reported as a ride-sharing member at the time of joining
was sold, transferred, refitted, installed with new devices or changed the usage without notifying the Administrator
Vehicle registration is expired or canceled
fails to take necessary and reasonable preventive actions which caused further damage

Limit of Authorized Loss Amount¶

The Limit of Authorized Disbursement Amount will be the lesser of the:
Actual Cash Value of the Planned Auto at the moment of incident. Actual Cash Value shall be determined by the authorized third party based on market fair price, taking into consideration depreciation and physical condition; or
The amount necessary to repair or replace the damaged property to restore the Planned Auto to pre-loss condition. If a repair or part(s) replacement results in better than like kind and quality, Betterment may be applied to that amount.
The personal effects arising out of one occurrence is \$0 -- loss of personal property is not eligible for Sharing Contribution.
To a Trailer not owned by the Member is \$500.

Limit of Authorized Transportation Assistance Amount and Supplemental Transportation Assistance¶

Limit of Authorized Transportation Assistance Amount
The maximum limit for Authorized Transportation Assistance Amount shall be determined as follows:
If the Member-submitted Declarations Page includes coverage for "Rental," "Transportation Expense," or "Loss of Use," the Administrator shall use the corresponding limits specified in the Declarations Page as the Authorized Transportation Assistance Amount provided that there is no effective coverage provided by any third party at the point of requesting Authorized Transportation Assistance Amount. Otherwise, the Member shall first request reimbursement from a third party.
If the relevant coverages ("Rental," "Transportation Expense," or "Loss of Use") are not found on the Member-submitted Declarations Page, the Administrator shall apply the default maximum limits for Authorized Transportation Assistance Amount, which are \$40 per day for no more than 30 days, with a maximum cumulative amount of \$1,200.
For drivable Planned Auto, Transportation Assistance will be provided for the days starting from the day the Planned Auto is sent to the Auto Repair Body Shop for repairs until the day the Planned Auto is ready for pickup, not to exceed the maximum limit.
For non-drivable Planned Auto, Transportation Assistance will be provided for the days starting from the occurrence of the Eligible Event until the day the Planned Auto is ready for pickup, not to exceed the maximum limit.
Supplemental Transportation Assistance
Supplemental Transportation Assistance applies to Members who file a claim with the liable party's insurer and are awaiting the insurer's liability auto insurance decision. The eligible Member can file for Supplemental Transportation Assistance to GDC Program subject to below eligibility and terms and conditions.
The Member shall comply with all of the following conditions before he/she is eligible to apply for a Sharing Request arising from Supplemental Transportation Assistance.
Vehicle Undrivable: Member's Planned Auto is not safely or legally operable after the accident.
Third Party at Fault: Member filed a claim with the liable party's insurer within a reasonable time frame.
Instruction Compliance: Member shall furnish the necessary documentation and provide prompt support to the Administrator in addressing the Supplemental Transportation Assistance, such as providing all evidence necessary for proving the Planned Auto status, the liable insurer's decision and the rental expenses incurred, communicate with police and the liable insurer effectively and reporting the communication result back to the Administrator.
Insurer's Final Decision: Member provides a written decision letter from the third-party insurer about the handling of the accident.
Rental Within Valid Period: Rental occurred between the accident date and the date the third-party insurer provides the written decision letter.
Documentation Submitted: Includes the final decision letter, a rental receipt from a nationally recognized rental provider, vehicle condition details and other materials required by the Administrator.
The maximum sharing limits for Supplemental Transportation Assistance, which are \$40 per day for no more than 60 days, with a maximum cumulative amount of \$2,400. The rented vehicle must be like-kind to the Member's Planned Auto. If the rental expenses exceed the above limit, the Member shall be responsible for the exceeding amount by himself/herself.
The Member is not eligible to apply for Sharing Request and/or to obtain Supplemental Transportation Assistance under the following circumstances:
The Planned Auto is still drivable after the accident.
Any rental costs exceeding the per-day limit or maximum limit specified in subsection (c) of this Section III.3.(ii).
Additional rental fees such as additional liability insurance, fuel charges, and late fees.
Any costs associated with a rental class exceeding like-kind to the Planned Auto.
The third-party insurer has not issued a formal decision.
If Member has already obtained Transportation Assistance from the GDC Program or any third party for the same rental costs
Rental dates fall outside the period from the date of loss to the insurer's final decision date.
The member fails to follow Administrator's instructions as mentioned in Subsection C of this Section III.3. (ii).(b)

Limit of GAP Deficiency Assistance¶

GAP Deficiency means the outstanding loan or lease deficiency balance remaining after application of the total loss payout.

A Member may be eligible to apply for GAP Deficiency Assistance arising from a Total Loss Event involving a financed Planned Auto, subject to the terms and conditions set forth herein.
The Planned Auto must have been covered by a valid GAP waiver or GAP insurance policy at the time of the Eligible Event;
The Member must first submit a claim to the applicable GAP provider;
The GAP provider must have denied the claim solely because the Member participated in the Good Driver Club Program instead of maintaining traditional auto physical damage insurance coverage;
The Member shall provide written documentation from the GAP provider clearly stating the reason for denial.
The Administrator reserves the right to request all financing documents, payoff statements, GAP denial letters, and any additional documentation reasonably necessary to evaluate eligibility for GAP Deficiency Assistance.
The determination of eligibility and the amount of any GAP Deficiency Assistance shall be made solely by the Administrator.
GAP Deficiency Assistance shall be limited solely to the outstanding loan or lease deficiency amount that would otherwise have been payable by the GAP provider absent the denial described above.

Handling of Eligible Event¶

After occurrence of the Eligible Event, the Administrator shall provide the service as specified in these Terms and Conditions. The Administrator, acting as the representative of the Members, introduces the Service Providers to manage incidents. Certain Service Providers have direct contractual relationships with the Members concerning Authorized Sharing Amount receipt and payment, towing and recovery, and etc. The Administrator is only responsible for entering framework agreements with Service Providers but will not take any obligations and liabilities towards the services and the services shall be directly provided by the Service Providers to Members. The Service Providers include but are not limited to the Auto Repair Body Shop, towing and recovery company, and the Payment Processor.
The damaged Planned Auto suffered Eligible Event shall be repaired by taking best efforts. Members shall apply for Authorized Loss Amount before repair. For those Members who repaired the Planned Auto before applying for the Authorized Loss Amount, Members are entitled to reject the Authorized Loss Amount.
The salvage of the Planned Auto shall be recycled by the Service Provider. Members shall support the Service Provider accordingly, including without limitation to salvage parts recycle, salvaged auto auction and demolition.
The loss of the Planned Auto shall be calculated as below:
Total Loss Authorized Loss Amount of the Total Loss Event = Limit of Authorized Loss Amount less any compensation amount obtained from third party and less the Out-of-Pocket Expenses and plus Authorized Transportation Assistance Amount (if any). The Authorized Loss Amount of the Total Loss Event will be disbursed to the Member who suffered Eligible Event in the event that the Member is also the titled owner. However, if the registered Member is not the titled owner, the Authorized Sharing Amount will be disbursed to the titled owner of the Planned Auto, rather than the registered Member unless the titled owner has authorized the Member or an Authorized Representative to receive the disbursement. For a financed Planned Auto subject to a lien or security interest, the Administrator may issue any applicable disbursement jointly to the Member and the lienholder, or directly to the lienholder, as determined by the Administrator. For the Planned Auto under the Total Loss Event, Members should work with Service Providers to dispose of the salvage. The auction amount or the discounted portion, after deducting advance charges and administrative fees, belong to the Administrator and the Administrator shall contribute the amount to the Designated Account to offset the Authorized Sharing Amount of a Sharing Cycle. For the Total Loss Event arising out of an auto theft, if the Planned Auto is recovered at a later date, the Administrator shall subject the Planned Auto to auction. The funds thus obtained shall be contributed to the Designated Account to offset the Authorized Sharing Amount of a Sharing Cycle.
Partial Loss The partial loss of the Planned Auto and the relevant Authorized Loss Amount shall be determined by the Administrator and paid within the Limit of Authorized Loss Amount. Authorized Loss Amount of the partial loss = Actual loss amount less any compensation amount obtained from third party and less the Out-of-Pocket Expenses and plus Authorized Transportation Assistance Amount (if any). The Authorized Loss Amount of the partial loss will be paid to the Auto Repair Body Shop. Auto Repair Body Shop name list shall be provided on GDC App.
Towing and Recovery fees If the recovered property contains any property out of the scope of the Plan, the Member shall apply for Sharing Contribution according to the ratio of the property within the eligibility of the Plan to the total recovered property. The towing and recovery fee below the Limit of the Authorized Loss Amount will be paid to the Service Provider according to the procedure described in this Good Driver GDC Program.

Good Driver Club Program Terms and Conditions¶

Good Driver Club Program Terms and Conditions¶

Introduction of Good Driver Club Program¶

Definitions¶

GDC Program Participation¶

Plan¶

Sharing Request, Authorized Sharing Amount and Auto Repair Procedures¶

Expiration, Withdraw and Renew¶

Rights and Obligations of the Members¶

The Service Scope and the Service Fee of the Administrator, Designated TPA and Other Service Providers¶

Rights and Obligations of Administrator, Designated TPA and Other Service Providers¶

Fund Management¶

Dissolution¶

Dispute Resolution and Arbitration Agreement¶

Governing Law and Jurisdiction¶

Composition of the Terms and Conditions, Amendment, and Effectiveness¶

Good Driver Club Program Appendix to the Terms and Conditions¶

General Rules of Good Driver Club Program Appendix¶

Introduction¶

Qualifications of a Planned Auto and the Listed Drivers¶

Generic Terms of the Appendix¶

Effective Period of the Plan¶

Qualifications for Applying for Authorized Loss Amount¶

No commitment¶

Auto Transfer¶

Eligible Events¶

Detailed Provisions¶

Exclusions and Conditions¶

Limit of Authorized Loss Amount¶

Limit of Authorized Transportation Assistance Amount and Supplemental Transportation Assistance¶

Limit of GAP Deficiency Assistance¶

Handling of Eligible Event¶