You dont have to provide detailed specifics of your business use case, usually just a sentence is fine.
But 90.35 does not allow for individuals to be licensed for personal communications. My guess is that if a ham club is offering this to members, it is doing so as an educational institution, or a public safety organization. If the license is granted that way, using it for personal communications would be impermissible.
I doubt that there are requirements on the number of members of a ham club, you could probably have a 1- or 2-member "club" for the adults in your household, right?
Could you get the FCC to grant you a license you if you say you have a 2 person organization in your house? Maybe, I'd even say its likely if you spent a few minutes to get an EIN before getting your FRN.
Does that make it legal to use a commercial license for personal use? No.
But 90.35 does not allow for individuals to be licensed for personal communications. My guess is that if a ham club is offering this to members, it is doing so as an educational institution, or a public safety organization. If the license is granted that way, using it for personal communications would be impermissible.