Terms of Use v2.1

Load Connex Terms of Use

Effective date: 29 May, 2026

These Load Connex Terms of Use, together with any terms, policies, agreements, authorizations, disclosures, applications, onboarding materials, cardholder terms, program terms, API terms, order forms, exhibits, addenda, notices, or supplemental terms that reference or incorporate them, are referred to as these "Terms." These Terms govern access to and use of the websites, web portals, dashboards, mobile applications, application programming interfaces ("APIs"), integrations, software, white-labeled programs, partner programs, fuel card programs, payment services, rebate services, credit-related services, underwriting services, telematics and location-tracking integrations, banking and financial integrations, dispatch, load-management, document-management, load-tracking, vehicle-tracking, notification, fleet-management, analytics, communications, support, and related products, software, applications, workflows, tools, functionality, and services made available by Load Connex LLC, a Delaware limited liability company, with its principal place of business at 2940 N. Hollywood Way, Burbank, California 91505 ("LX," "Load Connex," "we," "us," or "our"). The foregoing are referred to collectively as the "Services."

These Terms apply to carriers, drivers, brokers, dispatchers, fleet managers, business owners, guarantors, factoring companies, salespeople, vendors, website visitors, mobile application users, API users, prospective applicants, leads, and any employees, contractors, agents, representatives, authorized users, administrators, invitees, or other individuals or entities accessing or using the Services.

Table of Contents

1. Introduction; Acceptance; Business Use

1.1. Acceptance of These Terms

By accessing or using any Service, creating an account, clicking an acceptance box, signing or submitting an application or onboarding form, using a card or credential, connecting an integration, authorizing a bank account or telematics connection, accessing an API, using the LX Driver App, participating in a white-labeled or partner program, or continuing to use the Services after these Terms are posted or updated, you agree to be bound by these Terms.

If you do not agree to these Terms, do not access or use the Services.

1.2. Authority to Bind an Entity

If you access or use the Services on behalf of a company, carrier, factoring company, broker, fleet, transportation business, or other entity, you represent and warrant that you have authority to bind that entity and its authorized users to these Terms. In that case, "you" and "your" refer to both you individually and the entity on whose behalf you act.

1.3. Business and Commercial Use Only

The Services are intended solely for business and commercial use. The Services are not intended for personal, family, household, or consumer use. You represent and warrant that you are accessing and using the Services for business or commercial purposes only and, where applicable, on behalf of a business or commercial entity.

1.4. Age Requirement

The Services are not intended for individuals under eighteen (18) years of age. You may not access or use the Services if you are under eighteen (18), and you may not permit any person under eighteen (18) to access or use the Services.

1.5. Individual Information and Consumer Reports

Although the Services are intended for business and commercial use, LX may collect, request, obtain, use, verify, process, analyze, and retain information about individuals associated with a business or commercial relationship, including owners, officers, principals, members, managers, guarantors, applicants, authorized representatives, drivers, dispatchers, fleet managers, salespeople, employees, contractors, agents, account administrators, and authorized users.

Where permitted by law and supported by an applicable permissible purpose, authorization, certification, application, guaranty, account relationship, or other lawful basis, LX may obtain and use consumer reports, consumer credit information, identity-verification information, fraud-prevention information, background or public-record information, sanctions-screening information, and similar information about individuals for purposes that may include application review, underwriting, re-underwriting, account monitoring, servicing, fraud prevention, compliance, collections, dispute resolution, enforcement, and evaluation of guaranties.

Nothing in these Terms is intended to waive or limit any rights, notices, authorizations, adverse-action procedures, dispute rights, or other requirements that may apply under the Fair Credit Reporting Act, similar state laws, or other applicable non-waivable law.

1.6. Electronic Records, Signatures, and Consent

To the maximum extent permitted by law, you consent to the use of electronic records, electronic signatures, electronic disclosures, electronic notices, click-through acceptances, checkbox acceptances, portal acknowledgments, mobile acknowledgments, API-based acceptances, and similar electronic methods in connection with the Services and any agreement, authorization, disclosure, notice, communication, or transaction involving LX. You agree that such electronic methods constitute valid execution, acceptance, consent, authorization, delivery, and receipt for all purposes and satisfy any requirement that a document, notice, authorization, consent, record, or signature be in writing or signed.

You consent to receive agreements, disclosures, notices, invoices, statements, account communications, amendments, updates, and other communications electronically, including by email, portal, dashboard, mobile application, SMS/text message, push notification, website posting, or other electronic method made available by LX.

You represent that you have the ability to access, retain, download, print, and reproduce electronic records and communications. You are responsible for maintaining current contact information and for promptly notifying LX of any changes.

You agree that LX may use authentication credentials, account activity, clickstream records, timestamps, IP addresses, device identifiers, security procedures, audit logs, email records, SMS records, portal records, mobile-application records, API records, and other evidence to establish attribution, acceptance, authorization, consent, delivery, and receipt of electronic records and signatures.

2. Relationship to Other Agreements

2.1. Supplemental Terms

These Terms apply in addition to, and do not replace, any other agreement, policy, authorization, disclosure, application, onboarding material, cardholder term, program term, API term, order form, addendum, exhibit, guaranty, payment authorization, data authorization, integration authorization, white-label program term, or other written or electronic agreement between you and LX or applicable to your use of the Services.

These Terms are intended to supplement the Load Connex Privacy Policy, any applicable carrier agreement, factor agreement, fuel card agreement, cardholder agreement, credit agreement, guaranty, payment authorization, telematics authorization, API agreement, platform disclosure, onboarding material, partner-program agreement, white-label program term, and any other applicable LX agreement or policy.

2.2. Order of Precedence

If there is a conflict between these Terms and another applicable agreement or policy, the documents will be read together to the fullest extent possible. If the conflict cannot be reconciled, the more specific agreement or policy will control only with respect to the specific subject matter of the conflict. These Terms will continue to apply in all other respects.

Without limiting the foregoing:

  • the Privacy Policy governs LX's disclosures regarding collection, use, disclosure, retention, international transfer, privacy rights, and related privacy practices;
  • any applicable carrier agreement governs carrier-specific fuel card, credit, rebate, payment, guaranty, security interest, ACH, telematics, data-access, and related program terms;
  • any applicable factor agreement governs factor-specific white-label, carrier-distribution, fuel card, credit, rebate, payment, guaranty, ACH, ConnexFuel, and related program terms;
  • any applicable cardholder, bank, processor, network, payment, or fuel-network terms govern the specific card, payment, banking, network, or fuel-related subject matter they address;
  • any applicable API terms, developer terms, integration terms, order form, or program-specific terms govern the specific API, integration, subscription, workflow, or program to which they apply; and
  • LX may enforce any available right, remedy, limitation, disclaimer, authorization, permission, or protection under any applicable agreement, policy, authorization, or disclosure to the maximum extent permitted by law.

2.3. No Reduction of LX Rights

No separate agreement, program term, policy, authorization, or disclosure limits LX's rights or protections under these Terms unless it expressly states that it amends these Terms and is signed or otherwise expressly approved by LX.

3. Services; Platform Changes; No Guaranteed Access

3.1. Services Covered

LX provides technology-enabled services for carriers, factoring companies, brokers, fleets, transportation businesses, and related commercial users. The Services may include websites, portals, dashboards, mobile applications, APIs, integrations, white-labeled and partner programs, fuel card programs, payment services, rebate services, credit and underwriting services, fleet-management and load-tracking functionality, telematics, ELD, ECM, GPS, location, banking and financial integrations, analytics, AI, OCR, automation, communications, support, and related products, software, workflows, tools, and services.

3.2. Platform Changes

LX may add, modify, suspend, restrict, replace, discontinue, or remove any Service, feature, integration, API, workflow, portal, application, credential, payment method, rebate, discount, pricing benefit, credit feature, underwriting criterion, eligibility requirement, account setting, transaction control, or program at any time, with or without notice, subject to applicable law and any separate written agreement that expressly limits LX's discretion.

3.3. Discretionary Access

Access to the Services is discretionary. LX may approve, deny, suspend, restrict, condition, modify, or terminate access to any Service at any time, with or without notice, to the maximum extent permitted by law.

No user is entitled to any account, approval, fuel card, card credential, transaction approval, rebate, discount, pricing benefit, payment service, credit limit, underwriting approval, integration, API access, load-tracking feature, fleet-management feature, partner program, white-labeled service, or other Service.

3.4. No Guaranteed Savings, Pricing, or Availability

Any rebate, discount, savings amount, pricing benefit, net price, advisory display, route estimate, transaction estimate, load estimate, payment estimate, or other economic information displayed or communicated through the Services is provided for convenience only unless LX expressly states otherwise in a signed writing. Such information is not a quote, guarantee, binding offer, or promise of savings, approval, payment, funding, rebate, discount, transaction success, or availability.

Final transaction amounts, rebates, discounts, net pricing, charges, fees, credits, payments, balances, and adjustments are determined by LX's records, applicable network records, merchant data, processor data, bank data, payment-provider data, fuel-network data, and other relevant provider records, subject to applicable law and any separate written agreement.

Fuel-related pricing, rebate, discount, merchant, and transaction displays are also subject to Section 6, including the provisions regarding advisory displays and final transaction prices.

4. Accounts; Authority; Administrators; Security

4.1. Account Registration and Onboarding

You may be required to create an account, complete onboarding, submit an application, provide business information, identify owners or principals, invite users, connect integrations, authorize data access, provide payment information, provide documentation, or complete additional steps before using some or all Services.

4.2. Information Accuracy

You represent and warrant that:

  • all information you provide to LX is accurate, complete, current, authorized, and not misleading;
  • you will promptly update LX regarding any material change to such information, including changes in ownership, control, address, business status, authority, licensing, insurance, banking, payment methods, factoring relationships, telematics access, connected systems, financial condition, litigation, insolvency risk, operational status, or risk profile;
  • you have all rights, permissions, consents, notices, and authorizations necessary to provide information to LX, authorize processing, connect integrations, invite users, submit documents, share data, and use the Services;
  • any person who creates an account, connects an integration, provides payment information, authorizes a bank account, submits a document, requests access, invites a user, or uses an API on your behalf is authorized to do so;
  • your access to and use of the Services will comply with applicable law, these Terms, and all other applicable agreements and policies; and
  • you will not misrepresent your identity, authority, affiliation, business status, relationship with a carrier, factor, broker, driver, customer, vendor, partner, or other person or entity.

4.3. LX Reliance on Information

LX may rely on information provided by you, your administrators, your authorized users, your counterparties, your service providers, public records, government sources, banks, Connectivity Providers, credit bureaus, consumer reporting agencies where lawfully authorized, fraud databases, factoring companies, brokers, ELD providers, telematics providers, payment providers, fuel networks, card networks, merchants, and other third-party providers.

LX is not responsible for losses, delays, declines, suspension, account action, underwriting outcomes, pricing outcomes, payment outcomes, transaction outcomes, or other consequences arising from inaccurate, incomplete, delayed, unavailable, unauthorized, or misleading information supplied by you or any third party, except to the extent required by applicable non-waivable law.

4.4. Account Administrators and Authorized Users

A business account may have owners, administrators, managers, authorized users, drivers, dispatchers, fleet managers, salespeople, employees, contractors, agents, representatives, API users, invited users, and other roles. LX may allow account owners or administrators to invite, remove, restrict, approve, monitor, suspend, configure, or manage users, permissions, credentials, integrations, data access, workflows, cards, transactions, vehicles, loads, documents, notifications, and other account activity.

You are responsible for all activity under your account and for all activity by your administrators, authorized users, invited users, drivers, dispatchers, employees, contractors, agents, representatives, and any other person or system that accesses the Services through your account, credentials, API keys, integrations, cards, devices, or permissions.

4.5. Business Account Visibility

To the maximum extent permitted by law, you acknowledge and agree that account owners and administrators may access, view, use, disclose, export, monitor, restrict, modify, or delete account information and activity, including information relating to users, vehicles, loads, routes, fuel activity, card activity, payments, documents, messages, notifications, telematics, location, APIs, connected accounts, and account settings.

Users who access the Services through a business account should not expect the same degree of privacy or control that they might expect in a personal account.

4.6. Internal Disputes

LX may rely on the instructions, approvals, authorizations, configurations, data submissions, account changes, integration connections, payment instructions, user invitations, or other actions of any person who appears to LX to be an owner, administrator, authorized representative, authorized user, or agent of an account or business.

LX has no obligation to investigate internal disputes regarding authority, ownership, control, employment, contractor status, driver status, dispatch status, administrator rights, or account access.

LX is not responsible for disputes among business owners, partners, members, shareholders, officers, employees, contractors, drivers, dispatchers, fleet managers, administrators, factoring companies, brokers, carriers, vendors, customers, or other parties regarding account access, account control, data visibility, payment responsibility, permissions, or use of the Services. LX may, but is not required to, suspend, restrict, preserve, transfer, or deny access to an account while such disputes are pending.

4.7. Account Security

You are responsible for maintaining the confidentiality and security of all usernames, passwords, devices, cards, card numbers, virtual credentials, account numbers, API keys, tokens, authentication methods, payment methods, connected accounts, and other credentials or access methods.

You must promptly notify LX if any card, credential, device, login, API key, token, integration, account information, payment access, or connected account is lost, stolen, compromised, misdirected, misused, or subject to actual or suspected unauthorized access or use.

Until LX receives notice and has a reasonable opportunity to act, you remain responsible, to the maximum extent permitted by law and any applicable agreement, for all activity, usage, charges, transactions, fees, losses, claims, and obligations arising from or relating to any card, credential, account, API key, integration, device, or access method assigned to or used by you or your authorized users, including unauthorized use.

LX may freeze, suspend, restrict, revoke, rotate, disable, or reset cards, accounts, credentials, API keys, tokens, integrations, payment methods, rebates, credits, transactions, or access at any time, with or without notice, upon any fraud concern, security event, suspicious activity, compliance issue, data-access issue, legal concern, provider issue, unauthorized-use concern, or other risk event.

You must maintain commercially reasonable administrative, technical, physical, and organizational safeguards to protect your access to the Services, accounts, systems, users, devices, integrations, payment methods, and data. You are responsible for ensuring that your authorized users comply with these Terms and all applicable security requirements.

5. Financial Features; Credit; Underwriting; Payments

5.1. Financial Features Generally

If LX makes credit-related services, underwriting services, fuel cards, payment services, payment facilitation, rebates, discounts, transaction functionality, account balances, funding features, remittance features, or related financial features available to you, those Services may be subject to separate agreements, authorizations, bank terms, processor terms, network rules, cardholder terms, payment authorizations, fuel-network terms, account terms, and program-specific terms.

5.2. Credit and Payment Terms

Any credit limit is discretionary, may be zero, and may be changed, reduced, suspended, frozen, revoked, or terminated by LX at any time, with or without notice, to the maximum extent permitted by law.

LX may change payment terms, require accelerated billing, shorten billing cycles, require prepayment, require a reserve or deposit, require additional collateral, require a guaranty, add or remove payment methods, impose transaction controls, or impose other risk controls upon notice or immediately without notice if LX determines there is increased credit, fraud, compliance, operational, servicing, collection, legal, or other risk.

5.3. Underwriting, Re-Underwriting, and Monitoring

LX may evaluate, underwrite, re-underwrite, monitor, review, approve, deny, suspend, restrict, reduce, increase, terminate, or otherwise manage accounts, applications, users, transactions, credit limits, payment terms, fuel-card access, rebate access, payment services, integrations, and related Services at any time, before or after approval, in LX's discretion and subject to applicable law.

LX may obtain, review, verify, analyze, and use information from you, your business, associated individuals, connected accounts, integrations, counterparties, public and government sources, credit and fraud sources, consumer reporting agencies where lawfully authorized, banks, Connectivity Providers, ELD and telematics providers, factoring companies, brokers, merchants, networks, vendors, and other lawful sources. Such information may include business, ownership, guarantor, banking, payment, transaction, cash-flow, fuel, telematics, ELD, ECM, GPS/location, load, routing, factoring, broker, licensing, insurance, FMCSA, credit, fraud, sanctions, identity-verification, communications, device, portal, app, API, and related information for underwriting, re-underwriting, servicing, monitoring, fraud prevention, risk management, compliance, collections, dispute resolution, enforcement, analytics, and related business purposes.

5.4. Verification, KYB, KYC, and Compliance Cooperation

You agree to cooperate with LX's identity-verification, business-verification, beneficial-ownership, fraud-prevention, sanctions-screening, underwriting, compliance, security, payment-risk, and account-review processes.

LX may require you, your business, your owners, principals, officers, managers, members, beneficial owners, guarantors, administrators, authorized representatives, drivers, dispatchers, employees, contractors, and other associated persons to provide information, documents, certifications, confirmations, authorizations, tax forms, ownership information, control information, government-issued identification, business records, banking information, insurance information, licensing information, carrier authority information, proof of address, proof of authority, or other materials reasonably requested by LX.

LX may deny, suspend, restrict, freeze, reduce, terminate, or condition access to any Service, account, card, credential, credit feature, payment feature, rebate, integration, API, or transaction if requested information is not provided, cannot be verified, appears inaccurate or misleading, becomes outdated, raises legal or compliance concerns, or otherwise fails to satisfy LX's underwriting, compliance, fraud-prevention, security, or risk requirements.

You authorize LX to verify information directly or through banks, Connectivity Providers, payment providers, networks, merchants, factoring companies, brokers, public or government databases, commercial databases, identity-verification providers, fraud-prevention providers, credit bureaus, consumer reporting agencies where lawfully authorized, and other lawful sources.

5.5. Automated Systems and Adverse Action

LX may use automated systems, manual review, third-party providers, artificial intelligence, machine learning, predictive analytics, fraud-detection systems, document-processing systems, OCR, underwriting models, transaction-monitoring tools, and other technologies to assist with underwriting, re-underwriting, account review, fraud prevention, compliance, account servicing, operational decisions, payment decisions, transaction review, and other Service functions.

No automated system, underwriting model, fraud score, risk score, telematics analysis, account review, eligibility indication, prequalification, estimate, or communication guarantees approval, continued access, transaction success, funding, credit, rebates, pricing, or any particular outcome.

Where required by applicable law, LX may provide adverse-action notices, credit-related notices, dispute notices, privacy notices, or other legally required notices. Nothing in these Terms limits any non-waivable rights you may have under applicable law.

5.6. Payment Obligations

You are responsible for all amounts, fees, charges, transactions, losses, credits extended, purchases, payment obligations, reimbursement obligations, returned payments, chargebacks, reversals, negative balances, adjustments, expenses, collection costs, and other liabilities arising from or relating to your access to or use of the Services, except to the extent a separate signed agreement with LX expressly provides otherwise.

5.7. Setoff, Holds, Reversals, and Recoupment

To the maximum extent permitted by law and any applicable agreement, LX may hold, freeze, restrict, offset, withhold, reverse, debit, credit, recoup, net, apply, or otherwise use any rebate, credit, refund, reserve, balance, payment, settlement, remittance, proceeds, deposit, account balance, or other amount held by or payable through LX against any present or future obligation, liability, risk exposure, suspected fraud, chargeback, returned payment, duplicate payment, erroneous credit, unpaid fee, disputed transaction, negative balance, indemnity obligation, collection amount, or other amount owed or potentially owed to LX or its protected parties.

LX may require immediate payment, initiate debits under an applicable payment authorization, require prepayment, require reserves, require deposits, require collateral, require guaranties, reduce or revoke credit, suspend Services, restrict transactions, or take other risk-control measures if LX determines that payment, performance, fraud, compliance, legal, operational, security, or collection risk has increased.

5.8. Third-Party Payment Arrangements

Any arrangement involving a factoring company, broker, payment processor, digital wallet, bank, funding source, receivables platform, or other third-party provider that debits, withholds, processes, advances, routes, or remits amounts intended to pay LX is for convenience only and does not release, discharge, novate, or reduce your direct obligations to LX unless LX expressly agrees in a signed writing.

If any third-party provider deducts, withholds, processes, or agrees to remit funds for the stated purpose of paying LX but fails to remit such amounts to LX in full and on time, you remain fully liable to LX for unpaid amounts.

5.9. Billing Disputes and Transaction Review

You must promptly review all invoices, statements, posted transactions, credits, rebates, account communications, alerts, payment notices, and other account information.

Unless a longer period is required by non-waivable law or a separate written agreement, any billing dispute, transaction error claim, rebate dispute, fee dispute, payment dispute, or objection must be submitted to LX in writing within ten (10) calendar days after the later of the applicable invoice date, transaction posting date, payment posting date, rebate posting date, or account communication.

If you do not timely dispute a charge, transaction, fee, credit, rebate, payment, or account item, it will be deemed accepted, final, and binding to the maximum extent permitted by law.

LX may require supporting documents, receipts, statements, reports, transaction records, provider records, system logs, account records, or other evidence before considering any claim. LX will review disputes in good faith and retains discretion to determine whether to accept, reject, adjust, or resolve any dispute, subject to applicable non-waivable law and any applicable network or provider rules.

5.10. Taxes, Fees, and Pass-Through Charges

You are responsible for all taxes, assessments, duties, levies, governmental charges, network fees, processor fees, bank fees, merchant fees, card fees, fuel-network fees, payment-provider fees, chargeback fees, returned-payment fees, wire fees, ACH fees, administrative fees, late fees, collection costs, and other charges arising from or relating to your access to or use of the Services, except to the extent LX expressly agrees otherwise in a signed writing or such charges are prohibited by applicable law.

LX may charge, pass through, withhold, collect, offset, debit, or invoice such amounts in accordance with these Terms, any applicable agreement, applicable network rules, provider requirements, payment authorizations, and applicable law.

You are responsible for determining and satisfying your own tax, reporting, accounting, and recordkeeping obligations relating to the Services. LX does not provide tax, accounting, or legal advice.

5.11. LX Records and Systems Control

To the maximum extent permitted by law, LX's records, systems, logs, transaction data, account data, payment data, card data, rebate data, credit data, underwriting data, integration data, API data, portal data, mobile-application data, and related business records will control in the event of any discrepancy regarding access to the Services, account status, account activity, transactions, balances, charges, fees, credits, rebates, discounts, payments, offsets, holds, reversals, adjustments, program participation, credit status, user activity, integration activity, API activity, or other Service-related matters.

LX may rely on records and data received from or generated by LX systems, banks, Connectivity Providers, payment providers, processors, networks, merchants, telematics or ELD providers, factoring companies, brokers, public or government sources, vendors, and other third-party providers.

Nothing in this section limits any non-waivable dispute, correction, billing-error, credit-reporting, adverse-action, privacy, or other rights that may apply under applicable law.

6. Cards; Fuel; Rebates; Pricing Displays

6.1. Cards and Credentials

If LX makes fuel cards, card credentials, virtual cards, account numbers, payment services, rebate services, transaction functionality, or related features available to you, such Services may be subject to separate agreements, cardholder terms, network rules, bank terms, processor terms, merchant terms, payment authorizations, fuel-network terms, account terms, and program-specific terms.

Cards and account credentials may be used only for lawful business purposes and only by persons authorized by the applicable account owner or business.

6.2. Transaction Controls

LX may establish, modify, block, restrict, or remove card controls, merchant categories, transaction sizes, daily usage, product types, fuel types, non-fuel purchases, geographic access, permitted merchants, transaction windows, transaction types, payment methods, or related settings at any time in its discretion.

6.3. Fuel Pricing, Merchant Data, Advisory Displays, and Final Transaction Price

Fuel merchants, truck stops, fuel networks, card networks, payment processors, upstream pricing providers, and other third parties may change prices, fees, product availability, network participation, authorization data, settlement data, or transaction records at any time, including intraday.

Any retail price, discount, net price, rebate, savings amount, route-based price, merchant price, estimated price, merchant availability, transaction information, or similar pricing or transaction information displayed, transmitted, calculated, or communicated by LX before, during, or after a transaction is advisory only and provided for convenience. Such information is not a quote, guarantee, binding offer, representation that a price or merchant is currently available, or promise that a particular transaction price, rebate, discount, savings amount, merchant, or transaction type will apply.

LX, its card-network partners, fuel-network partners, payment providers, merchants, or upstream pricing providers may receive or transmit pricing, merchant, authorization, settlement, or transaction information on a delayed, periodic, incomplete, estimated, or daily basis. As a result, displayed prices, discounts, net prices, rebate estimates, savings estimates, merchant availability, transaction information, and other advisory information may differ from final authorized, posted, transmitted, settled, charged, credited, adjusted, or recorded transaction amounts.

The controlling transaction amount is the amount actually authorized, posted, transmitted, settled, charged, debited, credited, adjusted, or otherwise reflected through the applicable merchant, fuel network, card network, payment processor, bank, provider, and LX records. Any discount, rebate, savings amount, net pricing, fee, adjustment, or credit applicable to a transaction is as ultimately reflected in LX's posted transaction records, subject to applicable law and any separate written agreement.

Final prices may be higher or lower than advisory, estimated, displayed, or previously communicated prices. A difference between an advisory, estimated, displayed, or previously communicated price and the final posted transaction price, by itself, does not constitute an error, breach, misrepresentation, or valid billing dispute if the final posted amount reflects the merchant transaction, network settlement data, provider records, or LX records relied on by LX.

6.4. Adjustments

LX may debit, credit, correct, reverse, adjust, hold, freeze, offset, net, recoup, or apply amounts in accordance with these Terms, any applicable agreement, any payment authorization, applicable network rules, applicable provider terms, and applicable law.

7. White-Labeled Programs; Partners; Third-Party Providers

7.1. White-Labeled and Partner Programs

LX may provide some or all Services directly or indirectly through factoring companies, brokers, financial institutions, sales organizations, transportation or commercial counterparties, program sponsors, referral partners, embedded workflows, API integrations, white-labeled programs, co-branded programs, partner portals, or other commercial arrangements.

These Terms apply to LX-powered Services regardless of whether they are branded, presented, marketed, referred, distributed, supported, or accessed under the name, logo, trade name, domain, portal, application, workflow, or branding of LX or any third party.

7.2. Independent Parties

Unless LX expressly states otherwise in a signed writing, any partner, factor, broker, program sponsor, sales organization, reseller, referral source, white-label provider, commercial counterparty, or other third party is an independent party and is not LX's agent, partner, joint venturer, fiduciary, employee, representative, broker, carrier, lender, guarantor, insurer, or authorized spokesperson.

7.3. Partner Statements and Conduct

LX is not responsible for any statement, promise, representation, omission, pricing claim, rebate estimate, savings estimate, eligibility statement, underwriting assurance, approval statement, payment-timing statement, onboarding error, marketing claim, support statement, configuration error, integration error, documentation error, legal error, compliance error, operational error, or other act or omission of any third party, including any white-label partner, factor, broker, program sponsor, referral partner, sales organization, reseller, carrier, shipper, vendor, or commercial counterparty.

No third party may bind LX, modify these Terms, waive LX's rights, guarantee approval, guarantee credit, guarantee rebates, guarantee pricing, guarantee access, guarantee savings, guarantee payments, or make commitments on LX's behalf unless expressly authorized in a signed writing by LX.

Partner-specific or third-party terms may also apply to your relationship with the applicable partner or third party. Such terms do not reduce or limit LX's rights, protections, disclaimers, limitations, or remedies unless LX expressly agrees in a signed writing.

7.4. Third-Party Providers and Connected Services

The Services may integrate with or interact with banks, Connectivity Providers, ELD providers, telematics providers, payment providers, fuel networks, card networks, digital-wallet providers, analytics providers, communications providers, software providers, factoring companies, factoring software, transportation-management systems, government-data providers, public-record sources, cloud providers, identity-verification providers, fraud vendors, underwriting providers, and other third-party providers.

Third-party providers may independently collect, process, analyze, store, transmit, disclose, transfer, retain, restrict, modify, or otherwise use information. LX does not control and is not responsible for the terms, privacy practices, security practices, operational practices, data-handling practices, retention practices, availability, accuracy, pricing, fees, decisions, outages, errors, omissions, delays, API changes, provider-side limitations, or acts or omissions of third-party providers.

7.5. User-Authorized Integrations

You may authorize integrations directly, through redirects, OAuth flows, API authorizations, provider pop-ups, credentials, connected accounts, embedded workflows, partner workflows, or other authorization methods. You represent and warrant that you have authority to connect each integration, grant permissions, provide credentials, authorize access, and share information through each connected service.

The scope, availability, accuracy, frequency, retention, or categories of information provided through integrations may depend on permissions granted, provider settings, provider APIs, provider capabilities, products enabled, user configurations, provider policies, provider outages, technical limitations, and other operational or technical factors. Provider APIs, integrations, permissions, products, data fields, or services may change, become unavailable, be restricted, be modified, be interrupted, or be discontinued at any time without notice.

LX may suspend, reduce, modify, or terminate Services, credit, payment functionality, underwriting, rebates, account features, or integrations if a required integration is disconnected, revoked, expires, fails, degrades, becomes unavailable, stops providing sufficient data, or no longer meets LX's operational, underwriting, security, compliance, or risk requirements.

You should review the terms, privacy policies, and data practices of third-party providers before authorizing or connecting such providers. If you have questions regarding information collected, disclosed, shared, processed, or retained by a third-party provider, you should contact the applicable provider directly.

8. APIs; Integrations; Developer Restrictions

8.1. API Access

LX may provide APIs, API keys, tokens, credentials, developer tools, documentation, sandbox environments, webhooks, integrations, or other system interfaces in its discretion. API access is a privilege, not a right, and may be modified, suspended, restricted, revoked, or terminated at any time, with or without notice.

You may use LX APIs only for lawful internal business purposes, only as authorized by LX, and only in accordance with these Terms, applicable documentation, security requirements, technical requirements, integration terms, and any separate API or developer agreement.

8.2. API Restrictions

You must not:

  • use any API for competitive benchmarking, competitive analysis, product development, model training, scraping, data harvesting, market intelligence, resale, service-bureau use, or any purpose competitive with LX;
  • sell, sublicense, rent, lease, publish, disclose, transfer, distribute, provide, or make available API access, API data, credentials, tokens, documentation, or LX data to any third party except as expressly authorized by LX;
  • cache, store, copy, reproduce, aggregate, commercialize, resell, redistribute, or create databases from LX data except as expressly permitted by LX in writing;
  • reverse engineer, decompile, disassemble, derive source code from, or attempt to discover the underlying structure, ideas, algorithms, models, systems, or methods of any Service;
  • bypass or circumvent authentication, authorization, rate controls, technical controls, security controls, access controls, transaction controls, monitoring, logging, usage restrictions, or other limitations;
  • interfere with, disrupt, overload, degrade, or impair any Service, system, network, provider, API, or user experience;
  • use bots, scrapers, crawlers, automation, scripts, data-mining tools, extraction tools, or other automated methods except as expressly authorized by LX;
  • use API access to transmit malware, malicious code, harmful data, infringing content, unlawful content, or unauthorized data;
  • use API access to violate law, violate third-party rights, commit fraud, facilitate unauthorized transactions, evade underwriting, bypass compliance controls, or misrepresent activity; or
  • fail to secure API keys, tokens, credentials, systems, servers, devices, applications, or access methods.

8.3. Monitoring and Enforcement

LX may monitor API usage, audit compliance, throttle requests, impose technical limits, change API functionality, require credential rotation, revoke credentials, restrict fields, block calls, disable integrations, or terminate access at any time. LX is not required to provide notice, support, backward compatibility, uptime, data availability, or continued API access.

9. User Content; Uploaded Documents; Data Rights

9.1. User Content

You and your authorized users may submit, upload, transmit, provide, generate, or make available information, data, documents, files, images, logos, forms, rate confirmations, bills of lading, proofs of delivery, invoices, receipts, settlement records, load documents, dispatch information, routing information, telematics information, banking information, transaction information, messages, communications, support materials, feedback, and other content through or in connection with the Services ("User Content").

As between you and LX, you retain any rights you have in User Content, subject to the rights and licenses granted to LX and its protected parties under these Terms and any other applicable agreement.

9.2. Responsibility for User Content

You are solely responsible for User Content and for ensuring that you have all rights, permissions, consents, notices, and authorizations necessary to provide User Content to LX and permit LX to use it as described in these Terms, the Privacy Policy, and applicable agreements.

You represent and warrant that User Content does not and will not violate law, infringe third-party rights, violate confidentiality obligations, include unauthorized personal information, include unlawful sensitive information, contain malware, contain fraudulent information, misrepresent facts, or otherwise violate these Terms.

9.3. License to LX

You grant LX and its affiliates, service providers, vendors, contractors, processors, partners, successors, assigns, and other parties involved in providing, securing, operating, improving, analyzing, underwriting, servicing, financing, supporting, or delivering the Services a non-exclusive, worldwide, royalty-free, fully paid, transferable, sublicensable license to access, host, store, copy, reproduce, transmit, display, perform, distribute, disclose, modify, format, parse, extract, analyze, translate, create derivative works from, train on, test on, validate against, combine with other data, and otherwise use User Content and related data for purposes including:

  • providing, operating, maintaining, supporting, and administering the Services;
  • onboarding, identity verification, underwriting, re-underwriting, servicing, account monitoring, transaction review, fraud prevention, compliance, collections, dispute resolution, enforcement, and risk management;
  • processing, routing, reviewing, extracting, classifying, verifying, and analyzing documents, loads, transactions, payments, telematics information, banking information, and operational information;
  • developing, training, testing, validating, improving, securing, and operating artificial intelligence, machine learning, OCR, automated systems, analytics systems, underwriting systems, fraud-detection systems, predictive models, operational intelligence systems, and related technologies;
  • creating, using, retaining, disclosing, and commercializing aggregated, anonymized, deidentified, statistical, diagnostic, usage, derived, or analytical information;
  • improving, debugging, monitoring, securing, and developing products, services, systems, models, features, workflows, integrations, APIs, and platform functionality;
  • communicating with users, administrators, counterparties, service providers, partners, and other operational participants;
  • complying with law, legal process, audits, investigations, regulatory obligations, network rules, bank requirements, payment-provider requirements, fraud-prevention obligations, sanctions requirements, and other compliance obligations; and
  • exercising LX's rights and remedies.

9.4. Survival of License

The license granted in this section survives termination, account closure, integration disconnection, document deletion, or inactivity to the extent necessary or appropriate for legal compliance, audit, backup, archival, evidentiary, fraud-prevention, underwriting, collections, enforcement, security, analytics, model-development, operational, and legitimate business purposes, subject to the Privacy Policy and applicable law.

9.5. LX Rights Regarding User Content

LX may remove, restrict, preserve, disclose, use, refuse, process, or retain User Content at any time if LX determines that doing so is necessary or appropriate for legal, compliance, fraud-prevention, security, operational, investigative, servicing, underwriting, risk-management, support, or enforcement purposes.

9.6. Platform Data, Usage Data, and Derived Data

LX may collect, generate, use, retain, disclose, and commercialize usage, diagnostic, statistical, aggregated, anonymized, deidentified, analytical, telemetry, log, performance, derived, metadata, interaction, error, security, model-output, system-output, and similar information arising from or relating to use of the Services, provided that LX will handle Personal Information in accordance with the Privacy Policy and applicable law.

As between you and LX, LX owns all right, title, and interest in and to the Services, LX systems, LX software, LX models, LX algorithms, LX workflows, LX interfaces, LX APIs, LX documentation, LX analytics, LX templates, LX platform configurations, LX usage data, LX derived data, LX aggregated or deidentified data, LX know-how, LX improvements, LX inventions, LX product developments, LX operational intelligence, and all intellectual-property rights therein, except for your rights in User Content as described above.

10. Privacy; Communications; Mobile App; Location Data

10.1. Privacy Policy

LX's collection, use, disclosure, transfer, retention, and other processing of Personal Information is described in the Load Connex Privacy Policy. By accessing or using the Services, you acknowledge the Privacy Policy.

The Privacy Policy is incorporated into these Terms by reference. If there is a conflict between these Terms and the Privacy Policy regarding LX's privacy practices, the Privacy Policy will control for that privacy-specific subject matter, and these Terms will continue to apply in all other respects.

10.2. User Responsibility for Notices and Consents

You are responsible for providing all notices and obtaining all consents, authorizations, approvals, and permissions required from your owners, officers, principals, guarantors, employees, contractors, drivers, dispatchers, fleet managers, authorized users, customers, vendors, counterparties, and other persons in connection with your use of the Services, including monitoring, telematics, workforce management, location tracking, driver tracking, connected accounts, document uploads, consumer-report authorizations, communications, and other processing activities.

10.3. Communications Consent

You consent to receive communications from LX and parties acting on LX's behalf or in connection with the Services, including account, transactional, servicing, support, onboarding, operational, compliance, payment, fraud, collection, sales, and promotional communications where permitted, by email, phone, SMS/text message, push notification, in-app message, portal message, dashboard notice, or other electronic communication.

Communications may be made using automated systems, autodialers, prerecorded messages, artificial or synthetic voices, text messages, emails, push notifications, or other technologies to the extent permitted by law. Message and data rates may apply. Consent to promotional communications is not required as a condition of purchasing goods or services where prohibited by law.

You represent that any phone number, email address, device, or communication channel you provide to LX is accurate, current, and authorized for use in connection with the Services. You will promptly update your contact information if it changes.

You may manage certain communication preferences through the Services or by following instructions provided in communications. Opting out of promotional communications does not prevent LX from sending transactional, account, legal, servicing, security, fraud, payment, collection, or operational communications.

10.4. Mobile Applications

If you download, access, or use the LX Driver App or any other LX mobile application, additional terms may apply, including app-store terms, operating-system terms, device-manufacturer terms, mobile-carrier terms, and mobile-platform requirements.

The LX Driver App and other mobile features may request or use device permissions, including location, background location, camera, photos, files, notifications, contacts, Bluetooth, motion, device identifiers, diagnostics, and other permissions depending on the functionality enabled. Certain features may not work if permissions are disabled, revoked, restricted, unavailable, inaccurate, or limited by device settings, operating-system settings, user settings, app settings, provider limitations, or law.

10.5. Location and Telematics Data

The LX Driver App may collect, use, disclose, transmit, and process precise and background location information, including when the application is not actively open or in use, subject to permissions, settings, the Privacy Policy, and applicable law.

Location and telematics information may be used for operational visibility, load tracking, route analysis, trip verification, fraud prevention, underwriting, servicing, compliance, collections, support, analytics, and related purposes.

You are responsible for ensuring that drivers, employees, contractors, and other users receive all required notices and provide all required consents relating to mobile-app use, location tracking, background location, telematics, workforce monitoring, driver tracking, and related processing.

10.6. Mobile and App-Store Disclaimers

LX does not guarantee that mobile applications, location services, push notifications, app updates, device permissions, operating systems, app stores, mobile carriers, GPS, telematics, or mobile networks will be accurate, available, secure, uninterrupted, or error-free.

LX is not liable for loss, delay, failed delivery, location inaccuracies, missed notifications, device issues, operating-system changes, app-store restrictions, mobile-carrier issues, or third-party platform limitations, except to the extent required by applicable non-waivable law.

Apple, Google, and other app-store or mobile-platform providers are not responsible for the Services, have no obligation to maintain or support the Services, and may enforce applicable mobile-app terms as third-party beneficiaries where applicable.

11. AI; Automation; Analytics; Experimental Features

11.1. Automated Systems

LX may use artificial intelligence, machine learning, automated systems, OCR, document-processing technologies, fraud-detection systems, underwriting systems, telematics analysis, predictive analytics, operational intelligence systems, analytics tools, and related technologies in connection with the Services.

Such systems may assist with underwriting, re-underwriting, account review, transaction review, fraud prevention, risk management, compliance monitoring, route and lane analysis, telematics analysis, operational verification, document review, service optimization, transaction monitoring, collections, analytics, and related operational decisions.

11.2. AI and Analytics Outputs

AI, automation, analytics, OCR, model outputs, system outputs, recommendations, alerts, classifications, predictions, risk indicators, route estimates, load analyses, document extractions, transaction reviews, and similar outputs may be incomplete, inaccurate, delayed, unavailable, biased, or unsuitable for a particular purpose.

You are responsible for independently verifying information before relying on it for legal, financial, safety, compliance, operational, dispatch, payment, credit, routing, or other important decisions.

11.3. Experimental Features

LX may offer beta, pilot, preview, experimental, pre-release, trial, or limited-availability features. Such features may be modified, suspended, discontinued, restricted, reset, or removed at any time. They are provided for evaluation and operational use only, as applicable, and may be subject to additional limitations, disclaimers, and restrictions.

11.4. Human Review

Nothing in these Terms obligates LX to provide human review of any particular activity, decision, process, transaction, underwriting determination, fraud assessment, operational analysis, or related action unless required by applicable law.

12. Intellectual Property; Feedback; Confidentiality

12.1. LX Intellectual Property

The Services and all related software, technology, interfaces, designs, text, graphics, logos, icons, images, databases, workflows, features, functionality, models, algorithms, analytics, documentation, know-how, trade secrets, trademarks, service marks, trade names, and other materials are owned by LX, its affiliates, licensors, vendors, or other providers and are protected by intellectual-property and other laws.

Subject to these Terms and any applicable agreement, LX grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services solely for your internal business purposes and solely as authorized by LX.

All rights not expressly granted are reserved by LX and its licensors.

12.2. Restrictions on LX Materials

You may not copy, reproduce, modify, adapt, translate, create derivative works from, distribute, sell, lease, sublicense, publish, display, perform, transmit, reverse engineer, decompile, disassemble, access source code, frame, mirror, scrape, harvest, or otherwise exploit any portion of the Services except as expressly permitted by LX in writing.

You may not use LX's name, trademarks, logos, trade names, service marks, branding, screenshots, product names, or other identifiers without LX's prior written consent, except as expressly permitted by LX in writing. Any goodwill arising from use of LX marks inures solely to LX.

12.3. Feedback

If you provide ideas, suggestions, feedback, requests, comments, improvements, corrections, proposals, or other input regarding the Services ("Feedback"), you grant LX an unrestricted, irrevocable, perpetual, worldwide, royalty-free, fully paid, transferable, sublicensable right to use, exploit, disclose, reproduce, modify, commercialize, and incorporate the Feedback for any purpose without compensation, attribution, approval, or restriction.

12.4. Confidentiality

You may receive or access nonpublic information relating to LX, the Services, pricing, rebates, discounts, programs, underwriting criteria, risk controls, APIs, documentation, integrations, technology, models, analytics, business plans, partners, vendors, customers, security measures, or other confidential or proprietary information.

You must protect LX's confidential information using at least reasonable care and may use it only as necessary to access and use the Services as authorized by LX. You may not disclose LX confidential information to any third party except as expressly authorized by LX in writing or required by law.

Confidential information does not include information that becomes public without breach of these Terms, was lawfully known by you before disclosure, is independently developed without use of LX confidential information, or is lawfully received from a third party without restriction.

You must promptly notify LX of any unauthorized use or disclosure of LX confidential information. LX may seek injunctive or equitable relief for breach or threatened breach of this section without posting bond to the maximum extent permitted by law.

12.5. Copyright and Intellectual-Property Complaints

LX respects intellectual-property rights. If you believe that content made available through the Services infringes your copyright or other intellectual-property rights, you may contact LX using the notice contact information listed in Section 21.3.

Your notice should include sufficient information for LX to identify the allegedly infringing material, your contact information, a description of your rights, a statement that you have a good-faith belief that the disputed use is not authorized, and any other information required by applicable law.

LX may remove or restrict access to allegedly infringing material and may terminate or restrict users who repeatedly infringe intellectual-property rights, in LX's discretion and subject to applicable law.

13. Prohibited Uses; Compliance With Laws

13.1. Prohibited Uses

You must not, and must not permit any other person or system to:

  1. access or use the Services for any personal, family, household, unlawful, fraudulent, deceptive, harmful, abusive, or unauthorized purpose;
  2. violate law, regulation, court order, network rule, bank requirement, payment-provider requirement, fuel-network requirement, telematics-provider requirement, contract, third-party right, or LX policy;
  3. submit false, inaccurate, incomplete, misleading, fraudulent, forged, altered, or unauthorized information or documents;
  4. impersonate any person or entity or misrepresent identity, authority, affiliation, relationship, ownership, control, driver status, carrier status, factor status, broker status, administrator status, or authorization;
  5. use the Services to commit fraud, evade payment, avoid underwriting, conceal risk, circumvent controls, misuse credit, misuse cards, manipulate rebates, abuse promotions, launder funds, facilitate unlawful payments, or engage in suspicious or prohibited activity;
  6. access or use another user's account, credentials, data, cards, devices, API keys, integrations, or systems without authorization;
  7. interfere with, disrupt, overload, damage, impair, disable, or compromise the Services or any system, network, provider, API, integration, account, user, or device;
  8. introduce malware, viruses, worms, logic bombs, harmful code, malicious data, security exploits, or other harmful materials;
  9. probe, scan, test, bypass, circumvent, or defeat security, authentication, authorization, access controls, transaction controls, technical controls, rate controls, or monitoring systems;
  10. scrape, crawl, harvest, mine, extract, copy, cache, aggregate, resell, redistribute, or commercialize data from the Services except as expressly permitted by LX;
  11. use bots, scripts, automation, data-mining tools, extraction tools, or other automated methods except as expressly authorized by LX;
  12. reverse engineer, decompile, disassemble, modify, copy, derive source code from, or attempt to discover the underlying structure, ideas, algorithms, models, systems, or methods of the Services;
  13. use the Services to develop, train, improve, benchmark, or support a competing product or service;
  14. use the Services for service-bureau, timesharing, outsourcing, resale, sublicensing, or third-party processing purposes except as expressly authorized by LX;
  15. remove, obscure, or alter proprietary notices, disclaimers, or legal notices;
  16. violate sanctions, export-control laws, anti-money-laundering laws, anti-bribery laws, anti-corruption laws, transportation laws, financial-services laws, privacy laws, consumer-reporting laws, employment laws, labor laws, or safety laws;
  17. use the Services in or for the benefit of a sanctioned jurisdiction, sanctioned person, prohibited person, restricted party, or unlawful activity;
  18. upload or transmit infringing, unlawful, defamatory, obscene, harassing, threatening, discriminatory, abusive, or otherwise objectionable content;
  19. interfere with LX's relationships with banks, processors, card networks, fuel networks, merchants, telematics providers, Connectivity Providers, factoring companies, brokers, vendors, or partners;
  20. make statements, commitments, warranties, or representations on behalf of LX without written authorization; or
  21. assist, encourage, permit, or enable any person to do any of the foregoing.

13.2. Compliance With Laws

You are responsible for complying with all laws, regulations, rules, orders, contracts, permits, licenses, registrations, and third-party requirements applicable to your business, users, vehicles, drivers, transactions, payments, routes, loads, documents, communications, integrations, and use of the Services.

Without limiting the foregoing, you are responsible for compliance with applicable transportation, motor carrier, broker, freight-forwarder, factoring, payment, credit, consumer-reporting, privacy, data-protection, employment, labor, wage-and-hour, driver-monitoring, telematics, location-tracking, tax, insurance, safety, export-control, sanctions, anti-money-laundering, anti-bribery, anti-corruption, and consumer-protection laws.

13.3. Sanctions and Export Controls

You represent and warrant that you are not located in, organized under the laws of, ordinarily resident in, controlled by, acting on behalf of, or providing services to any country, region, person, entity, or government subject to sanctions, embargoes, or restrictions under applicable law, and that you are not listed on any restricted-party, denied-party, blocked-person, sanctions, or similar list.

You will not use the Services in violation of sanctions, export-control, anti-money-laundering, anti-bribery, or anti-corruption laws.

LX may screen, monitor, suspend, restrict, terminate, or report accounts, transactions, users, counterparties, or activity for compliance, sanctions, export-control, fraud-prevention, AML, security, or risk-management purposes.

13.4. Investigations and Enforcement

LX may investigate suspected violations and may suspend, restrict, terminate, report, preserve evidence, disclose information, cooperate with law enforcement or regulators, or take other protective action at any time, with or without notice.

14. LX Role Disclaimers

14.1. LX Is Not a Regulated Transportation or Financial Substitute

Unless LX expressly agrees otherwise in a separate signed writing, LX is not and does not act as a motor carrier, freight broker, freight forwarder, dispatcher, shipper, consignee, warehouseman, insurer, insurance broker, surety, guarantor, bank, money transmitter, lender, escrow agent, trustee, fiduciary, employment agency, payroll provider, tax advisor, legal advisor, financial advisor, investment advisor, credit repair organization, consumer reporting agency, background-check company, or professional advisor.

14.2. No Responsibility for Third-Party Transportation or Business Conduct

LX does not assume responsibility for transportation services, load performance, dispatch decisions, carrier selection, broker compliance, shipper obligations, delivery performance, cargo loss, cargo damage, driver conduct, driver qualification, vehicle safety, insurance coverage, regulatory filings, tax treatment, employment classification, wage obligations, labor compliance, legal compliance, or the solvency, performance, representations, or conduct of any carrier, broker, factor, shipper, receiver, driver, dispatcher, vendor, customer, partner, or other third party.

14.3. No Professional Advice

Any information, output, estimate, alert, report, document extraction, route information, load information, payment status, credit decision, risk indicator, telematics information, location information, pricing display, or analytics provided through the Services is for business convenience and operational use only and is not legal, tax, financial, insurance, safety, employment, transportation, compliance, or professional advice.

You are responsible for making your own business, legal, tax, financial, transportation, safety, compliance, dispatch, hiring, payment, credit, and operational decisions.

15. Suspension; Investigation; Termination

15.1. LX Suspension and Termination Rights

LX may, at any time and with or without notice, suspend, restrict, freeze, disable, investigate, limit, modify, terminate, revoke, or refuse access to any Service, account, card, credential, API key, token, integration, payment method, rebate, credit, transaction, document, user, administrator, device, communication channel, or feature if LX determines, in its discretion, that doing so is necessary or appropriate.

Reasons may include suspected fraud, unauthorized use, security risk, legal risk, compliance risk, sanctions risk, credit risk, collection risk, payment risk, returned payments, chargebacks, negative balances, insolvency risk, business closure, false information, misleading information, inaccurate information, disconnected integrations, failed bank connectivity, revoked permissions, provider issues, data-access limitations, suspicious activity, excessive disputes, prohibited use, breach of these Terms, breach of another agreement, internal account disputes, law-enforcement requests, regulatory requests, network requirements, bank requirements, payment-provider requirements, fuel-network requirements, operational concerns, or any circumstance that causes LX to deem itself insecure.

15.2. Preservation and Retention

LX may preserve, retain, use, disclose, or restrict data, documents, logs, communications, account records, transaction records, and other information after suspension or termination for legal, compliance, audit, fraud-prevention, security, collections, enforcement, evidentiary, operational, analytics, and legitimate business purposes, subject to the Privacy Policy and applicable law.

15.3. Continuing Obligations

Termination or suspension does not release you from any obligations incurred before or after termination, including payment obligations, indemnity obligations, confidentiality obligations, data obligations, and obligations that survive under these Terms or any applicable agreement.

16. Service Availability; Warranty Disclaimers

16.1. Service Availability

The Services may be unavailable, delayed, interrupted, inaccurate, limited, modified, or discontinued due to maintenance, updates, outages, provider failures, integrations, network issues, technical issues, security events, legal requirements, fraud-prevention measures, compliance reviews, force majeure events, or other reasons.

LX does not guarantee uptime, availability, performance, compatibility, support, error correction, data retention, data recovery, integration continuity, API continuity, mobile-app availability, pricing accuracy, transaction approval, payment timing, location accuracy, telematics accuracy, notification delivery, or continued availability of any Service.

LX may provide support in its discretion. LX has no obligation to provide any particular support channel, response time, resolution, escalation, integration support, custom development, data correction, or Service modification unless expressly agreed in a separate written agreement.

16.2. Warranty Disclaimer

To the maximum extent permitted by law, the Services and all related websites, portals, applications, APIs, integrations, cards, credentials, pricing displays, transaction data, merchant data, payment data, telematics data, location data, underwriting tools, AI tools, analytics, documents, outputs, communications, support, and related services are provided on an "as is," "as available," and "with all faults" basis.

To the maximum extent permitted by law, LX disclaims all warranties of any kind, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, noninfringement, accuracy, completeness, availability, reliability, security, timeliness, uninterrupted operation, error-free operation, compatibility, data retention, data recovery, course of dealing, course of performance, and usage of trade.

16.3. No Guarantee

LX does not warrant or guarantee that:

  • the Services will be uninterrupted, secure, accurate, complete, current, timely, compatible, or error-free;
  • defects or errors will be corrected;
  • data will be retained, recoverable, accurate, complete, or available;
  • integrations, APIs, third-party providers, banks, payment providers, card networks, fuel networks, telematics providers, ELD providers, Connectivity Providers, mobile platforms, app stores, or other providers will remain available or accurate;
  • any transaction, payment, card authorization, rebate, discount, credit request, underwriting decision, account action, integration, load, route, notification, document, or communication will be approved, completed, delivered, accurate, or timely;
  • the Services will meet your requirements, expectations, business needs, compliance obligations, operational needs, or financial expectations;
  • the Services will prevent fraud, unauthorized activity, loss, liability, disputes, chargebacks, returned payments, or compliance issues; or
  • any information or output from the Services may be relied upon without independent verification.

Some jurisdictions do not allow certain warranty disclaimers, so some disclaimers may not apply to you to the extent prohibited by applicable non-waivable law.

17. Indemnification

17.1. Indemnity Obligation

To the maximum extent permitted by law, you will defend, indemnify, and hold harmless LX and its affiliates, successors, assigns, officers, directors, members, managers, employees, contractors, agents, representatives, service providers, vendors, licensors, program managers, processors, banks, card issuers, card networks, fuel networks, payment networks, Connectivity Providers, telematics providers, ELD providers, factoring-company partners, broker partners, white-label partners, program sponsors, and other protected parties from and against any claims, demands, actions, proceedings, investigations, damages, losses, liabilities, fines, penalties, costs, expenses, fees, and attorneys' fees arising out of or relating to:

  • your access to or use of the Services;
  • your User Content, data, documents, information, integrations, systems, vehicles, loads, transactions, payments, or communications;
  • your breach of these Terms or any other applicable agreement, policy, authorization, or disclosure;
  • your violation of law, regulation, network rule, bank requirement, provider requirement, contract, or third-party right;
  • your fraud, negligence, willful misconduct, misrepresentation, unauthorized use, misuse, or prohibited use;
  • any activity by your owners, officers, principals, guarantors, administrators, authorized users, employees, contractors, drivers, dispatchers, agents, representatives, invitees, customers, vendors, or counterparties;
  • your failure to provide required notices or obtain required consents, permissions, authorizations, or approvals;
  • your use of telematics, ELD, GPS, background location, driver monitoring, workforce monitoring, connected accounts, consumer reports, or other regulated information;
  • any dispute among you and any owner, administrator, authorized user, employee, contractor, driver, dispatcher, fleet manager, factoring company, broker, carrier, shipper, vendor, customer, partner, or other third party;
  • any payment obligation, returned payment, chargeback, reversal, negative balance, unpaid amount, collection matter, or transaction dispute;
  • any claim that LX or any protected party is responsible for the acts, omissions, statements, promises, representations, payments, services, products, compliance, or performance of any third party; or
  • any claim by a third party arising from your use of or inability to use the Services.

17.2. Defense and Settlement

LX may control the defense and settlement of any indemnified matter. You may not settle any indemnified matter without LX's prior written consent if the settlement imposes any obligation on LX, admits liability by LX, restricts LX's rights, or fails to release LX fully.

18. Limitation of Liability

18.1. Excluded Damages

To the maximum extent permitted by law, LX and its protected parties will not be liable for any indirect, incidental, consequential, special, exemplary, enhanced, or punitive damages; lost profits; lost revenue; lost savings; lost rebates; lost discounts; loss of goodwill; loss of business opportunity; business interruption; loss of data; loss of use; loss of loads; lost freight opportunities; cargo loss; cargo damage; declined transactions; card declines; payment delays; failed payments; rejected payments; reversed payments; account freezes; suspended services; reduced credit; terminated credit; underwriting decisions; adverse decisions; fraud losses; unauthorized access; unauthorized use; third-party failures; integration failures; telematics inaccuracies; location inaccuracies; routing errors; document-processing errors; AI outputs; or other similar losses, even if LX has been advised of the possibility of such damages.

18.2. Liability Cap

To the maximum extent permitted by law, LX's aggregate liability for all claims arising out of or relating to the Services, these Terms, or any related relationship will not exceed the greater of: (a) one hundred dollars ($100); or (b) the amounts actually paid by the claimant directly to LX for the specific Service giving rise to the claim during the three (3) months immediately preceding the event giving rise to liability.

For purposes of calculating the liability cap, amounts paid to LX do not include fuel purchases, card spend, transaction volume, credit limits, advances, funded amounts, rebates, discounts, savings, carrier payments, broker payments, factoring proceeds, pass-through amounts, taxes, bank charges, processor charges, network charges, merchant charges, third-party charges, amounts paid to third parties, amounts collected for or remitted to third parties, reimbursements, chargebacks, returned payments, offsets, reserves, or amounts otherwise not retained by LX as fees for the specific Service giving rise to the claim.

18.3. Application of Limitations

The limitations in this section apply to all theories of liability, whether based on contract, tort, negligence, strict liability, statute, warranty, misrepresentation, restitution, unjust enrichment, equity, or otherwise, and apply even if a remedy fails of its essential purpose.

Nothing in these Terms excludes or limits liability to the extent such exclusion or limitation is prohibited by applicable non-waivable law, including liability that cannot lawfully be limited for fraud, willful injury, intentional misconduct, or other claims that cannot legally be waived or capped. In any jurisdiction where limitations of liability are restricted, LX's liability will be limited to the maximum extent permitted by law.

For California users and California-governed claims, the limitations, exclusions, releases, waivers, and disclaimers in these Terms are not intended to apply to the extent prohibited by California Civil Code section 1668 or other applicable non-waivable California law.

19. Dispute Resolution; Arbitration; Class Waiver

19.1. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles, except to the extent federal law or other non-waivable law applies.

The United Nations Convention on Contracts for the International Sale of Goods does not apply.

19.2. Agreement to Arbitrate

Please read this section carefully. It requires binding individual arbitration of disputes and limits the manner in which you may seek relief from LX, except to the extent prohibited by applicable law.

Except for claims that cannot lawfully be arbitrated, and except for the exceptions stated below, any dispute, claim, or controversy arising out of or relating to these Terms, the Services, any LX agreement, any LX policy, any LX program, any account, any transaction, any communication, any data or content, any relationship with LX, or the existence, breach, termination, enforcement, interpretation, validity, scope, or applicability of this arbitration provision will be resolved exclusively and finally by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules and, where applicable, its Mass Arbitration Supplementary Rules or other applicable AAA rules then in effect.

The seat of arbitration will be Los Angeles County, California. Hearings may be conducted remotely, by video, by telephone, or on written submissions where permitted by the arbitrator, AAA rules, or applicable law. Judgment on the arbitration award may be entered in any court having jurisdiction.

19.3. Informal Dispute Resolution

Before initiating arbitration, the party seeking arbitration must provide written notice describing the dispute and requested relief. The parties will attempt in good faith to resolve the dispute informally for at least thirty (30) days after notice is received, unless a shorter period is required by law or emergency relief is sought.

The notice must be individualized and must include the claimant's name, account information if applicable, contact information, a description of the claim, and the requested relief.

19.4. Arbitrability

The arbitrator has exclusive authority to resolve disputes relating to the interpretation, applicability, enforceability, formation, scope, or validity of this arbitration provision, except that a court of competent jurisdiction will decide issues relating to the enforceability of the class action waiver, representative action waiver, or public injunctive relief waiver to the extent required by law.

19.5. Class Action Waiver

You and LX agree that arbitration will be conducted only on an individual basis. You and LX waive any right to participate in a class action, collective action, representative action, private attorney general action, consolidated action, or mass action, whether in court or arbitration, to the maximum extent permitted by law.

The arbitrator may not consolidate claims of different claimants or preside over any form of class, collective, consolidated, representative, private attorney general, or mass proceeding unless both you and LX expressly agree in writing.

If a final judicial determination holds that the class action waiver, collective action waiver, representative action waiver, or public injunctive relief waiver is unenforceable as to a particular claim or request for relief, then that claim or request for relief will proceed in court and not in arbitration, and the remaining claims will remain subject to arbitration to the maximum extent permitted by law.

19.6. Exceptions to Arbitration

The following claims and remedies are not required to be arbitrated: provisional remedies; temporary restraining orders; preliminary injunctions; self-help remedies; account suspension; transaction holds; setoff; offsets; reversals; chargebacks; payment collection actions permitted by law; debt collection actions; enforcement of security interests; UCC remedies; claims concerning unauthorized access or misuse of the Services; claims concerning intellectual-property rights; claims concerning confidentiality; and claims that cannot lawfully be arbitrated.

Nothing in these Terms requires arbitration of a claim for public injunctive relief to the extent such claim cannot lawfully be required to proceed in arbitration or waived under California law. Any such claim or request for relief shall proceed in a court of competent jurisdiction, and all other arbitrable claims shall remain subject to arbitration to the maximum extent permitted by law.

19.7. Court Venue

For any claim not subject to arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Los Angeles County, California, except where prohibited by applicable law.

19.8. Jury Trial Waiver

To the maximum extent permitted by law, you and LX waive any right to a jury trial.

19.9. Mass Arbitration

If multiple similar claims are filed by or with the assistance of the same or coordinated counsel or organizations, LX may require that such claims proceed under applicable AAA mass-arbitration procedures, batching procedures, bellwether procedures, fee procedures, or other procedures designed to manage related claims efficiently, fairly, and proportionately.

19.10. Survival

This arbitration provision survives termination of these Terms, account closure, Service termination, and the end of any relationship between you and LX.

20. International Users; Mandatory Law

20.1. International Access

LX is based in the United States, and the Services are primarily intended for businesses operating in the United States. Users located outside the United States may access or interact with the Services only if they can lawfully do so.

If you access or use the Services from outside the United States, you are responsible for compliance with local law. LX does not represent that the Services are appropriate, available, lawful, or compliant in any particular jurisdiction outside the United States. Access to the Services from jurisdictions where such access is illegal or requires authorization not held by you or LX is prohibited.

20.2. Mandatory Law

Nothing in these Terms limits any rights, remedies, obligations, warranties, liabilities, procedures, or protections that cannot lawfully be limited, excluded, waived, or modified under applicable law.

If the laws of the European Economic Area, the United Kingdom, Canada, Mexico, or another jurisdiction apply notwithstanding these Terms, these Terms will apply only to the maximum extent permitted by such laws.

20.3. Privacy Rights and International Transfers

Privacy rights, international-transfer disclosures, data-subject rights, lawful bases for processing, state privacy rights, and similar privacy matters are addressed in the Privacy Policy, subject to applicable law.

You acknowledge that information may be transferred to, accessed from, stored in, and processed in the United States and other jurisdictions as described in the Privacy Policy.

21. Changes; Notices

21.1. Changes to These Terms

LX may revise, modify, supplement, replace, or update these Terms from time to time. Changes may occur for many reasons, including changes to law, regulatory requirements, business practices, operational practices, products, services, integrations, technologies, vendors, counterparties, security practices, program requirements, or platform functionality.

Unless otherwise stated, changes become effective when posted, published, communicated, or otherwise made available by LX. LX may communicate changes through the website, portal, mobile application, email, SMS, in-product notification, account notice, dashboard notice, or other communication.

Your continued access to or use of the Services after the effective date of updated Terms constitutes acceptance of the updated Terms to the maximum extent permitted by law. If you do not agree to updated Terms, you must stop using the Services.

Unless otherwise required by law or a separate written agreement, any amendment that materially increases payment obligations will apply prospectively and not to prior completed transactions.

21.2. Notices from LX

LX may provide notices, disclosures, communications, invoices, statements, alerts, account messages, legal notices, updates, and other information by email, portal, dashboard, in-app message, push notification, SMS/text message, phone call, mail, website posting, account notice, or other electronic or physical delivery method.

Unless prohibited by law, notices sent electronically are deemed received when sent, posted, transmitted, or made available. Notices sent by mail are deemed received when delivered or, if earlier, three (3) business days after mailing.

You are responsible for maintaining accurate contact information and for regularly reviewing your email, phone, portal, dashboard, app, and account messages.

21.3. Notices to LX

Legal notices to LX should be sent to:

Load Connex LLC
2940 N. Hollywood Way
Burbank, CA 91505
(888) 451-6888
info@LoadConnex.com
LoadConnex.com

LX may designate different notice methods or addresses for privacy requests, legal notices, arbitration notices, support requests, billing disputes, or other matters through the Services, the Privacy Policy, an applicable agreement, or written notice.

21.4. California User Notice

The Services are intended for business and commercial use only. To the extent California Civil Code section 1789.3 or a similar California consumer notice law applies, California users may contact LX using the notice contact information listed in Section 21.3.

The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Boulevard, Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

22. Miscellaneous

22.1. Assignment

LX may assign, transfer, delegate, or subcontract these Terms, any agreement, any account, any obligation, any right, any remedy, any data, or any Service, in whole or in part, without restriction and without notice, including in connection with a merger, acquisition, financing, restructuring, asset sale, securitization, bankruptcy, corporate transaction, vendor arrangement, affiliate arrangement, or other business transaction.

You may not assign, transfer, delegate, or sublicense these Terms, any account, any access right, any credential, any API access, or any obligation without LX's prior written consent. Any attempted assignment in violation of this section is void.

22.2. Subcontractors, Vendors, Affiliates, and Service Providers

LX may use affiliates, vendors, subcontractors, processors, banks, card issuers, card networks, fuel networks, payment providers, Connectivity Providers, telematics providers, ELD providers, cloud providers, analytics providers, communications providers, software-development providers, support providers, offshore personnel, consultants, contractors, and other service providers or operational partners to provide, operate, support, secure, underwrite, finance, improve, and deliver the Services.

LX is responsible for its own obligations under these Terms, but LX is not responsible for third-party providers' independent acts, omissions, outages, errors, terms, policies, practices, or failures except to the extent required by applicable non-waivable law.

22.3. Force Majeure

LX is not liable for delay, failure, interruption, unavailability, error, or loss caused by events beyond LX's reasonable control, including acts of God, natural disasters, severe weather, fires, floods, epidemics, pandemics, war, terrorism, civil unrest, labor disputes, power failures, internet failures, telecommunications failures, cyberattacks, security incidents, government actions, court orders, regulatory actions, sanctions, bank failures, payment-network issues, card-network issues, fuel-network issues, merchant issues, provider outages, cloud-provider failures, integration failures, supply-chain issues, or other events beyond LX's reasonable control.

22.4. No Waiver

No waiver by LX is effective unless in writing and signed by LX. LX's failure to enforce any provision is not a waiver of that provision or any other provision. LX's rights and remedies are cumulative and may be exercised concurrently or in any order.

22.5. Severability

If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect. The invalid, illegal, or unenforceable provision will be modified to the minimum extent necessary to make it valid and enforceable where possible. If modification is not possible, the provision will be severed only to the extent necessary, and the remainder will remain enforceable.

If any provision is invalid, illegal, or unenforceable in a particular jurisdiction or as applied to a particular claim, user, or circumstance, it will be limited only in that jurisdiction and only as to that claim, user, or circumstance, and will remain enforceable in all other jurisdictions and applications to the maximum extent permitted by law.

22.6. Interpretation

Headings are for convenience only and do not affect interpretation. "Including" means "including without limitation." "Or" is not exclusive. "Will" and "shall" are mandatory. References to "law" include statutes, regulations, rules, orders, ordinances, guidance, and other legal requirements. References to "Services" include all current and future services unless the context requires otherwise.

22.7. Survival

Any provision that by its nature should survive termination will survive, including provisions relating to payment obligations, account responsibility, setoff, holds, reversals, recoupment, ownership, intellectual property, User Content licenses, platform data, derived data, confidentiality, prohibited uses, compliance, privacy acknowledgments, communications, suspension, termination, disclaimers, limitation of liability, indemnification, arbitration, class action waiver, jury trial waiver, governing law, venue, notices, assignment, subcontractors, severability, interpretation, and miscellaneous provisions.

22.8. Entire Agreement

These Terms, together with the Privacy Policy and any other applicable agreements, authorizations, disclosures, policies, order forms, exhibits, addenda, program terms, cardholder terms, API terms, onboarding materials, and supplemental terms, constitute the agreement between you and LX regarding the subject matter they cover.

They supersede prior or contemporaneous understandings regarding the same subject matter, except that they do not supersede any separate agreement that expressly states it controls and is signed or otherwise expressly approved by LX.

No oral statement, sales communication, marketing material, support communication, partner communication, website statement, estimate, presentation, or informal message modifies these Terms unless expressly incorporated into a signed writing by LX.

22.9. Contact

Questions about these Terms may be directed to:

Load Connex LLC
2940 N. Hollywood Way
Burbank, CA 91505
(888) 451-6888
info@LoadConnex.com
LoadConnex.com