1. Introduction and Acceptance
These Terms of Service ("Terms" or "TOS") are a legally binding agreement between you ("User," "you," or "your") and Dakota Financial, LLC, doing business as HaulPay ("HaulPay," "Company," "we," "us," or "our"). HaulPay provides digital freight invoicing, payment facilitation, freight matching, data analytics, and related software-as-a-service tools to the logistics and trucking industry in the United States and Canada (collectively, the "Services").
By creating an account, accessing our website at haulpay.io, downloading or using our mobile applications, or otherwise using any of the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy, which is incorporated herein by reference. If you do not agree, you must not access or use the Services.
These Terms govern your initial account registration and your use of all HaulPay products, including but not limited to the load board, credit and data tools, carrier payments, broker payments, and subscription-based software features. Certain Services—such as freight factoring, accounts-receivable financing, and spend card programs—are governed by separate supplemental agreements presented within the application. In the event of a conflict between these Terms and any supplemental agreement, the supplemental agreement controls with respect to the subject matter it covers.
Eligibility. You represent and warrant that you are at least 18 years of age, that you have the legal capacity and authority to enter into these Terms, and that you are not barred from using the Services under any applicable law. If you are accepting these Terms on behalf of a business entity, you represent that you have the authority to bind that entity.
2. Changes to These Terms
We may update or modify these Terms at any time. When we make material changes, we will notify you by posting the revised Terms on our website and, where practicable, by email or in-app notification to active accounts. The "Last Revised" date on this page will be updated accordingly. Your continued use of the Services after a change becomes effective constitutes your acceptance of the revised Terms. If you do not agree to any update, your sole remedy is to stop using the Services and close your account.
3. Description of Services
HaulPay offers a technology platform that connects freight brokers, carriers, shippers, and other logistics participants. The Services may include any combination of the following, as available and as may change from time to time:
- Freight load board tools
- Carrier and broker payment facilitation and invoicing (subject to separate agreements)
- Accounts-receivable factoring and financing (subject to separate agreements)
- Spend Card and financial account services (subject to separate terms and agreements described in Section 11)
- Credit data, days-to-pay analytics, and business intelligence tools
- API integrations and developer tools
- Mobile applications for iOS and Android
- Subscription-based software tools and premium data features
The specific features available to you depend on your account type, subscription tier, and any supplemental agreements you have executed. We reserve the right to add, modify, or discontinue any feature or Service at any time, with or without notice.
4. Account Registration and Security
To access the Services, you must create an account by providing accurate and complete registration information. You agree to keep your account information current at all times. You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately at support@haulpay.io if you become aware of any unauthorized use of your account.
We reserve the right to suspend or terminate any account that we reasonably believe contains false or misleading information, or that is being used in violation of these Terms.
5. User Content and Information
User Responsibility for Content. By submitting any content, data, or information to the Services (including but not limited to load postings, company information, credit data, carrier or broker details, invoices, and any other materials), you represent and warrant that: (a) you are authorized to submit such content; (b) the content is accurate and not misleading; and (c) the content does not violate any applicable law or regulation or infringe any third-party right.
License to HaulPay. You grant HaulPay a non-exclusive, worldwide, royalty-free license to use, reproduce, display, modify, distribute, and promote your content solely as reasonably necessary to operate, improve, and market the Services.
No Resale or Scraping. You may not reproduce, duplicate, copy, scrape, sell, trade, resell, or exploit any portion of the Services, the content available through the Services, or access to the Services, for any commercial purpose without our express written permission. Automated data collection (bots, scrapers, crawlers) is prohibited unless expressly authorized by HaulPay in writing.
6. Verification and Data Accuracy
User Verification Obligations. HaulPay is a technology platform. We do not independently verify the accuracy of information posted by Users, including but not limited to: shipper and carrier addresses, MC and DOT numbers, cargo insurance details, credit or billing information, mileage calculations, or any other data displayed within the Services. You are solely responsible for independently verifying all information about any other User, load, route, or transaction before relying on it or entering into any business arrangement.
Mileage estimates, credit ratings, days-to-pay statistics, and similar data provided through the Services are offered for informational purposes only and may contain inaccuracies. You agree not to place undue reliance on such data where reliance could result in financial loss, damage, or injury.
Definitions. For purposes of these Terms: a "Carrier" is any person or entity that transports goods; a "Broker" is any person or entity that arranges for the transportation of goods by a Carrier on behalf of a Shipper, as further defined in 49 U.S.C. § 13102; and a "Shipper" is any person or entity that tenders goods for delivery.
If you identify inaccurate or false information posted on the platform, please report it immediately to support@haulpay.io.
7. Communications and Notifications
By creating an account, you consent to receive communications from HaulPay by email, push notification, SMS, or in-app messaging, including transactional messages, service updates, security alerts, and promotional offers. You may opt out of non-essential marketing communications at any time by following the unsubscribe instructions in any such message or by contacting support@haulpay.io. Opting out of marketing communications does not affect our ability to send transactional or service-related messages.
8. Privacy
Your use of the Services is subject to our Privacy Policy. The Privacy Policy describes how we collect, use, store, and disclose your personal information. By using the Services, you consent to the practices described in the Privacy Policy.
9. Subscription Services and Fees
Certain features of the Services, including premium data tools, enhanced load board access, and subscription-based software, may require payment of fees ("Paid Services"). All fees, billing cycles, and payment terms will be disclosed at the time of purchase or within the applicable product interface.
By subscribing to a Paid Service, you authorize HaulPay (or our billing service provider) to charge the payment method on file on a recurring basis at the then-current rate until you cancel. You may cancel at any time through your account settings or by contacting support@haulpay.io. Cancellation takes effect at the end of the current billing period; no prorated refunds are provided for partial periods unless otherwise required by law.
We reserve the right to change pricing for Paid Services upon reasonable notice. Price changes will apply to the next billing cycle following the effective date of the change.
10. Carrier Payments
If you are a Carrier using HaulPay to receive payments for freight services, you authorize HaulPay to pay you using the payment information you provide in your account or application. You are solely responsible for the accuracy of your payment details, including bank account and routing numbers. HaulPay is not liable for errors, delays, or misdirected payments resulting from incorrect information submitted by you.
You further acknowledge that payment timing and availability may depend on verification and approval by the paying Broker or Shipper, and that HaulPay is not responsible for delays caused by third-party actions or failures.
11. Spend Card and Financial Account Services
HaulPay may offer eligible Users access to a Visa® Spend Card issued by Celtic Bank, Member FDIC, in partnership with Stripe, Inc. ("Spend Card"), and a linked financial account powered through Stripe Treasury.
11.1 Card Issuance and Terms
The HaulPay Spend Card is issued by Celtic Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Use of the card is subject to the Celtic Bank Cardholder Agreement, presented during Stripe-hosted onboarding, and all applicable card network rules.
11.2 No Fees for Card Usage and Replacement Card Costs
HaulPay does not charge Users any fees to apply for, receive, or use the Spend Card. There are no monthly fees, per-transaction fees charged by HaulPay. Replacement Cards: The only additional costs are for card replacement which is $5 per new card requested. There may also be an additional charge for rushed shipping depending on options presented in the app at the time of requesting the rushed shipping.
| Fee Type | Amount |
| Card Issuance | $0.00 |
| Monthly Fee | $0.00 |
| Physical Card Replacement | $5.00 per card |
| Expedited Shipping (if available) | Varies; disclosed at time of request |
| ACH Return | $5.00 |
| Disputed Transaction | $20.00 |
11.3 Fuel Rebates and Rewards
HaulPay may offer periodic rebates or incentives to Users who use the Spend Card to purchase fuel at participating fuel stop merchants with whom HaulPay has negotiated benefits. Rebates may be credited to the User’s HaulPay-linked financial account and are typically processed within 30 days of the eligible transaction, though this may vary. Rebates are not guaranteed and may be subject to change based on program eligibility or merchant participation.
11.4 Financial Account Use
Users may be issued a financial account powered by Stripe Treasury for purposes of storing funds, funding Spend Card usage, and receiving payments. These accounts are not FDIC-insured deposit accounts but are managed through regulated Stripe bank partners.
11.5 Auto-Funding Authorization
If the User enables auto-funding from a linked external bank account, the User authorizes HaulPay to initiate ACH debits to top up their financial account balance when it falls below a user-defined threshold. Users may control or disable this setting through their account dashboard.
11.6 Modifications and Suspension
HaulPay reserves the right, in its sole discretion, to modify, suspend, or terminate the Spend Card program, rebate program, financial account services, or any related feature at any time with or without notice.
12. Factoring Applications and UCC Filings
If you submit an application for HaulPay’s freight factoring or accounts-receivable financing services, you acknowledge and agree to the following:
- Application Approval. Application approval occurs when HaulPay has received all required documentation—including proof of identity, business verification, financial account details, and any other requested underwriting materials—and has determined your eligibility. Upon approval, HaulPay will issue a formal factoring agreement for your review and execution.
- UCC-1 Filing. Upon approval of your application and in anticipation of the execution of a factoring agreement, HaulPay may file a UCC-1 financing statement to protect its prospective security interest in your receivables. This filing alone does not create a binding obligation, and you are not required to sign or proceed with the factoring agreement.
- If you do not wish to proceed, you must notify us at support@haulpay.io within 48 hours of your application submission (or as soon as practicable thereafter). Upon timely request, HaulPay will cancel your application and, if applicable, terminate any UCC-1 filing.
- Non-Applicants. UCC-1 filings are not made for Users who have not applied for and been approved for HaulPay’s factoring services.
13. Intellectual Property
All content, software, code, design, text, graphics, logos, trademarks, and other materials comprising the Services are the exclusive property of HaulPay or its licensors and are protected by applicable copyright, trademark, patent, and trade secret laws. You may not copy, reproduce, modify, distribute, transmit, display, create derivative works from, sell, license, or otherwise exploit any content or materials from the Services without our express prior written consent.
14. Third-Party Links and Interactions
The Services may contain links to third-party websites, services, or resources that are not owned or controlled by HaulPay. We are not responsible for and do not endorse the content, products, or practices of any third-party site. Your interactions with any third party, including the purchase of goods or services, are solely between you and that third party, and HaulPay disclaims all liability arising from such interactions.
15. Modifications to Services
We reserve the right to modify, suspend, or discontinue any part of the Services at any time, with or without notice. We may also impose limits or restrictions on certain features or restrict your access to parts or all of the Services. We are not liable to you or any third party for any modification, suspension, or discontinuance of any Service or feature.
16. Termination
By HaulPay. We may suspend or terminate your account and access to the Services at any time, with or without cause or notice, including but not limited to the following reasons:
- Breach or violation of these Terms or any supplemental agreement
- Request by law enforcement or other government authority
- Discontinuance or material modification of the Services
- Security concerns or fraudulent activity
- Extended periods of inactivity
- Non-payment of fees owed
By You. You may terminate your account at any time by contacting support@haulpay.io or through your account settings.
Effect of Termination. Upon termination, your right to access the Services ceases immediately. We may delete your account data, including passwords, content, and associated files. Termination does not relieve you of any obligation to pay fees incurred prior to termination. Any provisions of these Terms that by their nature should survive termination (including Sections 17–23) will survive.
17. Disclaimers
THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH ALL FAULTS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, HAULPAY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
Without limiting the foregoing, HaulPay does not warrant that the Services will be uninterrupted, error-free, secure, or free of viruses or other harmful components, or that any data or content will be accurate or reliable. HaulPay does not act as a Broker, Carrier, Shipper, or owner-operator, and does not arrange freight, handle cargo, or serve as an agent or employee of any User.
18. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL HAULPAY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, PARENTS, SUBSIDIARIES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF (OR INABILITY TO USE) THE SERVICES, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE), EVEN IF HAULPAY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE FULLEST EXTENT PERMITTED BY LAW, HAULPAY’S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU HAVE PAID TO HAULPAY IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).
NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY THAT CANNOT LAWFULLY BE EXCLUDED OR LIMITED, INCLUDING LIABILITY FOR FRAUD OR WILLFUL MISCONDUCT.
19. Indemnification
You agree to defend, indemnify, and hold harmless HaulPay and its officers, directors, employees, agents, parents, subsidiaries, affiliates, attorneys, and co-branders from and against any and all claims, actions, demands, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Services; (b) any content you submit, post, or transmit through the Services; (c) your violation of these Terms or any applicable law or regulation; or (d) your violation of any rights of a third party.
20. Dispute Resolution
Informal Resolution. Before initiating any formal proceeding, you agree to first contact us at support@haulpay.io and attempt in good faith to resolve the dispute informally for at least 30 days.
Governing Law. These Terms and any disputes arising out of or related to these Terms or the Services shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict-of-laws principles.
Jurisdiction and Venue. Any legal action or proceeding arising under or related to these Terms shall be brought exclusively in the state or federal courts located in Los Angeles County, California, and you consent to the personal jurisdiction of such courts.
No Class Actions. To the fullest extent permitted by law, all disputes must be brought in an individual capacity and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding.
Inter-User Disputes. If a dispute arises between Users, you must notify HaulPay within five (5) business days. You agree not to name HaulPay as a party in any legal dispute or action between Users and, to the extent permitted by law, you release HaulPay from all claims, demands, and damages arising from such disputes.
21. Electronic Communications and Consent
By using the Services, you consent to receive electronic communications from HaulPay. You agree that all agreements, notices, disclosures, and other communications that we provide electronically satisfy any legal requirement that such communications be in writing. You acknowledge that you must maintain access to email and the internet to use the Services, and that you are responsible for all associated costs (internet service, mobile data, etc.).
22. General Provisions
Entire Agreement. These Terms, together with the Privacy Policy and any applicable supplemental agreements, constitute the entire agreement between you and HaulPay concerning the Services and supersede all prior agreements, communications, and understandings.
Severability. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Waiver. The failure of HaulPay to exercise or enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
Assignment. You may not assign or transfer these Terms or any rights hereunder without our prior written consent. HaulPay may freely assign these Terms without restriction.
No Third-Party Beneficiaries. Except as otherwise expressly provided in these Terms, there are no third-party beneficiaries to this agreement.
No Agency. Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and HaulPay.
Force Majeure. HaulPay shall not be liable for any failure or delay in performance due to causes beyond its reasonable control, including but not limited to natural disasters, acts of government, internet or telecommunications failures, or cyberattacks.
23. Reporting Violations and Contact
Please report any violations of these Terms or concerns about content on the platform to support@haulpay.io.
For general questions, you may also reach us at:
Dakota Financial, LLC dba HaulPay
235 E. Broadway, Suite 325
Long Beach, CA 90802
888-633-5558 (Mon–Fri)
support@haulpay.io
Last Revised: April 20, 2026
