Legal

Terms of Use

Effective July 2026 · RateAnchor by Midnight Engine Labs LLC

The short version: RateAnchor is a decision-support tool, not a financial advisor. Your subscription is billed and managed through the App Store or Google Play. Your data stays on your device — and so does the responsibility for the loads you choose to haul.

1. Agreement

These Terms of Use ("Terms") are a legal agreement between you and Midnight Engine Labs LLC, a Florida limited liability company ("MEL," "we," "us"), governing your use of the RateAnchor mobile and web applications (the "App"). By downloading or using the App you agree to these Terms. If you do not agree, do not use the App.

2. License

We grant you a limited, personal, revocable, non-exclusive, non-transferable license to use the App on devices you own or control, for your own business or personal use, subject to these Terms and the usage rules of the app store from which you obtained it. You may not copy, modify, distribute, sell, lease, reverse-engineer, or attempt to extract the source code of the App, except where the law permits it despite this restriction.

3. Subscriptions, trials, and purchases

RateAnchor Pro is offered as an auto-renewing subscription (monthly or annual) and as a one-time Founding Operator lifetime purchase, each priced as shown in the App before purchase.
Billing. Payment is charged to your Apple Account or Google Play account at confirmation of purchase. All purchases are processed by Apple or Google — we never see or store your payment details.
Auto-renewal. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the current period ends, at the price shown when you subscribed (or as updated with notice per store rules).
Managing and canceling. Manage or cancel anytime in your device's account settings (App Store: Settings → your name → Subscriptions; Google Play: Menu → Payments & subscriptions). Deleting the App does not cancel a subscription.
Free trial. Where offered, a free trial converts to a paid subscription unless canceled at least 24 hours before the trial ends. Any unused portion of a free trial is forfeited if you purchase a subscription during the trial, where applicable under store rules.
Founding Operator is a one-time purchase granting Pro features for the supported lifetime of the App. It is not a promise of perpetual availability of any specific feature or of the App itself.
Refunds are handled by Apple or Google under their policies; we cannot issue store refunds directly.

4. Not professional advice

The App provides estimates and informational tools — break-even calculations, suggested rates, market references, risk indicators, and similar outputs — to help you make your own decisions. It is not financial, legal, tax, or investment advice, and no output is a guarantee of profitability, payment, or safety. You are solely responsible for the rates you accept, the loads you haul, and the parties you do business with.

5. Third-party data (FMCSA, EIA)

Some features retrieve public data from third parties — for example, broker registration records from the U.S. FMCSA registry and diesel prices from the U.S. EIA. This data is provided "as is": it may be delayed, incomplete, or inaccurate, and a favorable result is not a guarantee that a broker is legitimate or a load is safe. Always verify independently (including directly with FMCSA/SAFER) before doing business. We are not responsible for third-party data or for decisions made in reliance on it.

6. Your content (Broker Book and records)

Notes, ratings, job logs, and settings you create are stored on your device and are not transmitted to us. You are solely responsible for the content of your private notes and for complying with applicable law in what you record. Because we never receive this data, we cannot recover it if your device is lost or the App is deleted — back up your device if the records matter to you.

7. Acceptable use

You agree not to: (a) use the App for any unlawful purpose; (b) resell, redistribute, or provide the App's outputs as a competing service; (c) probe, overload, or interfere with the App or its lookup services; (d) misrepresent App outputs as statements or endorsements by MEL or any government agency.

8. Intellectual property

The App, including its software, design, brand, logo, and content (excluding your on-device content and third-party data), is owned by MEL and protected by law. "RateAnchor" and the anchor-road mark are trademarks of Midnight Engine Labs LLC. No rights are granted except the license in Section 2.

9. Disclaimer of warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY ESTIMATE OR DATA WILL BE ACCURATE OR CURRENT.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MEL WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST LOADS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING FROM OR RELATED TO THE APP. OUR TOTAL LIABILITY FOR ALL CLAIMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE APP IN THE 12 MONTHS BEFORE THE CLAIM OR (B) FIFTY U.S. DOLLARS ($50). Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

11. Termination

You may stop using the App at any time. We may suspend or terminate your license if you materially breach these Terms. Sections 4–10 and 12–15 survive termination.

12. Changes

We may update the App and these Terms. If changes are material, we will provide notice (for example, in the App or on rateanchor.app) before they take effect. Continued use after the effective date constitutes acceptance. The current Terms are always at https://rateanchor.app/terms.html.

13. Apple- and Google-specific terms

If you obtained the App from the Apple App Store: (a) these Terms are between you and MEL only — Apple is not a party and has no obligation to furnish maintenance or support; (b) Apple has no warranty obligation beyond, where applicable, refunding the purchase price; (c) Apple is not responsible for addressing claims relating to the App, including product liability, regulatory compliance, or IP claims; (d) you represent you are not located in a U.S.-embargoed country and are not on a U.S. Government prohibited-parties list; (e) Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you; (f) you must also comply with any applicable third-party terms (for example, your carrier agreement). If you obtained the App from Google Play, you must also comply with the Google Play Terms of Service.

14. Governing law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Exclusive venue for disputes is the state or federal courts located in Florida, and you consent to their jurisdiction. Nothing in this section overrides consumer protections that apply to you by law in your place of residence.

15. Contact

Midnight Engine Labs LLC — Florida, USA
Support: support@rateanchor.app · Privacy: privacy@rateanchor.app
Privacy Policy: https://rateanchor.app/privacy.html