Terms of Use
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 — it auto-renews until you cancel it there, and deleting the app does not cancel it. Your data stays on your device; we never receive it. Florida law and Florida courts govern, and nothing here takes away consumer rights the law gives you.
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.
You must be at least 18 years old, or the age of majority where you live, to purchase a subscription.
2. License
We grant you a personal, limited, non-exclusive, non-transferable, revocable license to use the App for your own business or personal use. You may not copy, modify, distribute, sell, lease, reverse-engineer, or extract the source code of the App except where the law permits it despite this restriction.
3. Subscriptions, trials, and purchases
Billing runs through the platforms. All purchases — the RateAnchor monthly subscription, the RateAnchor annual subscription, and the one-time Founding Operator purchase — are made through your Apple App Store or Google Play account and are governed by that platform's payment terms. We never see or store your payment details.
Auto-renewal. Paid subscriptions renew automatically at the end of each billing period, at the then-current price for your plan, until you cancel. Your platform account is charged for renewal within 24 hours before the current period ends.
How to cancel. Cancel any time in your platform's subscription settings: on iPhone, Settings → your name → Subscriptions; on Android, Play Store → profile → Payments & subscriptions. Cancellation takes effect at the end of the current billing period, and you keep access until then. Deleting the App does not cancel a subscription.
Free trial. If a free trial is offered, it converts automatically to a paid subscription at the end of the trial unless you cancel at least 24 hours before the trial ends. Any unused trial period is forfeited when you purchase.
Refunds. Refunds are handled by Apple and Google under their policies; we cannot issue platform refunds directly. Request Apple refunds at reportaproblem.apple.com and Google Play refunds through your order history. Nothing in this section limits refund rights you have under applicable law.
Price changes. If we change subscription prices, the change applies to new subscribers, and to existing subscribers only prospectively, on renewal, after the advance notice the platforms require. Existing subscribers are never moved to a higher price without notice and the opportunity to cancel.
4. The Founding Operator offer
The "Founding Operator" purchase is a one-time payment of $149.99 (or the local equivalent set by the platform), available only to the first one hundred (100) purchasers across the Apple App Store and Google Play combined. When the cap is reached, the offer ends permanently. The cap is strictly enforced, and sales are recorded from the first purchase.
What you receive: for the lifetime of the App (defined below), all features of the then-current subscription tier without recurring charge, the founding badge in the App, and the founder support channel described in the App.
"Lifetime" defined. "Lifetime" means the period during which MEL (or a successor under this section) commercially offers the RateAnchor application with a paid membership tier. It refers to the life of the product — not the life of the purchaser, a device, or a platform account — and is not a promise that the App will exist for any minimum period.
Scope and transfer. The benefit attaches to the app-store account used for the purchase, follows that platform's family and device rules, and is otherwise non-transferable and non-resalable. It has no cash value and is not convertible to a refund or credit except as the platform's refund policies or applicable law require.
What it is not. The purchase is a consumer software license benefit. It is not an investment, security, or membership interest; it confers no governance rights and no rights to any product other than the App's paid membership tier.
Change of control. If the App is acquired or its operation is assumed by a successor, MEL will use commercially reasonable efforts to require the successor to honor Founding Operator benefits for as long as the successor offers the App with a paid tier.
Wind-down. If the App is permanently discontinued, Founding Operator benefits end with it. Where reasonably practicable, we will provide at least 90 days' advance notice of discontinuation.
If this section conflicts with anything else in these Terms regarding the Founding purchase, this section controls.
5. Not professional advice
The App provides estimates, calculations, market reference data, and educational content to support your own decisions. It is not financial, legal, tax, or investment advice, and it is not a guarantee of any rate, outcome, or profit. Quotes are built from figures you enter; their accuracy depends on your inputs. Market bands, diesel prices, weather, seasonal notes, and broker records are reference information that can be delayed, incomplete, or wrong at the source. You are solely responsible for the rates you accept, the loads you haul, and the parties you do business with.
Broker verification surfaces public FMCSA records and educational red-flag prompts. A clean result is not a guarantee that a party is legitimate, and a flag is not an accusation of wrongdoing — always verify directly. RateAnchor is not affiliated with or endorsed by FMCSA or any government agency. Midnight Engine Labs LLC is not a freight broker, dispatcher, or transportation intermediary: it does not arrange transportation, match carriers with shippers, negotiate on your behalf, or handle freight payments.
6. Third-party data and services
The App displays data derived from public and federal sources (including EIA, NWS/NOAA, FMCSA, USDA, and Census data) with attribution. These sources may change, lag, or become unavailable; we do not control them and are not responsible for their accuracy. Agency names are used for attribution only and imply no endorsement.
7. Your content and your device
Everything you enter or create in the App — costs, quotes, loads, lanes, your Broker Book, rate-con records, and settings — is stored on your device; we never receive it. Because we never have your data, we cannot recover it for you. The App includes a built-in Backup & restore feature (Books → Backup & restore) that saves everything to a file you control: use it, and keep a copy of the backup file somewhere other than your device. You are responsible for your backups; loss of a device, deletion of the App, or a failed restore from a bad file can permanently destroy data that exists nowhere else.
You retain all rights to your content. Because it never reaches us, we claim no license over it.
8. Acceptable use
You agree not to: use the App for any unlawful purpose; misrepresent App outputs as guarantees to third parties; attempt to probe, disrupt, overload, or gain unauthorized access to our services or data proxies; scrape or bulk-harvest our API endpoints; or use the App to harass, defame, or defraud anyone. We may suspend service delivery to abusive traffic sources.
9. Intellectual property
The App, including its software, design, text, graphics, and the RateAnchor name and anchor-road mark, is owned by MEL and protected by intellectual-property laws. "RateAnchor" is a trademark of Midnight Engine Labs LLC. Open-source components are used under their respective licenses, listed in the App's About screen.
10. Warranty disclaimer
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 DATA SOURCES WILL BE AVAILABLE OR ACCURATE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY EXCLUSIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
11. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, MEL WILL NOT BE LIABLE FOR 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 IN THE TWELVE (12) MONTHS BEFORE THE CLAIM AROSE OR (B) FIFTY U.S. DOLLARS ($50). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU; IN THAT CASE OUR LIABILITY IS LIMITED TO THE SMALLEST AMOUNT THE LAW ALLOWS.
12. Termination
You may stop using the App at any time (remember: deleting the App does not cancel a subscription — cancel in your platform settings). We may suspend or terminate access for material breach of these Terms. Sections that by their nature should survive (5, 7, 9, 10, 11, 15) survive termination. Founding Operator benefits are governed by Section 4, including on termination of these Terms for reasons other than your material breach.
13. Changes to these Terms
We may update these Terms. For material changes, we will give reasonable advance notice — in the App and on this page — before the new Terms take effect, and the "Effective" date above will change. Continuing to use the App after the effective date constitutes acceptance. Changes are prospective only.
14. Apple and Google terms
Purchases through the Apple App Store are also subject to Apple's Licensed Application End User License Agreement. Apple is not a party to these Terms and has no responsibility for the App, but Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you upon your acceptance. Purchases through Google Play are also subject to the Google Play Terms of Service. Where a platform's required terms conflict with these Terms, the platform's required terms control for purchases made there.
15. Governing law and disputes
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Any dispute arising from these Terms or the App that the parties cannot resolve informally will be brought exclusively in the state or federal courts located in Florida, and you consent to their jurisdiction and venue. Either party may bring a qualifying claim in small-claims court instead. Nothing in this section overrides consumer protections, including rights to bring claims in your local courts, that apply to you by law in your place of residence. Please contact us first — most issues can be resolved with an email.
16. Contact
Midnight Engine Labs LLC — Florida, USA
Support & privacy: hello@rateanchor.app
Privacy Policy: https://rateanchor.app/privacy.html