Terms of Use, Privacy Policy & Copyright Policy

PETRAFI PLATFORM TERMS OF USE

Effective Date: August 3^rd, 2026
Last Updated: August 3^rd, 2026

IMPORTANT NOTICES

READ CAREFULLY BEFORE USING THE PLATFORM.

These Terms of Use (the “Terms”) include:

• Binding arbitration and a class-action waiver (Section 15)
• Limitation of liability and “AS IS” disclaimers (Section 13)
• Indemnification obligations (Section 14)
• Trade-secret and confidentiality obligations (Section 8)

What Petrafi is (and is not).
Petrafi provides a B2B logistics technology platform and mobile applications that enable commercial users—transportation brokers, motor carriers/drivers, shippers/contractors/supervisors, insurance partners, and authorized financing sources—to connect, exchange information, manage documents, dispatch and track work, capture tickets, and (where separately enabled) coordinate payments and optional early-payment transactions. This is not a consumer retail website or online storefront terms-of-sale page.

Petrafi is not:

• a motor carrier;
• a freight broker or freight forwarder arranging transportation as principal;
• an insurance company or insurance agent (unless a separate licensed entity is expressly identified);
• a bank; or
• a money transmitter with respect to Platform use alone.

Transportation, insurance, and payment relationships are governed by separate contracts among the relevant parties. The Platform facilitates information exchange and workflows; it does not replace those contracts.

Optional programs.
Early Payment / factoring and similar financial products are voluntary, governed by separate documents (see Section 11), and are not required to use the Platform’s core features.

By accessing or using the Platform, clicking “I Agree,” creating an account, or authorizing another person to do so on your behalf, you agree to these Terms, the Privacy Policy, and the Copyright Policy.

1. DEFINITIONS

Term	Meaning
Broker	A transportation broker (or similar payor) that is a Platform tenant and arranges transportation for customers
Carrier	A motor carrier (including owner-operator) registered on the Platform
Shipper / Contractor	A customer, shipper, or jobsite contractor granted Platform access (directly or via a Broker)
User / you	Any person or entity that accesses the Platform, including Brokers, Carriers, Shippers/Contractors, financing sources, and their Authorized Users
Authorized User	An individual you authorize to access the Platform on your behalf
Governing Documents	These Terms; Privacy Policy; Copyright Policy; any role-specific agreement you accept; and any Early Payment or data-sharing agreements you enter
Platform Data	Data submitted to, generated by, or processed through the Platform
Ticket / Invoice Record	A Platform record of a load, ticket, delivery, invoice, or payable/receivable related to transportation services
Multi-Party Verification	Optional Platform workflows (e.g., geo, QR, photo ticket, contractor acceptance) by which Users confirm transaction facts
Early Payment Program or EPP	Optional program under which Petrafi (or an affiliate) may purchase eligible receivables / facilitate early payment under separate agreements

2. ACCEPTANCE; AUTHORITY; ELECTRONIC CONSENT

2.1 Acceptance

You accept these Terms by any of: (a) clicking “I Agree” or similar; (b) creating or accessing an account; (c) using the Platform; or (d) continuing use after posted updates.

2.2 Authority to Bind

If you use the Platform on behalf of a company or other entity, you represent that you have authority to bind that entity. The entity is the User; you are an Authorized User. Actions of Authorized Users bind the entity.

2.3 Attestations at Onboarding

When you enter a USDOT, MC, EIN, SSN (if sole prop), banking, insurance, or identity information, you represent that:

1. the information is true, complete, and correct;
2. you are the person or an authorized representative of the entity associated with that information;
3. you are not misusing another party’s operating authority; and
4. you will update information promptly when it changes.

2.4 Electronic Signatures

Electronic signatures, click-wrap, and Platform records have the same legal effect as wet-ink signatures under the ESIGN Act and applicable UETA statutes.

2.5 Age and Commercial Use

The Platform is for U.S. commercial users age 18+. It is not for consumers in a personal capacity.

3. WHAT THE PLATFORM DOES

3.1 Platform Role

The Platform may provide, as available:

• account registration and tenant administration;
• motor-carrier onboarding and document collection/repository;
• insurance referral workflows (e.g., to a licensed agency such as Emblem / Omni Trust Insurance LLC DBA Emblem);
• FMCSA/SAFER and similar public-data lookups to facilitate onboarding;
• sales proposals, dispatch, order management, and related Broker tools;
• ticket/invoice upload, storage, and (when enabled) Multi-Party Verification;
• messaging, notifications, and reporting;
• integration with third-party services (e.g., payment rails such as JPMorgan Concourse, email, mapping); and
• optional Early Payment Program workflows when separately enabled.

3.1A Organization and customer responsibilities

If you are a Broker, employer, or tenant admin, you agree that you will:

1. configure roles and permissions appropriately;
2. provide any legally required notices to drivers/workers about location tracking, cameras, monitoring, or document collection used in your operations;
3. have a lawful basis for requiring Platform features as a condition of work;
4. not use the Platform to violate labor, privacy, or transportation law; and
5. ensure only Authorized Users access your tenant.

Individual drivers/workers should direct workplace-policy questions to their Broker/employer. Platform account questions may be directed to Petrafi support.

3.1B Safe driving and device use

Do not use the Platform while driving. Pull over safely before interacting with apps, cameras, or tickets. Location, navigation, and dispatch tools are aids only and are not a substitute for safe, lawful vehicle operation. You are solely responsible for compliance with traffic and distracted-driving laws.

3.1C Device permissions

The apps may request location, camera, photos, notifications, and related permissions in context of a feature. You may deny permissions; related features may not work. Permission purpose strings in the OS must match the Privacy Policy.

3.2 Platform Is Not a Party to Transportation

Except as expressly stated in a separate written agreement signed by Petrafi:

• Brokers arrange transportation with Carriers under their own Broker–Motor Carrier (or similar) agreements;
• Shippers/Contractors contract with Brokers (or others) under their own commercial arrangements;
• Petrafi does not assume Carmack, broker, or carrier liability for cargo, accidents, delays, or transportation performance;
• selection, vetting, dispatch, and supervision of Carriers remain the Broker’s (or other contracting party’s) responsibility, except to the extent a separate written agreement says otherwise.

Ticketmaster / marketplace principle (incorporated): Petrafi identifies and provides a system for eligible parties to interact. Petrafi is neither the transportation broker of record for a load nor the motor carrier performing the haul solely by reason of Platform use.

3.3 Modules; Availability

Features may launch in phases. Petrafi may enable, disable, or modify modules. Optional modules (including EPP and contractor authentication) become binding only when:

1. Petrafi makes them available to you; and
2. you accept any additional terms required for that module.

Absence of a module does not make these Terms incomplete for core Platform use.

3.4 Third-Party Services

Payment processors, banks, insurers, agencies, mapping, SMS, and similar providers have their own terms. Where a provider requires User acceptance (e.g., payment onboarding), you must accept those terms. Petrafi is not responsible for third-party failures except to the extent caused by Petrafi’s gross negligence or willful misconduct.

4. ACCOUNTS; ROLES; DATA ACCESS

4.1 Registration

You must provide accurate registration information. Petrafi may require KYC/KYB, sanctions screening, tax forms, authority proof, insurance evidence, and other onboarding materials, and may approve, deny, suspend, or terminate access at its discretion for legitimate business, compliance, or risk reasons.

4.2 Credentials and Authorized Users

You must safeguard credentials. Organizational administrators must:

• designate Authorized Users and permission levels;
• remove access when personnel leave or change roles;
• ensure Authorized Users comply with the Governing Documents; and
• monitor for unauthorized use.

You are responsible for all activity under your accounts until you notify Petrafi of compromise and Petrafi has a reasonable opportunity to act.

4.3 Role-Based Access and Data Segregation

Access is limited to data and functions appropriate to your role and tenant relationships.

• Brokers generally see operational and compliance documents needed for dispatch and their contractual relationship with Carriers (e.g., SAFER, Sunbiz, COI, Broker–MC agreement, W-9, work-comp status as configured).
• Insurance-path documents collected solely to support a quote or policy with a licensed agency (e.g., CDL images, registrations, medical cards, underwriting packs) are held for the Carrier–agency relationship and must not be treated as Broker underwriting of the Carrier as if the Broker were the motor carrier, except as required by law or a written agreement.
• Carriers see their own files, loads, tickets, and payables information as configured.
• Shippers/Contractors see job, ticket, and delivery information relevant to their sites/orders.
• Petrafi may process Platform Data as described in the Privacy Policy and Section 9.

Users must not attempt to access data outside their authorized scope.

4.4 Payment Instructions

No change to payment or banking instructions is effective unless submitted through the Platform or verified under Petrafi’s then-current security procedures. Petrafi and payment partners may delay or reject changes pending verification.

5. USER OBLIGATIONS (ALL ROLES)

You agree to:

1. use the Platform only for lawful commercial purposes;
2. submit only true, complete, good-faith data (including tickets, invoices, COIs, PODs, and approvals);
3. maintain required licenses, authority, insurance, and safety qualifications applicable to your business;
4. comply with FMCSA, DOT, state, tax, employment, and other laws applicable to you;
5. keep your own books and records; you remain responsible for your compliance file even if documents are also stored on the Platform;
6. not treat the Platform as your sole system of record if law or prudent operations require independent retention;
7. notify Petrafi promptly of security incidents, unauthorized access, or material changes to authority/insurance/solvency; and
8. cooperate with reasonable audit and compliance requests related to Platform use.
9. DOCUMENTS; VERIFICATION; NO UNDERWRITING WARRANTY

6.1 Collection vs. Verification

Unless Petrafi expressly agrees in a signed writing to perform a paid verification service:

• Petrafi collects, stores, routes, and displays documents and data;
• Users (Broker, agency, Carrier, etc.) are responsible for reviewing and relying on documents;
• human “approve” actions on the Platform by a Broker or agency user are that party’s review, not Petrafi’s certification of accuracy.

6.2 Public Data Lookups

FMCSA/SAFER and similar lookups are convenience features based on third-party or public sources. Petrafi does not warrant completeness or currency of public databases.

6.3 Insurance Referrals

If you request insurance through a referral workflow, the insurance contract is between you and the licensed agency/carrier, not Petrafi. Petrafi is not your insurance agent solely by operating the Platform. Consumer-report / FCRA notices, if applicable, will be presented at the point of collection; adverse-action notices, if required, will be provided by the party making the adverse decision or as otherwise required by law.

6.4 Multi-Party Verification (When Enabled)

When enabled, Multi-Party Verification may create Platform records of acceptance (e.g., contractor sign-off on a ticket). Those records may be used by Brokers, Carriers, and (if applicable) EPP parties as evidence, but:

• Petrafi does not guarantee that any signature, geo-point, photo, or QR event is free from fraud;
• Users must maintain fallback procedures (including paper or dispatch approval) as their operations require;
• failure or unavailability of verification tools does not transfer transportation or payment obligations onto Petrafi as guarantor.

7. PROHIBITED CONDUCT

You may not:

• submit false, duplicate, previously paid, previously assigned, or fraudulent tickets, invoices, or identity data;
• share credentials or permit unauthorized access;
• scrape, reverse engineer, or attack the Platform;
• use the Platform for money laundering, sanctions evasion, bribery, or other crime;
• circumvent role-based access or security controls;
• use Confidential Platform Data or Trade Secrets to build a competing product or to poach relationships in violation of Section 8 and Section 16;
• misrepresent Petrafi as the carrier, broker of record, insurer, or guarantor of another party’s obligations.

8. CONFIDENTIALITY; TRADE SECRETS; IP

8.1 Confidentiality

Each User must keep non-public Platform information confidential and use it only to perform legitimate Platform-related business, except for information that is public, independently developed, or required to be disclosed by law (with notice where legally permitted).

8.2 Trade Secrets

Platform workflows, pricing/margin logic, verification methods, matching logic, source code, and non-public operational data are Petrafi trade secrets and confidential information protected under the Defend Trade Secrets Act and Florida law. Unauthorized use or disclosure may entitle Petrafi to injunctive relief without bond to the extent permitted by law.

DTSA immunity notice: An individual shall not be held criminally or civilly liable under any federal or state trade secret law for disclosure of a trade secret that is made in confidence to a government official or attorney solely for the purpose of reporting or investigating a suspected violation of law, or in a complaint or other document filed in a lawsuit or other proceeding under seal.

8.3 Intellectual Property

Petrafi and its licensors own the Platform, software, interfaces, documentation, trademarks, and related IP. Users receive a limited, revocable, non-transferable license to use the Platform as permitted by these Terms.

Users retain ownership of their pre-existing business records, subject to licenses granted to Petrafi and other Users as needed to operate the Platform and perform transactions.

8.4 Feedback

Feedback you provide may be used by Petrafi without restriction or compensation.

8.5 User Content License

You grant Petrafi a worldwide, non-exclusive license to host, process, transmit, display, and use content you upload as needed to provide the Platform, comply with law, prevent fraud, and as described in the Privacy Policy.

9. DATA; PRIVACY; SECURITY

9.1 Privacy Policy

The Privacy Policy (https://petrafi.com/privacy-policy or successor URL) is incorporated by reference.

9.2 Petrafi Data Rights

Petrafi may collect, use, and share Platform Data to operate, secure, and improve the Platform; perform onboarding and fraud prevention; support insurance referrals and (with appropriate agreements) underwriting analytics; enable optional financial products; comply with law; and create de-identified or aggregated insights.

9.3 User Security

Users must use reasonable safeguards for devices and credentials and notify Petrafi of Security Incidents as soon as practicable and no later than forty-eight (48) hours after discovery (security@petrafi.com), and cooperate in investigation and mitigation.

9.4 No Absolute Security

No system is perfectly secure. Petrafi implements commercially reasonable measures but does not guarantee absolute security.

9A. SMS, PUSH, AND ELECTRONIC COMMUNICATIONS

You consent to receive transactional and operational communications related to the Platform by email, SMS/text, push notification, and in-app message (e.g., invites, dispatch, document status, security alerts, funding notices). Message frequency varies. Carrier rates may apply.

Where required by law, we will obtain additional consent for marketing texts. You may opt out of marketing emails via unsubscribe. You may not fully opt out of transactional messages while using related features. For SMS, follow STOP/HELP instructions where provided for eligible message programs.

9B. INFORMATION SERVICES; MVR / CONSUMER REPORTS

If the Platform facilitates motor-vehicle records or consumer reports for insurance or compliance, that use is subject to applicable FCRA/DPPA notices and authorizations presented at collection (including the Fair Credit Disclosure & Authorization). Petrafi is a technology facilitator unless a separate writing states otherwise. The party that is the legal “user” of a consumer report (often a licensed agency or Broker) is responsible for required adverse-action notices. See Privacy Policy.

10. FEES (PLATFORM)

10.1 Platform Fees

Platform subscription, usage, or transaction fees (if any) will be disclosed in an order form, Broker Platform Agreement, fee schedule, or Platform notice. Unless stated otherwise, Platform fees are separate from any Early Payment discount or financing charge.

10.2 Independent Value of Platform Fees

Platform fees compensate Petrafi for software access, workflow tools, document repository, and related technology—not for the time value of money. Financing economics, if any, appear only under EPP or other financial agreements.

10.3 Taxes

You are responsible for taxes arising from your use of the Platform, excluding taxes on Petrafi’s net income.

11. OPTIONAL EARLY PAYMENT / FINANCIAL PRODUCTS

11.1 Separate Documents Control

If you participate in the Early Payment Program or any factoring, receivables purchase, or similar product:

• Carriers accept the Early Payment Program — Carrier Terms of Use and any per-transaction Acceptance & Assignment;
• Brokers execute the Early Payment Program — Broker Agreement (or equivalent);
• economics (discounts, maturity, fees) appear on Platform Economics Schedules or fee exhibits.

11.2 Not Required for Core Use

You may use onboarding, dispatch, document tools, and related features without enrolling in EPP.

11.3 Payment Rails

Where payments are processed through a bank partner (e.g., JPMorgan Concourse), the bank’s onboarding and account terms apply to payment setup. Petrafi’s role is facilitation per the applicable financial agreements—not a guarantee that any third party will fund or pay.

11.4 Terminology

The Platform may display a ticket ledger, earnings summary, or payables view. That display is an information tool, not a stored-value account, digital wallet, or deposit product, unless a separate licensed product is expressly offered in writing.

12. INSURANCE (USER REQUIREMENTS — SUMMARY)

Carriers and Brokers must maintain insurance required by law and by their transportation agreements. Minimums for a given Broker relationship are set in the Broker–Motor Carrier Agreement and any insurance authorization forms—not solely in these Terms.

Petrafi may require evidence of insurance for Platform participation and may suspend Users who lack required coverage. Naming Petrafi as additional insured or loss payee, if required, will be specified in the applicable transportation or EPP documents.

13. DISCLAIMERS; LIMITATION OF LIABILITY

13.1 AS IS

THE PLATFORM AND ALL SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OR ERROR-FREE OPERATION.

13.2 No Warranty of Other Users

Petrafi does not warrant that any User has valid authority or insurance, will perform, or that User-submitted data is accurate. You rely on other Users and third parties at your own risk.

13.3 Excluded Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PETRAFI IS NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, GOODWILL, OR DATA; BUSINESS INTERRUPTION; USER NON-PAYMENT OR NON-PERFORMANCE; CARGO LOSS; PERSONAL INJURY ARISING FROM TRANSPORTATION OPERATIONS; OR THIRD-PARTY SERVICE FAILURES—EVEN IF ADVISED OF THE POSSIBILITY.

13.4 Liability Cap

Except for the carve-outs in Section 13.5, Petrafi’s total aggregate liability arising out of or related to the Platform or these Terms shall not exceed the greater of: (a) USD $5,000; or (b) the total Platform fees (excluding pass-through amounts and Early Payment discounts) actually paid by the claiming User to Petrafi in the twelve (12) months before the claim.

13.5 Carve-Outs

Nothing in these Terms limits liability for: Petrafi’s fraud, willful misconduct, or gross negligence; liability that cannot be limited by law; or a User’s indemnification obligations.

13.6 Allocation of Risk

These limitations are a fundamental basis of the bargain and apply regardless of theory of liability.

14. INDEMNIFICATION

You will defend, indemnify, and hold harmless Petrafi and its officers, directors, employees, agents, and affiliates from and against claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:

1. your use of the Platform;
2. your transportation, brokerage, shipping, or employment operations;
3. your breach of the Governing Documents;
4. your violation of law or third-party rights;
5. inaccurate or fraudulent data, tickets, invoices, or documents you submit or approve;
6. disputes between you and other Users; and
7. injury, death, or property damage related to your operations.

Indemnification is not subject to the liability cap in Section 13.4.

15. DISPUTE RESOLUTION

15.1 Informal Resolution

Before formal proceedings, the parties will attempt in good faith to resolve disputes for thirty (30) days after written notice to legal@petrafi.com (or the address in Section 19).

15.2 Binding Arbitration

Except for Excluded Disputes (Section 15.3), disputes will be resolved by binding arbitration administered by the AAA under its Commercial Arbitration Rules, in Miami-Dade County, Florida, before a single arbitrator (or three if the amount in controversy exceeds $1,000,000). The Federal Arbitration Act governs. Florida substantive law applies (without conflict-of-laws rules). Judgment on the award may be entered in any court of competent jurisdiction.

15.3 Excluded Disputes

The following may be brought in court: (a) IP and trade-secret claims; (b) requests for temporary or preliminary injunctive relief; (c) collection actions on amounts owed to Petrafi under financial agreements (Petrafi election); and (d) small-claims matters within jurisdictional limits.

15.4 Class Action Waiver

YOU AND PETRAFI WAIVE ANY RIGHT TO PARTICIPATE IN CLASS, COLLECTIVE, OR REPRESENTATIVE ACTIONS. Claims must be brought only in an individual capacity.

15.5 Jury Waiver

YOU AND PETRAFI WAIVE ANY RIGHT TO A JURY TRIAL to the extent permitted by law.

15.6 Limitation Period

Except for indemnification, trade-secret, and collection claims, claims must be filed within one (1) year after they accrue.

16. NON-CIRCUMVENTION (LIMITED)

During the term of your Platform relationship and for twelve (12) months thereafter, you will not use Confidential Platform Data or Trade Secrets obtained through the Platform to bypass Petrafi for the primary purpose of avoiding Platform fees on relationships that were first introduced through the Platform, except for relationships you demonstrably had before using the Platform or that arise independently without use of Petrafi confidential information. This Section does not restrict ordinary competition using public information or pre-existing relationships.

17. TERM; SUSPENSION; TERMINATION; DELETION

17.1 Suspension and termination

Petrafi may suspend or terminate access immediately for breach, legal risk, fraud indicators, non-payment, extended inactivity, or protection of the Platform or other Users. You may stop using the Platform at any time. Provisions that by nature should survive (including IP, confidentiality, disclaimers, liability limits, indemnity, and dispute resolution) survive termination.

17.2 Data export

Upon written request within thirty (30) days after termination of a Broker tenant relationship, Petrafi will provide a commercially reasonable export of that tenant’s operational data (excluding other tenants’ data and Petrafi Trade Secrets), subject to fees for extraordinary effort.

17.3 Account deletion

Individual users may request account deletion via https://www.petrafi.com/user-account-deletion-request or in-app controls (as available for Driver, Supervisor, and portal apps). Org-owned seats may require admin action. Petrafi may retain information as required by law, disputes, tax, security, or Early Payment records, as described in the Privacy Policy.

18. MOBILE APPLICATION; APP STORES

18.1 License

Subject to these Terms, Petrafi grants you a limited, non-exclusive, non-transferable, revocable license to install and use the mobile applications on devices you own or control, solely for commercial use consistent with these Terms and any applicable app-store rules.

18.2 Apple App Store

If you download an app from Apple’s App Store: (a) these Terms are between you and Petrafi, not Apple; (b) Apple has no obligation to furnish maintenance or support; (c) to the maximum extent permitted by law, Apple has no warranty obligation regarding the app; (d) Apple is not responsible for addressing claims relating to the app (product liability, legal/regulatory, consumer protection, IP infringement) as between you and Petrafi; (e) you represent you are not in a U.S.-embargoed country and not on a U.S. prohibited-party list; (f) Apple and Apple’s subsidiaries are third-party beneficiaries of this Section 18.2 and may enforce it against you; (g) you must comply with applicable third-party terms when using the app.

18.3 Google Play

If you download an app from Google Play, you also comply with Google’s terms. Google is not a party to these Terms and has no obligation to provide support or warranties for the app as between you and Petrafi.

18.4 Permissions, offline, charges

Location, camera, and notification permissions are described at runtime and in the Privacy Policy. Offline use is at your risk. Mobile carrier data charges are yours. App providers have no warranty obligations to you regarding the app except as required by mandatory law.

18.5 Location accuracy

GPS, ETA, geofence, and map data are informational only and may be inaccurate or unavailable. Multi-party verification (photo, QR, geo) aids evidence but is not warranted as fraud-proof.

19. GENERAL

Topic	Rule
Entire agreement	These Terms + Governing Documents are the entire agreement regarding Platform access
Amendments	Petrafi may update Terms by posting; material adverse changes will be notified via Platform or email when reasonably feasible; continued use = acceptance
Assignment	You may not assign without Petrafi’s consent; Petrafi may assign to affiliates or successors
Severability	Invalid terms reformed or severed; remainder continues
Independent contractors	No partnership, joint venture, or employment created by Platform use alone
Force majeure	Neither party liable for excusable delays beyond reasonable control
Governing law	Florida law (and applicable federal law)
Notices	To Petrafi: legal@petrafi.com; Petrafi Inc., 10740 NW 89th Ave, Hialeah Gardens, FL 33018. To you: email or address on file
Export / sanctions	You are not a prohibited party and will not use the Platform in violation of U.S. sanctions or export laws
Third-party beneficiaries	Petrafi indemnitees (indemnity); Apple (Section 18.2)

20. CONTACT

Petrafi Inc.
10740 NW 89th Ave, Hialeah Gardens, FL 33018
Phone: (833) 727-3773
General: info@petrafi.com | Support: support@petrafi.com
Legal: legal@petrafi.com | Privacy: privacy@petrafi.com | Security: security@petrafi.com

ACCEPTANCE

BY CLICKING “I AGREE” OR USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THESE TERMS, AGREE TO ARBITRATION AND CLASS-ACTION WAIVER, AND UNDERSTAND THAT EARLY PAYMENT / FACTORING REQUIRES SEPARATE ACCEPTANCE IF AND WHEN YOU ENROLL.

IF YOU DO NOT AGREE, DO NOT USE THE PLATFORM.

 

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PETRAFI PRIVACY POLICY

Effective Date: August 3^rd, 2026
Last Updated: August 3^rd, 2026

This Privacy Policy describes how we collect, use, disclose, and protect information when you use our B2B logistics technology Platform, including:

Surface	Examples
Website	www.petrafi.com marketing and login pages
Broker portal	Tenant admin, dispatch, onboarding, proposals
Carrier / Driver app	Mobile and web tools for motor carriers and drivers
Supervisor / Contractor portal	Jobsite ticket acceptance, visibility (when enabled)
APIs / integrations	Partner and payment connections

By using the Platform, you acknowledge this Policy. If you do not agree, do not use the Platform.

Related: Platform Terms of Use · Copyright Policy · Account deletion: https://www.petrafi.com/user-account-deletion-request (or successor)

1. WHO THIS POLICY IS FOR (ROLE SECTIONS)

1.1 If you are a Driver or Carrier user

We collect account, compliance documents, tickets/photos, device data, and—when you enable features—location related to dispatch and ticket authentication. Your Broker (e.g., Allied) and, if you request insurance, licensed agencies may see data needed for their role. For workplace tracking rules set by your Broker/employer, contact your Broker/employer. For Platform account access and deletion, contact us (Section 16).

1.2 If you are a Broker admin, dispatcher, or salesperson

We collect your business account data and process Carrier and job data you and your team enter. You are responsible for configuring roles and for notifying your drivers/workers about location and monitoring used in your operations (see Platform Terms — org responsibilities).

1.3 If you are a Shipper, Contractor, or site supervisor

We collect your account data and job/ticket data you submit or approve. You may see limited status or ETA information for loads on your jobs—not unrestricted surveillance of drivers—according to product configuration.

1.4 If you are a Website visitor

We collect device/usage data and cookies as described in Section 12. Marketing cookies (if any) are website-focused; the Driver app is not an ad-tech product.

1.5 Controller vs. employer / Broker (Raken-style hard line)

• Petrafi is the business that operates the Platform and is controller/business for: Platform accounts, security, billing to tenants, product analytics, fraud prevention, and our own legal compliance.
• Your Broker or employer typically decides how operational workforce data is used for their transportation business (who is dispatched, workplace policies, employment-related decisions). Questions about why your employer requires tracking or document upload for work should go to them.
• Petrafi may process operational data to provide the Platform under our Terms, Privacy Policy, and customer agreements (including as a service provider/processor for specific customer-controlled purposes when a DPA applies).

2. INFORMATION WE COLLECT

2.1 Categories

Category	Examples
Identifiers	Name, email, phone, user ID, postal address, company, role
Account	Credentials, SSO, org membership, permissions, invite tokens
Business / regulatory IDs	USDOT, MC, EIN/FEIN, authority docs
Location	Precise GPS, route history, geofence enter/exit, approximate location (see Section 4)
Operational logistics	Jobs, loads, dispatch, orders, proposals, tickets, tokens, ratings, status
User content / job artifacts	Ticket photos, e-tickets, inspection or accident photos, dispute text, QR/auth events, uploaded PDFs/images
Compliance documents	CDL, medical card, registration, COI, W-9, work-comp, Sunbiz, exemptions
Communications	SMS dispatch logs, push tokens/messages, email, in-app and support messages
Device / diagnostics	OS, app version, device IDs, crash logs, IP, performance logs
Commercial / billing	Subscription plan, invoices to tenants, limited billing metadata
Financial (limited)	Bank account via payment partner where used; masked account indicators; EPP economics metadata
Compliance reports (if authorized)	MVR-related or consumer-report data via providers under notice/auth (doc 11 / FCRA path)
Public / third-party	FMCSA/SAFER and similar public data; insurer/agency feedback

2.2 Sensitive information (as applicable)

Government ID numbers, SSN (sole props), precise geolocation, financial account numbers, and (if collected) medical certification or drug/alcohol program data for transportation compliance. Collected only as needed for Platform functions, legal compliance, insurance referral, or products you request.

2.3 Sources

You; your organization/admin; other Users on a transaction; public databases; service providers (hosting, KYC, messaging); payment partners; insurance/safety partners under agreements; devices and cookies.

3. HOW WE USE INFORMATION
4. Provide, secure, and improve the Platform and apps
5. Create and administer accounts and role-based access
6. Onboarding, document repository, dispatch, proposals, tickets
7. Fraud prevention, security, sanctions/KYC screening
8. Insurance referral workflows with licensed agencies
9. Optional Early Payment / receivables products under separate terms
10. Communications (transactional dispatch, doc status, funding, support)
11. Analytics, product development, de-identified benchmarking
12. Enforce Terms, prevent abuse, protect rights and safety
13. Comply with law, audits, legal process

We do not sell personal information for money. We do not share personal information for cross-context behavioral advertising unless we update this Policy and provide required opt-outs. The Driver app is operated as a business operations tool, not an advertising graph.

4. LOCATION AND TRACKING (DEDICATED)

4.1 When we collect location

Depending on features you or your organization enable:

Mode	When	Typical purpose
Foreground	App open during dispatch, navigation, or ticket capture	Show assignment context; support ticket auth
Geofence events	Enter/exit jobsite or quarry geofence (if configured)	Ticket authentication; dispute support
Background	Only if a feature requires it and you grant OS permission after in-app disclosure	Continuous dispatch visibility or safety program features if product enables them

Product must match this Policy. If background location is not shipped, remove that row before publish.

4.2 Who can see location-related data

Viewer	Typical access
You (driver/carrier)	Your own location history as shown in-app
Broker dispatch / admin	Location or status for loads they dispatched (tenant rules)
Shipper / contractor	Often ETA or status only—not full raw track—per configuration (align with product liability choice)
Insurance / RSRM	Not live track by default; operational/telematics metrics only under DSA and program rules
Petrafi support/security	Limited access for support, fraud, security
Public	No

4.3 Org-mandated tracking

Your Broker or employer may require location or camera features as a condition of work or insurance program participation. That workplace requirement is between you and them. Disabling location may limit dispatch, ticket, or program features.

4.4 Maps and third parties

Map SDKs (e.g., Google/Apple Maps) process location under their terms. See Section 7.

5. JOB / MULTI-PARTY SHARING MATRIX

Illustrative default design (tenant configuration may narrow further):

Data	Carrier / Driver	Broker dispatch	Broker admin	Shipper / contractor	Emblem / insurer	Payment partner	Petrafi ops
Live / recent GPS	Self	If on their dispatch	Limited	ETA/status only*	No*	No	Support/security
Ticket photo / e-ticket	Self	Yes	Yes	If job party	No*	No	Support
Dispatch COI pack (SAFER, Sunbiz, COI, BMC)	Self	Yes	Yes	No	As needed	No	Yes
Insurance underwriting pack (CDL, reg, medical, etc.)	Self	No (segregated)	No*	No	Yes (path)	No	Limited
Bank account	Self / partner	No	Billing role only if any	No	No	Yes	Limited
MVR / consumer report	Via notice	No*	No*	No	Yes if underwriting	No	Facilitator only

*Confirm against final product rules before publish. Underwriting pack segregation is intentional platform strategy (reduce broker-as-carrier liability).

6. PHOTOS, TICKETS, INSPECTIONS, DISPUTES

We treat operational content as a first-class category:

• Paper ticket photos and digital tickets
• Proof-of-delivery / contractor acceptance artifacts
• Inspection, accident, or incident images and notes
• Dispute narratives and supporting files
• QR / geo / multi-party verification events

Purposes: perform and document work; Broker/Carrier settlement; claims and insurance programs; fraud prevention; dispute resolution; legal compliance.
Retention: generally at least four (4) years for transaction/ticket records, longer if law, claim, audit, or EPP requires.

7. HOW WE SHARE INFORMATION

Recipient	Purpose
Other Users on your job/tenant chain	Role-based operational need (Section 5)
Service providers	Hosting, email/SMS, analytics, KYC, support (confidentiality obligations)
Payment partners / banks	Account setup and payments (e.g., JPMorgan Concourse when used)
Licensed insurance agencies / affiliates	Quotes, underwriting support, program admin when you request or enroll
Safety / risk partners (e.g., RSRM)	Under Data Sharing Agreements for program risk/safety
Professional advisors	Legal, accounting, auditors, insurers
Authorities	Law, court order, safety/rights protection
Corporate transactions	Merger, financing, sale of assets
With your direction	As you or your admin request

8. COMMUNICATIONS (SMS, PUSH, EMAIL, IN-APP)

Channel	Typical use
SMS / text	Dispatch, invite links, document reject/approve, security codes
Push	Load offers, status, ticket reminders
Email	Account, legal notices, operational alerts, limited marketing
In-app	Workflow messages and support

• Transactional / operational messages are part of the service; you may not fully opt out while using related features.
• Marketing emails: unsubscribe link.
• Message frequency varies with activity. Carrier message/data rates may apply.
• Consent for automated SMS may be collected at signup or feature enable; reply STOP where offered for marketing or non-essential programs as required by law.

9. PAYMENTS AND PROCESSORS

Bank and card data are primarily handled by payment partners. We receive limited metadata (status, last4, tokens, funding state). Early Payment economics appear under separate EPP terms. Ticket ledgers are information tools, not stored-value wallets.

10. MVR / COMPLIANCE REPORTS

If MVRs or consumer reports are obtained for insurance or compliance:

• Notice and authorization are provided (see Fair Credit Disclosure & Authorization).
• Purpose limitation applies (e.g., insurance underwriting vs employment—as disclosed at collection).
• The Entity that is the user of the report (often Emblem/RSRM/Broker) is responsible for legally required adverse-action notices unless a written agreement says otherwise.
• Petrafi may facilitate collection/storage on the Platform without becoming a consumer reporting agency solely by hosting.

11. COOKIES AND WEBSITE TRACKING

Website may use cookies for auth, preferences, security, and analytics. Control via browser settings; some features may break if disabled. App operational tracking is not the same as website marketing cookies. Cookie banner (if used) is for website visitors.

12. RETENTION

Type	Typical period
Account data	Life of account + commercially reasonable period
Tickets / transactions / financial	At least 4 years (or longer if law/dispute/EPP)
Security logs	As needed for security and fraud
Marketing prefs	Until changed or account closed

We delete or de-identify when no longer needed, subject to legal holds and backups.

13. SECURITY

Commercially reasonable administrative, technical, and physical safeguards (encryption in transit, access controls, monitoring). No system is 100% secure. Report issues: security@petrafi.com.

Florida: Breach notification consistent with Fla. Stat. § 501.171 when applicable.

14. YOUR CHOICES AND RIGHTS

14.1 Account and deletion

• Update profile in-app or via support.
• Account deletion: use https://www.petrafi.com/user-account-deletion-request or in-app link (covers Driver app, Supervisor app, and portal accounts as labeled).
• Org-owned seats: your admin may control access; we may need admin confirmation to delete or anonymize org-linked operational records.
• We may retain records required for law, disputes, EPP, tax, and security.

14.2 Location / camera / notifications

Controlled in device OS settings and in-app permissions. Deny = limited features.

14.3 State privacy rights

Depending on your state (CA, CO, CT, VA, UT, and others), you may have rights to access, correct, delete, port, or opt out of certain processing. Email privacy@petrafi.com. We verify requests as required. No discrimination for exercising rights.

California Shine the Light / Nevada do-not-sell requests: privacy@petrafi.com (we do not sell personal information for money).

14.4 Employer questions

Workplace monitoring, dispatch rules, and employment decisions → your Broker/employer.

15. CHILDREN

Platform is for commercial users 18+. We do not knowingly collect personal information from children under 13 (or under 16 where required). Contact privacy@petrafi.com for deletion requests if you believe we collected such data.

16. INTERNATIONAL

U.S.-based Platform. Access from outside the U.S. is at your risk; you consent to U.S. processing. We do not currently market multi-country consumer services; regional addenda may be added if we expand.

17. CHANGES

We post updates with a new Last Updated date. Material changes: Platform notice or email when reasonably feasible. Continued use after effective date constitutes acceptance.

18. CONTACT

Privacy	privacy@petrafi.com
Security	security@petrafi.com
Support	support@petrafi.com
Mail	Petrafi Inc., 10740 NW 89th Ave, Hialeah Gardens, FL 33018
Phone	(833) 727-3773 or +1 (305) 930-8254

 

____________________________________________________________________________________________________________________________________

 

PETRAFI COPYRIGHT POLICY (DMCA)

Effective Date: August 3^rd, 2026

We respect intellectual property rights and respond to notices of alleged copyright infringement that comply with the Digital Millennium Copyright Act, 17 U.S.C. § 512 (“DMCA”).

1. REPORTING COPYRIGHT INFRINGEMENT

If you believe material on the Platform (website or mobile application) infringes your copyright, send a written DMCA Notice to our designated Copyright Agent including:

1. Your physical or electronic signature;
2. Identification of the copyrighted work claimed to be infringed (or a representative list if multiple works);
3. Identification of the material claimed to be infringing, with information reasonably sufficient to locate it;
4. Your name, postal address, telephone number, and email address;
5. A statement that you have a good-faith belief that use of the material is not authorized by the copyright owner, its agent, or the law;
6. A statement that the information in the notice is accurate; and
7. A statement, under penalty of perjury, that you are authorized to act on behalf of the owner.

Copyright Agent:
Sanchelima & Associates, P.A.
235 SW 42nd Ave

Coral Gables, FL 33134

Email: chris@sanchelima.com

Incomplete notices may be ineffective under 17 U.S.C. § 512(c)(3).

Misrepresentation warning: Knowingly materially misrepresenting that material is infringing may expose you to liability for damages, including costs and attorneys’ fees.

2. COUNTER-NOTIFICATION

If your material was removed or disabled and you believe that was a mistake or misidentification, you may send a Counter Notice to the Copyright Agent including:

8. Your physical or electronic signature;
9. Identification of the material removed or disabled and where it appeared before removal;
10. Your name, address, telephone number, and email;
11. A statement under penalty of perjury that you have a good-faith belief the material was removed or disabled as a result of mistake or misidentification;
12. A statement that you consent to the jurisdiction of the Federal District Court for the district where your address is located (or any district where the Platform may be found if outside the U.S.), and that you will accept service from the person who provided the original DMCA Notice.

If the original complainant does not file a court action within the statutory period after we provide the Counter Notice, we may restore the material in accordance with the DMCA.

3. REPEAT INFRINGERS

In appropriate circumstances, we disable or terminate accounts of users who are repeat infringers.

4. DISCLAIMER

The Company is not responsible or liable to third parties for the content or accuracy of materials posted by users of the Platform, including alleged copyright infringement by users, except as required by the DMCA or other applicable law.