Terms of Service
Motor Carrier Safety and Insurance Services LLC
Effective Date: May 16, 2026
Related documents incorporated by reference: Privacy Policy, Data Processing Addendum, Acceptable Use Policy, and AI and Data Use Disclosure.
1. Agreement to Terms
These Terms of Service govern access to and use of the Platform provided by Motor Carrier Safety and Insurance Services LLC, a Texas company.
By creating an account, accessing the Platform, using any report, data, score, alert, analysis, underwriting suggestion, AI-generated output, or other Platform feature, you agree to be bound by these Terms.
If you are using the Platform on behalf of a company, agency, insurer, MGA, wholesaler, broker, logistics company, freight broker, 3PL, freight forwarder, fleet, or other organization, you represent that you have authority to bind that organization to these Terms. In that case, Customer, you, and your refer to that organization and its authorized users.
If you do not agree to these Terms, you may not access or use the Platform.
2. Platform Description
The Platform provides commercial auto, motor carrier, fleet, logistics, insurance, safety, and underwriting-related information, analytics, reports, summaries, alerts, monitoring, scoring, benchmarking, AI-generated observations, and decision-support tools.
The Platform does not bind insurance coverage, issue insurance policies, provide quotes, make final underwriting decisions, provide legal advice, provide insurance advice, provide compliance advice, or guarantee regulatory compliance, profitability, eligibility, acceptability, safety performance, or underwriting outcome.
DOT lookup and monitoring
Motor carrier safety summaries
Inspection, crash, violation, and enforcement information
Licensing and authority information
CSA/SMS-style information and analysis
Commercial auto underwriting suggestions
Carrier risk indicators
Portfolio monitoring
Safety alerts
Renewal monitoring
AI-generated risk notes
Account summaries
Document upload and storage
Loss run and insurance document review
Driver, vehicle, fleet, and motor carrier data review
Proprietary scoring and benchmarking
Third-party data integrations
Public data aggregation
User-uploaded data analysis
Sales, reporting, and export tools
3. B2B and Professional Use
The Platform is primarily intended for business, commercial, professional, insurance, logistics, underwriting, safety, and risk-management use.
Authorized users may include insurance carriers, MGAs, wholesalers, retail insurance agents, underwriters, producers, fleet owners, freight brokers, 3PL companies, freight forwarders, logistics companies, safety consultants, private equity users, lenders, investors, and other parties concerned with commercial auto risk or motor carrier performance.
The Platform is not intended for personal, household, consumer, minor, employment screening, tenant screening, consumer credit, or consumer insurance eligibility use unless expressly authorized in writing by Motor Carrier Safety and Insurance Services LLC.
4. Accounts and Administrative Control
Customers may create accounts and assign internal roles and permissions. Only the Customer’s designated administrator may invite users, assign permissions, manage user access, and control the Customer account.
Customer is responsible for maintaining accurate account information, managing authorized users, removing users who no longer require access, protecting credentials, all activity under Customer accounts, user compliance, and appropriate internal controls before relying on Platform outputs.
Motor Carrier Safety and Insurance Services LLC may suspend or terminate any user or account if it believes the account is being misused, compromised, used unlawfully, used in violation of these Terms, or creates risk to the Platform, Company, other users, data sources, or third parties.
5. No Underwriting Decision-Making by the Platform
The Platform provides information and underwriting suggestions only. The Platform does not make final underwriting decisions.
Customer remains solely responsible for evaluating risk, reviewing source data, confirming accuracy, applying underwriting guidelines, complying with applicable laws, and making final underwriting, pricing, eligibility, appointment, renewal, declination, compliance, operational, or business decisions.
Customer agrees that any underwriting suggestion, score, alert, flag, summary, AI output, benchmark, or risk indicator is informational and should be reviewed by qualified personnel before use.
6. No Legal, Insurance, Compliance, Financial, or Professional Advice
The Platform does not provide legal advice, insurance advice, regulatory advice, compliance advice, financial advice, actuarial advice, or professional consulting advice.
Any reports, explanations, scores, summaries, recommendations, alerts, or AI-generated materials are for informational and internal business decision-support purposes only.
Customer should consult appropriate licensed professionals, legal counsel, compliance personnel, insurance professionals, or regulatory specialists before taking action.
7. Data Sources and Data Limitations
The Platform may use public, private, governmental, user-submitted, third-party, proprietary, derived, inferred, and AI-generated data sources, including carrier authority, insurance, inspection, violation, crash, enforcement, uploaded, vendor, proprietary scoring, and AI-generated records, summaries, and analysis.
Customer acknowledges that data may be incomplete, delayed, inaccurate, outdated, changed, misclassified, unavailable, or subject to correction.
Motor Carrier Safety and Insurance Services LLC does not guarantee that any data, report, alert, score, output, or summary is complete, accurate, current, suitable, reliable, or error-free. Customer is solely responsible for verifying all information before relying on it.
8. AI-Generated Outputs
The Platform may use artificial intelligence, machine learning, automation, natural language processing, rules engines, data extraction, classification systems, scoring tools, or third-party AI providers.
AI-generated outputs may include account summaries, underwriting notes, risk explanations, risk scores, suggested actions, document summaries, safety observations, trend analysis, benchmarking, carrier comparisons, or other outputs.
Customer acknowledges and agrees that AI outputs may be inaccurate, may omit relevant facts, may misinterpret data, may contain outdated information, may produce incomplete or incorrect conclusions, may reflect limitations in source data, and must be reviewed by qualified human personnel before use.
Customer may not rely solely on AI-generated outputs to make final underwriting, pricing, eligibility, compliance, regulatory, financial, safety, legal, or business decisions.
9. Customer Data
Customer Data means information, records, documents, files, text, spreadsheets, data, notes, reports, applications, loss runs, insurance records, driver information, vehicle information, motor carrier information, safety data, account lists, agency data, customer lists, and other materials submitted, uploaded, transmitted, imported, or otherwise provided to the Platform by Customer or its users.
Customer represents and warrants that it has all rights, permissions, notices, consents, authorizations, and legal bases required to provide Customer Data to the Platform and allow Motor Carrier Safety and Insurance Services LLC to process, use, analyze, store, retain, disclose, transform, and derive insights from Customer Data as described in these Terms and the Privacy Policy.
10. Company Use of Customer Data
Customer grants Motor Carrier Safety and Insurance Services LLC and its affiliates, subsidiaries, parent companies, commonly owned companies, vendors, contractors, service providers, data processors, AI providers, and technology partners a broad, perpetual, worldwide, royalty-free, sublicensable license to host, store, copy, process, analyze, transmit, display, use, modify, normalize, structure, classify, enrich, combine, aggregate, de-identify, anonymize, derive, benchmark, model, score, and otherwise use Customer Data for providing, operating, improving, securing, developing, researching, benchmarking, modeling, and supporting the Platform and affiliated or commonly owned company services.
Motor Carrier Safety and Insurance Services LLC will not sell personal information of Platform users to unaffiliated third parties for monetary profit in a manner prohibited by applicable privacy law. Company may share data with affiliates, commonly owned companies, vendors, contractors, service providers, AI providers, analytics providers, infrastructure providers, payment processors, legal advisors, and other business partners as described in these Terms and the Privacy Policy.
11. Aggregated, De-Identified, and Derived Data
Motor Carrier Safety and Insurance Services LLC may create, own, use, commercialize, publish, license, sell, disclose, and retain aggregated, anonymized, de-identified, statistical, benchmark, derived, modeled, inferred, or transformed data generated from or relating to Customer Data, Platform usage, underwriting activity, carrier data, insurance records, safety information, or other Platform activity.
Motor Carrier Safety and Insurance Services LLC owns all aggregated, anonymized, de-identified, derived, inferred, scoring, benchmark, analytical, and model output data to the maximum extent permitted by law.
12. Customer Confidentiality
Motor Carrier Safety and Insurance Services LLC will use commercially reasonable efforts to protect non-public Customer Data from unauthorized access or disclosure. Customer understands that the Platform is designed to analyze, transform, benchmark, and generate insights from Customer Data and that Motor Carrier Safety and Insurance Services LLC may use Customer Data as described in these Terms.
Customer should not upload any information it is not authorized to share or any information it does not want processed under these Terms.
13. Driver, Vehicle, and Motor Carrier Data
The Platform may process driver-level, vehicle-level, fleet-level, motor carrier-level, safety, violation, inspection, crash, licensing, insurance, authority, and related commercial auto data from third-party sources and Customer uploads.
Customer is solely responsible for ensuring that it has all rights, permissions, consents, notices, permissible purposes, and legal bases required to access, upload, process, use, and make decisions based on such data.
Customer may not use the Platform in violation of any applicable privacy, insurance, employment, credit, consumer reporting, anti-discrimination, transportation, or data protection law.
14. No Social Security Numbers
Customer may not upload Social Security numbers unless Motor Carrier Safety and Insurance Services LLC expressly authorizes such upload in writing. Motor Carrier Safety and Insurance Services LLC does not intend for the Platform to collect or process Social Security numbers.
15. Payment and Subscriptions
The Platform may be offered through monthly, annual, per-seat, per-account, per-company, usage-based, enterprise, custom, bundled, promotional, or other pricing models.
Customer agrees to pay all fees when due. Unless otherwise stated in an order form, subscription fees are billed in advance, automatically renew, and are non-refundable.
Motor Carrier Safety and Insurance Services LLC may change pricing, features, usage limits, payment terms, or packaging upon notice or at renewal.
Customer authorizes Motor Carrier Safety and Insurance Services LLC and its payment processors to charge applicable payment methods for fees, taxes, renewals, overages, add-ons, and other charges.
16. No Refunds
All fees are non-refundable except where expressly required by law or expressly agreed in writing by Motor Carrier Safety and Insurance Services LLC. No refunds or credits will be provided for partial months, unused seats, unused reports, unused data, downgraded plans, canceled subscriptions, suspended accounts, or termination for violation of these Terms.
17. Non-Payment
Motor Carrier Safety and Insurance Services LLC may suspend, limit, or terminate access for non-payment, failed payment, chargeback, billing dispute, or suspected payment fraud. Customer remains responsible for all unpaid amounts, collection costs, legal fees, arbitration costs, and expenses incurred in collecting amounts owed.
18. Acceptable Use
Customer may use the Platform only for lawful internal business purposes. Customer may not scrape, crawl, harvest, reverse engineer, resell, share login credentials, bypass access controls, misuse APIs, circumvent usage limits, upload unlawful data, use the Platform for unlawful discrimination, consumer credit decisions, unauthorized employment screening, tenant screening, harassment, fraud, deception, surveillance, privacy violations, unlawful insurance decisions, malware, unauthorized access, misleading representations, or any abusive, unlawful, or unauthorized purpose.
19. Report Exports and Sharing
Customer may export reports for internal sales, underwriting, reporting, account management, risk review, and business purposes. Customer may share exports with its internal personnel, carriers, reinsurers, agents, insureds, prospects, brokers, advisors, or other business parties when reasonably related to Customer’s authorized use.
Customer remains responsible for any exported report, external disclosure, downstream use, reliance, or misinterpretation. Motor Carrier Safety and Insurance Services LLC may include disclaimers, watermarks, attribution, or usage restrictions on reports.
20. Intellectual Property
Motor Carrier Safety and Insurance Services LLC owns the Platform, software, code, designs, workflows, models, scoring methods, proprietary analytics, algorithms, data structures, reports, templates, user interfaces, documentation, trademarks, trade secrets, know-how, and all related intellectual property.
Customer receives only a limited, revocable, non-exclusive, non-transferable right to access and use the Platform during the subscription term. No rights are transferred except as expressly stated in these Terms.
21. Feedback
If Customer provides feedback, ideas, suggestions, requests, improvements, feature concepts, or recommendations, Customer grants Motor Carrier Safety and Insurance Services LLC the unrestricted right to use, modify, commercialize, implement, and exploit that feedback without compensation or obligation.
22. Security
Motor Carrier Safety and Insurance Services LLC may use commercially reasonable administrative, technical, and physical safeguards designed to protect Platform systems. However, no system is perfectly secure. Customer acknowledges that data transmission, storage, cloud hosting, third-party integrations, AI processing, payment processing, and online systems involve risk.
Customer is responsible for maintaining its own endpoint security, access controls, user permissions, passwords, and internal security practices.
23. Data Retention
Motor Carrier Safety and Insurance Services LLC may retain Customer Data, usage data, account data, derived data, audit logs, backups, reports, analytics, AI outputs, records, and related information indefinitely unless otherwise required by applicable law or agreed in writing.
Motor Carrier Safety and Insurance Services LLC may retain data for business, legal, regulatory, security, research, development, analytics, benchmarking, model improvement, audit, enforcement, backup, and operational purposes.
Deletion requests may be denied or limited where retention is permitted or required by law, contract, legitimate business purposes, system architecture, backup retention, audit requirements, dispute preservation, or Company policy.
24. Third-Party Services
The Platform may integrate with or rely on third-party data providers, AI providers, hosting providers, analytics tools, payment processors, government sources, mapping tools, communication tools, vendors, contractors, and other services.
Motor Carrier Safety and Insurance Services LLC is not responsible for third-party services, third-party data, third-party downtime, third-party errors, third-party terms, or third-party acts or omissions. Customer’s use of third-party services may be subject to additional terms.
25. Platform Changes
Motor Carrier Safety and Insurance Services LLC may modify, suspend, discontinue, replace, limit, remove, or update any Platform feature, data source, report, score, model, workflow, output, integration, or service at any time. Motor Carrier Safety and Insurance Services LLC does not guarantee continued availability of any feature, data source, score, report, or integration.
26. Disclaimers
The Platform is provided as is, as available, and with all faults. To the maximum extent permitted by law, Motor Carrier Safety and Insurance Services LLC disclaims all warranties, express, implied, statutory, or otherwise, including warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose, title, non-infringement, availability, uptime, data integrity, security, regulatory compliance, underwriting profitability, carrier acceptability, and suitability for any particular use.
Motor Carrier Safety and Insurance Services LLC does not warrant that the Platform will be uninterrupted, error-free, accurate, current, accepted by any carrier, profitable, compliant, or able to prevent claims, accidents, violations, enforcement, or regulatory action.
27. Limitation of Liability
To the maximum extent permitted by law, Motor Carrier Safety and Insurance Services LLC, its owners, officers, directors, employees, affiliates, vendors, contractors, licensors, service providers, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, punitive, enhanced, or lost-profit damages, including underwriting losses, adverse selection, lost revenue, lost data, lost business, reputational harm, regulatory action, claim losses, policy losses, premium losses, declinations, missed opportunities, business interruption, or reliance on inaccurate data.
To the maximum extent permitted by law, Motor Carrier Safety and Insurance Services LLC's total cumulative liability for all claims shall not exceed the lesser of the amount paid by Customer to Motor Carrier Safety and Insurance Services LLC for the Platform during the three months preceding the event giving rise to the claim or $100.
Some jurisdictions do not allow certain limitations of liability. In such jurisdictions, liability is limited to the maximum extent permitted by law.
28. Indemnification
Customer shall defend, indemnify, and hold harmless Motor Carrier Safety and Insurance Services LLC, its owners, officers, directors, employees, affiliates, vendors, contractors, licensors, service providers, and agents from and against all claims, damages, losses, liabilities, penalties, fines, costs, arbitration costs, court costs, and expenses, including reasonable attorney fees, arising out of or related to Customer’s use of the Platform, Customer Data, user activity, Customer decisions based on Platform outputs, violation of these Terms, violation of law, data uploads, disclosure of reports, use of driver, vehicle, fleet, or carrier data, alleged discriminatory or improper use, breach of privacy obligations, or claims by third parties.
29. Termination
Motor Carrier Safety and Insurance Services LLC may suspend or terminate access at any time for violation of these Terms, non-payment, risk to the Platform, risk to Company, suspected misuse, legal risk, regulatory risk, security risk, or any reason permitted by law.
Upon termination, Customer’s right to access the Platform ends immediately. Sections relating to data use, ownership, confidentiality, disclaimers, limitation of liability, indemnification, arbitration, fees, governing law, and survival continue after termination.
30. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules. The parties intend these Terms to be enforceable to the maximum extent permitted in all United States jurisdictions. If any state law limits or modifies a provision, the provision shall be enforced to the maximum extent permitted by applicable law.
31. Arbitration
Any dispute, claim, or controversy arising out of or relating to these Terms, the Platform, Customer Data, reports, outputs, billing, account access, or the relationship between the parties shall be resolved by binding arbitration.
The arbitration shall take place in Texas unless Motor Carrier Safety and Insurance Services LLC elects another location or remote arbitration. Motor Carrier Safety and Insurance Services LLC may select the arbitration provider and applicable commercial arbitration rules, subject to applicable law.
Customer shall be responsible for arbitration costs, filing fees, administrative fees, hearing fees, expert fees, and Motor Carrier Safety and Insurance Services LLC's reasonable attorney fees and costs to the maximum extent permitted by law.
Notwithstanding the foregoing, Motor Carrier Safety and Insurance Services LLC may seek injunctive relief, collection remedies, intellectual property protection, or equitable relief in court.
32. Class Action Waiver
To the maximum extent permitted by law, all claims must be brought on an individual basis. Customer waives the right to bring or participate in any class action, collective action, consolidated action, private attorney general action, or representative action.
33. Attorney Fees
If Motor Carrier Safety and Insurance Services LLC takes action to enforce these Terms, collect unpaid amounts, protect its rights, respond to legal process caused by Customer, or defend against claims arising from Customer’s use of the Platform, Customer shall reimburse Motor Carrier Safety and Insurance Services LLC for reasonable attorney fees, costs, arbitration expenses, expert fees, and collection expenses to the maximum extent permitted by law.
34. Changes to Terms
Motor Carrier Safety and Insurance Services LLC may update these Terms from time to time. Changes may be posted on the Platform or otherwise provided to Customer. Continued use of the Platform after changes become effective constitutes acceptance of the updated Terms.
35. Contact
Motor Carrier Safety and Insurance Services LLC
Email: support@fleet-keeper.com