Terms and Conditions

Agreement to Terms

By accessing or using the American Independent Carrier Alliance ("AICA") website, including our factoring match assessment tool, calculators, and educational resources, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website.

Description of Services

AICA provides educational resources and tools for independent trucking carriers, including:

• A factoring company match assessment based on carrier-reported survey data
• Educational articles and guides about factoring, cash flow, and carrier operations
• Financial calculators to help carriers evaluate business decisions
• Connections to factoring companies that may meet your stated needs

Nature of Recommendations

Our factoring company recommendations are based on data collected through our annual carrier survey program. These recommendations are intended as a starting point for your research and should not be considered financial advice. Key points to understand:

• Recommendations are based on aggregated carrier satisfaction data, not individual circumstances
• AICA does not guarantee the performance, rates, or service quality of any factoring company
• You are responsible for conducting your own due diligence before entering into any agreement with a factoring company
• Factoring company offerings, rates, and terms may change without notice

Compensation Disclosure

AICA may receive compensation from factoring companies when carriers connect with them through our platform. This compensation helps us maintain our website and continue providing free resources to the carrier community. Our recommendations are based on carrier survey data, not on compensation arrangements.

User Responsibilities

When using our website and services, you agree to:

• Provide accurate and truthful information in assessments and forms
• Use our services only for legitimate business purposes
• Not attempt to manipulate or abuse our systems
• Comply with all applicable laws and regulations

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of AICA or its content suppliers and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works from our content without written permission.

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. AICA does not warrant that our services will be uninterrupted, error-free, or free of viruses or other harmful components.

Limitation of Liability

To the fullest extent permitted by law, AICA shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. This includes, but is not limited to, any losses arising from your reliance on our recommendations or your relationship with any factoring company.

Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of any third-party sites. Your use of third-party sites is at your own risk.

Indemnification

You agree to indemnify and hold harmless AICA, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these terms.

Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the modified terms.

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Contact Information

If you have questions about these Terms and Conditions, please contact us at:

American Independent Carrier Alliance
Email: legal@aica.org