Privacy Policy

Effective Date: July 17, 2025
Last Updated: August 16, 2025
Legal Entity: CargoGuard, INC. (doing business as Fenderr)

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Introduction

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CargoGuard, INC. ("Company," "we," or "us") respects your privacy and is committed to protecting it through this Privacy Policy. This policy explains the types of information we collect or that you provide when you visit https://www.fenderr.com (the "Website") or use our platform (the "Fenderr application" or "Services"), and how we collect, use, maintain, protect, and disclose that information.

This Privacy Policy applies to information collected:

On the Website.
In electronic‑mail, text‑message, and other electronic communications between you and Fenderr.
Through your use of the Fenderr application and Services (mobile or web).

It does not apply to information collected:

Offline or through any means not listed above.
On any third‑party website that may link to or be accessible from our Website or application.

By accessing or using our Website and Services, you agree to this Privacy Policy. If you do not agree, please do not use Fenderr.

Children Under the Age of 13

Our Website and Services are not intended for children under thirteen years of age. We do not knowingly collect personal data from children under thirteen. If we discover that we have inadvertently collected such data, we will delete it promptly.

Information We Collect

We aim to collect only what is relevant for the features you choose to use. As we add features, we may collect new categories consistent with this policy; when we do, we will update this policy or provide an in‑product notice.

A. Information You Provide

Name, electronic‑mail address, telephone number, company name
Department of Transportation number and Motor Carrier number, carrier or driver credentials
Uploaded files: bills of lading, proofs of delivery, insurance documents, and similar records
Billing and payment information (for example, for subscription or factoring)
Communications, support requests, or survey responses

B. Information We Collect Automatically

Internet‑protocol address, browser type, device identifier
Usage data: load views, dispatch activity, time spent on features
Location information (if you enable it)
Document upload timestamps and dispatch logs

C. Information From Third Parties

Factoring and fuel‑card partners (for example, invoice volume or redemption data when you connect or participate)
Accounting tools such as QuickBooks (once integration is enabled and you connect)
Referral‑program data from dispatch schools or brokers

D. Identity and Bank‑Account Verification (Optional — Fraud Prevention)

For higher‑trust features—such as becoming a verified carrier —you may be asked to complete an identity and bank‑account verification step powered by our verification partner, Stripe. Verification remains optional unless a feature explicitly requires it.

How it works
Stripe gathers the information necessary to validate your identity documents, confirm you control the linked bank account, and detect fraud. To achieve this, Stripe may temporarily access limited account‑level information—such as balance snapshots, masked account identifiers, account‑holder name, and relevant transaction metadata—along with device and network signals that help confirm legitimacy.

What we receive and retain
We receive a verification status plus the subset of data that is reasonably necessary to operate fraud‑prevention, compliance, and other features you have enabled. This may include masked account identifiers, account indicators, and limited account information to confirm ownership and prevent fraud. We treat all such data as sensitive and store it securely for as long as your account remains active or as required by law.

Purpose of collection

To prevent fraud and abuse
To satisfy know‑your‑customer and anti‑money‑laundering obligations
To enable secure payouts, factoring, and dispute resolution
To support ongoing compliance and feature eligibility reviews

When verification is required
You may decline verification; however, features that require a higher level of trust will remain unavailable until verification is completed.

Stripe’s limited role
Stripe acts solely as our verification provider. We do not use Stripe to process your payments or to provide factoring services.

E. Payments and Transaction Information (Features You Choose to Use).

If you use payment, payout, or factoring features, we may collect and create records needed to operate those features. This may include invoices, payout instructions, remittance details, payment or payout status, dates, counterparties, and similar operational information related to activity you initiate or receive through the Services. These records may be provided by you, generated by your use of the Services, or received from integrated partners that you choose to connect.

How We Use Your Information

We use information to:

Operate, maintain, and personalize the Website and Services
Manage dispatches, uploads, fuel rebates, and invoice factoring
Operate payment and payout features you choose to use
Sync with integrated tools such as QuickBooks (coming soon)
Provide customer support and resolve issues
Communicate product updates, system alerts, or promotions (you can opt out of marketing communications)
Fulfill contractual obligations, protect the integrity and security of the Services, and prevent fraud

Disclosure of Your Information

We may share information with:

Fuel‑card and factoring partners, when you opt in
QuickBooks, once the sync is enabled and you connect
Third‑party service providers (for example, cloud hosting, analytics, electronic‑mail delivery, and Stripe for identity and bank‑account verification when you opt in; Stripe does not process your transactions and does not provide factoring for the Services)
Dispatch schools or commercial‑driver‑license academies under referral programs
Law‑enforcement or legal authorities when required
Another company in connection with a merger, acquisition, or asset sale

We do not sell your personal data. We may disclose anonymized, aggregate information for research or performance reporting.

Use of Cookies and Tracking Technologies

We use cookies and similar technologies to make the Services work and to improve them:

Essential cookies to sign in and keep your session secure
Preference cookies to remember settings
Performance and electronic‑mail pixels to understand engagement and improve features

You can control cookies in your browser. Some features may not work correctly if cookies are disabled.

Your Choices and Rights

You may:

Access or update your account information at any time
Opt out of marketing electronic‑mail using the "unsubscribe" link
Disable cookies in your browser settings
Request deletion of your account and data (see below)
Request disconnection of a linked bank account used for verification or payouts

California Residents (California Consumer Privacy Act and California Privacy Rights Act)

If you reside in California, you have the right to:

Know what categories of personal data we have collected and shared
Request access to or deletion of your personal data
Opt out of data sale (we do not sell data)

To exercise these rights, contact us at privacy@fenderr.com.

Data Retention

We retain personal data only as long as necessary:

Billing data is stored for seven years (legal compliance)
Closed accounts are deleted within three months
Platform backups are kept for ninety days
Verification status, bank tokens, and related records are retained while your account is active and as required by law; Stripe may retain underlying verification data under Stripe’s schedule
Payment and transaction records are retained as needed to operate the features you use and to meet legal, accounting, and compliance obligations

You may request earlier deletion unless retention is required by law.

Data Security

We use:

Transport‑Layer‑Security encryption for data in transit
Multi‑factor authentication for administrator access
Encrypted document vaults for sensitive data
Time‑limited links for text‑message and electronic‑mail‑based dispatch

No system is impenetrable, but we take reasonable precautions to safeguard your data.

Subscription, Billing, and Refunds

The Starter Plan is free (especially when fuel or factoring is active)
Pro and Enterprise Plans are billed monthly or annually
You may cancel at any time; access remains active until the billing cycle ends
No refunds are issued for partial billing cycles

Jurisdiction and Dispute Resolution

This policy is governed by the laws of the State of Delaware. Any disputes shall be resolved through binding arbitration in Delaware. You waive the right to bring claims as a class or representative action.

Changes to This Policy

We may update this Privacy Policy as needed. We will notify you of material changes by electronic‑mail or in‑product notice. The latest version will always be available at https://www.fenderr.com/privacy.

Contact Us

CargoGuard, INC.
4000 MacArthur Boulevard, Suite 600
Newport Beach, California 92660
Electronic‑mail: privacy@fenderr.com