Terms & Conditions

Terms of Service

Iron Meadow Holdings LLC (d/b/a “Load Work”)

Effective Date: May 1st 2026 | Last Updated: June 6th 2026

1. Agreement to These Terms

These Terms of Service ("Terms") form a legally binding contract between Iron Meadow Holdings LLC, a Florida limited liability company doing business as Load Work Hub ("Load Work Hub," "Company," "we," "our," or "us"), and the individual or business entity ("you," "your," or "User") that accesses or uses our website, mobile applications, software platform, load board, transportation management system, referral services, communications tools, load alerts (including email and SMS load alerts), training or mentorship resources, and any related products, features, or services (collectively, the "Services").

By clicking "I Agree," creating an account, accessing, or otherwise using any portion of the Services, you (a) acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy; (b) represent that you have full legal authority to enter into these Terms on your own behalf and, if applicable, on behalf of any business entity you represent; and (c) if you are entering these Terms on behalf of a business, agree that you bind that business and that "you" means both you individually and that business. If you do not agree, you must not access or use the Services.

1.1 Prior Brand; Continuity. The Services were previously offered under the brand "Load Network" at loadnetworkboard.com. Load Work Hub is the successor brand to Load Network and is operated by the same company, Iron Meadow Holdings LLC. These Terms apply to the Services regardless of whether you first accessed them under the "Load Network" or "Load Work Hub" brand, and any prior reference to "Load Network" in connection with the Services shall be deemed a reference to "Load Work Hub." If you previously agreed to terms of service under the Load Network brand, these Terms supersede and replace those terms as of the Effective Date, and your continued use of the Services constitutes acceptance of these Terms.

2. Eligibility

To access or use the Services, you must:

be at least eighteen (18) years of age;

be a transportation industry participant (including, by way of example, a motor carrier, owner-operator, dispatcher, broker, or affiliated business);

have the legal capacity and authority to enter into binding contracts;

hold all motor carrier authority, operating authority, licensing, registrations, insurance, and other approvals required by law for your activities, including those administered by the Federal Motor Carrier Safety Administration ("FMCSA") and any applicable state or foreign regulator; and

not be barred from receiving services under the laws of the United States or any other applicable jurisdiction (including sanctions and export-control laws).

3. The Platform — What Load Work Hub Is and Is Not

3.1 Technology Platform Only. Load Work Hub is a software platform that (a) presents information to users about loads, lanes, carriers, brokers, market conditions, and other transportation-related data sourced from public, licensed, third-party load-data partners, or user-submitted sources; and (b) refers users to independent third-party providers of business services, including but not limited to financing, factoring, insurance, fuel cards, electronic logging devices and compliance technology, equipment financing and leasing, and similar offerings (collectively, "Referral Partners"). Load Work Hub's role is limited to providing the technology and the referral conduit.

3.2 What We Are Not. Iron Meadow Holdings LLC is NOT, and does not act as:

a motor carrier, freight broker, freight forwarder, or surface transportation property broker (including as those terms are defined in 49 U.S.C. § 13102 and FMCSA regulations);

a shipper, consignee, or party to any transportation contract;

a dispatcher, agent, attorney-in-fact, or representative of any carrier, broker, shipper, or other User;

an employer, joint employer, principal, or franchisor of any User or any User's driver, employee, or contractor;

a financial institution, lender, factor, insurance agent, insurance broker, money transmitter, payment processor, escrow agent, or financial advisor;

a fiduciary to any User or Referral Partner; or

a party to any transaction, contract, agreement, settlement, or relationship between a User and any other User, Referral Partner, broker, shipper, carrier, or third party.

Unless explicitly stated in a separate written agreement signed by an authorized officer of Iron Meadow Holdings LLC, nothing on the Services, in our communications, or in any marketing or training material shall be construed as creating any of the relationships disclaimed above.

3.3 No Verification. We do not vet, verify, endorse, audit, investigate, or guarantee the identity, authority, licensing, insurance coverage, financial condition, safety record, business practices, conduct, performance, or compliance status of any User, Referral Partner, broker, shipper, carrier, driver, lender, insurer, or third party referenced on or through the Services. Information displayed through the Services may be inaccurate, incomplete, outdated, or misleading. You are solely responsible for independently verifying any information before relying on it.

3.4 Information Is Not Advice. Any information, calculation, rate display, lane summary, recommendation engine output, suggested counterparty, or referral provided through the Services is for informational convenience only. It is not legal, tax, financial, insurance, brokerage, regulatory, operational, or business advice, and you should not act on it without consulting your own qualified advisors.

3.5 Third-Party Load Data. Certain load postings and related data are supplied by third-party load-data partners and other third-party sources under licenses or agreements between those parties and Load Work Hub. Such data is provided on an "as is" basis, may be inaccurate, incomplete, delayed, prioritized, or removed at any time, and is subject to the terms of the originating provider. You may not extract, copy, redistribute, resell, or feed such data to any third party or competing platform (see Section 6).

4. User Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account, whether or not authorized by you. You agree to (a) keep your account information accurate, current, and complete; (b) notify us immediately of any unauthorized access; (c) not share, sublicense, sell, lease, or otherwise transfer your account or credentials to any other person or entity; and (d) not permit any third party to access the Services through your account. We may suspend, restrict, or terminate accounts at our sole discretion, with or without notice, including for suspected fraud, chargebacks, credential sharing, unauthorized data extraction, regulatory concerns, or breach of these Terms.

5. Your Representations, Warranties, and Covenants

By accessing or using the Services, you continuously represent, warrant, and covenant that:

(a) Authority and Licensing. You and any business entity you represent hold all motor carrier, broker, dispatcher, or other operating authority, registrations, permits, and licenses required for your activities, including those administered by the FMCSA, U.S. Department of Transportation, state regulators, and any applicable foreign authority.

(b) Insurance. You maintain commercial automobile liability, cargo, general liability, workers' compensation, and any other insurance required by law and by any broker, shipper, or counterparty with whom you transact, at limits no lower than applicable legal or contractual minimums.

(c) Compliance. You will comply with all applicable laws, regulations, and FMCSA requirements, including hours-of-service rules, safety regulations, drug and alcohol testing requirements, hazardous-materials rules, customs and cross-border requirements, and all sanctions, anti-money-laundering, and anti-corruption laws.

(d) No Double-Brokering or Re-Brokering. You will not double-broker, re-broker, re-tender, identity-spoof, or otherwise unlawfully redistribute, resell, or misrepresent any load sourced through or referenced on the Services. You will haul loads only under your own valid operating authority and insurance, or under a properly documented broker-carrier agreement with the carrier of record. You will not engage in fictitious pickups, fraudulent invoicing, or any related fraud.

(e) Accurate Information. All information you submit to the Services (including company name, MC/DOT numbers, insurance certificates, banking and payment instructions, equipment information, lane preferences, mobile telephone numbers, and communications) is true, accurate, complete, and not misleading. You will promptly correct any inaccuracy.

(f) Tax and Employment Classification. You are solely responsible for your own tax obligations, regulatory filings, and the classification, supervision, compensation, training, payroll, and insurance of your own personnel, drivers, and contractors.

(g) No Reliance. You are not relying on any oral or written statement, projection, income claim, success rate, testimonial, or other representation by Load Work Hub in deciding whether to use the Services or to enter into any transaction with any Referral Partner, broker, shipper, carrier, or third party.

You agree to promptly notify us if any of the foregoing representations becomes inaccurate. A breach of this Section is a material breach of these Terms.

6. Acceptable Use

You agree NOT to:

scrape, crawl, harvest, mirror, index, or systematically extract data from the Services;

access the Services through any automated means (bots, scripts, RPA, AI agents) without our prior written consent;

reverse engineer, decompile, disassemble, or attempt to derive the source code or underlying ideas of the Services;

circumvent, disable, or interfere with any security, authentication, rate-limiting, or access-control feature;

introduce viruses, malware, ransomware, or harmful code;

impersonate any person or entity, misrepresent your affiliation, or use the credentials or authority of another party without authorization;

post or transmit content that is unlawful, defamatory, harassing, fraudulent, infringing, obscene, or threatening;

use the Services to spam, phish, send unsolicited commercial communications, or to solicit users for any purpose not expressly permitted;

engage in double-brokering, re-brokering, identity fraud, fictitious pickups, fraudulent invoicing, or any other fraudulent freight activity;

use the Services in violation of any law, FMCSA regulation, sanctions program, export control, or third-party right;

resell, sublicense, or commercially exploit the Services or any data sourced from the Services; or

aggregate, republish, or feed data sourced from the Services (including third-party load-data partner data) to any third party or competing platform.

We may investigate, suspend, terminate, and pursue civil and criminal remedies for any violation, and we may cooperate with law enforcement and regulators.

7. Subscription Billing; No Refunds

(a) Subscriptions. Certain Services require a paid subscription or membership. By purchasing a subscription, you authorize us and our payment processors to charge your designated payment method on a recurring basis at the rate and frequency disclosed at the point of sale, until you cancel.

(b) Auto-Renewal. Subscriptions automatically renew at the end of each billing period unless canceled before renewal. You may cancel through your account settings or by emailing support@loadworkhub.com.

(c) No Refunds. All fees are non-refundable, in whole or in part, except where expressly required by applicable law. This includes subscription fees, prorated portions of unused periods, and any digital content fees.

(d) Failed Payments. If a payment fails, we may immediately suspend or terminate access without notice. You remain liable for unpaid amounts plus interest at the lesser of 1.5% per month or the maximum permitted by law, and for collection costs (including reasonable attorneys' fees).

(e) Price Changes. We may change pricing at any time on prospective notice. Continued use after notice constitutes acceptance of the new pricing.

(f) Chargebacks. Initiating a chargeback without first contacting us to resolve a billing dispute is a material breach of these Terms and grounds for immediate termination and collection.

(g) Plan Limits; Alert Allotments. Features such as load board access, the number of loads viewable, and email and SMS load alerts are subject to the limits, caps, and allotments of your subscription tier as disclosed at the point of sale. Per-period allotments (including SMS load alerts) do not roll over, and additional usage may be offered as a paid add-on. We may set, change, or enforce fair-use limits to maintain platform integrity and to manage third-party messaging and data costs. SMS load alerts are also governed by Section 8.

8. SMS and Text Message Communications; TCPA Consent

8.1 Program Description. As part of the Services, Load Work Hub offers load alerts and account-related notifications by text message (SMS/MMS), including alerts when loads matching your criteria become available, billing and account notices, and customer-support messages (the "SMS Program"). SMS load alerts are subject to the allotments and fair-use limits of your subscription tier (see Section 7(g)).

8.2 Consent to Receive Texts. By providing your mobile telephone number and opting in (including by enabling SMS alerts, checking an SMS consent box, or texting a keyword to us), you expressly consent to receive recurring automated and non-automated text messages from or on behalf of Load Work Hub at the number you provide, including messages delivered using an automatic telephone dialing system or similar technology. You represent that you are the subscriber or customary user of the number provided and are authorized to consent on its behalf, and you agree to notify us if you relinquish that number.

8.3 Consent Not a Condition of Purchase. Your consent to receive marketing or promotional text messages is not a condition of purchasing any goods or services. You may use the Services without consenting to promotional texts; however, certain transactional or account messages, and SMS-dependent features such as SMS load alerts, require your mobile number and consent to function.

8.4 Message Frequency; Message and Data Rates. Message frequency varies based on your settings, subscription tier, and load-matching activity. Message and data rates may apply according to your mobile carrier's plan. Load Work Hub is not responsible for any charges imposed by your mobile carrier.

8.5 Opt-Out and Help. You may opt out of the SMS Program at any time by replying STOP to any message, after which you will receive a single confirmation message. Reply HELP for assistance, or contact support@loadworkhub.com. After opting out, you may continue to receive only non-promotional transactional or account messages where permitted by law, and you may lose access to SMS-dependent features. You may also manage SMS preferences in your account settings.

8.6 No Guarantee of Delivery or Timeliness. SMS load alerts are provided for informational convenience only and on an "as is" and "as available" basis. Load Work Hub does not guarantee that any alert will be generated, sent, delivered, accurate, complete, or timely. Load Work Hub is not liable for any missed load, lost opportunity, delay, error, non-delivery, or any decision or action you take based on, or in the absence of, any alert. Delivery depends on third-party mobile carriers and messaging providers that are outside our control.

8.7 Mobile Carriers Not Liable. Your mobile carrier is not liable for delayed or undelivered messages.

8.8 Third-Party Messaging Providers. We use one or more third-party messaging providers (for example, Twilio) to deliver text messages. Your mobile telephone number and related message data may be processed by such providers solely to deliver the SMS Program, as further described in our Privacy Policy.

8.9 Changes to the SMS Program. We may modify, suspend, or discontinue the SMS Program, or any alert allotment, at any time. This Section is in addition to, and does not limit, your consent to electronic communications elsewhere in these Terms (see Section 22(f)).

9. Referral Partners and Third-Party Services

The Services may identify, list, link to, or facilitate introductions to independent third-party providers of business services ("Referral Partners"), including but not limited to:

financing and lending companies;

invoice factoring companies;

insurance providers, producers, agencies, and brokers;

fuel cards and fuel discount programs;

ELD, compliance, telematics, and safety technology providers;

equipment financing, leasing, and rental companies;

freight brokers and motor carriers; and

software, payments, and other technology providers.

9.1 No Endorsement, Advice, or Recommendation. Any reference to, listing of, or introduction to a Referral Partner is for your convenience only and does NOT constitute an endorsement, recommendation, advice, suitability determination, or guarantee of any kind. Load Work Hub is not a financial advisor, insurance advisor, broker, agent, or fiduciary, and nothing presented through the Services constitutes financial, legal, insurance, tax, or regulatory advice.

9.2 Independent Relationship. Any agreement, application, account, policy, loan, advance, lease, or business relationship you form with a Referral Partner is solely between you and that Referral Partner. Load Work Hub is not a party to any such agreement and has no responsibility for the terms, performance, pricing, approval, denial, settlement, claims handling, servicing, collections, or any other aspect of the relationship.

9.3 Compensation Disclosure. You acknowledge that Load Work Hub may receive referral fees, commissions, marketing payments, revenue share, or other compensation from Referral Partners. Such compensation may create a financial incentive for Load Work Hub to refer Users to particular Referral Partners. You agree that the existence of such compensation does not create any duty, agency, fiduciary obligation, or special relationship by Load Work Hub to you.

9.4 Your Independent Decision. You agree to conduct your own due diligence on any Referral Partner before applying for, purchasing, or entering into any product or service. You will read and rely only on the Referral Partner's own disclosures, contracts, rate sheets, and policies. Your decisions are your own and are not made in reliance on Load Work Hub.

9.5 No Liability for Referral Partners. Without limiting any other disclaimer in these Terms, Load Work Hub shall have no liability whatsoever for the acts, omissions, products, services, denials, approvals, pricing, conduct, performance, solvency, accuracy of statements, regulatory compliance, or any other matter related to any Referral Partner, and you release Load Work Hub from any claim arising out of or relating to any Referral Partner.

10. Intellectual Property

The Services, including all software, source code, content, databases, layouts, designs, logos, trademarks, trade names, text, graphics, and audiovisual content (the "Company Materials"), are owned by or licensed to Iron Meadow Holdings LLC and are protected by U.S. and international intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services solely for your own internal business purposes during your active subscription. All rights not expressly granted are reserved. You may not copy, reproduce, distribute, sublicense, sell, publicly display, modify, create derivative works of, reverse engineer, or otherwise exploit any Company Materials except as expressly permitted.

11. User Content and Feedback

You retain ownership of content you submit to the Services ("User Content"). By submitting User Content, you grant Load Work Hub a worldwide, perpetual, irrevocable, royalty-free, fully paid-up, sublicensable, transferable license to use, host, store, reproduce, modify, create derivative works of, display, perform, and distribute User Content for any purpose related to operating, improving, marketing, or providing the Services. You represent and warrant that you own or have all rights necessary to grant this license and that the User Content does not violate any third-party right or law. Any feedback, suggestions, or ideas you provide to us are not confidential and may be used by us without restriction or compensation to you.

12. Privacy

Your use of the Services is subject to our Privacy Policy, which is incorporated by reference. The Privacy Policy describes what information we collect (including mobile telephone numbers used for the SMS Program), how we use it, the third-party providers with whom we share it, and your choices.

13. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES, COMPANY MATERIALS, AND ANY INFORMATION, ALERTS, REFERRALS, OR RECOMMENDATIONS PROVIDED THROUGH THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION:

WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR QUIET ENJOYMENT;

WARRANTIES THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE OF VIRUSES OR HARMFUL COMPONENTS;

WARRANTIES REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY INFORMATION, DATA, LOAD POSTING, ALERT, RATE, CARRIER INFORMATION, BROKER INFORMATION, OR REFERRAL PARTNER INFORMATION;

WARRANTIES REGARDING THE IDENTITY, CONDUCT, PERFORMANCE, SOLVENCY, OR COMPLIANCE OF ANY USER, REFERRAL PARTNER, BROKER, SHIPPER, CARRIER, OR DRIVER; AND

WARRANTIES THAT ANY OUTCOME (FINANCIAL, OPERATIONAL, REGULATORY, OR OTHERWISE) WILL BE ACHIEVED.

NO ORAL OR WRITTEN STATEMENT BY LOAD WORK HUB OR ITS REPRESENTATIVES CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

(a) No Indirect Damages. IN NO EVENT SHALL LOAD WORK HUB, IRON MEADOW HOLDINGS LLC, OR THEIR RESPECTIVE OFFICERS, MEMBERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST BUSINESS, LOST DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, COST OF SUBSTITUTE SERVICES, FREIGHT LOSSES, CARGO CLAIMS, DETENTION OR LAYOVER COSTS, REGULATORY FINES, MISSED LOADS OR LOST OPPORTUNITIES (INCLUDING THOSE RELATED TO ALERTS), OR DAMAGES ARISING FROM YOUR DEALINGS WITH ANY USER, REFERRAL PARTNER, BROKER, SHIPPER, CARRIER, OR DRIVER, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE THEORY OF LIABILITY.

(b) Aggregate Cap. OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, FROM ALL CAUSES OF ACTION AND THEORIES OF LIABILITY COMBINED, SHALL NOT EXCEED THE GREATER OF (i) THE AMOUNTS YOU ACTUALLY PAID TO LOAD WORK HUB FOR THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (ii) ONE HUNDRED U.S. DOLLARS ($100).

(c) Basis of the Bargain. YOU ACKNOWLEDGE THAT THE WARRANTY DISCLAIMERS AND LIABILITY LIMITATIONS IN THESE TERMS ARE A MATERIAL AND ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND LOAD WORK HUB AND THAT FEES WOULD BE SUBSTANTIALLY HIGHER WITHOUT THEM.

(d) Time Bar. ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES MUST BE COMMENCED (BY ARBITRATION DEMAND OR PERMITTED COURT FILING) WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUED, OR IT IS PERMANENTLY BARRED.

Some jurisdictions do not allow certain limitations or exclusions; in those jurisdictions, our liability is limited to the maximum extent permitted by law.

15. Indemnification

You agree to defend, indemnify, and hold harmless Iron Meadow Holdings LLC, Load Work Hub, and their respective officers, members, directors, employees, contractors, agents, affiliates, and licensors (collectively, the "Indemnitees") from and against any and all claims, demands, suits, proceedings, losses, liabilities, damages, judgments, settlements, fines, penalties, costs, and expenses (including reasonable attorneys' fees and expert fees) arising out of or relating to:

your access to or use of the Services;

your transportation, dispatching, brokering, or other business activities;

any load you accept, tender, haul, or arrange through or in connection with the Services;

any cargo claim, freight loss, damage, theft, or detention;

any dispute with any User, Referral Partner, broker, shipper, carrier, driver, employee, contractor, or third party;

your violation of any law or regulation (including FMCSA, DOT, state DOT, tax, employment, insurance, sanctions, or anti-money-laundering laws);

your breach of any representation, warranty, or covenant in these Terms;

any User Content you submit;

any mobile telephone number you provide for the SMS Program that you are not authorized to provide, or any claim arising from your provision of such number;

any claim that you (or any of your personnel) are an employee, joint employee, agent, partner, franchisee, or borrowed servant of Load Work Hub; and

your gross negligence, willful misconduct, or fraud.

We may assume exclusive control of any matter subject to indemnification using counsel of our choice, in which case you will cooperate fully. You will not settle any matter without our prior written consent. This obligation survives termination of these Terms.

16. Independent Contractor; No Employment or Agency

The relationship between you and Load Work Hub is solely that of an independent contractor and software customer. Nothing in these Terms creates any employment, joint employment, agency, partnership, joint venture, franchise, or fiduciary relationship. You have no authority to bind Load Work Hub, and Load Work Hub has no authority to bind you. You are solely responsible for the classification, supervision, compensation, training, payroll, taxes, benefits, and insurance of your own personnel, drivers, and contractors. You will defend and indemnify the Indemnitees against any claim inconsistent with this Section.

17. Binding Arbitration; Class Action Waiver; Jury Trial Waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU TO RESOLVE DISPUTES WITH LOAD WORK HUB THROUGH INDIVIDUAL, FINAL, AND BINDING ARBITRATION, AND IT WAIVES YOUR RIGHTS TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION.

(a) Agreement to Arbitrate. You and Load Work Hub agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or the relationship between you and Load Work Hub (a "Dispute") — whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory and whether arising before, during, or after termination — shall be resolved exclusively by final and binding individual arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules then in effect, except as modified below. This agreement to arbitrate is governed by the Federal Arbitration Act.

(b) Small-Claims Carve-Out. Either party may bring an individual action in a small-claims court of competent jurisdiction in lieu of arbitration, so long as the action remains in that court on an individual basis and is not removed or appealed to a court of general jurisdiction.

(c) Injunctive Relief Carve-Out. Either party may seek injunctive or equitable relief in court to protect intellectual property, confidential information, or to enforce Sections 6, 10, or 11, without waiving any other rights under this Section.

(d) Class and Representative Action Waiver. YOU AND LOAD WORK HUB AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE ACTION. THE ARBITRATOR HAS NO AUTHORITY TO CONSOLIDATE CLAIMS, TO ADMINISTER A CLASS, OR TO AWARD RELIEF TO ANYONE BUT THE NAMED PARTY.

(e) Jury Trial Waiver. YOU AND LOAD WORK HUB EACH KNOWINGLY, INTENTIONALLY, AND VOLUNTARILY WAIVE ANY RIGHT TO A TRIAL BY JURY ON ANY DISPUTE.

(f) Arbitration Procedure. Arbitration shall be conducted by a single arbitrator. The seat of arbitration shall be Miami-Dade County, Florida (or such other location as the parties may agree, or remotely if the AAA so permits). The arbitrator shall apply Florida substantive law, the Federal Arbitration Act, and the AAA rules. The arbitrator may award only the relief that a court of competent jurisdiction could award the individual claimant and may not award punitive damages except where required by law.

(g) Fees and Costs. Each party will bear its own attorneys' fees and arbitration costs, except as the arbitrator determines is required by applicable law or where these Terms provide otherwise (including fee-shifting in indemnification).

(h) Severability of Arbitration Provision. If any portion of this Section is found unenforceable, the remainder shall continue to apply. If the class waiver is found unenforceable as to any particular claim, that claim shall be severed and adjudicated in court in the venue specified in Section 18, and all other claims shall remain in arbitration.

(i) Survival. This Section survives termination of these Terms and your account.

18. Governing Law and Venue

These Terms, and any non-arbitrable Dispute, shall be governed by the laws of the State of Florida, without regard to its conflict-of-laws principles, and (where applicable) the Federal Arbitration Act. For any non-arbitrable Dispute, you and Load Work Hub submit to the exclusive jurisdiction and venue of the state and federal courts located in Miami-Dade County, Florida, and waive any objection to such venue, including any objection based on forum non conveniens.

19. Termination and Suspension

(a) By You. You may terminate your account at any time by canceling your subscription and ceasing use of the Services.

(b) By Us. We may suspend, restrict, or terminate your account and access to the Services at any time, with or without notice and with or without cause, including for breach of these Terms, suspected fraud, regulatory concerns, chargebacks, or non-payment.

(c) Effect. Upon termination, your license to access the Services ends immediately. Any provision that by its nature should survive termination (including Sections 5, 8, 9.5, 10, 11, 12, 13, 14, 15, 16, 17, 18, 20, and 22) survives.

20. Force Majeure

Load Work Hub is not liable for any delay or failure to perform caused by events beyond our reasonable control, including acts of God, natural disasters, pandemics, war, terrorism, civil unrest, government action, labor disputes, cyberattacks, internet or telecommunications failures, power outages, supply-chain disruptions, or failures of third-party providers.

21. Changes to These Terms

We may modify these Terms at any time by posting the revised Terms with a new "Effective Date" or "Last Updated" date and, where required by law or where the changes are material, providing additional notice (by email or in-app). Your continued use of the Services after the effective date of any revision constitutes your acceptance of the revised Terms. If you do not agree, you must stop using the Services.

22. General Provisions

(a) Entire Agreement. These Terms, together with our Privacy Policy and any order form, subscription, or written agreement signed by an authorized officer of Load Work Hub, constitute the entire agreement between you and Load Work Hub and supersede all prior agreements, communications, and understandings, written or oral (including any prior terms offered under the Load Network brand).

(b) Severability. If any provision of these Terms is held unenforceable, the remaining provisions remain in full force and effect, and the unenforceable provision will be reformed to the minimum extent necessary to make it enforceable.

(d) Assignment. You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent; any unauthorized assignment is void. We may assign these Terms freely, including in connection with a merger, acquisition, financing, or sale of assets.

(e) Notices. We may provide notices to you by email, in-app message, or by posting on the Services. You may provide notices to us at: support@loadworkhub.com, or by mail to Iron Meadow Holdings LLC, 2603 MLK ST N, Saint Petersburg, FL 33704.

(f) Electronic Acceptance and Communications. You agree that clicking "I Agree," creating an account, or continuing to use the Services constitutes your electronic signature and assent to these Terms. You consent to receive communications from us electronically, including by email, in-app message, and (where you have provided consent under Section 8) text message.

(g) Export and Sanctions. You represent that you and any business entity you represent are not located in, organized under, or controlled by any country, person, or entity subject to U.S. sanctions or export controls, and that you will not use the Services in violation of any such laws.

(h) Headings; Interpretation. Section headings are for convenience only. "Including" means "including without limitation." Ambiguities will not be construed against the drafter.

(i) Third-Party Beneficiaries. Except for the Indemnitees (who are intended third-party beneficiaries of Sections 14, 15, and 16), there are no third-party beneficiaries of these Terms.

CONTACT INFORMATION

Iron Meadow Holdings LLC d/b/a Load Work Hub

Email: support@loadworkhub.com

Web: www.loadworkhub.com

Mailing Address: 2603 MLK ST N, Saint Petersburg, FL 33704