Document: fcra-permissible-use-notice · version 56de144606b6f155 · effective [EFFECTIVE DATE]

CarriersScore — FCRA & Permissible-Use Notice

DRAFT v0.1 — for attorney review. Not legal advice.

Effective date: [EFFECTIVE DATE] · Last updated: June 7, 2026

This Notice is incorporated into the Website Terms of Use, Subscriber Terms of Service, and Acceptable Use Policy. Please read it before using the Service.

1. CarriersScore is not a consumer reporting agency

CarriersScore is not a "consumer reporting agency" ("CRA"), and the Service, the CarriersScore Score, reports, and other outputs are not "consumer reports" or "investigative consumer reports," as those terms are defined in the federal Fair Credit Reporting Act, 15 U.S.C. §1681 et seq. ("FCRA"), or under any analogous state law. The Service evaluates motor carriers as business entities for business-to-business carrier-selection, vetting, monitoring, and risk-management purposes. It does not assemble or evaluate information for the purpose of furnishing consumer reports about individuals.

2. Prohibited uses

You may not use the Service, the Score, or any output, in whole or in part, as a factor in establishing any individual's eligibility for, or otherwise in connection with:

• credit or a credit transaction involving an individual consumer;
• employment (hiring, retention, promotion, reassignment, or background screening of an individual);
• insurance underwriting of an individual;
• housing, tenancy, or rental decisions;
• any government license or benefit that considers personal eligibility; or
• any other purpose for which a "consumer report" may be used under the FCRA (15 U.S.C. §1681b) or any similar personal purpose.

3. Permitted use

You may use the Service only for legitimate business purposes relating to the selection, qualification, onboarding, monitoring, and risk assessment of motor carriers (and the business relationships with them), and not to make decisions about any individual in a manner governed by the FCRA.

4. Your certification

By accessing the Service, you certify that: (a) you will use the Service and its outputs solely for the permitted business purposes above; (b) you will not use them for any FCRA-covered or other prohibited purpose; and (c) you will comply with all applicable laws, including the FCRA (to the extent it ever applies to your activities), the Driver's Privacy Protection Act (18 U.S.C. §2721 et seq.), and applicable privacy laws. This certification is a condition of access and a continuing representation each time you use the Service.

5. If you need a consumer report

If your decision requires a consumer report (for example, screening an individual driver for employment), you must obtain it from a properly regulated consumer reporting agency under the FCRA, with the required disclosures, authorizations, and adverse-action procedures. The Service is not a substitute for, and may not be used as, such a report.

6. Enforcement

Use of the Service for any prohibited purpose is a material breach, may be unlawful, and may result in immediate suspension or termination and other remedies. You agree to indemnify CarriersScore for any claim arising from your prohibited use, as provided in the Subscriber Terms.

7. Questions

Contact info@carriersscore.com. This Notice does not constitute legal advice to you regarding your own FCRA or other compliance obligations; consult your counsel.

*DRAFT — to be reviewed and finalized by counsel. (c) Blacktop Digital Assets, LLC.*