Privacy policy

1. Who we are

This policy is published by Dispatched, Inc., a Wyoming corporation with its principal place of business at 12895 Josey Lane #124, Dallas, TX 75234, United States. Dispatched operates dispatched.finance, an intake and matching service that connects U.S. trucking operators with trucking-friendly commercial lenders and insurance producers.

When this policy says “Dispatched,” “we,” “us,” or “our,” it means Dispatched, Inc. When it says “you” or “your,” it means the individual using the site — typically an owner-operator, small-fleet owner, or someone authorized to submit a funding or insurance application on behalf of a trucking business.

Questions about this policy or how your information is handled can be sent to angelo@mainline.finance.

2. Scope

This policy covers the dispatched.finance website, the intake forms on that site (including the funding application and the insurance quote request), and the follow-up phone, text, and email communications that flow from a submission. It also covers the analytics and error-monitoring tools we run on the site.

This policy does notcover what happens after you choose to move forward with a specific lender or insurance carrier. Once you select a lender from your shortlist, that lender’s own privacy policy and disclosures govern the documents you sign with them and the data they collect from you directly. The same is true for any insurance carrier that issues a policy through our insurance producer partner. We’ll tell you who that lender or carrier is at the point of selection so you can read their policy before signing.

3. What we collect and why

We collect only what we need to route your application to lenders whose underwriting appetite fits your business. The categories below describe what we collect on the site and through the intake flow. Anything beyond this — for example, bank statements and tax returns — is uploaded directly to the lender you select, not to Dispatched.

• Identifiers. Your name, business email address, phone number, and mailing or business address. We use these to contact you about your application and to verify identity for lender routing.
• Business identifiers. Legal entity name, EIN (or SSN for sole proprietors), DOT number, and MC number. These are the underwriting keys lenders use to look up your business and motor-carrier record.
• Financial information. Monthly revenue range, time in business, requested funding amount, and what the funds are for. Bank statements and tax documents are not uploaded to Dispatched — once you select a lender, those documents are uploaded directly to that lender’s portal.
• Internet and device data.IP address, browser user agent, referrer, page path, and basic interaction signals. See §6 for what we do (and do not) use this for.
• Credit information. At intake, our intake partner Lendflow performs a soft pull— an inquiry that is not visible to other lenders and does not affect your credit score. A hard pull only happens after you select a specific lender from your shortlist and authorize that lender to proceed. We explain this on the apply page before any inquiry runs.
• Communications metadata.When we call, text, or email you about your application, we keep records of those communications — timestamps, channel, and whether you opted out. We use this to honor unsubscribe and STOP requests and to maintain auditable consent records.

4. How we use it

We use your information to operate the matching service and to stay compliant with the laws that apply to it. Specifically:

• Match your application to lenders on our panel whose published appetite fits your business profile and your stated funding purpose.
• Service your application — respond to your questions, answer your calls, and coordinate handoffs between you and your selected lender.
• Send funding-related communications by phone, text, and email within the scope of the consent you gave at intake (see §7).
• Comply with applicable law, respond to lawful requests from regulators, and meet our recordkeeping obligations.
• Prevent fraud and abuse, investigate suspected misuse of the service, and protect the rights and safety of Dispatched, our partners, and other operators.
• Improve how the site works — for example, by reviewing aggregated traffic patterns and error logs to find and fix broken flows.

5. Who we share it with

We share your information with a small set of named partners, each with a specific role. We do not sell or trade your information to data brokers, ad networks, or any other third party for marketing purposes.

• Lender panel.The trucking-friendly lenders we route your application to receive the underwriting fields they need to make an appetite decision. We describe the panel by category — working capital, equipment, repair, factoring — rather than by name because the panel rotates. The lender you ultimately select is named to you at selection time, and that lender’s own privacy policy governs the information you submit to them after that point.
• Lendflow.The third-party processor for the intake widget on /apply and the webhook receiver at /api/webhooks/lendflow. Lendflow receives the intake fields described in §3 and runs the initial soft pull on our behalf.
• Coverdash. The named licensed insurance producer for the commercial trucking insurance funnel. If you request an insurance quote, Coverdash receives the information necessary to produce that quote and to issue a policy if you bind coverage.
• Sentry.Our error monitoring provider. Sentry receives pseudonymous error reports — stack traces, page paths, and the minimal context needed to debug a broken flow. We avoid attaching identifiers like name or email to Sentry events.
• Mainline (tryoption.ai). Our analytics provider, which is focused on AI and search-crawler visibility. Page request metadata (path, user agent, referrer, IP) is sent to Mainline so we can see when AI assistants and search engines visit the site. Mainline filters by user agent to focus on crawler traffic; we do not use this signal to profile individual human visitors.
• Service providers.Render hosts the site and its infrastructure. Email and SMS delivery providers send the transactional communications described in §7. As we add or change providers in these categories, we will update this section.
• Legal and safety. We may disclose information in response to a valid subpoena, court order, or other lawful request; to investigate suspected fraud; or to protect the rights, property, or safety of Dispatched, our partners, or other operators.

6. Cookies and tracking

The site uses minimal first-party browser storage. The Coverdash insurance widget uses localStorage to hold widget state between page loads, so a partially filled quote can be resumed without re-typing. Other than that, the site does not set behavioral tracking cookies of its own.

As of the effective date of this policy, the site does notuse Google Analytics, Meta Pixel, LinkedIn Insight Tag, or any third-party advertising tracker. If that changes — for example, if we add an analytics tool that uses cookies or a similar identifier — this section will be updated and the effective date at the top will move.

7. Communications consent (TCPA / CAN-SPAM)

When you submit an application or quote request, you consent to receive phone calls, text messages, and emails from Dispatched and from the partner identified at submission, using the contact information you provide. For the insurance funnel, this consent is captured as one-to-one TCPA consent under FCC rules — the consent text is versioned in our codebase (version v1-2026-04-27) and stored with your lead so the exact language you agreed to is preserved.

Some calls and messages may be made using automated technology or pre-recorded messages. Standard message and data rates may apply. Your consent is not a condition of any purchase — you can opt out at any time without losing access to the matching service or the information on the site.

To opt out:

• Text messages. Reply STOP to any SMS to opt out of that sender. Reply HELP for assistance.
• Email.Use the unsubscribe link at the bottom of any marketing email, or reply with “unsubscribe.” Transactional emails about an active application may continue until that application is closed.
• Phone. Tell us on the call, or email angelo@mainline.finance. Oral revocation is honored.

8. Credit reporting (FCRA)

When you submit a funding application, our intake partner Lendflow performs a soft pullon the business credit profile and, where applicable, the owner’s personal credit. A soft pull is an inquiry that is not visible to other lenders, does not affect your credit score, and is used solely to match you to lenders whose appetite fits your profile.

A hard pull only happens after you select a specific lender from your shortlist and authorize that lender to proceed. The selected lender, not Dispatched, performs the hard pull, and its permissible purpose is the credit transaction you have initiated with them. If you compare offers from multiple lenders, hard pulls inside a 14-day rate-shopping window count as a single inquiry on most scoring models.

Under the Fair Credit Reporting Act (FCRA) you have the right to a free copy of your credit report from each of the three nationwide credit reporting agencies once every 12 months at annualcreditreport.com, the right to dispute inaccurate information in your credit file, and the right to know who has pulled your credit. If a lender takes adverse action on your application based on information in your credit report, that lender is required by FCRA to send you an adverse action notice identifying the credit reporting agency it used.

9. Data retention

We keep application data only as long as we need to operate the matching service and to satisfy applicable lender-recordkeeping, tax, and consumer-financial laws. Specific retention windows depend on whether an application was ultimately funded and on the jurisdictions involved.

• Funded applications. [COUNSEL REVIEW: 7 years post-funding] for the loan-file records that lenders, auditors, and regulators may need to review.
• Non-funded applications. [COUNSEL REVIEW: 2 years from last activity] for applications that did not result in funding, after which the underlying intake data is deleted or de-identified.
• Marketing communications. Until you unsubscribe, plus a short cool-down period during which your contact information is held on a suppression list so we do not accidentally re-contact you after you have opted out.
• Aggregated and de-identified data.Statistics derived from application data — with all identifiers removed — may be retained indefinitely for the purpose of describing the panel and refreshing the rate ranges published on the site.

10. Security

We use reasonable administrative, technical, and physical safeguards designed to protect the information described in this policy — including encryption in transit, access controls on internal systems, and limited access to production data on a need-to-know basis. No system is perfect, and we do not promise that our safeguards will prevent every possible unauthorized access. If a breach affecting your information occurs, we will notify you and any required regulator as required by applicable law. [COUNSEL REVIEW: confirm notification windows for each state where we operate.]

11. Children

Dispatched is a business-to-business service intended for adults authorized to act on behalf of a trucking business. The site is not directed to children under 18, and we do not knowingly collect personal information from minors. If you believe a child has submitted information through the site, contact us at angelo@mainline.finance and we will delete it.

12. Your privacy rights

The rights you have over the information we hold depend on where you live. The subsections below summarize the rights that apply under each state’s privacy law as of the effective date of this policy. The “How to submit a request” subsection at the end applies to all of them.

California (CCPA / CPRA)

If you are a California resident, the California Consumer Privacy Act as amended by the California Privacy Rights Act (collectively “CCPA”) gives you the right to:

• Know the categories and specific pieces of personal information we have collected about you, the sources we collected it from, the purposes for which we use it, and the categories of third parties with whom we share it.
• Delete personal information we collected from you, subject to exceptions for transactions, fraud prevention, and legal compliance.
• Correct inaccurate personal information we hold about you.
• Opt out of “sale” or “sharing” of personal information as those terms are defined under CCPA.
• Opt out of profiling for decisions that produce legal or similarly significant effects about you and that are made solely by automated means.
• Limit use and disclosure of sensitive personal information to what is necessary to provide the service you requested.
• Non-discriminationfor exercising any of these rights — we will not deny you the service, charge you a different price, or provide you a lower quality experience because you exercised a CCPA right.

To be specific about how this applies to Dispatched: we do not sell or share your personal information as the terms “sell” and “share” are defined under CCPA (i.e., we do not exchange personal information for monetary or other valuable consideration, and we do not share personal information for cross-context behavioral advertising). The disclosures we make to the lender panel and to the partners listed in §5 are business-purpose disclosures made to process the application you submitted. Because we do not engage in “sale” or “sharing” as defined, we do not publish a standalone “Do Not Sell or Share My Personal Information” link — the CCPA disclosure lives here, in this section, and any opt-out request you wish to make can be sent through the process described below.

Texas (TDPSA)

If you are a Texas resident, the Texas Data Privacy and Security Act (TDPSA) gives you the right to:

• Confirm whether we are processing your personal data.
• Access the personal data we hold about you.
• Correct inaccuracies in that data.
• Delete personal data you have provided or that we have obtained about you.
• Port the personal data you provided, in a portable and (to the extent technically feasible) readily usable format.
• Opt out of (i) targeted advertising, (ii) the sale of personal data, and (iii) profiling in furtherance of decisions that produce legal or similarly significant effects about you.

If we deny a request you submitted under TDPSA, you may appeal that decision by replying to our response email or by emailing angelo@mainline.financewith the subject line “Privacy Appeal — Texas.” We will review the appeal and respond in writing. If the appeal is denied, we will explain why and tell you how to contact the Texas Attorney General to submit a complaint. Dispatched is based in Dallas, so this section gets a dedicated subsection regardless of the size of our Texas resident base.

Other state residents

If you reside in one of the states listed below, you have a substantially similar set of rights under that state’s privacy law: the right to confirm and access the personal data we hold about you, the right to correct it, the right to delete it, the right to port it, and the right to opt out of targeted advertising, sale, and profiling for decisions that produce legal or similarly significant effects. The exact scope and mechanics vary by state — the table below identifies the governing statute and effective date for each. To exercise any of these rights, use the process described below.

How to submit a request

To exercise any of the rights described above, email angelo@mainline.financewith the subject line “Privacy Request — [state],” replacing [state] with the U.S. state of your residence (for example, “Privacy Request — California”). In the body of the message, tell us which right you want to exercise and provide the email address and, if applicable, the business name on file so we can locate your records.

To protect your information, we may ask you to confirm the email address we have on file plus one additional verification element before we act on the request. We will not ask for sensitive information solely for the purpose of verification. An authorized agent may submit a request on your behalf with written authorization — we may contact you to confirm the authorization before acting.

We will acknowledge your request promptly and respond within the window required by your state’s law. [COUNSEL REVIEW: 45-day response window with one 45-day extension applies to most state laws; verify per state for the final.] If we cannot honor a request — for example, because it would require us to delete records we are legally required to keep — we will tell you why and (where applicable) explain how to appeal.

13. International users

Dispatched is a United States service for U.S. trucking operators. The site is not directed to residents of the European Union, the United Kingdom, or any other non-U.S. jurisdiction, and we have not designed the intake or our data-handling practices to satisfy the GDPR, UK GDPR, or other non-U.S. frameworks. If you are located outside the United States, please do not submit information through the intake forms on this site.

14. Changes to this policy

We update this policy from time to time. When we do, the effective date at the top of the page moves and the body reflects the change. Material changes — for example, a new category of partner that receives your information — will also be flagged with an in-product notice at the top of the intake flow so you see the change before submitting. Your continued use of the site after the new effective date means you accept the updated policy.

15. Contact

Privacy questions, requests, or complaints: angelo@mainline.finance.