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Terms of Service

Last updated: November 13, 2026

These terms apply when you use truckerphil.com, our matching form at match.truckerphil.com, or any call, text or email from Trucker Phil. Trucker Phil is a service of Norte Leads LLC, a Wyoming limited liability company ("Trucker Phil", "we", "us").

By using our site or submitting our form, you agree to these terms. Please read section 11 carefully. It explains how disputes are resolved, and it includes an agreement to settle disputes by individual arbitration and a waiver of class actions.

1. What Trucker Phil does

Trucker Phil asks a few questions about your trucking operation and introduces you to a partner factoring company. That's all we do.

  • We're not a factoring company. We don't buy invoices, advance money, lend, or provide any financial service.
  • We don't give advice. Nothing on our site or in our messages is financial, legal or tax advice.
  • We don't decide anything about you. The partner reviews your operation, decides whether to make you an offer, and sets its own terms. We don't promise that a partner will contact you, make you an offer, approve you, or offer any particular rate or terms.
  • Any agreement is between you and the partner. If you sign with a partner, that agreement is only between you and that company. We aren't a party to it and aren't responsible for the partner's services.

2. It's free for you

Trucker Phil never charges carriers. We're paid by the partner factoring companies we introduce.

3. Who can use Trucker Phil

You must be at least 18 and authorized to act for the trucking business you tell us about. Trucker Phil is for U.S. owner-operators and fleets running under their own authority.

4. Your information

  • Give us true, current information about yourself and your operation.
  • Use your own phone number and email address.
  • Don't submit information about someone else, and don't use bots or scripts to submit the form.

We use your information as described in our Privacy Policy.

5. Calls, texts and emails

When you submit the form, you agree to be contacted as stated in the consent notice next to the submit button. That means Trucker Phil and one partner factoring company may contact you at the phone number and email you gave us, including by calls and texts that may use automated technology or a prerecorded or artificial voice.

  • Not required to buy anything. Your consent is not a condition of buying any goods or services.
  • Verification code. We send one text with a code to confirm your phone number.
  • Message frequency and costs. Message frequency varies. Message and data rates may apply.
  • Stopping messages. Reply STOP to any text from us to stop texts, or HELP for help. You can also withdraw consent at any time by emailing hello@truckerphil.com.
  • Partners. To stop calls or texts from a partner, tell the partner directly. You can also tell us and we'll pass it on.

6. Our site

You may use our site for your own business. Don't copy, scrape or misuse it, interfere with how it works, or try to access parts of it you're not meant to. Trucker Phil's name, logo and content belong to us.

Our site and messages may link to partners or other websites. We don't control them and aren't responsible for their content, policies or services.

8. Disclaimer

Our site and services are provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We don't guarantee that the site will always be available or error-free.

9. Limitation of liability

To the fullest extent the law allows:

  • We're not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits or lost business.
  • We're not liable for anything a partner does or doesn't do.
  • Our total liability for any claim relating to Trucker Phil is limited to $100.

Some states don't allow some of these limits, so they may not all apply to you.

10. Your responsibility

If you give us false information, submit someone else's details, or misuse our site, you'll be responsible for the claims and costs that result, including reasonable legal fees.

11. Disputes, arbitration and class action waiver

Talk to us first. If you have a problem, email hello@truckerphil.com and give us 30 days to try to fix it.

Arbitration. If we can't resolve it, you and we agree that any dispute about Trucker Phil, including these terms, our site, our form, and any call, text or email, will be settled by binding individual arbitration, not in court.

  • The arbitration will be run by the American Arbitration Association under its Consumer Arbitration Rules.
  • It can take place by video or phone, or in your home county.
  • We'll pay the filing and arbitrator fees that the rules require a business to pay.

Exceptions. Either side may bring an individual claim in small claims court. Either side may also go to court to stop misuse of its name, logo or content.

No class actions. You and we may bring claims only individually, not as a plaintiff or class member in any class, collective or representative action. The arbitrator may not combine claims from different people. If this class action waiver is found unenforceable for a claim, that claim goes to court instead of arbitration, and the rest of this section still applies.

Opting out. You can opt out of arbitration within 30 days of first using Trucker Phil. Email hello@truckerphil.com with your name, the phone number you used, and "Arbitration opt-out".

12. Governing law

These terms are governed by the laws of the State of Wyoming and applicable federal law, including the Federal Arbitration Act. Any court case allowed under section 11 will be brought in the state or federal courts located in Wyoming.

13. General

  • Changes. We may update these terms. Changes apply from the date at the top and don't apply to disputes that started earlier.
  • Severability. If part of these terms is found unenforceable, the rest stays in effect.
  • No waiver. If we don't enforce a term right away, we can still enforce it later.
  • Whole agreement. These terms and our Privacy Policy are the whole agreement between you and us about Trucker Phil.

14. Contact

Trucker Phil, a service of Norte Leads LLC
30 N Gould St, Sheridan, WY 82801
hello@truckerphil.com

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