# [Refunds & Disputes](https://trymumm.com/trust/refunds)

_Last updated: 2026-09-10_

## Service fee refunds

- If we settle a deal that you didn't approve: full refund of fee
- If the merchant later goes back on a deal we negotiated: full refund of fee, and we will fight to restore the deal
- If we made a mistake that resulted in you paying more than necessary: full refund + we make you whole for the difference
- Cancel before settlement and you pay no negotiation fee

## Non-refundable

- A settled deal where you approved and money moved: fee is non-refundable except in the cases above
- Disputes over savings calculations: we use the original amount you sent us as the baseline. Contact us if you disagree.

## Chargebacks

- If you charge back a Mumm fee, we’ll work with you to resolve it directly: email finance@mumm.com
- Frivolous or fraudulent chargebacks may result in account suspension

## Disputes

- Email disputes@mumm.com
- We respond within 2 business days
- Our resolution target is 7 business days
- If we can't resolve directly, the dispute resolution process in our Terms applies (arbitration)