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TRUST & POLICIES

Terms of Service

Last updated: April 15, 2026

Structural template per doc-16. Final binding language is pending counsel review.

REVIEW REQUIRED. Counsel review of this policy is pending. The structural language below should not be treated as binding until that review is complete.

On this page
  1. Agreement to terms
  2. Eligibility
  3. Account responsibilities
  4. The service
  5. Authorization to act
  6. Fees & payment
  7. Mumm Priority membership
  8. Approvals
  9. Cancellations & refunds
  10. Intellectual property
  11. Prohibited uses
  12. Disclaimers
  13. Limitation of liability
  14. Indemnification
  15. Dispute resolution
  16. Termination
  17. Changes to these terms
  18. Severability, entire agreement, and other terms
  19. Contact

Agreement to terms

By creating an account or using Mumm, you agree to these terms.

Eligibility

Mumm is for users 18 or older with the capacity to contract. v1 is open to US residents.

Account responsibilities

  • Keep your credentials secure
  • Provide accurate information
  • One account per person or business

The service

Mumm negotiates on your behalf within the scope you authorize. We are not a law firm; nothing we say is legal advice. We are not a financial advisor or insurance broker.

Authorization to act

You grant Mumm limited authority to communicate with merchants on your behalf for negotiations you submit.

Fees & payment

17.5% of verified savings — 14% for Mumm Priority members. Savings = original amount − settled amount. The rate is fixed on each negotiation when you submit it. Payment processing through Stripe.

Mumm Priority membership

Mumm Priority is an optional annual membership ($199/year, billed annually, auto-renews until canceled). Members pay a 14% success fee and receive priority processing. Cancel anytime from your billing settings; membership runs through the end of the paid term. No mid-term refunds. Negotiations keep the fee rate they were submitted under, whether your membership starts or lapses afterward.

Approvals

No settlement happens without your approval. The fee triggers only when you approve and money moves.

Cancellations & refunds

See the Refunds & Disputes policy at /trust/refunds.

Intellectual property

Mumm's IP stays with Mumm. Your IP stays with you. You grant Mumm a limited license to use information you submit for the negotiation.

Prohibited uses

See the Acceptable Use policy at /trust/acceptable-use.

Disclaimers

The service is provided as-is. We do not guarantee any specific outcome on a negotiation.

Limitation of liability

Our aggregate liability is capped at the fees you paid in the prior 12 months.

Indemnification

You agree to indemnify Mumm for any misuse of the service.

Dispute resolution

Disputes resolved by binding arbitration. Governing law: Delaware. Class action waiver applies.

Termination

Either party may terminate. On termination, accrued fees remain due; access ends.

Changes to these terms

Material changes announced by email and posted here at least 14 days before they take effect.

Severability, entire agreement, and other terms

Standard severability and entire-agreement clauses apply.

Contact

legal@mumm.com.