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TRUST & POLICIES

Agent Policy

Last updated: September 10, 2026

You set the goal and authorize the scope. Mumm handles the negotiation and keeps a record you can review.

On this page
  1. What the agent will do
  2. What the agent will not do
  3. Support for complex requests
  4. Human oversight
  5. Transparency
  6. Reporting agent behavior

What the agent will do

  • Negotiate on your behalf within the scope you've authorized (e.g., for medical bills, with the specific merchant of the specific bill)
  • Communicate through the channels available for your request and within your authorization
  • Quote market data and reference past negotiations to support its arguments
  • Identify itself as Mumm representing you
  • Bring you settlement options for your approval
  • Explain the payment step for your request; approval alone does not mean payment or fulfillment has happened
  • Follow up with merchants for you (we handle the chasing)

What the agent will not do

  • Fabricate facts about you, the merchant or market data
  • Impersonate you in ways you haven't authorized — we identify ourselves as Mumm representing you
  • Commit you to anything without your explicit approval
  • Disclose your information to anyone except the specific merchant for the specific negotiation
  • Engage with merchants who are abusive, threatening, or asking for sensitive info we shouldn't provide
  • Negotiate things you haven't asked us to negotiate
  • Continue working a case after you've cancelled it

Support for complex requests

  • The agent has playbooks for common categories (medical, travel, auto, contractors, insurance, subscriptions). For unusual situations, the agent escalates to a human Mumm operator who reviews and may take over.
  • If a negotiation requires additional time or support, we’ll explain the next steps and any changes to scope.
  • The agent only places voice calls during business hours in the merchant's local timezone (9am–8pm) unless you've specifically requested otherwise.

Human oversight

  • A human Mumm operator reviews any negotiation flagged as low-confidence
  • Humans can take over from the agent at any time
  • All agent actions are logged and reviewable

Transparency

  • You can see every action the agent has taken on your dashboard
  • Review attached messages and transcripts, or request complete communication records from the team
  • You can request a complete audit trail of any negotiation any time

Reporting agent behavior

If the agent does something you think is wrong, contact us at agent@trymumm.com. We review every report.