# [Terms of Service](https://trymumm.com/trust/terms)

_Last updated: 2026-10-26_

The agreement between you and Mumm: what the service does, what you authorise us to do on your behalf, what it costs, and how either of us ends it.

## 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. The service is available to US residents.

## Account responsibilities

- Keep your credentials secure
- Provide accurate information
- Use 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

Sending a request is free. Requests for trips, purchases and bids carry no Mumm fee. For bill help (medical and recurring bills), the fee is 17.5% of verified savings on Free and 12% on Fast. Verified savings = original amount − the new balance the provider confirms; extras never count. The plan and rate are fixed on each request when you submit it or make it Fast. Once the provider confirms the new balance, we charge the fee to the card saved on your Mumm account. If there is no saved card or the charge does not go through, we send you a secure link to pay. Payment processing through Stripe.

## Free and Fast

Free and Fast are the plans for personal accounts; business accounts use the business buying rates. Free: up to 2 open requests at a time and up to 3 businesses contacted per request, with work starting within one business day. Fast is an optional annual plan ($149/year, billed annually, auto-renews until canceled): requests start right away, Mumm contacts every business it finds that fits the request, follows up daily, and brings in staff when businesses do not reply. Cancel anytime from your billing settings; Fast runs through the end of the paid term. No mid-term refunds. You can also make one open Free request Fast for $29.99, a one-time payment. That request then works like Fast and no longer counts toward Free’s 2 open requests. Joining Fast makes your open requests Fast too. A request keeps its plan and fee rate if Fast lapses later. Members who joined Mumm Priority before October 3, 2026 have Fast, with the 12% bill-help rate, for the rest of their paid term.

## 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@trymumm.com.