Last Updated: April 28, 2025
Welcome to Mullet ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your access to and use of the Mullet platform, website, and services (collectively, the "Services"), including any content, functionality, and services offered on or through getmullet.com (the "Website").
By accessing or using our Services, or by signing up for our waitlist, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our Services.
Mullet is a financial platform that enables small and medium-sized businesses (SMBs) to optimize their business credit card usage while providing their employees with opportunities to acquire appreciating assets. Our platform helps businesses manage cash flow while converting business spending into employee benefits in the form of real-world assets.
By signing up for our waitlist, you express interest in our Services prior to their public launch. Waitlist registration does not guarantee access to our Services, and we reserve the right to determine eligibility for participation in our beta or initial release.
To use our Services, you must:
When you register for an account or join our waitlist, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
If you register on behalf of a business, you represent and warrant that you have the authority to bind the business to these Terms. The business agrees to hold harmless and indemnify Mullet from any liability, damage, or cost arising from your lack of authority to bind the business.
We respect your privacy and the value of your personal information. We commit to NEVER selling your personal data to third parties for marketing purposes or monetary gain. You retain ownership rights to your personal information, and we act only as a processor of this information to provide our Services.
Information collected through our waitlist and platform will be used exclusively for:
We will not use your data for any purpose beyond what is specified in this agreement without obtaining your explicit consent.
We will only share your information with third parties under the following limited circumstances:
Under no circumstances will we sell, rent, or lease your personal information to third parties for their marketing purposes.
Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to the practices described in the Privacy Policy.
You agree to provide accurate, current, and complete information when using our Services, including during registration and financial transactions.
You agree not to:
Businesses using our platform agree to:
Our fee structure may include:
Specific fee information will be provided during the formal onboarding process and may vary based on business size, usage volume, and selected services.
Payment terms, including billing cycles and payment methods, will be specified during the onboarding process. You authorize us to charge the payment method provided for all applicable fees.
The acquisition of assets through our platform is subject to:
We do not guarantee the performance, appreciation, or value of any assets acquired through our platform.
The Website, Services, and all content, features, and functionality (including but not limited to text, graphics, logos, button icons, images, audio clips, data compilations, and software) are owned by Mullet or our licensors and are protected by copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for their intended purposes, subject to these Terms.
You may not:
Mullet does not provide investment, financial, tax, or legal advice. Our platform facilitates asset acquisition but does not recommend specific investments. All decisions regarding the selection and management of assets should be made in consultation with qualified financial advisors.
We do not guarantee:
TO THE MAXIMUM EXTENT PERMITTED BY LAW, MULLET AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE AMOUNT PAID BY YOU TO MULLET DURING THE TWELVE (12) MONTHS PRIOR TO THE CLAIM.
You agree to defend, indemnify, and hold harmless Mullet and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Services.
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.
Any dispute arising from or relating to these Terms or our Services shall be finally settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration will be conducted in the English language by a single arbitrator in Delaware. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
YOU AND MULLET AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
Notwithstanding the foregoing, either party may bring an individual action in small claims court.
We reserve the right to modify these Terms at any time. If we make material changes, we will provide notice through our Services or by other means. Your continued use of our Services after such notice constitutes your acceptance of the modified Terms.
We reserve the right to modify, suspend, or discontinue any part of our Services at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of our Services.
You may terminate your account at any time by following the instructions on our Website or by contacting us.
We may terminate or suspend your account and access to our Services immediately, without prior notice or liability, for any reason, including if you breach these Terms.
Upon termination, your right to use our Services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference herein, constitute the entire agreement between you and Mullet concerning your use of our Services.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision.
If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.
You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. We may assign these Terms without restriction.
For questions about these Terms, please contact us at:
Mullet, Inc.
[Your Address]
[Your City, State ZIP]
Email: legal@getmullet.com
Phone: [Your Phone Number]
BY USING OUR SERVICES OR SIGNING UP FOR OUR WAITLIST, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.