Murmur Co. Terms of Service

Last Updated: 09.23.2021

Welcome to the Murmur Co. (“Murmur“) platform located at www.onmurmur.com (the “Site“). Please read these Terms of Service (the “Terms“) and our Privacy Policy (“Privacy Policy“) as they govern your use of our Site and our software services accessible via our Site. To make these Terms easier to read, the Site and our services are collectively called the “Services.”

1. Agreement to Terms.

By using our Services, you agree to be bound by these Terms. If you don’t agree to be bound by these Terms, do not use the Services.

2. Privacy Policy.

Please refer to our Privacy Policy for information on how we collect, use and disclose information from our users. Your use of the Services is subject to our Privacy Policy.

The Services are provided by Murmur whose office is at 3348 Scarboro Street, Los Angeles, CA 90065.

ARBITRATION NOTICE: WHEN YOU AGREE TO THESE TERMS YOU ARE AGREEING (WITH LIMITED EXCEPTION) TO RESOLVE ANY DISPUTE BETWEEN YOU AND MURMUR THROUGH BINDING, INDIVIDUAL ARBITRATION RATHER THAN IN COURT. PLEASE REVIEW CAREFULLY SECTION 16 “DISPUTE RESOLUTION” BELOW FOR DETAILS REGARDING ARBITRATION (INCLUDING THE RELEVANT EXCEPTIONS AND THE PROCEDURE TO OPT OUT OF ARBITRATION). PLEASE NOTE THAT THE PROVISIONS ON ARBITRATION DO NOT APPLY TO USERS IN THE EUROPEAN UNION.

3. Changes to Terms or Services.

We may update the Terms at any time, in our sole discretion. If we do so, we’ll let you know either by posting the updated Terms on the Site or through other communications. It’s necessary that you review the Terms when we update them or you use the Services. If you continue to use the Services after we have posted updated Terms, you are agreeing to be bound by the updated Terms. If you don’t agree to be bound by the updated Terms, then, except as otherwise provided in Section 16(f) “Effect of Changes on Arbitration,” (not applicable to users in the European Union) you may not use the Services anymore. Because our Services change over time we may revise or discontinue all or any part of the Services, at any time and (except if prohibited by law) without notice, at our sole discretion.

4. Who May Use the Services?

(a) Eligibility.

You may use the Services if you are 18 years or older (or have reached the age of majority in the jurisdiction where you reside) and are capable of entering a binding contract with Murmur and are not barred from using the Services under applicable law.

(b) Registration and Your Information.

If you want to use certain features of the Services you’ll have to create an account (“Account“). You can do this via the Site.

(c) Accuracy of Account Information.

It’s important that you provide us with accurate, complete and updated information for your Account and you agree to update such information to keep it accurate, complete and up-to-date. If you don’t, we may have to suspend or terminate your Account. You agree that you won’t disclose your Account password to anyone and you’ll notify us immediately of any unauthorized use of your Account. You’re responsible for activities that occur under your Account, whether or not you know about them.

5. Feedback.

We welcome feedback, comments and suggestions for improvements to the Services (“Feedback“). You can submit Feedback by emailing us at care@onmurmur.com. You grant to us a non-exclusive, transferable, worldwide, perpetual, irrevocable, fully-paid, royalty-free license, with the right to sublicense, under any and all intellectual property rights that you own or control to use, copy, modify, create derivative works based upon and otherwise exploit the Feedback for any purpose.

6. Subscription.

Some practitioners may publish Content available for free on the Site after you sign up for an Account. To access more practitioner Content, you may be required to purchase a subscription (“Subscription“).

(a) General.

When you purchase a Subscription (a “Transaction“), you expressly authorize us (or our third-party payment processor) to charge you for such Transaction. We may ask you to supply additional information relevant to your Transaction, including your credit card number, the expiration date of your credit card and your email and postal addresses for billing and notification (such information, “Payment Information“). You represent and warrant that you have the legal right to use all payment method(s) represented by such Payment Information. When you initiate a Transaction, and click on the Purchase button, you authorize us to provide your Payment Information to third parties so we can complete your Transaction and to charge your payment method for the type of Transaction you have selected (plus any applicable taxes and other fees). You may need to provide additional information to verify your identity before completing your Transaction (such information is included within the definition of Payment Information).

(b) Subscriptions.

You may purchase a Subscription with an annual or monthly renewal period, and you may select this at the point you make your Subscription. If you purchase a Subscription, you will be charged the annual or monthly Subscription fee, which will be inclusive of all applicable taxes, and other charges (“Subscription Fee“), at the beginning of your Subscription and each applicable yearly or monthly renewal period thereafter, at the then-current Subscription Fee. Please note that your Subscription will automatically renew, until it is cancelled. If you purchase an annual Subscription, we (or our third-party payment processor) will automatically charge you each year on the anniversary of the commencement of your Subscription, using the Payment Information you have provided until you cancel your Subscription. If you purchase a monthly Subscription, we (or our third-party payment processor) will automatically charge you each month on the calendar day corresponding to the commencement of your Subscription, using the Payment Information you have provided until you cancel your Subscription. In the event your Subscription began on a day not contained in a given month, your payment method will be charged on a day in the applicable month or such other day as we deem appropriate. For example, if you started your Subscription on January 31st, your next payment date is likely to be February 28th, and your payment method would be billed on that date. If you have an annual Subscription, Murmur will send you a reminder at least fourteen (14) days prior to each renewal with the then-current Subscription Fee. By agreeing to these Terms and electing to purchase a Subscription, you acknowledge that your Subscription has recurring payment features and you accept responsibility for all recurring payment obligations prior to cancellation of your Subscription by you or Murmur. Your Subscription continues until cancelled by you or we terminate your access to or use of the Services or Subscription in accordance with these Terms.

(c) Changing Your Subscription.

You may change your Subscription from annual to monthly, or vice versa, by following the instructions on our Site (if you purchased your Subscription via the Site). If you make such a change, your payment date may also change. If you change from a Monthly Subscription to an Annual Subscription, on your next payment date, you will be charged the then-current Subscription Fee for an Annual Membership, and your Annual Subscription will renew on an annual basis. If you change from an Annual Subscription to a Monthly Subscription, at the next renewal date for your Annual Subscription, you will be charged the then-current Subscription Fee for a Monthly Membership, and your Monthly Subscription will renew on a Monthly basis.

(d) Access to Content.

Upon completion of the Transaction you will receive an email confirmation from us and be able to access practitioner Content. When you access practitioner Content, you will have no right to repayment of any Subscription Fees and you acknowledge and agree that you waive any right to a refund of such Subscription Fees.

(e) Cancelling Your Subscription.

YOUR PURCHASE IS FINAL AND YOU WILL NOT RECEIVE A REFUND OF ANY PORTION OF THE SUBSCRIPTION FEE PAID FOR THE THEN CURRENT SUBSCRIPTION PERIOD AT THE TIME OF CANCELLATION. But if something unexpected happens in the course of completing a Transaction, we reserve the right to cancel your Transaction for any reason. If we cancel your Transaction, we’ll refund any payment you have already remitted to us for such Transaction. Without limiting the foregoing, you may cancel your Subscription at any time. However, such cancellation will be effective at the end of the then-current Subscription period. To cancel, you can follow the instructions on our Site if you signed up via the Site. You will be responsible for all Subscription Fees (plus any applicable taxes and other fees) incurred for the then-current Subscription period. If you cancel, your right to use the Services will continue until the end of your then current subscription period and will then terminate without further charges.

7. Content Ownership.

For purposes of these Terms, “Content” means text, graphics, images, music, software, audio, video, works of authorship of any kind, and information or other materials that are posted, generated, provided or otherwise made available through the Services. Subject to your compliance with these Terms, Murmur grants to you a limited, nonexclusive, non-transferable license, with no right to sublicense, to view and listen to the Content solely in connection with your permitted use of the Services and solely for your personal and non-commercial purposes.

8. General Prohibitions and Murmur’s Enforcement Rights.

You agree not to do any of the following:

(a)

Submit or transmit any Content that: (i) infringes, misappropriates or violates a third party’s patent, copyright, trademark, trade secret, moral rights or other intellectual property rights, or rights of publicity or privacy; (ii) violates, or encourages any conduct that would violate, any applicable law or regulation or would give rise to civil liability; (iii) is fraudulent, false, misleading or deceptive; (iv) is defamatory, obscene, pornographic, vulgar or offensive; (v) promotes discrimination, bigotry, racism, hatred, harassment or harm against any individual or group; (vi) is violent or threatening or promotes violence or actions that are threatening to any person or entity; or (vii) promotes illegal or harmful activities or substances;

(b)

Use, display, mirror or frame the Services or any individual element within the Services, Murmur’s name, any Murmur trademark, logo or other proprietary information, or the layout and design of any page or form contained on a page, without Murmur’s express written consent;

(c)

Access, tamper with, or use non-public areas of the Services, Murmur’s computer systems, or the technical delivery systems of Murmur’s providers;

(d)

Attempt to probe, scan or test the vulnerability of any Murmur system or network or breach any security or authentication measures;

(e)

Avoid, bypass, remove, deactivate, impair, descramble or otherwise circumvent any technological measure implemented by Murmur or any of Murmur’s providers or any other third party (including another user) to protect the Services or Content;

(f)

Attempt to access or search the Services or Content or download Content from the Services through the use of any engine, software, tool, agent, device or mechanism (including spiders, robots, crawlers, data mining tools or the like) other than the software and/or search agents provided by Murmur or other generally available third-party web browsers;

(g)

Use any meta tags or other hidden text or metadata utilizing a Murmur trademark, logo URL or product name without Murmur’s express written consent;

(h)

Use the Services or Content, or any portion thereof, for any commercial purpose or for the benefit of any third party or in any manner not permitted by these Terms;

(i)

Forge any TCP/IP packet header or any part of the header information in any email or newsgroup posting, or in any way use the Services or Content to send altered, deceptive or false source-identifying information;

(j)

Attempt to decipher, decompile, disassemble or reverse engineer any of the software used to provide the Services or Content;

(k)

Interfere with, or attempt to interfere with, the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, or mail-bombing the Services;

(l)

Collect or store any personally identifiable information from the Services from other users of the Services without their express permission;

(m)

Impersonate or misrepresent your affiliation with any person or entity;

(n)

Violate any applicable law or regulation; or

(o)

Encourage or enable any other individual to do any of the foregoing.

Although we’re not obligated to monitor access to or use of the Services or Content or to review or edit any Content, we have the right to do so for the purpose of operating the Services, to ensure compliance with these Terms and to comply with applicable law or other legal requirements. We reserve the right to remove or disable access to any Content, at any time and without notice, including, but not limited to, if we, at our sole discretion, consider any Content to be objectionable or in violation of these Terms. We have the right to investigate violations of these Terms or conduct that affects the Services. We may also consult and cooperate with law enforcement authorities to prosecute users who violate the law.

9. Links to Third Party Websites or Resources.

The Services may contain links to third-party websites or resources. We provide these links as a convenience and are not responsible for the content, products or services on or available from those websites or resources or links displayed on such websites. You acknowledge sole responsibility for and assume all risk arising from, your use of any third-party websites or resources.

10. Termination.

To the extent permitted by applicable law, we may terminate your access to and use of the Services, at our sole discretion, at any time and without notice to you. Where we terminate the Services other than as a result of your breach of these Terms, we will give you a pro-rata refund of any portion of unused Subscription Fees. You may cancel your Account at any time by sending an email to us at care@onmurmur.com or through your Account Settings page or through your Subscriptions page on the Site. Upon any termination, discontinuation or cancellation of the Services or your Account, the following Sections will survive: 5, 7, 11, and 13-16.

11. Warranty Disclaimers.

The laws of some jurisdictions do not permit the exclusion of implied or legal warranties, so some of the following disclaimers may not apply to you. TO THE EXTENT PERMITTED BY LAW, THE SERVICES AND CONTENT ARE PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND. WITHOUT LIMITING THE FOREGOING, WE EXPLICITLY DISCLAIM ANY IMPLIED WARRANTIES OF MERCHANTABILITY, QUALITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, TITLE AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. To the extent permitted by law, we make no warranty that the Services will meet your requirements or be available on an uninterrupted, secure, or error-free basis. We make no warranty regarding the quality, accuracy, timeliness, truthfulness, completeness or reliability of any Content.

12. Indemnity.

You will indemnify and hold harmless Murmur and its officers, directors, employees and agents, from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including, without limitation, reasonable legal and accounting fees arising out of or in any way connected with (i) your access to or use of the Services or Content or (ii) your violation of these Terms.

13. Limitation of Liability.

The laws of some jurisdictions do not permit certain limitations or exclusions of liability, so some of the following limitations may not apply to you. TO THE EXTENT PERMITTED BY APPLICABLE LAW:

(a)

NEITHER MURMUR NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SERVICES OR CONTENT WILL BE LIABLE FOR ANY INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOST REVENUES, LOST SAVINGS, LOST BUSINESS OPPORTUNITY, LOSS OF DATA OR GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE OR THE COST OF SUBSTITUTE SERVICES OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SERVICES OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT MURMUR OR ANY OTHER PARTY HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, EVEN IF A LIMITED REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

(b)

IN NO EVENT WILL MURMUR’S TOTAL LIABILITY ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SERVICES OR CONTENT EXCEED THE AMOUNTS YOU HAVE PAID TO MURMUR FOR USE OF THE SERVICES OR CONTENT OR ONE HUNDRED DOLLARS ($100), IF YOU HAVE NOT HAD ANY PAYMENT OBLIGATIONS TO MURMUR, AS APPLICABLE.

(c)

THE EXCLUSIONS AND LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE KEY ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN MURMUR AND YOU.

(d)

Notwithstanding anything to the contrary set out in clause 13(a)-(c) above, nothing in these Terms shall limit or exclude our liability to you for:

  • death or personal injury caused by our negligence;
  • fraud or fraudulent misrepresentation; or
  • any other liability that, by law, cannot be limited or excluded.

14. Governing Law and Jurisdiction for users in the European Union.

These Terms shall be governed by English law, except that if you are a consumer and live in a country of the European Union, other than England, there may be certain mandatory applicable laws of your country which apply for your benefit and protection in addition to or instead of certain provisions of English law. You agree that any dispute between us regarding these Terms will be dealt with only by the English courts, except that if you are a consumer and you live in a country of the European Union other than England, you can chose to bring legal proceedings either in your country or in England, but if we bring proceedings we may only do so in your country.

The European Online Dispute Resolution platform ec.europa.eu/consumers/odr/ provides information about alternative dispute resolution which may be of interest, but we are under no legal obligation to use this platform. It is a requirement that this information is provided, but neither of us have an obligation to use the platform.

15. Governing Law and Forum Choice — Users in the United States.

These Terms and any action related thereto will be governed by the Federal Arbitration Act, federal arbitration law, and the laws of the State of California, without regard to its conflict of laws provisions. Except as otherwise expressly set forth in Section 16 “Dispute Resolution,” the exclusive jurisdiction for all Disputes (defined below) that you and Murmur are not required to arbitrate will be the state and federal courts located in the Southern District of California, and you and Murmur each waive any objection to jurisdiction and venue in such courts.

16. Dispute Resolution.

This section is subject to applicable law and may not apply to you.

(a) Mandatory Arbitration of Disputes.

Subject to applicable law, we each agree that any dispute, claim or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation or validity thereof or the use of the Services or Content (collectively, “Disputes“) will be resolved solely by binding, individual arbitration and not in a class, representative or consolidated action or proceeding. For residents of the United States, you and Murmur agree that the U.S. Federal Arbitration Act governs the interpretation and enforcement of these Terms, and that you and Murmur are each waiving the right to a trial by jury or to participate in a class action. For residents of Canada, you and Murmur agree that the arbitration legislation of your province or territory governs the interpretation and enforcement of these Terms. This arbitration provision shall survive termination of these Terms.

(b) Exceptions and Opt-out.

As limited exceptions to Section 16(a) above: (i) you may seek to resolve a Dispute in small claims court if it qualifies; and (ii) we each retain the right to seek injunctive or other equitable relief from a court to prevent (or enjoin) the infringement or misappropriation of our intellectual property rights. In addition, you will retain the right to opt out of arbitration entirely and litigate any Dispute if you provide us with written notice of your desire to do so by email at care@onmurmur.com within thirty (30) days following the date you first agree to these Terms.

(c) Conducting Arbitration and Arbitration Rules.

The arbitration will be conducted by the American Arbitration Association (“AAA“) under its Consumer Arbitration Rules (the “AAA Rules“) then in effect, except as modified by these Terms. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879. A party who wishes to start arbitration must submit a written Demand for Arbitration to AAA and give notice to the other party as specified in the AAA Rules. The AAA provides a form Demand for Arbitration at www.adr.org.

If your claim is for U.S. $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic or video-conference hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds U.S. $10,000, the right to a hearing will be determined by the AAA Rules. Any arbitration hearings will take place in the county (or parish or Canadian municipality) where you live, unless we both agree to a different location. For users in Canada, If the AAA is unable to facilitate an arbitration hearing within a reasonable distance from the Canadian municipality where you live, Murmur agrees to arbitration through the arbitration service that is closest to your residence; In such circumstances, if you and Murmur cannot agree on arbitral rules to apply, the arbitrator shall select the rules that the arbitrator, in his or her sole discretion, deems to be best suited for the fair and efficient resolution of the dispute and, to the extent that you and Murmur cannot agree on an arbitrator, the arbitration service shall appoint one. The parties agree that the arbitrator shall have exclusive authority to decide all issues relating to the interpretation, applicability, enforceability and scope of this arbitration agreement.

(d) Arbitration Costs.

Payment of all filing, administration and arbitrator fees will be governed by the AAA Rules. We’ll pay for all filing, administration and arbitrator fees and expenses if your Dispute is for less than $10,000, unless the arbitrator finds your Dispute frivolous. If we prevail in arbitration we’ll pay all of our attorneys’ fees and costs and won’t seek to recover them from you. If you prevail in arbitration you will be entitled to an award of attorneys’ fees and expenses to the extent provided under applicable law.

(e) Class Action Waiver.

YOU AND MURMUR AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND, SUBJECT TO APPLICABLE LAW, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if the parties’ dispute is resolved through arbitration, the arbitrator may not consolidate another person’s claims with your claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this Dispute Resolution section shall be null and void.

(f) Effect of Changes on Arbitration.

Notwithstanding the provisions of Section 3 “Changes to Terms or Services” above, if Murmur changes any of the terms of this Section 16 “Dispute Resolution” after the date you first accepted these Terms (or accepted any subsequent changes to these Terms), you may reject any such change by sending us written notice (including by email to care@onmurmur.com) within 30 days of the date such change became effective, as indicated in the “Last Updated” date above or in the date of Murmur’s email to you notifying you of such change. By rejecting any change, you are agreeing that you will arbitrate any Dispute between you and Murmur in accordance with the terms of this Section 16 “Dispute Resolution” as of the date you first accepted these Terms (or accepted any subsequent changes to these Terms).

(g) Severability.

With the exception of any of the provisions in Section 16(e) of these Terms (“Class Action Waiver”), if an arbitrator or court of competent jurisdiction decides that any part of these Terms is invalid or unenforceable, the other parts of these Terms will still apply.

17. General Terms.

(a) Entire Agreement.

These Terms constitute the entire understanding and agreement between Murmur and you regarding the Services and Content, and these Terms supersede and replace any and all prior oral or written understandings or agreements between Murmur and you regarding the Services and Content. If any provision of these Terms is held invalid or unenforceable by an arbitrator or a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect. You may not assign or transfer these Terms, by operation of law or otherwise, without Murmur’s prior written consent. Any attempt by you to assign or transfer these Terms, without such consent, will be null. Murmur may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns.

(b) Notices.

Any notices or other communications provided by Murmur under these Terms, including those regarding modifications to these Terms, will be given: (i) via email; or (ii) by posting to the Services. For notices made by e-mail, the date of receipt will be deemed the date on which such notice is transmitted.

(c) Waiver of Rights.

Murmur’s failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Murmur. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise.

18. Contact Information.

If you have questions about these Terms or the Services, please contact Murmur at care@onmurmur.com.