Terms of Service

1. Acceptance of Terms

Welcome to Mumokshu (“Platform,” “we,” “us,” or “our”). By accessing or using our website at $mumokshu.com, our mobile applications, or any related services (collectively, the “Services”), you agree to be bound by these Terms of Service (“Terms”).

If you do not agree with any part of these Terms, you must not access or use the Services. We recommend that you print or save a copy of these Terms for your records.

These Terms constitute a legally binding agreement between you and Mumokshu Pty Ltd ([ABN pending — contact legal@mumokshu.com]), a company registered in New South Wales, Australia. For users in the United States, services are provided by Mumokshu Inc. ([EIN pending — contact legal@mumokshu.com]), a Delaware corporation. The applicable entity depends on your region of residence.

2. Definitions

In these Terms, unless the context requires otherwise:

• “Platform” means the Mumokshu website, mobile applications, and all related technology and services operated by Mumokshu Pty Ltd.
• “Teacher” means any individual or entity that lists, offers, or provides wellness classes, retreats, recordings, memberships, or other services through the Platform. This includes independent yoga teachers, pilates instructors, wellness practitioners, and studio operators.
• “Student” means any individual who browses, books, or purchases classes, recordings, memberships, pass packs, retreats, or other services offered through the Platform.
• “Services” means the marketplace services provided by the Platform, including class listings, booking management, payment processing, scheduling tools, on-demand recordings, membership management, and communication features.
• “Content” means any text, images, videos, audio, recordings, class descriptions, profiles, reviews, and other materials uploaded, posted, or transmitted through the Platform.
• “User” means any person who accesses or uses the Platform, whether as a Teacher, Student, or visitor.
• “Booking” means a confirmed reservation or purchase of a class, session, retreat, recording, membership, or pass pack through the Platform.

3. Account Registration & Eligibility

3.1 General Requirements

To access certain features of the Platform, you must create an account. You agree to provide accurate, current, and complete information during registration and to keep your account information up to date.

3.2 Age Requirements

• Teachers: You must be at least 18 years of age to register as a Teacher on the Platform.
• Students: You must be at least 16 years of age to create a Student account. If you are between 16 and 18, you must have the consent of a parent or legal guardian, who agrees to be bound by these Terms on your behalf.
• Minors under 16: Persons under 16 may only use the Platform under the direct supervision of a parent or legal guardian who holds the account and accepts full responsibility.

3.3 Account Security

You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You must immediately notify us at support@mumokshu.com if you suspect any unauthorised use of your account.

3.4 One Account Per Person

Each individual may only maintain one account of each type (Teacher or Student). We reserve the right to merge or terminate duplicate accounts.

4. Platform Services

4.1 Marketplace Only

Mumokshu is a marketplace platform that connects Students with Teachers. We do not provide yoga instruction, fitness training, wellness services, health advice, or any form of professional training. We are not a yoga studio, fitness centre, health provider, or educational institution. This applies to all disciplines available on the Platform, including but not limited to yoga, pilates, group fitness, kickboxing, dance, meditation, and breathwork.

4.2 No Employment Relationship

Teachers listed on the Platform are independent third parties, not employees, agents, or representatives of Mumokshu. We do not control, direct, or supervise Teachers' methods of instruction, schedules, or business practices.

4.3 Mobile Applications

Our Services include mobile applications available on iOS (Apple App Store) and Android (Google Play Store). Use of the mobile applications is subject to these Terms as well as the applicable app store terms. We are not responsible for third-party app store policies, and your use of native device features (biometrics, push notifications, camera) is governed by your device manufacturer's privacy settings.

4.4 Service Availability

We strive to maintain Platform availability but do not guarantee uninterrupted access. We may perform maintenance, updates, or modifications at any time, with reasonable notice where practicable. The Platform operates across multiple regions (including Australia, United States, India, United Kingdom, and Canada) and availability may vary by jurisdiction.

5. Teacher Obligations

5.1 Accurate Listings

Teachers must ensure that all class listings, profiles, qualifications, pricing, schedules, and descriptions are accurate, complete, and not misleading. Any certifications or qualifications listed must be currently valid.

5.2 Qualified Instruction

Teachers represent and warrant that they possess appropriate qualifications, training, and experience to provide the services they list. Teachers are solely responsible for the quality, safety, and legality of the instruction and services they deliver.

5.3 Insurance

We strongly recommend that all Teachers maintain appropriate professional indemnity and/or public liability insurance covering their teaching activities. For Teachers operating in Australia, professional insurance is strongly advised and may be required by certain venue operators.

5.4 Independent Contractor Status

Teachers acknowledge and agree that they are independent contractors and not employees, workers, agents, or partners of Mumokshu. Nothing in these Terms creates an employment, partnership, joint venture, or agency relationship between Teachers andMumokshu. Teachers are solely responsible for:

• Setting their own schedules, prices, and cancellation policies
• Providing their own equipment and teaching materials
• Managing their own client relationships outside the Platform
• Compliance with all applicable laws and regulations in their jurisdiction

5.5 Tax Obligations

Teachers are solely responsible for determining and fulfilling their own tax obligations, including but not limited to income tax, goods and services tax (GST), value added tax (VAT), sales tax, and any other applicable taxes in their jurisdiction. Mumokshu does not withhold taxes on behalf of Teachers and will issue tax-related documents (such as 1099 forms for US-based Teachers) where required by law. We recommend consulting with a qualified tax professional.

5.6 Compliance with Laws

Teachers must comply with all applicable local, state, national, and international laws and regulations, including consumer protection laws, data protection laws, and any licensing or permit requirements for their teaching activities.

6. Student Obligations

6.1 Accurate Information

Students must provide accurate personal and contact information and keep it up to date. Students are responsible for communicating any relevant health conditions, injuries, or limitations to their Teacher before participating in any class.

6.2 Respectful Behaviour

Students agree to treat Teachers and other Users with respect and courtesy. Harassment, abuse, discrimination, or disruptive behaviour of any kind is prohibited and may result in immediate account termination.

6.3 Health Disclaimer & Assumption of Risk

Participation in yoga, pilates, fitness, and wellness activities involves inherent physical risks. By booking and attending classes through the Platform, Students acknowledge that:

• They are participating voluntarily and at their own risk
• They should consult a qualified medical professional before beginning any new exercise or wellness program, particularly if they have pre-existing health conditions, injuries, or are pregnant
• Mumokshu is not responsible for any injury, illness, or adverse health outcome resulting from participation in classes booked through the Platform
• They are responsible for determining whether a particular class or activity is appropriate for their fitness level and health status

7. Booking & Payments

7.1 How Booking Works

Students may browse class listings and book sessions directly through the Platform. A Booking is confirmed once payment has been successfully processed. You will receive a confirmation email with Booking details.

7.2 Payment Processing

All payments are processed securely through Stripe, our third-party payment processor. By making a payment, you agree to Stripe's Terms of Service and Privacy Policy. Mumokshu does not store your full credit card details on our servers.

7.3 Platform Commission

Mumokshu charges a platform commission on each transaction. The standard commission rate is 5% of the transaction amount for Teachers on the Free plan. Teachers on paid subscription plans (Pro and Business) may be eligible for reduced commission rates as detailed in their plan terms. The commission is automatically deducted before funds are transferred to the Teacher.

7.4 Teacher Payouts

Teacher earnings (less platform commission and applicable payment processing fees) are transferred to the Teacher's connected Stripe account. Payout timing depends on the Teacher's Stripe account settings and country, but typically occurs within 2–7 business days after the class is completed. Mumokshu uses Stripe Connect to facilitate direct payouts to Teachers.

7.5 Currency Handling

Teachers set their prices in their preferred currency. Students may be charged in the Teacher's listed currency or their local currency, depending on payment method and location. Any currency conversion is handled by Stripe or the Student's payment provider, and exchange rate fees may apply. Mumokshu is not responsible for exchange rate fluctuations or conversion fees.

7.6 Pricing

Teachers set their own prices for classes, recordings, memberships, and pass packs. All prices displayed on the Platform are set by the Teacher and may or may not include applicable taxes, depending on the Teacher's jurisdiction and settings. Students are responsible for any additional taxes, duties, or fees that may apply.

8. Cancellation & Refunds

8.1 Teacher-Set Cancellation Policies

Each Teacher sets their own cancellation and refund policy, which is displayed on their class listing. By making a Booking, you agree to the Teacher's stated cancellation policy. Common policies include:

• Flexible: Full refund if cancelled 24+ hours before class
• Moderate: Full refund if cancelled 48+ hours before class
• Strict: Full refund if cancelled 7+ days before class; 50% refund within 7 days

8.2 Platform Refund Processing

Refunds are processed through the Platform in accordance with the Teacher's stated cancellation policy. If a Teacher cancels a class, Students will receive a full refund. Refunds are returned to the original payment method and may take 5–10 business days to appear on your statement.

8.3 Non-Refundable Items

The following are generally non-refundable:

• Platform service fees and payment processing fees
• Completed classes (after attendance or after the class end time)
• On-demand recordings once accessed or downloaded
• Subscription fees for the current billing period after the cancellation window

8.4 Dispute Resolution for Refunds

If you believe you are entitled to a refund that has not been processed in accordance with the applicable cancellation policy, please contact us at support@mumokshu.com within 30 days of the Booking date. We will review the request and facilitate resolution between the Student and Teacher.

9. Subscriptions

9.1 Subscription Plans

Mumokshu offers subscription plans for Teachers and Studios, including Free, Pro, and Business tiers. Each plan provides different features, commission rates, and support levels as detailed on our Pricing page.

9.2 Auto-Renewal

Paid subscription plans (Pro and Business) automatically renew at the end of each billing cycle (monthly or annual) unless cancelled before the renewal date. You will be charged at the then-current rate for your plan.

9.3 Cancellation of Subscriptions

You may cancel your subscription at any time through your account settings. Upon cancellation:

• You will retain access to your paid features until the end of the current billing period
• Your account will revert to the Free plan at the end of the billing period
• No prorated refunds are provided for partial billing periods
• Any reduced commission rates associated with your plan will revert to the standard rate

9.4 Price Changes

We may adjust subscription pricing with at least 30 days' prior notice. Price changes will take effect at the start of your next billing cycle. If you do not agree with a price change, you may cancel your subscription before it renews.

10. Retreats

10.1 Special Terms for Retreats

Retreats are multi-day or multi-session experiences that may involve accommodation, travel, meals, and other services in addition to wellness instruction. Due to the nature of retreats, special terms apply.

10.2 Deposits & Installments

Teachers may require a non-refundable deposit to secure a retreat booking. Where offered, Students may pay the balance in installments according to the payment schedule set by the Teacher. Failure to make installment payments on time may result in forfeiture of the deposit and cancellation of the booking.

10.3 Retreat Cancellation

Retreat cancellation policies are set by the Teacher and are typically more restrictive than standard class policies due to the logistical commitments involved. Common deadlines include:

• 60+ days before: Full refund less deposit
• 30–59 days before: 50% refund less deposit
• Less than 30 days: No refund

Students are strongly encouraged to purchase travel insurance that covers cancellation, medical expenses, and interruption for retreat bookings.

10.4 Force Majeure

If a retreat is cancelled due to circumstances beyond the reasonable control of the Teacher or Platform — including but not limited to natural disasters, pandemics, government restrictions, war, terrorism, or severe weather (“Force Majeure Event”) — the Teacher will use reasonable efforts to offer alternative dates or a credit. Refund terms during Force Majeure Events will be determined on a case-by-case basis, taking into account non-recoverable costs incurred by the Teacher.

11. Content & Intellectual Property

11.1 Teacher Content Ownership

Teachers retain full ownership of all Content they create and upload to the Platform, including class descriptions, photographs, videos, recordings, course materials, and branded elements.

11.2 Platform Licence

By uploading Content to the Platform, Teachers grant Mumokshu a non-exclusive, worldwide, royalty-free licence to display, distribute, reproduce, and promote that Content solely in connection with operating and marketing the Platform. This licence terminates when the Teacher removes the Content or closes their account, except for Content that has been shared or purchased by Students prior to removal.

11.3 Student Use of Content

Students may access Content (including on-demand recordings) solely for personal, non-commercial use. Students must not:

• Copy, reproduce, distribute, or publicly display any Content
• Record, screenshot, or capture live classes or on-demand sessions
• Share access credentials to allow others to view purchased Content
• Use Content for commercial purposes, including teaching or resale

11.4 Platform Intellectual Property

The Mumokshu name, logo, brand elements, website design, software, and proprietary technology are the exclusive property of Mumokshu Pty Ltd and are protected by copyright, trademark, and other intellectual property laws. You may not use our intellectual property without prior written permission.

12. Privacy

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which forms part of these Terms. By using the Platform, you consent to the collection and use of your information as described in the Privacy Policy.

We comply with the Australian Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and applicable international data protection regulations including the EU General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA) where applicable.

13. Prohibited Conduct

You agree not to engage in any of the following prohibited activities:

• Fraud: Providing false identity information, creating fake accounts, or engaging in payment fraud, chargebacks, or money laundering
• Harassment: Harassing, threatening, bullying, or intimidating other Users, including unwelcome contact outside of the Platform
• Fake Reviews: Posting false, misleading, or incentivised reviews, or manipulating the review system in any way
• Spam: Sending unsolicited messages, advertising unrelated products or services, or using the Platform for purposes unrelated to wellness services
• Circumvention: Encouraging or facilitating transactions outside the Platform to avoid paying commission or fees
• Illegal Activity: Using the Platform for any unlawful purpose or in violation of any local, national, or international laws
• Security Violations: Attempting to gain unauthorised access to the Platform, other User accounts, or any computer systems or networks connected to the Platform
• Harmful Content: Uploading viruses, malware, or any content that is offensive, defamatory, obscene, or otherwise objectionable
• Scraping: Using automated tools, bots, or scrapers to extract data from the Platform without our express written consent

14. Limitation of Liability

14.1 Platform as Marketplace — Not Liable

Mumokshu is a marketplace that facilitates connections between Students and Teachers. We are not a party to the transaction between Students and Teachers. To the maximum extent permitted by law, we are not liable for:

• The quality, safety, or legality of any class, session, retreat, or service listed by Teachers
• Any physical injury, illness, strain, or adverse health outcome resulting from participation in any class, fitness session, or wellness activity — including but not limited to yoga, HIIT, kickboxing, strength training, dance, or any other discipline
• The accuracy of Teacher qualifications, certifications, insurance coverage, or profile information
• Any dispute between a Student and a Teacher regarding service delivery, quality, or scheduling
• Any loss or damage arising from a Teacher's failure to deliver a booked service
• Any health complications arising from following wellness, nutrition, or mindfulness advice provided by Teachers through the Platform
• Any loss of data, device damage, or issues arising from use of our mobile applications

14.2 Assumption of Risk

By booking and attending any class or session through the Platform, you acknowledge that physical activities carry inherent risks of injury. You assume full responsibility for assessing your own physical condition and fitness level before participating. We strongly recommend consulting a medical professional before engaging in any new physical activity, particularly high-intensity fitness classes.

14.3 Maximum Liability

To the maximum extent permitted by applicable law, Mumokshu's total aggregate liability to you for any claims arising out of or related to these Terms or your use of the Platform shall not exceed the greater of: (a) the total fees paid by you toMumokshu in the 12 months preceding the claim, or (b) AUD $100.

14.4 Exclusion of Consequential Damages

To the maximum extent permitted by law, in no event shall Mumokshu be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, goodwill, or business opportunity, regardless of the cause of action or theory of liability.

14.5 Third-Party Payment Processors

We use third-party payment processors (including Stripe, Razorpay, Apple Pay, and Google Pay) to facilitate transactions. We are not liable for any errors, delays, or failures in payment processing, currency conversion, or fund transfers caused by these third-party providers.

14.6 Australian Consumer Law

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other applicable consumer protection law that cannot be excluded, restricted, or modified by agreement.

14.7 Jurisdictional Variations

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability is limited to the maximum extent permitted by applicable law. For users in the United States, this limitation applies to the fullest extent permitted under state and federal law.

15. Indemnification

You agree to indemnify, defend, and hold harmless Mumokshu, its directors, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to:

• Your use of the Platform or violation of these Terms
• Your Content or any activity conducted through your account
• Your violation of any law, regulation, or third-party rights
• Any dispute between you and another User of the Platform
• For Teachers: any claims related to the services you provide, including personal injury, professional negligence, or consumer complaints

16. Dispute Resolution

16.1 Informal Resolution

Before initiating formal dispute resolution proceedings, you agree to first attempt to resolve any dispute informally by contacting us at legal@mumokshu.com. We will endeavour to resolve the dispute through good-faith negotiation within 30 days.

16.2 Mediation

If informal resolution is unsuccessful, the parties agree to submit the dispute to mediation administered by the Australian Disputes Centre (ADC) in Sydney, New South Wales, in accordance with the ADC Mediation Guidelines. The costs of mediation shall be shared equally between the parties.

16.3 Arbitration

If mediation does not resolve the dispute within 60 days, either party may refer the dispute to binding arbitration administered by the Australian Centre for International Commercial Arbitration (ACICA) under ACICA Arbitration Rules. The arbitration shall take place in Sydney, New South Wales, and be conducted in English.

16.4 Governing Law

These Terms are governed by and construed in accordance with the laws of New South Wales, Australia. Subject to the dispute resolution procedures above, the courts of New South Wales shall have exclusive jurisdiction over any dispute arising from these Terms.

16.4.1 United States Users

For users residing in the United States, disputes shall be governed by the laws of the State of Delaware without regard to its conflict of law provisions. Any disputes not resolved through mediation may be brought in the state or federal courts located in Delaware. Notwithstanding the foregoing, you retain any rights under applicable state consumer protection laws that cannot be waived by contract.

16.5 Class Action Waiver

To the extent permitted by law, you agree that any dispute resolution proceedings will be conducted on an individual basis and not as part of a class, consolidated, or representative action.

17. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will:

• Update the “Last Updated” date at the top of this page
• Notify registered Users by email at least 14 days before the changes take effect
• Display a prominent notice on the Platform

Your continued use of the Platform after the effective date of any modification constitutes your acceptance of the updated Terms. If you do not agree with the modified Terms, you must stop using the Platform and close your account.

18. Termination

18.1 Termination by You

You may close your account and terminate these Terms at any time by contacting us at support@mumokshu.com or through your account settings. Termination does not relieve you of any obligations incurred before termination, including outstanding payments or active Bookings.

18.2 Termination by Us

We may suspend or terminate your account at any time, with or without notice, if we reasonably believe that:

• You have violated these Terms or any applicable law
• Your conduct poses a risk to other Users, the Platform, or third parties
• Your account has been involved in fraudulent or suspicious activity
• You have not used your account for an extended period (12+ months)

18.3 Effect of Termination

Upon termination:

• Your right to access the Platform will cease immediately
• For Teachers: any pending payouts will be processed in accordance with our standard payout schedule, subject to any holds for disputes or chargebacks
• Any licences granted to you under these Terms will terminate
• Provisions that by their nature should survive termination (including Sections 11, 14, 15, and 16) will continue in full force and effect

19. Contact Information

If you have any questions, concerns, or feedback about these Terms, please contact us: