Terms of Service

These Terms of Service ("Terms") govern your access to and use of the MultiMFA platform and related services provided by MultiMFA, Inc. ("MultiMFA", "we", "us", or "our"). Our services include MultiMFA SMS (shared SMS verification using VoIP-based numbers), MultiMFA SMS (Cell) (shared SMS verification using carrier-issued mobile numbers, which may be offered as a coming-soon or generally available service as described on our website), MultiMFA TOTP (shared app-based codes and viewer logins), MultiMFA Authenticator, and RoboMFA (automated MFA relay). By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not use our services.

1. Eligibility & Account Registration

You must be at least 18 years old and capable of forming a binding contract to use MultiMFA. You agree to provide accurate, current, and complete information during registration and to keep your account information up to date. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You may create more than one account. You may not use additional accounts to obtain additional free trials or to otherwise circumvent trial limits or other restrictions in these Terms (see Section 2).

2. Free Trial

MultiMFA offers a 14-day free trial for MultiMFA SMS, which includes up to two relay users and up to 25 MFA texts, and for MultiMFA TOTP, which includes up to two viewer logins. No credit card is required to start the trial, and you have no payment obligation during the trial. The free trial is your opportunity to evaluate whether MultiMFA meets your needs before you purchase a paid subscription. At the end of the trial period, continued use of SMS or TOTP services requires selecting a paid subscription plan. RoboMFA plans are available after signup as described on our Pricing page. MultiMFA SMS (Cell) is not offered on a free trial and, until generally available, is offered only as a waitlist / interest program unless we expressly invite you to a limited pilot. Trial limitations and eligibility are subject to change at our discretion.

One free trial per person and per network. You may create additional accounts, including with additional or alternate email addresses. Additional accounts are not entitled to additional free trials. A free trial may be used once per person (including the same name) and once per network or IP address; only the first account from that person or network may start a free trial. Using additional email addresses or accounts to obtain extra free trials is a violation of these Terms. If we determine that you have done so, we will ban you from the MultiMFA platform. Additional trials on a single existing account may be granted only by MultiMFA at our discretion (for example, an extension we provide to a customer). Those grants do not authorize extra trials on new accounts.

3. Subscriptions, Billing, Refunds & Cancellation

3.1 Subscriptions & renewal

MultiMFA SMS, MultiMFA TOTP, and RoboMFA are offered on a subscription basis. When you purchase a paid plan, you receive a subscription (sometimes described as a license) to use the applicable services for the billing period and plan capacity you select. Monthly subscriptions are billed monthly. Yearly subscriptions are billed in full in advance for the year. By subscribing, you authorize us to charge your payment method on a recurring monthly or yearly basis, as selected. All plans auto-renew unless you turn off auto-renewal before the renewal date. MultiMFA SMS (Cell) is billed separately as described in Section 3.7 and is not offered on a monthly subscription.

SMS Organization licenses are sold by included relay-user capacity for each MultiMFA number. Your selected capacity, included usage, billing interval, and price are shown at checkout and in the applicable account or billing controls. Current plan options, prices, and usage limits are described on our Pricing page. You may not add relay users or viewer logins above the capacity you purchased unless you first upgrade or purchase additional capacity. SMS usage beyond an included allowance is not charged automatically; where offered, additional SMS usage requires purchasing prepaid credit at the rate disclosed before purchase.

Plan or capacity increases generally take effect immediately and may result in a prorated charge for the remainder of the current billing period. Plan or capacity decreases generally take effect on the next renewal date. Before a decrease takes effect, you may be required to select or remove relay users, viewer logins, licenses, or other resources that exceed the new limit. Switching from monthly to yearly billing may take effect immediately, with the yearly fee charged in advance; unless required by law, no refund or prorated credit is issued for unused time in the prior monthly period. We may change prices for future billing periods by posting updated pricing and providing any notice required by applicable law.

3.2 Refunds

All fees are non-refundable. Once you purchase a paid subscription, including a yearly subscription billed in advance, a MultiMFA SMS (Cell) annual prepaid term, or the MultiMFA SMS (Cell) setup fee, we do not provide refunds, credits, or charge reversals for that purchase or for any unused time remaining in your current billing period—including if you stop using the service, purchased the wrong plan, capacity, or billing interval by mistake, or change your mind. We incur real costs when you subscribe (for example, carrier, infrastructure, hardware, and operational costs), and your payment covers the subscription term you selected. Because we offer a free trial with no payment obligation for MultiMFA SMS and MultiMFA TOTP (see Section 2), you are expected to use that trial to decide whether to subscribe to those products. MultiMFA SMS (Cell) has no free trial. If applicable law requires a different result for certain consumers, we will honor those requirements; otherwise, this no-refund policy applies to the fullest extent permitted by law.

3.3 Cancellation

You may stop future renewals at any time by turning off auto-renewal (or otherwise canceling your subscription) through the account and billing controls we provide. That action is how you cancel: your subscription remains active for the rest of the billing period you have already paid for, and you retain access to the service until the end of that period. We do not refund fees for the remainder of a period you have already paid for. If you do not renew after that period ends, your paid subscription (license) ends and your access to the service ceases as described below.

3.4 When your subscription ends

When your paid subscription ends and is not renewed—whether because you turned off auto-renewal, payment failed, or we terminated access in accordance with these Terms—your right to use the service for that subscription stops. Any SMS telephone number or similar resource we assigned to your subscription may be released back to our underlying provider and reassigned; you will no longer have access to MultiMFA for that subscription and will not receive SMS messages through MultiMFA-assigned numbers associated with it.

3.5 Your responsibility: MFA and third-party accounts

You are solely responsible for updating any third-party accounts, services, or logins where you registered or verified a MultiMFA-provided phone number or relied on MultiMFA for MFA before your subscription ends or before you lose access. After your subscription ends, you may be unable to receive codes or messages at that number, which can prevent you from signing in or recovering access to those third-party accounts.

Failure to replace a MultiMFA number with your own number or another MFA method in those third-party services before your subscription lapses can leave you locked out of your accounts. MultiMFA is not responsible for loss of access to third-party services, account lockouts, or any damages arising from your failure to update your MFA or contact information before your subscription ends.

3.6 Bulk license purchasing

MultiMFA may offer bulk license purchasing for SMS and/or TOTP seats. If you use bulk licensing, the following terms apply:

• All licenses purchased in bulk renew on the same billing anniversary date for that bulk subscription, using the monthly or yearly interval selected at purchase.
• You may add additional licenses at any time. Added licenses are prorated for the remainder of the current billing period.
• On your next renewal date, billing reflects the updated total number of active bulk licenses.
• You may remove licenses at any time, but removed licenses remain active through the end of the current billing period and are removed at the next renewal.
• We do not provide partial credits or refunds for unused time within a billing period.

For SMS bulk licensing, if you schedule seat reductions or cancellation, associated numbers and any related relay-user access for removed seats may remain active until the end of the current billing period and then be removed or released at renewal.

3.7 MultiMFA SMS (Cell) fees

When MultiMFA SMS (Cell) is offered for purchase, it is a prepaid annual service only. It is not sold on a monthly plan and is not offered on a free trial. MultiMFA SMS (Cell) depends on a real cellular service plan that MultiMFA maintains with a wireless carrier for a 12-month (or similar) term. Because that underlying cellular contract is prepaid and cannot be billed month-to-month in the same way as MultiMFA SMS, you must prepay the MultiMFA SMS (Cell) service fee annually for each assigned number, in the amount disclosed at purchase and on our Pricing page. Unless we expressly agree otherwise in writing, annual Cell service terms auto-renew for successive prepaid annual periods and you authorize us to charge the then-current annual fee unless you cancel renewal before the renewal date as described in Section 3.3.

In addition to the annual prepaid service fee, MultiMFA SMS (Cell) requires a one-time setup fee of $250 (or such other setup amount as we disclose at purchase) for each Cell number we provision for you. That setup fee exists because MultiMFA must procure dedicated hardware and related equipment to receive cellular messages for your assigned number. The setup fee is due before or at provisioning, is separate from the annual prepaid service fee, and is non-refundable once hardware procurement or provisioning has begun, including if you later cancel, do not use the service, or the assignment ends before the annual term expires.

Until MultiMFA SMS (Cell) is generally available, it may be offered only as a waitlist or limited pilot. Joining a waitlist, registering interest, or paying a quote we issue does not change these billing rules. Current or planned pricing shown publicly is not a commitment to sell the product on other terms (including monthly billing or a waived setup fee) unless we expressly agree in writing.

4. Acceptable Use

You agree to use MultiMFA only for lawful purposes, only with accounts and systems you are authorized to access, and in accordance with our Acceptable Use Policy. Prohibited activities include, but are not limited to, unauthorized access, unauthorized MFA interception, account farming, mass verification abuse, impersonation, public SMS verification resale, sending spam, distributing malware, and violating the rights of others. MultiMFA SMS and MultiMFA SMS (Cell) exist to provide legitimate teams with a shared MFA number where that workflow is authorized; they are not a means to circumvent account ownership or security controls.

5. Service Availability, Telecommunications & Support

5.1 Commercially reasonable efforts; no 100% uptime guarantee

MultiMFA uses commercially reasonable efforts to maintain service availability but does not guarantee 100% uptime. MultiMFA is provided "as is" and "as available" without warranties of any kind, except where a separately signed agreement or our Service Level Agreement expressly provides an availability objective for the application layer we operate. We may perform maintenance or updates that could temporarily affect availability. Support is available via our support channels as described on our website.

5.2 Third-party telecommunications and infrastructure dependencies

MultiMFA services rely on third parties that we do not control, including cellular carriers, VoIP providers, cloud and hosting providers, Internet infrastructure, email providers, telecommunications networks, and third-party APIs. Outages, maintenance, filtering, congestion, hardware failure, carrier policy changes, force majeure, and similar events on those paths can delay, degrade, or prevent service even when MultiMFA software is operating correctly.

5.3 Message delivery

MultiMFA does not guarantee delivery of every SMS, cellular message, email, MFA code, or other authentication message. Delivery depends on originating senders, carriers, recipient devices and inboxes, third-party filtering, and the public Internet.

5.4 Third-party compatibility

Third parties may reject numbers, change verification rules, filter messages, stop supporting a method, or change authentication policies without notice. MultiMFA cannot guarantee that any particular bank, financial institution, cloud provider, or other service will accept a MultiMFA number or deliver MFA messages to it.

5.5 MultiMFA SMS (Cell)

When offered, MultiMFA SMS (Cell) provides a carrier-issued mobile number that MultiMFA manages for inbound authentication messages, which MultiMFA then relays to your authorized users. MultiMFA SMS (Cell) is a cellular-network service. It depends on wireless carriers, radio access networks, towers and backhaul, SIM or equivalent credentials, receiving hardware, device and power availability, and related telecommunications infrastructure that MultiMFA does not control. Cellular coverage, congestion, maintenance, roaming, filtering, throttling, hardware failure, weather, force majeure, regulatory action, and carrier outages can delay, degrade, interrupt, or prevent receipt or relay of messages even when MultiMFA software is operating correctly. Those events are outside MultiMFA's control. MultiMFA does not guarantee continuous cellular connectivity, coverage at any location, or that any particular authentication message will be received or relayed.

Unless a separately signed agreement expressly says otherwise, MultiMFA's Service Level Agreement availability objective applies to the application layer we operate and does not apply to cellular carrier networks, radio coverage, or inbound cellular message delivery. Cellular or carrier unavailability does not entitle you to a refund, credit, or extension of a prepaid annual term. Third-party acceptance of a Cell number cannot be guaranteed. Until general availability, MultiMFA SMS (Cell) may be described as Coming Soon; joining a waitlist does not create a right to service, a launch date, or a numbered place in line.

5.6 Number control, termination, and quarantine

Telephone numbers and similar routing resources used with MultiMFA SMS or MultiMFA SMS (Cell) remain under MultiMFA operational control unless otherwise agreed in writing. When your subscription or assignment ends, you must remove assigned numbers from third-party accounts prior to termination where practicable. MultiMFA may quarantine, retire, or reassign numbers before reuse. After termination or quarantine, you may no longer receive messages at that number.

6. Data Privacy & Security

Your privacy and security are important to us. Please review our Privacy Policy for details on how we collect, use, and protect your information. You are responsible for safeguarding your own credentials and for promptly reporting any unauthorized access or security incidents.

7. SMS Text Messaging Policy (Opt-In/Opt-Out)

7.1 SMS Notifications

As part of MultiMFA SMS, MultiMFA SMS (Cell) when offered, and RoboMFA, we may send text messages (SMS) to the mobile number you provide. These messages may include, but are not limited to:

• Multi-factor authentication (MFA) codes
• Account-related notifications or alerts
• Security and usage updates
• Promotional or marketing content (only if you explicitly opt in)

Message frequency will depend on your usage of the service. Standard message and data rates may apply as determined by your mobile carrier.

7.2 Opting In

You may opt in to receive SMS messages either during the signup process or through your account settings. By opting in, you confirm that:

• You are the owner or authorized user of the phone number provided
• You consent to receive SMS messages from MultiMFA

7.3 Opting Out

You may opt out of receiving SMS messages at any time by:

• Replying STOP to any SMS you receive from us
• Updating your communication preferences in your account settings
• Contacting us at [email protected]

Following an opt-out request, we may send a final confirmation message. Opting out of SMS may affect your ability to use certain MFA-related features.

7.4 SMS Data Handling

Your phone number and SMS-related data are handled in accordance with our Privacy Policy. We do not sell your mobile number or use it for third-party marketing.

8. Termination

We reserve the right to suspend or terminate your access to MultiMFA at our sole discretion, with or without notice, for conduct that we believe violates these Terms, our Acceptable Use Policy, or is otherwise harmful to us, our users, or third parties.

9. Limitation of Liability

To the maximum extent permitted by law, MultiMFA and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or related to your use of the service, including loss of access to third-party accounts or missed authentication messages caused by cellular-carrier, VoIP-provider, email-provider, or other third-party network outages or policy changes.

10. Indemnification

You agree to indemnify and hold harmless MultiMFA and its affiliates, officers, employees, and agents from any claims, damages, liabilities, and expenses (including attorneys' fees) arising from your use of the service, your violation of these Terms, or your violation of any rights of another.

11. Changes to Terms

We reserve the right to modify, update, or replace these Terms at any time and for any reason, in our sole discretion. When we do, we will post the revised Terms on our website and update the effective date. For material changes, we may also notify you by email or through the service (for example, a notice when you log in). Your continued use of MultiMFA after updated Terms are posted (or after we notify you, if we provide separate notice) means you accept the revised Terms. If we require your explicit acceptance for a particular update (for example, through a prompt at sign-in), you must agree before you can continue using the service. If you do not agree, you must stop using MultiMFA and may cancel your subscription as described in these Terms.

12. Governing Law

These Terms are governed by the laws of the United States and the State of Florida, without regard to conflict of law principles. Any dispute arising from these Terms or your use of MultiMFA shall be resolved exclusively in the state or federal courts located in Florida, and you consent to the personal jurisdiction of such courts.

13. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the parties' intent.

14. Entire Agreement

These Terms, together with our Privacy Policy and Acceptable Use Policy, constitute the entire agreement between you and MultiMFA regarding the service and supersede any prior agreements or understandings. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

15. Contact

If you have any questions about these Terms, please contact us at [email protected].