Terms of Service

A Mutual Friend - Effective May 1, 2026

Welcome. These Terms of Service form a binding contract between you and A Mutual Friend, Inc. (“AMF,” “we,” “us,” or “our”), the company that operates the matchmaking service available through AMutualFriend.com, and our in-person and remote consultations, events, and introductions (together, the “Service”).

These Terms apply alongside any separate Membership Agreement you sign at the start of your engagement. The Membership Agreement sets out the specifics of your package: number of introductions, length of term, fees, refund schedule, and any special arrangements. Where the Membership Agreement and these Terms address the same subject, the Membership Agreement controls.

By clicking “I agree,” paying a fee, attending a consultation, or otherwise using the Service or accessing this website, you tell us that you have read these Terms, that you accept them, and that you have legal capacity to do so. If you do not agree, please do not use the Service.

We last updated these Terms on May 1, 2026.

1. About A Mutual Friend

A Mutual Friend is a private, fee-based matchmaking service. Our work usually begins with an intake interview, continues through profile development and matchmaker-led consultations, and produces hand-selected introductions and ongoing and post-date coaching. Sessions take place in person, by telephone, or by video call. We are not a public dating site, and we do not allow self-service browsing of other members’ profiles.

Membership is by acceptance only. We may decline to offer membership to any prospective client for any lawful reason, including incompatibility with our existing client base or the absence of suitable matches in your area.

2. Eligibility

To use the Service you must:

  • be at least 18 years old, or the age of majority in your province or state if higher;
  • have the legal capacity to enter into a binding contract;
  • not be a registered sex offender under the law of any jurisdiction;
  • not be subject to any court order, condition of release, or other restriction that would make introductions or social contact inappropriate;
  • not be barred from using the Service under U.S. or other applicable sanctions or export-control laws; and
  • not have been previously suspended or removed from the Service unless we have given you written permission to return.

You must also be single. If you are married, separated, or in a committed relationship and you wish to use the Service, tell us in writing. We will decide whether to proceed; absent our written agreement, you are not eligible.

By using the Service you represent and warrant that each of the above is true and will remain true while you are a member. If your circumstances change, tell us.

3. The Membership Agreement

Your Membership Agreement is the document that defines the specific service we owe you. It includes:

  • your membership tier and the services included;
  • the number of introductions or coaching sessions promised;
  • the length of the term and any renewal terms;
  • your fees and the payment schedule;
  • the refund framework, including statutory cooling-off and other state-specific cancellation rights described in Section 6 and the Addendum at the end of these Terms;
  • the consumer-protection disclosures required by the state or province where you signed; and
  • any custom terms we have negotiated with you.

These Terms cover the everyday legal terrain around your use of the website and Service: who can use it, how recordings and AI are used, conduct, dispute resolution, and the like. Where these Terms and the Membership Agreement differ on the same point, the Membership Agreement controls.

4. Accuracy of information you give us

Matchmaking only works if we have a real picture of you. You agree that the information you give us about yourself such as name, age, location, marital status, education, occupation, financial situation (where shared), health background (where shared), lifestyle, faith, family, relationship history, and partner preferences is true and current to the best of your knowledge, and that you will tell us promptly if anything material changes.

We do not run criminal background checks or sex offender registry checks on our members or matches unless we have specifically told you we do so for the engagement, and even then we rely on commercially reasonable sources rather than guaranteeing the result. We disclose to each member that we do not investigate other members’ statements except as expressly described in the Membership Agreement, and we ask each member to exercise the same good judgment in person that they would use anywhere else.

5. Fees, billing, and auto-renewal

Your fees, billing cadence, and any auto-renewal provisions are set out in your Membership Agreement.

If your Membership Agreement provides for an auto-renewing subscription billed through the website, the following also applies:

  • we will clearly disclose the recurring charge, the billing cadence, and how to cancel before you enroll;
  • we will obtain your affirmative consent to the recurring charge;
  • we will send you a reminder before each renewal where required by the law of your state or province;
  • you may cancel the auto-renewal at any time by writing to support@amutualfriend.com; and
  • if we change a material term of the auto-renewal, we will tell you in advance and give you the opportunity to cancel.

All fees are payable in USD and, except as required by law or as expressly provided in your Membership Agreement, are non-refundable. If you dispute a charge, please write to support@amutualfriend.com before initiating a chargeback so we can try to resolve the issue.

6. Statutory cancellation rights

Many U.S. states and Canadian provinces give dating-service or social-referral-service clients specific cancellation rights that we cannot waive. We honor those rights regardless of what your Membership Agreement says.

In particular, depending on where you signed, you may have a right to cancel within three to ten business days of signing for a full refund, a right to cancel on a pro-rata basis if you become disabled or move out of the service area, and a cap on how long a dating-services contract can run. If you cancel using one of these rights, write to support@amutualfriend.com or send a signed notice to A Mutual Friend Inc., 2261 Market Street STE 66594, San Francisco, CA 94114.

Nothing in these Terms or in your Membership Agreement limits any right you have under a statute that gives you a right to cancel a consumer contract.

7. Recorded meetings

A great deal of our work happens in conversation, and we record many of those conversations. Doing so lets your matchmaker listen carefully and take meaningful notes later, helps us train and review our team, and supports the AI tools described in Section 8.

What may be recorded

  • intake interviews and discovery calls;
  • coaching and follow-up consultations;
  • video introductions you record for matching purposes (sometimes called “match reels”);
  • telephone calls with your matchmaker; and
  • in-office or event meetings where we have told you in advance and you have agreed.

Notice and consent

We will tell you at the start of any recorded call or meeting and capture your consent on the recording. If you do not consent we will turn the recording off; in some cases (for example, a match reel) the recorded element is the work, and we may decline to provide that element without a recording.

Many U.S. states and all Canadian provinces require consent from every party to a recorded conversation. We treat that standard as the baseline regardless of where you are.

What recordings are used for

To prepare your profile and your written summary; to review your preferences with your matchmaker; to train and review our team; to support the AI tools described in Section 8; to document what was discussed in case of a later question or dispute; and to improve the Service. We do not use recordings to train any third party’s AI models, and our AI vendors are contractually prohibited from doing so.

Who has access

Your matchmaker, our internal matching and quality teams, and approved service providers (for example, our hosting provider and our AI vendors) under written contracts that restrict their use. We do not show recordings to other clients or prospective matches except for short clips you have specifically approved for us to share.

How long we keep recordings

Unless you ask us to delete sooner, our retention defaults are:

  • raw recordings of intake and coaching sessions: 24 months from the date of the session;
  • match-reel clips you have approved for sharing: while you are an active member, plus 12 months after your membership ends; and
  • AI-generated transcripts: same retention as the underlying recording.

After those periods we delete the recordings or de-identify them so they can no longer reasonably be linked back to you. We may keep a short written summary in your client file for longer, governed by our Privacy Policy. Our full retention schedule for recordings, transcripts, and biometric data is available in our Privacy Policy and by request sent to support@amutualfriend.com, and updated when it changes.

Your right to delete sooner

You can ask us to delete a specific recording or all recordings of you at any time by writing to support@amutualfriend.com. We will delete them within thirty (30) days, unless we are required by law to keep them (for example, a legal hold, regulatory request, or an active dispute), in which case we will explain why and delete them when the legal need ends.

8. AI-assisted matchmaking

We use artificial intelligence tools to help our human matchmakers do their work. This section explains, in plain language, what those tools do and what they do not do.

Transcription and summarization

Our AI may be used to convert your recordings to text and prepares a written summary so that your matchmaker can focus on you in conversation instead of on note-taking. A matchmaker reviews and edits the summary before it is filed.

Content analysis

Our AI reads through what you said and what is in your file to identify themes that are helpful in the matching process, including values, life goals, must-haves and dealbreakers, lifestyle habits, and to surface other members whose themes overlap with yours.

Voice characteristics analysis

With your separate, opt-in written consent, our AI also analyzes characteristics of how you speak (pace, tone, warmth, expressiveness, emotional cues) to suggest matches who tend to communicate in compatible ways. This analysis is used for style-of-communication matching only. It is not used to identify you as a person, to detect dishonesty, to draw inferences about your race, disability, sexual orientation, or other protected status, or to make any decision about whether you may continue to use the Service.

Voice analysis of this kind may qualify as the collection of a “biometric identifier” or “biometric information” under certain state laws (e.g. the Illinois Biometric Information Privacy Act (740 ILCS 14), the Texas Capture or Use of Biometric Identifier Act (Tex. Bus. & Com. Code § 503.001), Washington’s biometric statute (RCW 19.375), and analogous laws). Where it does, we follow the specific notice, consent, retention, security, and no-profit rules of those statutes, as described in our Privacy Policy.

Profile matching

We use AI to compare structured fields in your profile (age, location, education, lifestyle, faith, family goals, preferred partner attributes) against the profiles of other members to surface potential matches for your matchmaker to consider.

Draft generation

Our AI drafts introduction messages, match notes, and date-recap questions for your matchmaker to review and edit before they are sent. We do not send AI-generated messages to you or to another member without human review.

Human decisions

The decision to introduce you to a specific person is always made by a human matchmaker. The AI suggests; a person decides. The AI does not score, rank, or grade you in a way that determines whether you may continue to be a member, and our use of AI is not intended to be a “consequential decision” or “significant decision” within the meaning of automated decision making rules and similar laws.

Your right to opt out

You can opt out of voice characteristics analysis at any time, and you can decline to consent to it at the outset, by writing to support@amutualfriend.com. We will continue to match you using your file and your matchmaker’s judgment. We will not penalize you, charge you more, or reduce the quality of the Service because you have opted out.

Voice cloning and digital replicas

We do not, and we will not, use AI to create a synthetic copy of your voice or likeness, to make you appear to say something you did not say, or to license your voice or likeness to any third party for those purposes. Nothing you share with us authorizes any of that. This commitment runs alongside, and does not displace, your rights under any applicable right-of-publicity law.

Training data and vendors

We use third-party AI services for some of the work above. Each vendor is bound by a written contract that requires it to use your information only to provide services to us, prohibits it from using your content to train its public models, and requires deletion on a defined schedule. We will share our current list of AI vendors on request sent to support@amutualfriend.com.

9. Information about other members

To do our work we share certain details about you with prospective matches – this is typically a first name, photo, written summary, and any short clip you have approved, and we share comparable details about prospective matches with you. You agree that anything we tell you about another member is strictly confidential.

You will not screenshot, copy, post, publish, or otherwise share information about another member outside of your conversations with us, and you will not contact a person we introduce to you through any channel other than the one we set up unless that person invites you to. You will not use information you receive through the Service to harass, embarrass, defame, stalk, dox, blackmail, or extort anyone, or to compile any kind of database.

10. Member conduct

When you use the Service you agree to: be honest about who you are and what you are looking for; treat your matchmaker, our staff, and other members with respect; keep your scheduled appointments or give reasonable notice; and follow our reasonable rules at events. You agree not to:

  • use the Service for any purpose other than personal romantic introductions for yourself, so no solicitation, recruiting, fundraising, investment-pitching, religious recruitment, multi-level marketing, sex work, or commercial advertising;
  • misrepresent your marital status, age, identity, or any other material fact;
  • attempt to circumvent or interfere with our matching process, including by paying or pressuring a matchmaker outside of our normal fees;
  • upload or share content that is sexually explicit, depicts a minor, infringes another’s rights, violates law, or that you do not have the right to share;
  • scrape, copy, or reverse-engineer any part of the Service; or
  • use the Service while subject to a no-contact order, restraining order, or condition of release that would make introductions inappropriate.

If we reasonably believe you have broken these rules or made another member unsafe, we may suspend or end your membership and may share what we know with law enforcement or other authorities where appropriate. Fees paid for the unused portion of an ended membership are treated as set out in your Membership Agreement and the law of your jurisdiction.

11. No guarantee of compatibility or outcome

We try hard, but the human heart is not an engineering problem. We do not guarantee any specific number of introductions beyond what your Membership Agreement promises, and we cannot guarantee that any introduction will lead to chemistry, a relationship, a marriage, or any other outcome. Compatibility depends on timing, chemistry, and personal choice – these are things outside our control.

You meet the people we introduce to you at your own discretion and your own risk. We are not responsible for the conduct of any member or other person you meet through the Service. Treat first meetings the way you would any other first meeting with someone you do not yet know well.

12. Intellectual property

The Service, including the website, our methodology, the profiles as we have written them, our software, and our brand, belongs to us or to our licensors. You receive a personal, limited, non-transferable, non-exclusive license to use the Service for your own matchmaking purposes. You may not copy our intake forms, profile templates, training materials, or internal documents for any other purpose.

13. Content you give us

You keep ownership of the photos, videos, written content, and recordings you give us or that we create from your interviews (“Your Content”). By using the Service, you grant us a worldwide, royalty-free, sublicensable license to use Your Content to operate the Service in the ways described in these Terms and our Privacy Policy. You also grant us the right to make minor edits (cropping, light color correction, format conversion) to make Your Content fit our standards.

You can withdraw this license on a forward-looking basis by closing your account and asking us to delete Your Content, subject to the retention exceptions in Section 7 and our Privacy Policy. The license to information already shared with a match continues for the limited purpose of that match’s use of it during the introduction.

14. Copyright and DMCA

If you believe content on the Service infringes your copyright, send a written notice to our designated copyright agent containing the information required by 17 U.S.C. § 512(c)(3): your physical or electronic signature; identification of the copyrighted work; identification of the allegedly infringing material; your contact information; a statement of good-faith belief; and a statement under penalty of perjury that you are the owner or authorized to act for the owner.

Our designated agent is:

Daniel Nelson

2261 Market Street STE 66594, San Francisco, CA 94114

support@amutualfriend.com

Repeat infringers will have their accounts ended.

15. Privacy

Our Privacy Policy at www.amutualfriend.com/privacy explains how we collect, use, share, retain, and protect your personal information, including recordings, biometric information, and AI-derived analyses. It is part of these Terms. Please read it carefully.

16. Communications from us

By giving us your phone number or email address you authorize us to contact you about your membership and your introductions, including by SMS, voice call (which may be auto-dialed or prerecorded for appointment reminders), and email. Marketing messages, such as those informing you of new programs, services, or events, require your separate opt-in where required by law and can be cancelled at any time by replying STOP to a text message, by using the unsubscribe link in any email, or by writing to support@amutualfriend.com. Standard message and data rates may apply.

17. Third-party services

We rely on third parties for video conferencing, scheduling, payments, communications, hosting, and AI analysis. When you use those services through the Service, the third party’s own terms and privacy practices also apply to you, and we are not responsible for them. We do not control and do not endorse any third party we link to.

18. Safety and content from others

Some of what you see and hear through the Service includes messages, recordings, photos, and other content that comes from other members or third parties, not from us. To the extent we host or transmit content from others, we are an interactive computer service under 47 U.S.C. § 230 and we are not the publisher or speaker of information provided by another person. We do not promise to monitor every message, but we will take down content that violates these Terms when we become aware of it.

19. Accessibility

We work to make our website and Service usable by people with disabilities. If you encounter a barrier, please contact support@amutualfriend.com and we will work with you to provide the information or service you need by a different means.

20. Disclaimers

EXCEPT AS EXPRESSLY PROVIDED IN YOUR MEMBERSHIP AGREEMENT OR REQUIRED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY THE LAW THAT APPLIES TO YOU, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. SOME STATES AND PROVINCES DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES; IN THOSE PLACES THIS SECTION APPLIES TO THE EXTENT PERMITTED.

21. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THE SERVICE IS LIMITED TO THE LESSER OF TEN THOUSAND DOLLARS ($10,000.00) OR THE AMOUNT YOU PAID US IN THE SIX (6) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR LOST PROFITS, LOSS OF DATA, EMOTIONAL DISTRESS, OR LOSS OF ROMANTIC OPPORTUNITY, OR FOR THE ACTS OR OMISSIONS OF ANY MEMBER OR OTHER PERSON YOU MEET THROUGH THE SERVICE. THIS LIMITATION DOES NOT APPLY TO LIABILITY THAT CANNOT BE LIMITED BY LAW.

22. Indemnification

You agree to defend and indemnify A Mutual Friend, our owners, officers, employees, contractors, and agents against any third-party claim arising out of (a) your breach of these Terms or the Membership Agreement, (b) your conduct toward another member or person you meet through the Service, or (c) any content you give us that you did not have the right to share.

23. Dispute resolution

We would rather hear from you than from a court. If you have a problem, please write to support@amutualfriend.com and give us a chance to fix it before taking any other step. We will do the same with you. Most issues are solved this way.

Arbitration of disputes (U.S. residents)

If you are a resident of the United States and we cannot resolve a dispute through good-faith discussion within sixty (60) days, you and we agree that any dispute arising out of the Service, except for the carve-outs in this section. will be resolved by binding individual arbitration administered by AAA under its consumer arbitration rules in effect at the time, before a single arbitrator. The seat of the arbitration is Wilmington, Delaware; you may participate by videoconference.

YOU AND A MUTUAL FRIEND ARE EACH GIVING UP THE RIGHT TO A TRIAL BY JURY, AND YOU ARE EACH GIVING UP THE RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, OR CONSOLIDATED ACTION.

Carve-outs. Either party may bring a claim in small-claims court for any matter within that court’s jurisdiction; either party may seek injunctive or other equitable relief in court to protect intellectual property; and either party may bring a claim before any agency that has authority to hear it.

Coordinated or mass arbitration. If twenty-five (25) or more demands for arbitration are filed against us by claimants represented in coordinated fashion by the same or affiliated counsel within a sixty (60) day window and raising substantially similar claims, then those demands will proceed through a batched bellwether process: an initial group of 10 cases will be selected by the parties to be arbitrated to award; the parties will then mediate the remaining cases in good faith using the bellwether outcomes as a benchmark; and any unresolved case will then proceed to individual arbitration in successive batches. Filing fees for batched cases will be allocated as the chosen administrator’s consumer rules and bellwether protocols provide.

Opt-out. You may opt out of this arbitration agreement and the class-action waiver by writing to support@amutualfriend.com within thirty (30) days of accepting these Terms and stating that you are opting out. Opting out will not affect any other provision of these Terms or the Membership Agreement.

Canadian residents

If you are a resident of Canada, the arbitration provisions above do not apply to you to the extent that they would be unenforceable under the consumer protection law of your province. We will, however, participate in good-faith negotiation and, if helpful, voluntary mediation with you before any litigation.

24. Governing law and venue

Subject to the non-waivable consumer protection laws of your home state or province, these Terms are governed by the law of Delaware, without regard to its conflict-of-laws rules. For any claim that is not subject to arbitration, the parties consent to the exclusive jurisdiction of the courts located in New Castle County, Delaware, except that Quebec consumers may bring proceedings in the courts of their domicile and U.S. consumers may bring claims in the small-claims court of the county where they live.

25. Suspension and termination

Either of us may end your membership in the ways set out in your Membership Agreement and Section 6 of these Terms. We may suspend or end the Service to you immediately if you have materially broken these Terms, made another member unsafe, or become ineligible under Section 2. Sections that by their nature should survive (including 12, 13, 15, 18, 20–24, and 27) will continue after termination.

26. Changes to these Terms

We may update these Terms from time to time. If we make a material, we will use reasonable commercial efforts to tell you by email or notice in your account at least thirty (30) days before it takes effect, and we will not apply the change retroactively to a dispute that has already arisen. Continuing to use the Service after the effective date means you accept the change. If you do not accept it, you may cancel as set out in your Membership Agreement.

27. Other terms

These Terms, your Membership Agreement, and the Privacy Policy are the entire agreement between us on these subjects and replace any prior understanding. If a court finds any part unenforceable, the rest stays in force. Our failure to enforce a right is not a waiver of it. You may not assign these Terms; we may assign them to an affiliate or to a successor in a sale of the business. Section headings are for convenience only. If we are prevented from performing by causes beyond our reasonable control, natural disasters, public-health emergencies, government action, we are excused from performance to that extent.

New Jersey notice

If you are a New Jersey consumer: nothing in these Terms limits any right you have under the New Jersey Truth-in-Consumer Contract, Warranty and Notice Act or other New Jersey consumer protection law, and any provision of these Terms that would be unenforceable under that law does not apply to you.

Contact

A Mutual Friend Inc.

2261 Market Street STE 66594, San Francisco, CA 94114

Email: support@amutualfriend.com

Addendum A

State-Specific Rights for Dating-Service Members

This Addendum summarizes statutory cancellation and refund rights that apply to dating-service or social-referral-service contracts in certain U.S. states. The summaries below are general and do not replace the statute. Where the statute requires a specific notice in your signed Membership Agreement, that notice controls. If the law of your state gives you a right we have not described here, you still have that right.

California

Under California’s Dating Service Contracts Act (Cal. Civ. Code § 1694 et seq.) and California’s Automatic Renewal Law (Cal. Bus. & Prof. Code § 17600 et seq.):

  • you may cancel your dating service contract for any reason by midnight of the third business day after the date you received a copy of the signed contract;
  • you cancel by mailing, delivering, or sending an email to A Mutual Friend at the address printed at the start of your Membership Agreement, with a clear statement that you are cancelling — you do not need to use any particular form;
  • we will refund all money you have paid within ten (10) days of receiving your cancellation notice;
  • your Membership Agreement may not require an initial payment of more than the cost of services for two (2) years, and may not be enforceable for more than two (2) years from the date you signed;
  • if you die during the term, or become disabled and cannot reasonably use the Service, you or your estate may cancel and we will refund the unused portion of the fee on a prorated basis; and
  • for any subscription billed online, we will give you the right to cancel that subscription using the same medium you used to enroll, without speaking to a person, under California Business and Professions Code section 17602(d).

YOU, THE BUYER, MAY CANCEL THIS AGREEMENT FOR ANY REASON AT ANY TIME PRIOR TO MIDNIGHT OF THE ORIGINAL CONTRACT SELLER’S THIRD BUSINESS DAY FOLLOWING THE DATE OF THIS CONTRACT. SEE THE NOTICE OF CANCELLATION ATTACHED TO YOUR MEMBERSHIP AGREEMENT FOR AN EXPLANATION OF THIS RIGHT.

New York

Under New York General Business Law § 394-c:

  • you may cancel your social referral service contract until midnight of the third business day after you received a copy of the signed contract;
  • the contract may not last longer than two (2) years and may not require an initial payment of more than $1,000, separate consideration is required for any additional services;
  • you may cancel and receive a prorated refund if you become disabled and unable to use the Service or if you move more than fifty (50) miles from where the Service is offered; and
  • we will give you a written notice of cancellation rights with your Membership Agreement, in the form required by the statute.

Illinois

Under the Illinois Dating Referral Services Act (815 ILCS 615/1 et seq.):

  • you may cancel your dating referral services contract within three (3) business days of signing, by written notice to A Mutual Friend;
  • the contract may not last longer than two (2) years;
  • you may cancel and receive a refund for the unused portion if you die or become disabled or relocate more than fifty (50) miles from where the Service is offered; and
  • we will provide the disclosure form and cancellation notice required by the statute.

Other states

Other states — including Michigan (MCL 750.532), Ohio (Ohio Rev. Code § 1345.41 et seq.), North Carolina (N.C. Gen. Stat. § 14-401.21), and Wisconsin (Wis. Stat. § 100.173), give residents similar cancellation rights, contract-length caps, and disability/relocation refund rights. If you signed in one of these states, your Membership Agreement contains the disclosures required by that state’s statute. Tell us in writing if you wish to use any of those rights.

To exercise any right under this Addendum, write to: A Mutual Friend, 2261 Market Street STE 66594, San Francisco, CA 94114, or email support@amutualfriend.com.