Legal

Terms of Service

Last updated: October 15, 2026

These Terms of Service ("Terms") are an agreement between you and Bash & Crew LLC, doing business as Bumbei ("Bumbei," "we," "us"), and govern your use of the Bumbei website at bumbei.com, the web app at app.bumbei.com and the Bumbei mobile apps (together, the "Services").

Please read Section 15 carefully. It requires most disputes to be resolved through individual arbitration and waives class actions, unless you opt out within 30 days.

By creating an account or using the Services, you agree to these Terms and to our Privacy Policy.

1. What Bumbei does

Bumbei is a cashback rewards program. When you start a purchase at a participating store through Bumbei, the store may pay Bumbei a commission. Bumbei shares part of that commission with you as a reward denominated in bitcoin, measured in satoshis ("sats"). Bumbei is not the seller of any product, and your purchase is a transaction between you and the store.

2. Eligibility and your account

  • You must be at least 18 years old, a resident of the United States, and able to form a binding contract.
  • You may have only one account. Give us accurate information and keep it up to date.
  • You are responsible for activity on your account and for keeping your sign-in methods (password, email account, Apple or Google account) secure. Tell us right away at support@bumbei.com if you suspect unauthorized use.

3. How rewards work

  • Starting a purchase. To earn a reward, open the store from Bumbei (the website, the web app or the mobile apps) right before you buy and complete the purchase in the same session. Purchases may not be tracked if you use ad blockers, block cookies, use a coupon or another cashback or rewards site, or leave and return to the store another way.
  • Reward rates. The reward rate shown for each store is an estimate that can change at any time without notice. Rates may exclude certain products, categories, taxes, shipping, gift cards and other items as set by the store. The rate shown when you start the purchase applies, subject to the store's confirmation.
  • Pending rewards. Tracked purchases first appear as pending. A reward becomes available only after the store confirms the purchase and pays its commission to Bumbei, which typically takes 30 to 90 days and can take longer.
  • Reversals. If the purchase is canceled, returned, exchanged, charged back, or not confirmed or paid by the store, the related reward is reversed. If a reward was already withdrawn, we may deduct it from your future rewards.
  • Converting to sats. Rewards are calculated from the commission in U.S. dollars and converted to sats at the exchange rate we use when the reward is recorded, as shown in your account. The dollar value of sats changes over time, and Bumbei does not guarantee any value.
  • Missing purchases. If a purchase is missing, you can report it in the app within the time shown there. We will ask the store or network to review it, but the decision is theirs and we cannot guarantee a reward.
  • Not money or an account. Your rewards balance is a record of rewards we have promised to pay you. It is not a bank, deposit, savings or investment account, does not earn interest, and is not insured by the FDIC or any other agency. You cannot add funds to it.

4. Withdrawals

  • You can withdraw available rewards to a Lightning address or a Lightning invoice you provide. Bumbei sends withdrawals through a third-party payment provider and currently covers the Lightning network fees; we may change this with notice.
  • Check your details. Bitcoin payments are irreversible. Bumbei is not responsible for rewards sent to a Lightning address or invoice you entered incorrectly or that you do not control.
  • We may delay, limit or decline a withdrawal to verify your identity, investigate suspected fraud or abuse, comply with law, or if our payment provider is unavailable.
  • We may set or change minimum or maximum withdrawal amounts, which will be shown in the app.

5. Referrals

You may invite others with your referral link or code. Referral rewards, if offered, are described in the app and may change or end at any time. You may not refer yourself, create multiple accounts, pay or incentivize sign-ups, use spam, or post your link on coupon or deal sites, search ads or other places where it could take credit for purchases you did not influence. We may withhold referral rewards that do not follow these rules.

6. Prohibited conduct

You agree not to:

  • use the Services for any illegal purpose or in violation of a store's terms;
  • create fake or duplicate accounts, or use someone else's account;
  • make purchases you intend to cancel or return to earn rewards, or otherwise manipulate tracking;
  • use bots, scripts, scrapers or other automated means to access the Services;
  • interfere with the security or operation of the Services, or reverse engineer them except as the law allows;
  • use the Services to launder money, finance illegal activity or evade sanctions.

7. Suspension and termination

We may suspend or close your account, and cancel pending or available rewards obtained through fraud, abuse or a violation of these Terms. If we close your account for another reason, we will pay out your available rewards (and pending rewards once confirmed) to a Lightning address you provide, unless the law prevents it.

You may delete your account at any time in the app (Profile → Delete account) or by contacting us. When you delete your account, any rewards still in your balance — available or pending — are forfeited, so withdraw your available rewards first. You cannot delete your account while a withdrawal is in progress.

We may also forfeit rewards in an account that has had no sign-in for 24 months, after giving you at least 30 days' notice by email.

8. Taxes

You are responsible for any taxes on rewards you receive and for any tax consequences of holding or using bitcoin. We may ask for tax information and issue tax forms when the law requires it. We do not give tax advice; consult a tax professional.

9. Bitcoin risks

Bitcoin's price is volatile and can fall to zero. Bitcoin and the Lightning Network are operated by third parties outside our control and may experience delays, failures, forks or changes in law that affect them. Rewards are not an investment, and nothing in the Services is financial, investment or legal advice.

10. Stores, networks and third-party services

Stores, affiliate networks, Lightning wallets, payment providers, and Apple and Google are independent third parties. Bumbei is not responsible for their products, services, prices, availability, shipping, returns or content, or for their decision to confirm or reject a purchase. Your dealings with them are governed by their own terms.

11. Communications

You agree that we may send you electronic communications about your account and the Services, including sign-in codes and reward and withdrawal notices. You can opt out of marketing emails at any time; service messages are part of using the Services.

12. Our intellectual property

The Services, including the Bumbei name, logos, design and software, belong to Bumbei and its licensors. We give you a personal, revocable, non-transferable license to use the Services as intended. Store names and logos belong to their owners and are used to identify participating stores. If you send us feedback, we may use it without obligation to you.

13. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, BUMBEI DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT ANY PURCHASE WILL BE TRACKED OR REWARDED, OR THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE.

14. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, BUMBEI AND ITS MEMBERS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, GOODWILL OR CHANGES IN THE VALUE OF BITCOIN. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE REWARDS PAID TO YOU IN THE 12 MONTHS BEFORE THE CLAIM AND (B) US $100. Some states do not allow these limitations, so they may not apply to you.

You agree to indemnify Bumbei against claims arising from your misuse of the Services or violation of these Terms.

15. Disputes and arbitration

  • Informal resolution first. Before filing a claim, contact us at support@bumbei.com and give us 60 days to try to resolve it.
  • Binding arbitration. Except for claims that qualify for small claims court, you and Bumbei agree to resolve any dispute relating to these Terms or the Services by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration may be held by video or in the county where you live. Bumbei will pay the filing and arbitrator fees the AAA rules assign to businesses.
  • No class actions. You and Bumbei may bring claims only individually, not as a plaintiff or class member in any class, collective or representative proceeding, and the arbitrator may not consolidate claims.
  • Opt-out. You can opt out of this Section 15 by emailing support@bumbei.com within 30 days of first accepting these Terms, with your name, account email and a statement that you opt out of arbitration.
  • If this Section 15 does not apply, disputes will be resolved in the state or federal courts located in Miami-Dade County, Florida, and you and Bumbei consent to their jurisdiction.

16. Governing law

These Terms are governed by the laws of the State of Florida and applicable federal law, including the Federal Arbitration Act, without regard to conflict-of-law rules.

17. Changes

We may update these Terms or change, suspend or end the Services or the rewards program. If we make material changes to these Terms, we will notify you at least 30 days in advance by email or in the Services; continuing to use the Services after they take effect means you accept them. If the program ends, we will give you a reasonable period to withdraw your available rewards.

18. Miscellaneous

These Terms and the Privacy Policy are the entire agreement between you and Bumbei about the Services. If any provision is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition or sale of assets. Apple and Google are not parties to these Terms and have no responsibility for the Services, but Apple and its subsidiaries are third-party beneficiaries of these Terms with respect to the iOS app.

19. Founding Member Program

The Founding Member Program is a limited test group for the US launch of the Bumbei mobile apps.

  • Spots and selection. Up to 20 Founding Members, chosen by Bumbei from people who opt in on the waitlist. Opting in does not guarantee a spot, and Bumbei chooses at its sole discretion (for example, to mix iPhone and Android users).
  • What we ask. Make at least 2 purchases through Bumbei in your first 30 days, report bugs you find, and answer up to 3 short surveys. These are participation expectations; rewards are paid only as described below. Founding Members get access to private channels in Bumbei’s Discord server for feedback and support.
  • Welcome bonus. 5,000 sats for your first eligible purchase: started through Bumbei after you are accepted into the program and during the program period (announced when you are accepted), and confirmed by the store. Pending purchases don't qualify. One per person, in addition to Bumbei's general rewards.
  • Bug bounty. 1,000 sats for each valid bug report, and up to 5,000 sats for a critical bug (for example, one affecting rewards, balances or withdrawals). A report is valid when it is new (each issue is paid once, to the first person who reports it), reproducible, and sent through the Founding Member bug report channel in Discord (or to support@bumbei.com for security issues) with enough detail to fix it. Bumbei decides whether a report qualifies and its severity. Bug bounty rewards are capped at 25,000 sats per person.
  • Surveys. 2,000 sats for each completed survey, up to 3 surveys, paid once per survey.
  • Payment. Program rewards are added to your Bumbei rewards balance, usually within 7 days after they are earned, and follow the withdrawal rules in Section 4. They are promotional rewards with no cash value until withdrawn.
  • Conduct. Don't publicly disclose security vulnerabilities before we fix them; report them privately. We may remove a Founding Member and withhold unearned program rewards for abuse, fraud or violations of these Terms.
  • Badge. Founding Members keep the Founding Member badge in the app after the program ends, unless removed for fraud or abuse.
  • Budget and changes. Program rewards come from a fixed budget. We may change or end the program at any time; rewards you have already earned will be honored.

20. Contact

Bash & Crew LLC (Bumbei) [Mailing address] support@bumbei.com