Effective Date: Novermber 11, 2025

Hummie (”Hummie,” “we,” “our,” or “us”) is committed to protecting your privacy and ensuring transparency around how we collect, use, and share personal information. This Privacy Policy applies to all users of the Hummie platform and services worldwide, including residents of California and the European Economic Area (EEA).

By accessing or using our services, you consent to the data practices described in this Privacy Policy.

Information We Collect

We may collect the following categories of personal information:

Personal Identifiers

• Name

• Email address

• Phone number

• Mailing address (if provided)

• Payment information (if we pay you)

Commercial Information

• Service requests

• Referral activity

• Purchase or transaction history

Internet / Usage Data

• Pages viewed, clicks, browsing history

• Log files, session data

Device Information

• IP address

• Browser type, device type, operating system

Cookies & Tracking Technologies

Used for analytics, personalization, and performance.

Sensitive Personal Information

We do NOT intentionally collect sensitive personal data under CCPA/CPRA or GDPR (e.g., government IDs, financial account numbers, biometric data, health data), unless you voluntarily provide it to a service provider through our platform.

How We Use Your Information

We use personal information for:

Service Delivery

• Providing and improving the Hummie platform

• Matching consumers with qualified service providers

• Processing referrals and rewards

Communication

• Responding to inquiries

• Sending confirmations, updates, or legally required notices

Personalization

• Suggesting relevant services

• Improving user experience

Analytics & Improvement

• Monitoring usage

• Enhancing platform performance

Legal & Compliance

• Detecting fraud

• Meeting regulatory or contractual obligations

Legal Bases for Processing (GDPR)

For users in the EEA, we process your data under these lawful bases:

• Consent – When you submit forms or opt in to communications

• Contract Performance – To provide requested services or connect you with providers

• Legitimate Interests – Platform improvement, fraud prevention, internal analytics

• Legal Obligation – When disclosure is required by law

How We Share Personal Information

We do NOT sell your personal information. However, under California law, certain types of “sharing” for behavioral advertising may be considered a “share.” We describe this below.

We may share information with:

Service Providers Third-party companies that help us operate or improve our platform (e.g., hosting, analytics, communication tools).

Professional Partners or Service Provider When you request a consultation or quote, we share your information only with the professional(s) relevant to your request.

Legal Authorities When required by law or to protect our rights.

Business Transfers If we undergo a merger, acquisition, or sale of assets.

Do We Sell or Share Personal Information? (CCPA/CPRA)

• We do NOT sell your personal information.

• We may share information for cross-context behavioral advertising (e.g., limited cookie data used by analytics providers).

California residents may opt out of sharing.

Your Rights (CCPA/CPRA + GDPR)

California Residents Have the Right To:

• Know what personal information we collect

• Access a copy of your data

• Correct inaccurate data

• Delete your personal information

• Opt-out of the sale or sharing of personal information

• Limit use of sensitive personal information

• Non-discrimination for exercising privacy rights

Submit requests at: support@hummie.com

GDPR Users (EEA) Have the Right To:

• Access your personal data

• Rectify inaccurate data

• Erase your data (“Right to be forgotten”)

• Restrict processing

• Data portability

• Object to processing

• Withdraw consent at any time

You may exercise these rights by contacting us: support@hummie.com

If unresolved, you may lodge a complaint with your local Data Protection Authority.

International Data Transfers (GDPR)

If you access Hummie from outside the United States, your data may be transferred to and processed in the U.S.

We use appropriate safeguards such as:

• Standard Contractual Clauses (SCCs)

• Contractual protections with service providers

Data Retention

We retain personal information only as long as necessary for:

• Providing services

• Legal compliance

• Resolving disputes

Data may be stored longer if required by law or contractual obligation.

Data Security

We use administrative, technical, and physical safeguards to protect your information, including:

• Encryption

• Access controls

• Regular system monitoring

However, no system is completely secure.

Children’s Privacy

Hummie is not intended for children under 13. We do not knowingly collect data from children.

EEA minimum age requirements are followed (13–16 depending on country).

Cookies & Tracking Technologies

You may manage cookie preferences through your browser or by using our cookie settings banner (available upon request).

Users in the EEA will receive a cookie consent prompt as required by GDPR.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised “Effective Date.”

Continued use of the platform constitutes acceptance.

Contact Us

Hummie, Inc.
Email: support@hummie.com
Phone: +1 (415) 914 0537

You may address privacy-related requests, including CCPA and GDPR rights, to the email above.

Effective date: November 1, 2025

Welcome to Hummie!

These Terms of Use are a binding agreement between you and Hummie Inc. (“Hummie,” “we,” “us,” or “our”). They describe the rules that apply to your use of all Hummie products and services (collectively, “Hummie”). If you have any questions about these Terms or our services, please contact us at support@hummie.com.

By accessing or using Hummie in any way, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you may not use Hummie.

You represent that you are legally able to enter into a binding contract. You may not use Hummie if you are under 16 years old. If you accept these Terms on behalf of an organization, you represent that you are authorized to bind that organization. In that case, “you” refers to the organization.

Hummie’s Products, Services and Users

Hummie Products:

This includes our websites, Hummie App, and all related tools.

Hummie Services:

Hummie operates a platform that connects consumers with vetted professionals in high-ticket service industries—such as tax planning, immigration, real estate, solar, insurance, and more. Available industries and regions may change over time.

Hummie Users:

Hummie serves three primary user groups:

• Consumers seeking professional services

• Referrers who refer their own or others’ projects

• Professionals/Service Providers who deliver services

A single user may play multiple roles depending on the project.

These Terms govern your use of the platform in any role.

Scope of Services

Through the Hummie Platform, users can:

• Discover and compare offers from verified professionals

• Submit, manage, and track service projects

• Participate in referral reward and refund programs

Hummie primarily acts as a connector between consumers and qualified third-party providers. Hummie currently holds licenses for solar and life insurance services and may directly perform some projects in those licensed fields. Hummie does not provide tax, legal, real estate, immigration, or other advisory services for which it does not hold a license.

For Consumers

Using the Platform

Consumers may request quotes, consultations, or professional introductions. By submitting a request, you agree to be contacted by Hummie or our verified partners via phone, SMS, or email.

No Guaranteed Outcomes

We connect you with vetted professionals but do not guarantee results, pricing, or acceptance (such as in immigration or education matters). Most services are delivered by independent providers.

Consumer Rewards (Self-Referral)

If you refer your own project, you are eligible for the same referral reward or refund as any other referrer. If another referrer submits your project first, that referrer—not you—receives the refund or reward.

Your Relationship With Hummie and Providers

High-ticket projects may involve multiple parties:

• You (consumer)

• Hummie

• A consultant

• A service provider

Hummie pays rewards/refunds and connects you with verified professionals.
You enter into separate agreements with the actual service providers, just as you would anywhere else.

Your responsibility is to review, select, and sign these agreements yourself.

For Referrers

Eligibility

Registration on Hummie is required and free.

Referrers may submit their own or others’ projects. Rewards/refunds are the same in both cases.

Only projects that are completed successfully qualify for rewards.

Referral Duration

Each referral remains valid for one year from submission.

Duplicate Referrals

Hummie pays only the first user who refers a project. If your project is referred to Hummie by someone else within one year, we will pay that referrer, but not you.

Referral Compensation

Compensation varies by industry, project size, and current program terms.

Below is the average refund table for reference. The exact refund amount for each project is calculated based on the formulas listed after the table.

Refunds are treated as 1099-form income in the USA, and Hummie users are responsible for any applicable taxes.

Personal or family services (How typical refunds are determined):

• Tax Planning: 10% of the consulting fee paid

• EB-5 Immigration: $10,000 flat

• Real Estate: 0.25% of the house transaction price. For example, a two million dollar house, refund is equal to $5,000

• Solar Energy: $0.175 per watt. A 10 kW solar system, refund is $1,750

• Life Insurance: 25% of target premium paid to the agent

• College Counseling: 7.5% of consulting fee

Commercial/business projects are evaluated case-by-case and generally offer higher rewards/refunds.

Payment Schedule

Rewards are paid after the project is completed and the provider pays Hummie —typically 2–6 weeks after the consumer pays the provider.

Compliance

Referrers must follow Hummie’s communication and marketing guidelines. Misleading claims, spam, or unauthorized marketing may result in account termination.

Ambassador Program

Successful referrers may be promoted to Hummie Ambassador, who will be paid higher referral fees. Hummie’s Ambassador Program is invitation only.

For Professionals or Service Providers

Hummie provides high-quality, vetted referral leads. No upfront fees are required—marketing fees are paid only when a deal closes.

Professional partners must sign a separate partnership agreement.

The Terms in this document apply when professionals refer projects to Hummie.

User Responsibilities

All users agree to:

• Provide accurate information

• Use the platform lawfully

• Not impersonate or misrepresent themselves

• No intentionally fraudulent referrals

• Not post or submit harmful, illegal, or offensive content

Hummie may suspend or terminate accounts violating these standards.

Privacy and Data Use

Your information is handled according to our Privacy Policy.
By using Hummie, you authorize us to share necessary information with verified service providers in order to fulfill your request or process your referral.

Termination

Hummie may suspend or terminate access for violations, fraud, misuse, or prolonged inactivity. Users may request account termination at any time.

Unpaid referral rewards earned before termination will still be paid.

Intellectual Property

All content on the Platform is owned or licensed by Hummie and protected by law.
You receive a limited license to use the Platform for purposes related to Hummie services.

Third-Party Providers

Some services are delivered by independent third-party providers.
Hummie does not control or guarantee their work.
Your interactions with them are solely between you and those providers.

Indemnification

You agree to indemnify and hold harmless Hummie, its employees, and affiliates from any claims arising from your misuse of the Platform or violation of these Terms.

Limitation of Liability

To the fullest extent allowed by law, Hummie is not liable for:

• Any indirect, incidental, or consequential damages

• Any total liability exceeding $100

No Warranties

Hummie is provided “as is,” without warranties of any kind, express or implied.

Governing Law & Dispute Resolution

These Terms are governed by California law.
Any disputes will be resolved through binding arbitration in California.
Users waive the right to participate in class actions.

Modifications to Terms

We may update these Terms at any time.
Updates take effect upon posting, and continued use of the Platform constitutes acceptance.

Contact Us

Hummie, Inc.
Phone: +1 (415) 914 0537
Email: support@hummie.com

© 2025 Hummie, Inc. All rights reserved.