Terms of Service

1. Agreement

These Terms of Service (the “Terms”) are an agreement between you and Mutuall, operating as itsmutuall.com (“Mutuall,” “we,” “us”), and govern your access to and use of Mutuall's service (the “Service”). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you subscribe to a growth plan, the agreement you accept at checkout is these Terms — the checkbox summary on the checkout page restates the key points of sections 6, 7, 10, 11 and 12 in plain words, and we keep a durable record of your acceptance, including the version of this agreement you accepted. If you do not agree, do not use the Service.

2. What Mutuall is

Mutuall is a managed growth service for your own Instagram account. You connect your Instagram, get a free Growth Score, and — if you subscribe — we promote your account for you: we pick your strongest ad-eligible posts, prepare them as featured-spotlight promotions, and run them as paid advertising through Meta's own advertising system, from advertising accounts that we own and operate. Promotions send viewers to your Instagram profile. You never touch an ads tool, and there is nothing you need to set up on Meta's side.

Paid advertising through Meta's own system is the only growth method we use. Every promotion is stamped “Sponsored” by Meta, like every ad on the platform. We never use bots, engagement groups, follow-exchanges, incentivized engagement, or any form of fake growth — for you or anyone else — and we do not sell followers.

Mutuall is an independent product. It is not affiliated with, endorsed by, or sponsored by Instagram, Meta, or any other platform.

3. Who can use it

You must be at least 18 years old, provide accurate registration information, and keep your credentials secure. One person or entity per account; you are responsible for everything done under your account. To use the Service you connect an Instagram professional account (Business or Creator) that you own or are authorized to manage — if your account is personal, Instagram requires the free switch to a professional account before it can be read, and we guide you through it.

4. Connecting your Instagram

Connecting is done through Instagram's official login — we never ask for your Instagram password, never automate actions inside your account, and never scrape. You authorize us to read the data described in our Privacy Policy: your profile fields, your posts, and your account-level insights. We use official platform APIs only. You can disconnect at any time from your account page, and you can delete your data as described on our Data Deletion page. Your use of Instagram remains governed by Meta's own terms and policies.

5. Your Growth Score

The Growth Score is free and is a heuristic estimate built from your account's real recent posts, weighted toward engagement. It is an honest read of growth potential — it is not a search ranking, not a position on any list, and not a promise. Scores change as your account changes.

6. Your subscription and your promotion budget

Growth plans are monthly subscriptions, billed through Stripe at the price shown at checkout. We never see or store your card number. Part of your plan is your promotion budget — money we spend with Meta on your behalf to run your promotions. Promotion of your account begins only after your payment settles, and your first promotion is normally live within a day. Each client's promotions run from a dedicated advertising account with a hard spending cap, so one client's budget is never mixed with another's. If a monthly payment fails, your promotions pause until payment is sorted out — Stripe retries automatically, and we email you.

The Boost — a one-time promotion. The Boost is a single purchase, not a subscription: you pick one post of yours, we prepare it and run it as one short promotion (normally about three days), launched within a business day of your payment settling. Everything else in these Terms applies to a Boost the way it applies to a plan's promotions — the license in section 7 (which, for a Boost, lasts until its promotion finishes), the ownership warranty, the content rules, and the no-guarantee rule in section 11. If advertising rules don't allow the post you picked, we'll help you pick another — or refund you in full. A Boost ends when its promotion ends; the month-to-month language in section 12 doesn't apply to it.

7. The license you grant us

To promote your account we need your permission to use what's on it. While you are subscribed, you grant us a non-exclusive license to use the content of your connected Instagram account — your posts, captions, and media — for the sole purpose of promoting your own account in paid advertising, including the right to pass that content to Meta as required to run the ads. You also give us permission to use your name, your handle, and your face or likeness as they appear in that content, and to trim, crop, caption, reframe, and replace the audio of a post to make it ready for advertising. We never use your content to promote anything other than your account, and we never present ourselves as you — promotions run under our own brand identity, featuring you.

You warrant that the content on your account is yours — that you own it or hold the rights needed to let us use it this way, including anyone appearing in it. Do not connect an account whose content belongs to someone else. This license ends when your subscription ends or you disconnect your account, except that ads already running wind down per section 12 and our record of what ran (section 13) survives.

8. How promotions run

Promotions are created and paid for by us, from our own advertising accounts, under our own editorial “featured” brand — your handle is the face of the creative, and the destination is your Instagram profile. We choose audiences, placements, and budget allocation, and we move budget toward what is working. We take no action inside your Instagram account: we never post to it, never message anyone from it, and never create any page or profile in your name. How Meta distributes an ad — who sees it, when — is decided by Meta's systems, not by us.

9. What we never do

No bots, no engagement pods, no follow-exchanges, no bought engagement, no fake accounts, no incentivized follows — not as a service, not as a “boost,” not on request. These break platform rules and advertising law, and any request to add them is declined. We also do not accept accounts built on purchased or fake engagement.

10. Content eligibility and restricted categories

Not every post can be an ad. Before anything runs we check each post's eligibility — most importantly music rights: music licensed for organic posts is generally not licensed for paid ads, so where a post's audio isn't cleared for advertising we replace the audio or pick your next-best post. We also skip content that appears reposted, watermarked from another service, or otherwise not yours — see your warranty in section 7.

Some categories are restricted by advertising rules or by us — including housing, employment, credit, and political content, and Meta-restricted categories such as alcohol, gambling, and health claims. We check for this before you pay, and tell you before any charge if your account isn't one we can promote. We may decline, pause, or stop promoting content or accounts that advertising rules do not allow, and if a specific post is rejected by Meta's review we move to your next eligible post — you are never left with a silent dead end.

11. Honest reporting, no guaranteed results

We report what your promotions actually delivered: people reached and profile visits sent, exactly as our advertising accounts record them. Follower change is shown only as your account-level trend over time — everything you do moves that number, not just promotions, so we never attribute it to the ads and never report “followers delivered.” We do not promise followers, reach, engagement, sales, or any other outcome, in any number. No honest service can. What we guarantee is the work: real ads, run properly, measured honestly, reported plainly.

12. Cancellation and refunds

You can cancel anytime, yourself, from your account page — no email required, no retention call. Your plan and your promotions run to the end of the month you've paid for, then stop (any still-running promotion is switched off within a business day of your plan ending). You can undo a cancellation any time before the period ends. Because you receive the full service through the end of the paid period, partial-month refunds are not provided. If we end your service for a reason other than your breach of these Terms, we refund the unused remainder of your current month. If you breach these Terms — for example the ownership warranty in section 7 — we may suspend or end the service immediately.

13. Your content copies and our records

To prepare promotions we keep copies of the posts we promote. Those copies exist only while you are subscribed — when you cancel or disconnect, we delete them. We keep the records the law and honest bookkeeping require: your acceptance of this agreement, payment records, and the factual record of what ran and what it delivered. Details, including how to delete your data, are in our Privacy Policy and on the Data Deletion page.

14. Third-party services

The Service depends on third parties: Meta, whose advertising system runs the promotions; bundle.social (an authorized Meta Tech Provider), our integration provider for Instagram connections; Stripe for payments; and our email delivery provider for the reports and notices you receive. Your use of Instagram is governed by Meta's own terms, and we are not responsible for third-party services.

15. Content and intellectual property

You keep ownership of your content — the license in section 7 is a permission, not a transfer. We own the Service itself: its software, design, brand, and the spotlight formats we prepare promotions in. You get a limited, non-exclusive, non-transferable right to use the Service under these Terms.

16. Disclaimers

The Service is provided “as is” and “as available,” without warranties of any kind, to the fullest extent permitted by law. We do not warrant that the Service will be uninterrupted or error-free, and we do not control Meta's systems, policies, or review decisions.

17. Limitation of liability

To the fullest extent permitted by law, Mutuall will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, or data. Our total liability for any claim relating to the Service is limited to the amount you paid us in the twelve months before the claim.

18. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate access if you breach these Terms or to protect the Service or other clients — section 12 says what happens to your current month in each case. On termination, the data handling in our Privacy Policy applies.

19. Governing law

These Terms, and any dispute arising out of them or the Service, are governed by the laws of Canada. You and Mutuall agree to bring any such dispute in the Canadian courts. If you use the Service from somewhere else, you are responsible for any local rules that apply to you.

20. Changes to these Terms

We may update these Terms from time to time. If a change is material we will note it here and, where appropriate, notify account holders — and a change to the agreement you accepted at checkout never applies to you retroactively. Continued use after a change means you accept the updated Terms.

21. Partnered Posts — ordering posts from creators

Partnered Posts is a one-time purchase, separate from the subscription above: you buy a package of posts about you or your page, each one made and published by an independent member of our community (a “creator”) on that creator's own account, clearly labeled as a paid partnership. Our team reviews every post before it goes up — nothing publishes without a human check. A package's slot count means that many different creators. Creators are independent members, not our employees; we choose and invite the creators for each order, and timing depends on when they take and finish the work.

Your material. The photos, clips, or existing posts you attach to an order are licensed by you to us and to the creators working your order, for the sole purpose of creating and publishing the posts you bought. The ownership warranty in section 7 applies to everything you attach. The content rules in section 10 apply to every order and every draft, and we may decline or ask to change material or wording that fails them.

What we promise — and don't. We promise a reviewed, disclosed post by a real creator, and we verify through the official API that it went live and carries its disclosure. Like everything else in these Terms (section 11), we do not promise reach, engagement, followers, sales, or any particular audience — a creator's post performs however it performs. Posts live on creators' own accounts and, like any post on a platform we don't control, can later be removed by the creator or the platform; our verification covers that it was published and checked, not that it stays up forever.

Refunds. If we cannot fill part of your order, we refund the unfilled part. Once a post is published and verified, that slot is delivered and is not refundable. Anything else — email [email protected] and a human will sort it out.

22. Earning credits by creating

Some members are invited to earn by making posts for others (the earning side is invite-only). If that's you: you take a task, make or receive the content, and — after our team approves it — the post publishes from your own connected account with the paid-partnership label as its first line. You confirm that disclosure as part of the flow; posting sponsored content without it breaks these Terms and the platform's rules.

Credits are a program balance, not money. Verified work earns credits at the rate shown on the task before you take it. Credits have no cash value, cannot be transferred or sold, and are never redeemable for money — they can be exchanged only for the services in the redemption catalog, which we fulfil by hand and may update over time. Credits do not expire. If a verified post is taken down early, the credits it earned can be reversed, and repeated early take-downs close the earning queue for an account. We may change or close the earning program with notice; earned credits remain redeemable for a reasonable wind-down period.

23. Contact

Questions about these Terms? Email [email protected].