Terms and Conditions

Last Updated: April 21, 2026

Welcome to MudPenny! These Terms of Service (“Terms”) govern your access to and use of our website located at mudpenny.com (the “Site”), operated by MudPenny (“we,” “us,” or “our”).

By accessing or using our Site, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our Site.

1. Eligibility

By using this Site, you represent that you are at least the age of majority in your state or province of residence (typically 18 years old) and have the legal capacity to enter into a binding contract. If you are under the age of 18, you may only use the Site with the involvement and consent of a parent or legal guardian.

2. User Accounts

To access certain features of the Site, such as managing subscriptions or viewing order history, you may be required to create an account by providing your name and email address.

• You are responsible for maintaining the confidentiality of your account credentials.
• You agree to provide accurate, current, and complete information during registration.
• You are responsible for all activities that occur under your account.
• We reserve the right to suspend or terminate your account at our sole discretion if we suspect fraudulent or unauthorized activity.

3. E-commerce, Orders, and Subscriptions

Through our Site, you may purchase coffee beans (as one-time purchases or recurring subscriptions) and merchandise.

• Product Availability and Pricing: All products and prices are subject to change at any time without notice. We reserve the right to modify or discontinue products at our discretion.
• Subscriptions: If you purchase a recurring coffee bean subscription, you agree to be charged on a recurring basis as specified at checkout. You may pause, modify, or cancel your subscription at any time through your account settings or by contacting us.
• Payment Processing: Payments made directly on our Site are processed securely through third-party processors, including Stripe, PayPal, and WooCommerce. By submitting payment information, you agree to their respective Terms of Service and Privacy Policies.

4. Third-Party Services (Toast)

Our Site serves as a directory and provides links to a third-party platform, Toast, for restaurant reservations and online food ordering (pickup and delivery).

• When you click to order food or make a reservation, you will be redirected to Toast’s separate domain.
• We are not responsible for the functionality, payment processing, or fulfillment of orders placed through Toast. Your use of Toast’s services is governed solely by Toast’s Terms of Service and Privacy Policy.

5. Return and Refund Policy

Our policies regarding order cancellations, returns, and refunds are outlined in our Return and Refund Policy, which is incorporated by reference into these Terms. By making a purchase on our Site, you agree to the terms set forth in that policy. Please review it here.

6. Intellectual Property

All content published and made available on our Site, including but not limited to the MudPenny logo, photographs, text, graphics, and site design, is the property of MudPenny or the site’s creators. You may not use, reproduce, distribute, or create derivative works from our intellectual property without our express written consent.

7. Prohibited Conduct

You agree not to use the Site for any unlawful purpose or in any way that could damage, disable, overburden, or impair the Site. Prohibited behavior includes, but is not limited to:

• Attempting to gain unauthorized access to our Site, servers, or user accounts.
• Transmitting viruses, malware, or any destructive code.
• Using the Site to collect personal data of others without consent.

8. Privacy Policy

Your privacy is important to us. Our collection and use of your personal information, including data gathered during account creation and checkout, is governed by our Privacy Policy. Please review it here.

9. Disclaimer of Warranties

The Site and all products and services provided through it are provided on an “as is” and “as available” basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability or fitness for a particular purpose.

10. Limitation of Liability

To the maximum extent permitted by applicable law, MudPenny and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site, your inability to use the Site, or any products purchased from us.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law provisions. Any legal actions or proceedings arising out of these Terms shall be brought exclusively in the state or federal courts located in Michigan.

12. Changes to These Terms

We reserve the right to update or modify these Terms at any time. When changes are made, we will update the “Last Updated” date at the top of this page. Your continued use of the Site following the posting of changes constitutes your acceptance of the revised Terms.

13. Contact Information

If you have any questions or concerns regarding these Terms, please contact us at:

MudPenny
570 Cesar E. Chavez Ave SW
Grand Rapids, MI 49503
Email: hello@mudpenny.com
Phone: (616) 259-5353