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The downloads provided for FREE or low cost for full stories are non-refundable. The creatives who worked hard to produce their works, rely on these small amounts to support themselves and their families.

If you download a corrupted pdf, please contact info@4umm.com and a replacement will be emailed to you.

Using this site means that you accept these terms and conditions:

• Authors will earn 40% of every one of their sales. For example, for a $1.00 story that would be 40 cents for the download to be downloaded 10 times, you’d earn $4. 400 downloads at 40% of $1 is pretty good for doing what you love.
• Author stories with high volume of page views, with advertisements, may negotiate with admin@4umm.com for a percentage of the advertising profits
• Payments to Authors shall be made after an Author has accumulated $5.00 in earnings
• Payments shall be made via email from PayPal to USA recipients, where you will download your funds (this is the quickest means of payment to you)
• Should you require a physical check, you will be responsible for any fees and postage associated with production and delivery of a check. Checks are paid to USA Authors only.
• Site users, Authors, Readers, shall by extension of using this site and its services, shall indemnify this site from legal actions.

Thanks so much for making this site your own! Readers appreciate you!