MMM is a global mutual aid fund, financial social network. MMM isn’t a company, organization or a business project. MMM has its own website which connects participants who want to provide help with those who need help. The participants transfer money, acting of their own free will. There aren’t any obligations and guarantees. If you have any other questions, please contact our guiders. They are always ready to help you.
The aim of MMM is to encourage and teach people to provide financial help to each other and change in this way the character of financial relations among people throughout the modern world. Unlike charity organizations that offer help to people who got into trouble, MMM promotes mutual help — everybody is helped and everybody helps. It paves the way to a more humane and fair society.
The idea of creating a global community of mutual aid belongs to Sergey Mavrodi, who founded and leads MMM. That is Sergey Mavrodi who allows the Community to remain united and carry on its development. At the same time appreciates each member of the Community, their ideas and offers. Each active participant who shares the values of MMM can become a manager and create own structure.
Any person of legal age is able to join the MMM Community. There is absolutely equal attitude to members of different age and social groups, work status and political backgrounds, countries and religions. The Community doesn’t contrast people against each other and doesn’t act on the principle of “divide and conquer”. Everyone contributes to the common good. The participants are asked only to follow the recommendations and avoid enriching themselves at the expense of others.
MMM has no financial accounts and thus has no need in legal registration.
MMM is the community, the social network, where people, who are willing to help each other voluntarily, can register and leave their contact information. Thus, the members of the MMM Community have no financial relationship with the Community itself, but only with each other. That is why MMM is not a subject of legal relations, and so the MMM Community cannot be illegal. With regard to the legality of its participants’ activity, it can be qualified as an act of gracious donation. Giving money by one participant to another one is not prohibited by either international or local legal systems. The right for gift giving — is one of the main forms of realization of the right for private property. MMM Community advocates for citizens’ strict observance of their countries’ legislation.
Personal Office is the personalized section of the site, available for registered members. The Personal Office displays information related to membership in the Community, it’s possible to get, provide and confirm help, to enter and edit your personal contact details, to register newcomers and manage their PO, to select a referrer and a manager, to have support from consultants, to enter into a direct relationship with the recipient or assistance provider, adjust the time of providing/getting help, etc. You provide assistance to other participants only through Personal Office (PO) and only after you have created a request for providing help for a certain amount. Access password in PO is sent to a participant after the registration.
Logging in your PO and key transactions on funds withdrawal or change in account should be made only after SMS confirmation by the phone. The most frequently visited sections of the PO are Dashboard where you can find the information part of all operations, and “Mavro”, where you can get acquainted with the current status and expectable growth of the funds on your account. Particular attention should be paid to the accuracy of filling in the “Accounts” section. So that incompleteness or inaccuracy in bank details won’t cause any problems. In case of blocking of your PO due to violations of the rules, the only available operation remains is to contact support in order to learn the cause of the blockage and the conditions of its withdrawal.
A referrer is a participant of the Community who invited another participant. A referral is someone who was invited. If you registered a new participant or he registered himself by your invitation code, then you’re a referrer, and he is your referral. In PO in the section “Participants”, you can see the list of your referrals (there may be many of them). Any newcomer who came through your referral link will be directed to the registration page of MMM’s website, where he will be automatically considered your referral. Yyour referral link can be found in PO in “My page” section and in “Participants — referrals” subsections. To place your referral link on other Internet resources you must copy it in the body of the message.
This is a verbal invitation code from a participant of MMM, owing to which he can invite other people into the Community and get a referral bonus.
For this purpose newcomer writes an invite of inviting person in the appropriate section of the registration form. From that moment on, he becomes your referral. To get a personal invite, go to PO in the section “My page” and specify the meaning word for it. To attract new members by using the invite there are many possibilities depending on the personal creativity and imagination. The most popular of them are:
The referral link is the invite’s analogue, but it is more convenient to attract new members through the Internet. A person coming to the system through your referral link will be automatically redirected to MMM register page. After registering he automatically becomes your referral. Afterwards, you can receive referral bonuses from all contributions he/she makes. The referral link can be found in PO in the “My page” section, in the “Referrer” tab or in “Participants-Referrals” subsection.
All you need to do — is to click “Show my referral link”, which will open a new window, and copy all the text in the field.
Mavro is a conventional unit for measurement of provided help to other participants in MMM. Mavro can be credited in form of bonuses for activities such as promoting the community, referring new participants, assisting other participants in their needs. Actually Mavro is a unit of measurement of participant’s contribution to the community. The more one contributes — the more Mavro he gets. The amount of MAVRO in the participant’s PO shows the maximum amount of help he can ask for. For example, if the participant has 100 MAVRO, he can ask for 100-dollar help. The number of growing MAVRO and progressive calculation of the amount of help can be seen directly in your PO in the section “Mavro”.
Attention! MAVRO isn’t a currency, debt obligation or other form of financial assets. With MAVRO, you can’t buy any goods or services. At any time the number of MAVRO, growth rate and the types of mutual-aid programs can be changed for the stability of the Community in order that participants will continue to get help.
The data concerning MAVRO and amount of help available for the withdrawal can be found in the Personal Office (section “MAVRO”)
The number is unlimited. You can provide help even if you have already created “Get Help” request. However, you cannot activate more than one “Get Help” request at the same time. During this time, you also will not be able to make any changes in the section “My page” and “Accounts”, so you should check in advance the correctness of your data before sending the request for getting help.
If you decide to change the password to your Personal Office, a five-day moratorium on getting assistance (withdrawals) will be imposed on you. That is, within 5 days after the password has been changed, you won’t have the right to create a request for getting assistance. After the specified time is over, all your rights will be restored and you will be able to get help. This is done for security purposes to prevent hacking and stealing your account by frauds and hackers.
Guiders are experienced and well-informed participants of the Community who consult and help the participants who they lead. Guiders don’t have the right to demand the money to be transferred to any account. They just help the members of their unit feel confident in the Community and are responsible for the members whose direct guiders they are. Guider ’s bonuses from the contributions made by the participants of their structures have a multilevel character (See the section on bonus programs Bonus System).
In MMM System you are allowed to add several bitcoin addresses to your personal office. You have the right to request assistance to be sent to any specified bitcoin address of yours.
Spreading MMM ideas and inviting new members to the Community is your additional contribution to the development of the Community. Nobody forces participants to invite beginners, however understanding that the Community exists due to the development pushes many participants to take active position. Hold seminars or home presentations, conduct charity actions or flash mobs, lead webinars and thematic blogs. Create your own large structure getting Structure and Team’s bonuses for that. At the same time, you’ll make your own contribution to the development of the Community MMM Global.
If you have forget your password or want to change it, follow "Get a new password" link.
Following that link in the “Password Recovery” letter you will be redirected to the “Change Password” page, where your Recovery code will be already inserted automatically.
Congratulations! Your password has been changed.
If you want to be a part of the Community, you should register on the official MMM website or by one of Guider’s.
Fill the registration form.
(Fields marked with * are required)
Once you have completed all required fields there will be a congratulation message on your screen. And also instructions what to do next:
If you can not access the official MMM website or Personal Office for any reason, try to:
If it doesn’t help, use extensions that enable to avoid blocks such as:
These applications are easy to use and compatible with the most popular browsers — Google Chrome and Mozilla Firefox.
You can also use TOR browser. You can read about TOR and download it here.
As soon as Help was received (money for "sold' Mavros), every participant has to write a "Letter of happiness". A form for creating such letter will appear automatically when you confirm your receipt of funds. Later it will be published in “Testimonials” section on MMM Website.
How to create a “letter of happiness”:
You can create a message on any issue.
Question: I’ve forgotten/ I want to change my password, but I didn’t receive any message to my e-mail with password recovery. What should I do?
Answer: Check “Spam” folder. If you really didn’t receive, request it again.
Question: I have confirmed Mavros, but I can’t withdraw them. Why?
Answer: You should have not only confirmed, but also unfrozen Mavros. Every type of Mavro has different color. Green Mavros are available for withdrawal (“selling”), blue ones are frozen, red ones are unconfirmed.
Question: My account was hacked! What steps should be taken?
Answer: Change your password immediately! Inform your Guider about the incident.
Question: I want to “buy/sell” Мavros (created a Request), but see no Order(s) in my Personal Office.
Answer: An Order creation can take up to 3 days. You should just wait. If you waited for more than 3 days, contact your Guider.
Google Authenticator (GA) is the authorization method for additional security to enter your Personal Office. GA is an application. It’s generating a code to access your Personal Office. GA can be used even without internet connection. It can be installed on smartphones, laptops, PCs, tablets.
How to install Google Authenticator application.
Requirements — version 2.1 or later.
Requirements — version iOS 5.0 or later.
MMM aims to create maximum safety for each participant. But, unfortunately, periodically attackers still get access to the Personal Office of the Community’s members.
In 99% of cases this is the fault of the participants themselves, who were too trusting or allowed to infect their computer with malware.
We want you to be careful and not allow the scammers to steal your data, so we have created detailed instructions on how to protect yourself from intruders.
Scammers can enjoy participants’ trustfulness:
Remember: MMM administration never asks for your password in any circumstances. Only you know the password. Don't give it to anyone, especially to the fake administration!
The majority of the participants know that MMM does not ask for a password, so the scammers have other ways and offer paid services on behalf of the administration:
Remember: MMM administration never offers any paid services and doesn't take money from the participants. If you are asked to transfer money to the account of MMM administration for some services — you are cheated!
The attacker can get the password of the Personal Office without trying to have it out by fraud from you personally. Scammers use software to generate passwords and choose the cipher automatically. If the password is too simple — you are under threat of hacking.
The password has 5 categories of complexity:
To keep your Personal Office safe, use difficult and very complex passwords. Change passwords every 3-6 months.
If you find it difficult to come up with a complex password, use the online generators:
Do not keep your passwords in a text document on your computer, memorize them and write down on a piece of paper, put it in a safe place.
For additional convenience and security you can use a free password Manager KeePass - http://keepass.com/. The passwords will be stored in a secure database. Create one complex password for access to the program. This password can be used to log any other sites in.
Remember: Scammers use programs to guess passwords. To protect your Personal Office, create complex passwords of 11 and more characters with numbers and mixed letter cases. Do not store the passwords in text documents, write them on a piece of paper and/or use a password Manager KeePass. Change your passwords regularly.
If an attacker cannot guess the password to your account, he attempts to hack your E-mail in order to get access to your Personal Office using the password recovery procedure:
We highly recommend you to use Gmail — mail.google.com/. It is the most secure mail at the moment.
If you have invented a reliable password and protected your E-mail, the scammer may try to attack you through the browser. One of the browser’s functions is remembering passwords so that it would be more convenient for the user to log in sites. This can be used by the attacker:
Protect yourself from hacking by 2 steps:
Remember: an attacker could try to hack you via the browser. To protect yourself, use only tested browsers (Google Chrome or Mozilla Firefox) and do not allow them to remember passwords.
If you store the password in your computer or phone, the attacker has another option to steal it - to infect your PC or smartphone with spyware. How it happens:
Use the rule of 4 “do nots”:
Remember: an attacker could try to infect your computer with a virus or spyware program to steal money and information. Install a powerful antivirus, don't download unknown files and don’t click on suspicious links.
If you use all ways of the security, but do not update the software, you still risk being infected by a virus or a spyware program.
How it happens:
We recommend to select automatic updates. Also update the operating system of your PC (Windows, Linux, Mac OS) and the smartphone (iOS, Android, Windows Phone, BlackBerry). Optionally update the software on your devices.
Remember: an attacker could infect your computer with fresh spyware, if you do not update the antivirus. Regularly update your antivirus, operating system and software on the PC and the smartphone.
If you failed to protect yourself and the scammer hacked your account — do not panic.
To be a victim of the hacking is annoying, but not fatal. Don't let scammers steal access to your account.
Before you continue to participate in MMM, follow these steps:
Remember: if you are hacked, don't panic. Inform MMM administration. If the scammer has created a request for assistance, ask the sender not to transfer money. Clean your computer and smartphone from viruses and change your password to the e-mail. Then change your password to your Personal Office.
Follow these rules and do not allow criminals to deceive you — to infect your computer, steal money or information.