Terms & Conditions

1. Who you're contracting with

The Tabby service (“Tabby”, “Service”) is provided by G. Ochoa LLC(“we”, “us”). By creating an account, joining a tab, or otherwise using the Service, you agree to these Terms. If you accept on behalf of an organisation, you confirm you have authority to bind it. If you are an individual, you confirm you are of legal age in your jurisdiction.

2. The Service

Tabby lets you create shared tabs, log expenses, split them across participants, and calculate who owes whom. We grant you a limited, non-exclusive, non-transferable right to use the Service within your chosen plan.

3. Acceptable use

You will not:

• use the Service unlawfully, fraudulently, or to send spam;
• upload content that infringes intellectual property or privacy rights;
• attempt to probe, scan, disrupt, or reverse engineer the Service;
• introduce malware, scrape at scale, or circumvent technical limits;
• resell or redistribute the Service without written permission.

4. Your content

You retain ownership of tab data and receipts you upload. You grant us a limited licence to host, process, and display that content solely to provide the Service (including passing receipt images to an AI provider for extraction).

5. Accounts and credentials

You are responsible for keeping your credentials confidential and for activity under your account. Provide accurate information and keep it up to date.

6. Payments, subscriptions & refunds

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns. Payment terms, taxes, billing frequency, and renewal mechanics are governed by Paddle's Buyer Terms. Our refund terms are described in our Refund Policy. Subscriptions renew monthly until cancelled; you may cancel at any time and will retain access until the end of the paid period.

7. Intellectual property

We (and our licensors) retain all right, title, and interest in the Service, including software, design, and branding. Nothing in these Terms transfers that ownership to you.

8. Service availability

The Service is provided on an “as available” basis. We do not guarantee that it will be uninterrupted or error-free.

9. Disclaimers

To the fullest extent permitted by law, we disclaim all implied warranties (including merchantability and fitness for a particular purpose). Balances shown are calculated from the data you provide; verify important amounts before settling.

10. Liability

To the maximum extent permitted by law, our aggregate liability to you for any claim arising out of the Service is capped at the fees you paid us in the 12 months before the claim. We are not liable for indirect, consequential, or special damages (including loss of profits, data, or goodwill). Nothing in these Terms excludes liability for fraud, death, or personal injury caused by our negligence, where such exclusion is not permitted by law.

11. Indemnity

You will indemnify us against claims arising from your content, your unlawful use of the Service, or your breach of these Terms.

12. Suspension & termination

We may suspend or terminate access for material breach, non-payment, security or fraud risk, or repeated or serious policy violations. On termination, you may request an export of your tab data for a reasonable period before deletion.

13. Governing law

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict of laws principles. Courts located in Delaware have exclusive jurisdiction unless applicable consumer law provides otherwise.

14. Changes & assignment

We may update these Terms; continued use after changes take effect constitutes acceptance. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.

15. Force majeure

Neither party is liable for delay or failure caused by events beyond its reasonable control.

16. Contact

Questions: support@tabbysplit.xyz.