Tabby Terms of Use
Last Updated: Nov 12, 2025
Welcome to Tabby! These Terms of Use (“Terms”) constitute a legally binding agreement between you and Spensibly, Inc. (“Tabby,” “we,” “us,” or “our”), operating under the trade name Tabby. These Terms govern your access to and use of Tabby’s website, mobile applications, and AI-powered bookkeeping services (collectively, the “Services”).
PLEASE READ THESE TERMS CAREFULLY. BY CREATING AN ACCOUNT, ACCESSING, OR USING OUR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT ACCESS OR USE THE SERVICES.
Table of Contents
01 Definitions
- 1.1 "Customer" or "you" means the individual or legal entity that has created an account and subscribed to use the Services.
- 1.2 "Subscriber" means the person or entity responsible for the subscription account and payment obligations.
- 1.3 "Invited User" means any person, other than the Subscriber, who has been granted access to use the Services through a subscription.
- 1.4 "Customer Data" means all data, information, and content that you submit, upload, or transmit through the Services, including financial records, receipts, invoices, and transaction data.
- 1.5 "Personal Data" means any information relating to an identified or identifiable natural person as defined under applicable data protection laws.
- 1.6 "Tabby for Accountants" means the specialized version of our Services designed for CPAs, accountants, and accounting firms to manage multiple client accounts.
02 Account Creation and Access
2.1 Eligibility
To use the Services, you must: be at least 18 years of age; have the legal capacity to enter into binding contracts; provide accurate, complete, and current information during registration; and not be prohibited from using the Services under applicable laws.
2.2 Account Registration
When you create an account, you agree to: provide true, accurate, current, and complete information; maintain and promptly update your account information; maintain the security and confidentiality of your login credentials; notify us immediately of any unauthorized access or security breach; and accept responsibility for all activities that occur under your account.
2.3 Account Types
- Individual Accounts: For solopreneurs, freelancers, gig workers, and single business owners.
- Multi-Business Accounts: For users managing multiple business entities.
- Tabby for Accountants: For accounting professionals managing client accounts (subject to additional terms).
2.4 Subscriber and Invited User Roles
The Subscriber has full control over the subscription, including managing billing, inviting and removing users, and controlling access levels. As a Subscriber, you are responsible for all activities of Invited Users under your subscription. Invited Users must accept these Terms to access the Services.
03 Description of Services
3.1 Tabby provides AI-powered bookkeeping and financial automation tools, including automated expense tracking, invoice generation, receipt scanning, and bank syncing.
3.2 Tabby for Accountants includes a multi-client dashboard and collaboration tools.
3.3 We reserve the right to modify, update, enhance, or discontinue any features at any time. We will make reasonable efforts to notify you of material changes.
04 Subscription Plans and Billing
4.1 Access to certain features requires a paid subscription. Billing cycles and fees are displayed during the signup process.
4.2 Free Trials: If you do not cancel before a trial ends, you authorize us to charge your payment method for the selected subscription plan.
4.4 Auto-Renewal: Subscriptions automatically renew at the end of each billing cycle unless you cancel before the renewal date.
4.6 Late Payments: If payment is not received when due, we may suspend access after 7 days and terminate the subscription after 14 days.
4.8 No Refunds: All fees are non-refundable except as required by law.
05 Grant of License
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for your internal business purposes during your subscription term.
06 Your Responsibilities
6.1 You are responsible for ensuring all provided information is accurate and verifying the accuracy of any AI-generated financial data or reports.
6.4 You are responsible for reviewing and verifying all AI-generated categorizations and financial information before relying on them for tax filings or business decisions.
07 Data Ownership and License
7.1 You retain all ownership rights to your Customer Data.
7.2 You grant us a worldwide license to process your data to provide the Services.
7.3 We may use anonymized or aggregated data to train AI models and conduct industry research.
08 Privacy and Data Protection
8.1 Our collection and use of Personal Data is governed by our Privacy Policy, available at https://www.usetabby.com/privacy-policy/.
09 Security
We implement industry-standard safeguards, including encryption. Bank connections are facilitated through secure third-party services such as Plaid; we do not store your banking credentials.
10 Third-Party Integrations
The Services integrate with third parties like Plaid, Stripe, and AWS. We do not assume liability for the acts, omissions, or failures of these third-party services.
11 Intellectual Property Rights
Tabby owns all rights, title, and interest in the Services, technology, and branding. Any feedback you provide grants us an unlimited license to use such ideas without compensation.
12 Prohibited Conduct
You may not gain unauthorized access, introduce malware, commit fraud, or misuse the Services for illegal activities. We reserve the right to suspend accounts for violations.
13 Service Availability
We strive for 24/7 availability but do not guarantee uninterrupted access. You are responsible for maintaining your own backup copies of Customer Data.
14 Termination and Suspension
You may cancel at any time through account settings. We may terminate access immediately for breach of terms, fraudulent activities, or non-payment.
15 Disclaimers
TABBY DOES NOT PROVIDE LEGAL, TAX, ACCOUNTING, OR FINANCIAL ADVICE. YOU ARE SOLELY RESPONSIBLE FOR CONSULTING WITH QUALIFIED PROFESSIONALS AND VERIFYING AI-GENERATED CONTENT.
16 Limitation of Liability
OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF THE TOTAL FEES PAID BY YOU IN THE THREE (3) MONTHS PRECEDING THE EVENT, OR ONE HUNDRED DOLLARS ($100).
17 Indemnification
You agree to indemnify Tabby and Spensibly, Inc. from claims arising from your misuse of the Services, your Customer Data, or your violation of these Terms.
18 Dispute Resolution and Arbitration
18.1 You agree to first attempt to resolve disputes informally for sixty (60) days.
18.2 Unresolved disputes shall be settled through binding arbitration in New York, NY.
YOU WAIVE ANY RIGHT TO PARTICIPATE IN CLASS ACTION LAWSUITS.
19 General Provisions
19.2 We may modify these Terms at any time with notice.
19.8 We are not liable for delays due to events beyond our control.
19.11 You consent to receive electronic communications from us.