Legal
Terms of Use
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Table of Contents
Please read these Terms carefully. By creating an account, accessing, or using Tabby's Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree, do not use the Services.
01 Definitions
1.1 “Customer,” “you,” “your” — the individual or entity that accesses or uses the Services.
1.2 “Subscriber” — the Customer who holds the paid subscription and account administration rights.
1.3 “Invited User” — an individual granted access to a Subscriber’s account (e.g., an accountant, bookkeeper, or team member) at the Subscriber’s invitation.
1.4 “Customer Data” — any data, content, or information that a Customer or Invited User submits, uploads, or connects to the Services.
1.5 “Personal Data” — has the meaning given in our Privacy Policy.
1.6 “Tabby for Accountants” — the multi-client version of the Services designed for accounting and bookkeeping professionals.
02 Account creation & access
2.1 Eligibility
You must be at least 18 years old and capable of forming a binding contract to create an account or use the Services.
2.2 Account registration
You are responsible for providing accurate, current, and complete registration information, maintaining the confidentiality of your login credentials, and all activity that occurs under your account.
2.3 Account types
Tabby offers Individual accounts, Multi-Business accounts, and Tabby for Accountants accounts, each with different features and permission structures.
2.4 Subscriber & Invited User roles
Subscribers control billing, permissions, and access for their account. Invited Users access the account subject to the permissions granted by the Subscriber and remain bound by these Terms.
03 Description of Services
3.1 AI bookkeeping tools
Tabby provides AI-powered tools for expense categorization, receipt scanning, invoicing, financial reporting, and related bookkeeping automation.
3.2 Tabby for Accountants
A multi-client dashboard allowing accounting professionals to manage bookkeeping for multiple businesses from a single account.
3.3 Modifications
We reserve the right to modify, suspend, or discontinue any feature of the Services at any time, with or without notice.
04 Subscription plans & billing
4.1 Certain features require a paid subscription. Fees are billed in advance on a recurring basis according to your selected plan.
4.2 Free trials automatically convert to a paid subscription and you will be charged unless you cancel before the trial ends.
4.4 Subscriptions automatically renew at the end of each billing period unless canceled prior to renewal.
4.6 Accounts with late payments may be suspended after 7 days and terminated after 14 days of non-payment.
4.8 Fees are generally non-refundable except as required by law or as described in our Refund Policy.
05 Subscription plans & billing
Subject to your compliance with these Terms, Tabby grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes.
06 Your responsibilities
6.1 Accurate information
You are responsible for the accuracy of information you provide and for reviewing and verifying AI-generated categorizations, reports, and outputs before relying on them.
6.4 Verification before filing
You must review and verify all AI-generated categorizations and financial data before using them for tax filings, audits, or other compliance purposes. Tabby is not responsible for errors resulting from unreviewed AI outputs.
07 Data ownership & license
7.1 You retain ownership of all Customer Data you submit to the Services.
7.2 You grant Tabby a worldwide, royalty-free license to host, process, transmit, and display Customer Data as necessary to provide the Services.
7.3 We may use anonymized and aggregated data derived from Customer Data for research, analytics, and to train and improve our AI models.
08 Privacy & data protection
Our collection and use of personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference.
09 Security
We maintain industry-standard technical and organizational safeguards, including encryption in transit and at rest. Bank connections are facilitated through Plaid; we never store your bank login credentials. See our Security & Encryption page for details.
10 Third-party integrations
The Services integrate with third-party providers such as Plaid, Stripe, and AWS. We are not liable for the acts, omissions, downtime, or errors of any third-party service.
11 Intellectual property rights
Tabby and its licensors own all right, title, and interest in the Services, including all software, technology, and branding. Any feedback you provide about the Services may be used by Tabby without restriction or compensation, and you grant us an unlimited, royalty-free license to use it.
12 Prohibited conduct
You may not access the Services without authorization, introduce malware or harmful code, use the Services for fraudulent or illegal purposes, or attempt to reverse-engineer or circumvent security features. We reserve the right to suspend or terminate accounts that violate this section.
13 Service availability
We strive to keep the Services available at all times but do not guarantee uninterrupted or error-free operation. You are responsible for maintaining your own backups of critical data.
14 Termination & suspension
You may cancel your account at any time through your account settings. We may suspend or terminate your account immediately, without notice, for breach of these Terms, suspected fraud, or non-payment.
15 Disclaimers
15.3 No professional advice. TABBY DOES NOT PROVIDE LEGAL, TAX, ACCOUNTING, OR FINANCIAL ADVICE. YOU ARE SOLELY RESPONSIBLE FOR CONSULTING WITH QUALIFIED PROFESSIONALS AND VERIFYING AI-GENERATED CONTENT BEFORE RELYING ON IT.
Except as expressly stated, the Services are provided “as is” and “as available,” without warranties of any kind, whether express or implied.
16 Limitation of liability
OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF THE TOTAL FEES PAID BY YOU IN THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED DOLLARS ($100).
Except as expressly stated, the Services are provided “as is” and “as available,” without warranties of any kind, whether express or implied.
17 Indemnification
You agree to indemnify and hold harmless Tabby and Spensibly, Inc. from any claims, damages, or expenses arising from your misuse of the Services, your Customer Data, or your violation of these Terms.
18 Dispute resolution & arbitration
18.1 Before filing a claim, you agree to attempt to resolve any dispute informally by contacting us and allowing 60 days for resolution.
18.2 Any dispute not resolved informally will be settled by binding arbitration in New York, NY, rather than in court.
18.5 Class action waiver. YOU AND TABBY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY. YOU WAIVE ANY RIGHT TO PARTICIPATE IN CLASS ACTION LAWSUITS OR CLASS-WIDE ARBITRATION.
19 General provisions
19.2 We may modify these Terms at any time; material changes will be communicated with reasonable notice.
19.8 Neither party is liable for delays or failures caused by events beyond its reasonable control (force majeure).
19.11 By using the Services, you consent to receive communications from us electronically.
20 Contact information
Spensibly, Inc. DBA Tabby
118-21 Queens Blvd, Suite 606, Forest Hills, NY 11375, United States
Email: support@usetabby.com · Website: www.usetabby.com
By using Tabby’s Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.