Terms of Use

1. Acceptance of these Terms

By downloading, installing, or using Tabsy (the “App”), you agree to these Terms of Use (“Terms”). If you do not agree, do not use the App.

You also agree to Apple’s Licensed Application End User License Agreement, which governs your use of any App Store app. Where Apple’s EULA conflicts with these Terms, Apple’s EULA controls.

2. What Tabsy is

Tabsy is a personal expense-splitting tool that helps you record shared expenses and calculate settlements among a group of people. The App runs entirely on your device. Optional sync occurs through your private iCloud account (Apple’s service, not ours).

We do not provide financial services. Tabsy does not move money, hold money, process payments, or interact with banks or payment networks. Settling debts shown by Tabsy happens entirely outside the App, using whatever method you and your friends choose.

3. Eligibility

You must be at least 13 years old to use Tabsy. By using the App you confirm that you meet this requirement. If you are using Tabsy on behalf of a business or another person, you confirm you have the authority to accept these Terms for them.

4. Your license

We grant you a personal, limited, non-exclusive, non-transferable, revocable license to install and use Tabsy on devices you own or control, for your personal, non-commercial use, subject to these Terms and Apple’s EULA.

You may not:

• Reverse-engineer, decompile, or attempt to derive source code from the App, except where applicable law expressly allows it
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices
• Use the App in any way that violates law, infringes others’ rights, or harasses any person
• Resell, sublicense, or commercially distribute the App
• Use the App to track expenses involving criminal activity, money laundering, or anything else that would violate applicable law

5. Your data and your devices

Tabsy stores your data locally on your device and, if you enable it, syncs through your iCloud account. You are responsible for:

• The accuracy of the data you enter
• Backing up your device through Apple’s standard mechanisms
• Securing your device (passcode, Face ID/Touch ID, etc.)
• Resolving any disputes among yourself and the people you track expenses with

We do not arbitrate, mediate, or take responsibility for the financial agreements between you and the people in your tabs.

6. No warranties

The App is provided “as is” and “as available” without warranties of any kind, express or implied, including (without limitation) warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or that the App will be uninterrupted or error-free.

We don’t guarantee that Tabsy’s calculations are correct for your situation. Verify amounts before sending or receiving money.

To the maximum extent permitted by applicable law, we disclaim all such warranties.

7. Limitation of liability

To the maximum extent permitted by applicable law, in no event will we be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, loss of data, business interruption, or financial loss between you and any third party — arising out of or related to your use of the App, even if advised of the possibility of such damages.

Our total liability for any direct damages arising from the App will not exceed the amount you paid to us in the past twelve months (which, for a free app, is zero).

Some jurisdictions don’t allow certain limitations — in those, the limitations above apply to the maximum extent permitted by law.

8. Third-party services

The App relies on Apple’s iOS and (optionally) iCloud/CloudKit services. Your use of those services is subject to Apple’s terms. We are not responsible for outages, data loss, or behavior of Apple’s services.

9. Intellectual property

Tabsy, its source code, design, name, and logo are owned by hipporasy. These Terms don’t transfer any intellectual property rights to you.

You retain ownership of the content you create in the App (tab names, expense descriptions, receipt photos, etc.). Because that content stays on your device and your iCloud, we don’t claim any rights to it.

10. Termination

You can stop using the App at any time by deleting it from your device. To erase your local data first, open the App → Profile → Reset → “Erase all data.”

We may end your license to use the App if you materially breach these Terms. If we ever discontinue Tabsy, we’ll make a reasonable effort to notify users through the App Store listing.

11. Changes to these Terms

We may update these Terms occasionally. If we make a material change, we’ll update the “Last updated” date at the top and, where reasonable, note it in App Store release notes. Continued use of the App after a change means you accept the new Terms.

12. Governing law

These Terms are governed by applicable law, without regard to conflict-of-law rules, except where applicable consumer protection law gives you the right to bring a claim where you live.

13. Contact

Questions about these Terms: nil@hipporasy.dev.