Tab Terms of Service

Tab is provided by Endive Limited, a company registered in Ireland, number 828414, 10 Nutley Lane, Donnybrook, Dublin 4, D04 X3D0, Ireland ("Tab", "we", "us"). Email: support@tabreceipts.com.

These terms are an agreement between you and us. You accept them when you create an account, including when you first sign in with Google or Apple. If you do not agree to them, do not use Tab.

Our Privacy Policy at https://tabreceipts.com/privacy explains what we do with your personal data. It is a notice, not part of this agreement: you are asked to read it, not to agree to it.

Your legal rights come first. You are a consumer, and the law gives you rights that no contract can take away. Nothing in these terms limits or excludes them. Where a term here and your rights under consumer law disagree, your rights win.

Tab is a personal app for keeping receipts. You photograph or enter a receipt; Tab stores it, reads it, organises it, lets you search and export it, and lets you share it or split it with other people.

Tab is free today. If we ever introduce paid features, we will tell you in advance what they cost, nothing will be charged without your clear agreement, and what is free when you read this will not start costing money without notice.

Tab is a record-keeping tool. It is not financial, tax, accounting or legal advice, and it is not a payment service. Whether a receipt is good enough for a tax return, an expense claim or a warranty is a matter for you and whoever you give it to.

Tab is new. It is under active development and you should expect changes, the odd fault and occasional interruptions. Keep the original of any receipt you cannot afford to lose until you are satisfied Tab has it safely, and save a copy from time to time if your receipts matter to you (Library, More, Export receipts, then Export archive).

You must be 16 or older to use Tab. By creating an account you confirm that you are.

Tab is for personal and household use. You may keep receipts for your own work expenses in it, but Tab is not offered as a business system, and we are not responsible for business losses (section 11).

Tab is offered in the European Union and the European Economic Area.

• One account is for one person. Do not share it.
• Give us an email address that works, and keep it up to date. It is how we reach you and how you recover your account.
• Keep your password and your phone secure. Tell us at support@tabreceipts.com if you think someone else has got into your account.
• You are responsible for what is done through your account, unless it happened because of our failure to keep Tab secure.

What you put into Tab stays yours. That means your receipt photos, the details on them, your notes, tags, folders and messages, and your profile photo. We claim no ownership of any of it.

To run the service we need your permission to handle it. You give us a licence to store your content, make backup copies of it, process it (including having our AI provider, named in the Privacy Policy, read your receipt photos when you have allowed that), and show it to you and to the people you choose to share it with. That is all the licence covers. It is:

• limited to running Tab for you. We will not sell your content, publish it, use it for advertising, or use it to train AI models;
• non-exclusive. You can do what you like with your own receipts;
• free of charge and worldwide, because our providers operate in more than one country; the Privacy Policy says where;
• temporary. It ends when you delete the content or your account, apart from the time it takes for deletion to finish and for backups to expire, which the Privacy Policy sets out.

You promise that you have the right to put the content into Tab. For your own receipts, you do.

When you scan a receipt, an AI model reads the photo and fills in the details. Tab asks your permission first, and you can choose to type receipts in by hand instead.

The AI can be wrong. It may misread a total, a date, a currency, a merchant or an item, or miss something entirely. Everything it fills in can be edited. Check the figures against the receipt before you rely on them, particularly before you use them for a tax return, an expense claim, or a bill you are asking other people to pay.

Categories, merchant details, map locations and currency conversions are also produced automatically and are there for convenience. Converted amounts use published reference rates, not the rate your bank charged you.

You decide who sees a receipt. When you share a receipt or split a bill, the people you choose can see the receipt, including its photo, and your name and profile photo. You are responsible for choosing them. If a receipt shows other people's details, such as a name written on a bill, make sure you have the right to pass it on.

Links. A link gives access to whoever holds it, so send it only to the person it is for. Anyone who has a split link can read what it shows: the receipt's title and shop, the items and amounts in that person's share, and your message. Share links expire after 7 days and split links after 30, or after 12 months while the guest has asked Tab to keep the split for their email. You can end a share sooner with Stop sharing or Cancel split. We cannot recall a link from a chat you pasted it into.

A split is arithmetic, nothing more. When Tab works out each person's share, it is doing sums on the figures you gave it. Tab does not move money, take payments, hold funds or collect anything from anyone. A split does not create a debt, a request for payment or any legal obligation, and Tab does not check, record or enforce whether anybody pays. How you settle up is between you and your friends. Tab is not a party to it.

Rounding. Shares are rounded to the smallest unit of the currency, so they can differ from an exact division by a cent or so.

Do not:

• use Tab for anything unlawful, or to store content that is unlawful;
• put other people's personal data into Tab when you have no right to, or use Tab to harass anyone, including through share messages;
• try to get into an account, a receipt or a system that is not yours;
• probe, attack or overload the service, or get around its limits. If you have found a security problem, tell us instead: https://tabreceipts.com/help says how, and we will thank you for it;
• copy data out of Tab by automated means, other than your own data through the export feature;
• reverse engineer the app, except where the law gives you a right to that cannot be excluded;
• resell Tab or pass it off as your own.

If someone sends you something you did not want, you can block them and report it. Open the share, or the receipt it became, and choose "Block this person" or "Report". A person you have blocked cannot send you anything new, and anything they had already sent and you had not answered is removed from your notifications. They are not told. You can see and undo your blocks by tapping your photo, then People, then Blocked people. We read every report. We may remove content, or suspend or close an account, when a report shows these terms have been broken.

We work to keep Tab running, but we do not promise that it will always be available or free of faults. It depends on your phone, your network, and on other companies' services. Sometimes we will take it down for maintenance.

We may change, add or remove features. We will only do so for a good reason, and these are the reasons:

• to fix faults or improve security;
• to comply with the law or with the rules of the Apple App Store or Google Play;
• because a company we rely on changes or ends its service, or changes its prices;
• because a feature costs more to run than we can sustain, or is little used;
• to improve the app.

If a change takes away something you rely on, or makes Tab materially worse for you, we will tell you in the app a reasonable time beforehand, normally at least 30 days, unless the change is urgent for security or legal reasons. You can stop using Tab and delete your account at any time, and you can export your receipts first.

If we ever decide to close Tab altogether, we will give you at least 60 days' notice so that you can export your receipts.

You can leave at any time. Tap your photo at the top left, then Profile details, then Delete account. If you no longer have the app, https://tabreceipts.com/delete-account explains how to ask us. Your account is scheduled for deletion and you have 30 days to change your mind by signing in again and choosing Cancel deletion. After that, your account and its contents are permanently deleted, as the Privacy Policy describes. Export anything you want to keep before the 30 days are up.

When we may suspend or close your account. We may do so if you seriously or repeatedly break these terms, if the law requires it, or if your account is being used in a way that puts Tab or other people at risk.

• We will tell you first, by email, say why, and give you a reasonable chance to put things right where that is possible.
• We may act without notice only where there are serious grounds: a security threat, unlawful use, or harm to other users. In that case we will tell you as soon as we can afterwards.
• Unless the law forbids it, we will give you the chance to export your receipts before an account is closed.
• If you think we got it wrong, write to support@tabreceipts.com and a person will look at it again.

Sections 5 (the licence, for as long as deletion takes), 11 and 15 continue to apply after these terms end.

What we owe you. We will provide Tab with reasonable care and skill. If we fail to, and you lose out as a result, we are responsible for loss that was a foreseeable consequence of our failure. Loss is foreseeable if it was obvious that it would happen, or if you and we both knew it might when you accepted these terms.

What we never exclude. Nothing in these terms limits or excludes our liability for:

• death or personal injury caused by our negligence;
• fraud or fraudulent misrepresentation;
• any failure to meet an obligation that the law says cannot be limited or excluded, including your rights under the Consumer Rights Act 2022 and under data protection law.

What we are not responsible for. Subject to the paragraph above:

• Loss we could not have foreseen.
• Business losses. Tab is for personal use. We are not responsible for loss of profit, loss of business, business interruption or loss of business opportunity.
• Events outside our reasonable control, such as a failure of the internet, of your phone, or of a company we rely on, where we could not reasonably have avoided the effect.
• Figures you did not check. Tab tells you plainly, here and in the app, that AI reading can be wrong. We are not responsible for loss caused by relying on a figure the AI filled in without checking it against the receipt.
• What other people do with what you share. Once you share a receipt or send a link, we cannot control what the recipient does with it.
• Money between you and other people. Tab does not handle it (section 7).
• Loss you could have avoided by taking reasonable steps, such as keeping the original of an important receipt (section 2).

A limit, where the law allows one. Tab is free, and we earn nothing from your use of it. So, for any loss that the law allows us to limit, our total responsibility to you for everything arising in any 12 months is limited to €100. This limit never applies to anything in "What we never exclude" above, including your rights under the Consumer Rights Act 2022 and your right to compensation under data protection law.

If something goes wrong, write to support@tabreceipts.com. Tell us what happened and we will try to put it right.

We may change these terms for these reasons: to reflect a change in the law or in the app stores' rules; to reflect a change to Tab's features or to the companies we rely on; to introduce paid features; to fix something that is unclear or wrong; or for security.

• We will tell you in the app, and by email for a significant change, at least 30 days before the change takes effect, with a summary of what is changing. A change needed urgently for legal or security reasons may take effect sooner, and we will say so.
• If a change matters, the app will ask you to accept the new terms. If you do not accept them, you can export your receipts and delete your account, and the old terms apply until you do.
• A change never applies to something that happened before it took effect.
• Earlier versions are listed in the history at the end, and we will send you a copy of any of them if you ask.

Tab depends on services from other companies, which the Privacy Policy names. When you use them through Tab, their terms apply to you as well:

• signing in with Google or Apple is covered by that company's terms for your account with it;
• downloading and updating Tab is covered by the terms of the Apple App Store or Google Play;
• map data comes from OpenStreetMap contributors and is used under the Open Database Licence;
• your mobile network may charge you for data.

You agree to follow those terms where they apply to your use of Tab.

Tab itself. The app, its name, its design and its code belong to us or to those who license them to us. We give you a personal, non-transferable, non-exclusive right to install and use the app under these terms. Nothing else in the app passes to you.

Feedback. If you send us a suggestion, we may use it to improve Tab without owing you anything. We will not publish your name with it unless you agree.

This section applies if you downloaded Tab from Apple's App Store. It is there because Apple requires it. "Apple" means Apple Inc. and its subsidiaries.

1. This agreement is with us, not Apple. These terms are between you and Tab only. Apple is not a party to them and is not responsible for the app or its content. If these terms conflict with the Apple Media Services Terms and Conditions, Apple's terms apply to that extent.
2. Scope of licence. Your licence to use the app is non-transferable and limited to using it on Apple-branded devices that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions. The app may also be accessed by other accounts associated with you through Family Sharing or volume purchasing.
3. Maintenance and support. We alone are responsible for maintaining and supporting the app, as set out in these terms and as the law requires. Apple has no obligation to provide any maintenance or support for the app.
4. Warranty. We are responsible for any warranty that applies to the app, whether the law provides it or we have given it, to the extent it has not been validly excluded. If the app fails to conform to a warranty that applies, you may tell Apple, and Apple will refund the purchase price of the app to you, if any. To the maximum extent the law permits, Apple has no other warranty obligation for the app. Any other claim, loss, liability, damage, cost or expense arising from a failure to conform to a warranty is our responsibility, under these terms. Tab is free, so there is normally no purchase price to refund. None of this affects your statutory rights.
5. Product claims. We, not Apple, are responsible for dealing with any claim you or anyone else makes about the app or your possession or use of it. That includes product liability claims, claims that the app fails to meet a legal or regulatory requirement, and claims under consumer protection, privacy or similar laws. These terms limit our liability to you only as far as the law allows (section 11).
6. Intellectual property claims. If someone claims that the app, or your possession and use of it, infringes their intellectual property rights, we, not Apple, are responsible for investigating, defending, settling and discharging that claim.
7. Legal compliance. You confirm that you are not located in a country that is subject to a United States Government embargo or that the United States Government has designated as a "terrorist supporting" country, and that you are not on any United States Government list of prohibited or restricted parties.
8. Our name and address. Questions, complaints and claims about the app go to: Endive Limited, a company registered in Ireland, number 828414, 10 Nutley Lane, Donnybrook, Dublin 4, D04 X3D0, Ireland, support@tabreceipts.com.
9. Third-party terms. You must comply with any third-party terms that apply to you when you use the app. Section 13 lists the ones we know of.
10. Apple as third-party beneficiary. Apple and its subsidiaries are third-party beneficiaries of these terms. Once you accept these terms, Apple has the right, and is deemed to have accepted the right, to enforce them against you as a third-party beneficiary.

These terms are governed by Irish law.

That does not take away the protection of your own country's law. If you live in another EU or EEA country, you keep the benefit of any mandatory consumer protection in the law of the country where you live.

Courts. You can bring a claim against us in the Irish courts, or in the courts of the EU or EEA country where you live. If we bring a claim against you, we will bring it where you live. We do not require arbitration, and nothing here stops you taking part in a collective action or using the small claims procedure.

We are not obliged to use, and do not offer, an alternative dispute resolution scheme. The EU's online dispute resolution platform closed on 20 July 2025.

Your statutory rights are not affected by anything in these terms.

• If part of these terms is invalid. If a court finds any part of these terms unenforceable, the rest still applies.
• No waiver. If we do not enforce a term straight away, we can still enforce it later.
• Transfer. We may transfer our rights and obligations under these terms to another organisation that takes over Tab. We will tell you before we do, your rights under these terms will not be reduced by it, and you can delete your account if you do not want to continue. You may not transfer your account to someone else.
• Nobody else has rights under these terms, apart from Apple under section 14.
• Language. These terms are in English, and English is the only language we publish them in.

Endive Limited, a company registered in Ireland, number 828414, 10 Nutley Lane, Donnybrook, Dublin 4, D04 X3D0, Ireland support@tabreceipts.com

In the app: tap your photo, then Help, and under Get in touch choose Contact us.

If you have a complaint, write to us first and we will answer within 14 days. You can also contact the Competition and Consumer Protection Commission (ccpc.ie) about your consumer rights, and the Data Protection Commission (dataprotection.ie) about your personal data.

Version	Effective from	What changed
1.0	9 November 2026	First version