Terms of Service

1. About Tab Ninja

Tab Ninja is a tool that helps groups track and split shared expenses such as trips, nights out, or shared purchases. The service allows users to create "tabs", record expenses, and calculate how costs should be shared between participants.

Tab Ninja does not process payments or transfer money between users.

2. Eligibility

You must be at least 18 years old to use Tab Ninja. By using the service you confirm that:

• You are legally able to enter into agreements
• The information you provide is accurate

3. Accounts

To create a tab or manage expenses you may be required to create an account. Accounts require:

• An email address
• A nickname

You are responsible for maintaining access to your email account used for login. You are responsible for any activity that occurs under your account.

4. Tabs and shared expenses

Users may create tabs and invite others to participate. When you create or edit a tab you agree that:

• The information entered is accurate to the best of your knowledge
• You have permission to include other participants if their email address is used
• You will not use the service to harass, impersonate, or misrepresent others

Tab Ninja simply records and calculates expenses. We do not guarantee the accuracy of user-entered data. Users are responsible for verifying expenses and balances within their group.

5. Tab organisers and responsibility

The person who creates a tab (the organiser) is responsible for managing that tab. This includes:

• Inviting participants
• Adding or editing expenses
• Assigning how costs are shared
• Updating or correcting information if needed

Organisers should ensure that participants are aware they have been added to a tab and that expense information is reasonably accurate.

Participants should review expenses and balances themselves before making or requesting payments. Tab Ninja does not verify the identity of participants or confirm whether expenses are legitimate. Any disagreements or disputes regarding expenses or balances must be resolved directly between the participants.

6. Calculation of balances

Tab Ninja automatically calculates how expenses may be split between participants based on the information entered by users. These calculations are provided for convenience only.

While we aim to ensure the calculations work correctly, we do not guarantee that balances or totals are accurate, especially if:

• Expenses are entered incorrectly
• Participants or shares are configured incorrectly
• Currencies or conversions are used
• Itemised bills are entered inaccurately

Users are responsible for reviewing and confirming any balances before settling payments with other participants. Tab Ninja is not responsible for financial losses or disputes resulting from incorrect calculations or incorrect data entered by users.

7. Payments between users

Tab Ninja does not handle payments. Any money exchanged between participants happens outside the platform and is the responsibility of the users involved.

Tab Ninja is not responsible for disputes between users regarding payments or expenses.

8. Disputes between participants

Tab Ninja is a tool for recording shared expenses and calculating suggested balances. We are not involved in payments between users and we do not verify the accuracy of expenses recorded in a tab.

Any payments between participants happen outside the platform and are the responsibility of the individuals involved. If a dispute arises about:

• Whether an expense is valid
• How an expense was split
• Whether someone has paid or been repaid

the participants must resolve the issue directly with each other. Tab Ninja is not responsible for mediating or resolving disputes between users and cannot guarantee that participants will repay amounts shown in the service.

9. Free and paid features

Some parts of the service may be free, while others may require payment. If payment is required:

• The price will be clearly displayed before purchase
• Payments are generally non-refundable unless required by law

We may change pricing or introduce new features in the future.

10. Acceptable use

You agree not to use Tab Ninja to:

• Break any laws
• Upload malicious code
• Interfere with the service
• Scrape or copy the service at scale
• Attempt to access accounts that are not yours
• Abuse or harass other users

We may suspend or terminate accounts that violate these rules.

11. Abuse of the service

You must use Tab Ninja responsibly. You agree not to use the service to:

• Add people to tabs in a misleading, abusive, or harassing way
• Send unwanted or spam invitations to email addresses
• Impersonate other people
• Create tabs for fraudulent or deceptive purposes
• Attempt to disrupt or overload the service
• Access accounts or data that do not belong to you

We may investigate suspected abuse and may take action including:

• Removing content
• Restricting access to certain features
• Suspending or terminating accounts

We may also limit invitations, tabs, or other activity if we believe the service is being used in a harmful or abusive way.

12. Availability of the service

We aim to keep Tab Ninja available and reliable. However:

• The service may occasionally be unavailable
• Features may change
• We may update or modify the service at any time

We do not guarantee uninterrupted access.

13. Data and privacy

Your use of the service is also governed by our Privacy Policy, which explains how we collect and use data.

14. Intellectual property

The Tab Ninja service, website, and software are owned by Tab Ninja. You may use the service for personal use, but you may not:

• Copy, reverse engineer, redistribute, or commercially exploit the service without permission

15. Limitation of liability

Tab Ninja is provided "as is". To the maximum extent permitted by law:

• We are not liable for financial losses resulting from the use of the service
• We are not responsible for disputes between users
• We are not responsible for inaccurate expense entries made by users

Nothing in these terms excludes liability where it cannot legally be excluded.

16. Termination

We may suspend or terminate access to the service if:

• These terms are violated
• The service is abused
• We decide to discontinue the service

Users may stop using the service at any time.

17. Changes to these terms

We may update these Terms of Service occasionally. If changes are significant we will update the date at the top of the document. Continued use of the service means you accept the updated terms.

18. Governing law

These terms are governed by the laws of England and Wales. Any disputes will be handled by courts in that jurisdiction.

19. Contact

If you have questions about these terms, contact us at:

seb@tab.ninja