Terms of Service

Last updated 14 November 2026

These Terms are an agreement between you and Wai Chong Lee, Singapore, who operates Tabsie ("Tabsie", "we", "us"). They cover the Tabsie iPhone app and the website at tabsie.app (together, the "Service"). By creating an account or using the Service you agree to these Terms and to our Privacy Policy. If you don't agree, please don't use Tabsie.

1. Who can use Tabsie

You must be at least 13 years old. If you're under 18, you need a parent or guardian's permission to use Tabsie, and they agree to these Terms on your behalf. You must be able to enter into a binding agreement, or have that permission. One account per person. You may not use Tabsie if we have previously closed your account for breaking these Terms.

2. Your account

You sign in with Apple, Google, Facebook or Microsoft. Keep your device and your sign-in secure; you're responsible for everything done through your account. Tell us at support@tabsie.app if you think someone else has used it. Give accurate details. The name you choose is shown to people in your groups, so don't pretend to be someone else.

3. What Tabsie is, and is not

Tabsie is a record-keeping tool. It lets a group record shared bills, works out who owes whom, and shows a PayNow QR code so you can pay a friend from your own bank app.

Tabsie is not a bank, e-wallet, payment service, remittance provider or lender. We never hold, receive, collect, transfer or move money. We never have access to your bank account or cards. We are not licensed or regulated as a payment service provider, and nothing in the Service is a payment instruction, a payment guarantee, or financial advice.

Every payment is made by you, in your own bank or payment app, to the person you choose. Whether a payment is made, arrives or is correct is a matter between you, the other person and your banks.

4. Records between members

Entries in Tabsie (bills, shares, balances, recorded payments, confirmations and disputes) are informal records that members keep for their own convenience. They are not:

proof that a debt exists or that a payment was made;
a contract between members, or between any member and Tabsie;
a promise or guarantee that anyone will pay.

Tabsie is not a party to any arrangement between members. We don't verify entries, we don't investigate or mediate disagreements, and we don't enforce or collect anything. A "didn't arrive" or "less arrived" flag records the receiver's view and nothing more. Members sort out disagreements between themselves.

5. How records work

A payment counts in the group from the moment the payer records it. The receiver can confirm it, say it didn't arrive, or say that less arrived, at any time until they confirm. If a payment is disputed, that payment's amount comes back off the record and the shortfall stays with the payer. It's never moved to anyone else.
Inside a group Tabsie may simplify debts, so you may be asked to pay someone other than the person who paid a bill. Each person's total stays the same. Anything above what the payer owed needs the receiver's confirmation.
Each person can accept or reject their share of a bill. A group can set a response deadline.
An overpayment never makes anyone owe money unless the receiver accepts it in a separate step.

You're responsible for the accuracy of every bill, amount, share and payment you record.

6. Paying with PayNow QR

The QR code is built from the PayNow number the receiver entered. Before you pay, check the payee name and the amount your bank app shows. Once a PayNow payment is sent, Tabsie can't stop, reverse or refund it.
If you add a PayNow number, you confirm that it's yours, that you're allowed to receive payments on it, and that it's correct. Keep it up to date. People who owe you will see it inside the QR, with your name and the amount.
A payment to the wrong number, a wrong amount, a duplicate, or a failed or delayed transfer is a matter between you, the other person and your banks. We're not responsible for it.
PayNow and SGQR are run by banks and their operators, not by us. We're not responsible if they're unavailable, slow or behave unexpectedly.
Tabsie doesn't check that the person paying or being paid is who they say they are.

7. AI and automated features

Receipt reading, describing a bill, voice entry and split suggestions use automated tools, including an AI service provider. They can misread amounts, items, dates and names, or get a split wrong. Treat their output as a draft, not an answer. You must check everything they fill in before you save and before anyone pays. We're not responsible for loss caused by an AI result you didn't check.

When you use these features, the photo, text or audio is sent to our provider as described in the Privacy Policy. Daily usage limits apply. We may change, limit or turn these features off at any time.

8. Your content

You own what you add to Tabsie: bills, notes, photos, receipts and group names. You give us a worldwide, non-exclusive, royalty-free licence to host, store, copy, process, display and transmit it, only as needed to run and improve the Service, show it to the people you share it with, and keep the Service secure. That licence ends when the content is deleted, except for copies that remain in shared group records (shown without your name), in backups until they roll off, and where we must keep them by law.

You're responsible for your content. You confirm you have the right to add it, including where it contains other people's details: names on a receipt, people you add to a group, or balances you import. Don't add other people's personal data unless you're allowed to.

9. Acceptable use

Don't:

break any law or anyone's rights;
harass, threaten, defame or deceive other users;
record bills or payments you know are false, or use Tabsie for fraud, money laundering, illegal lending or any other unlawful purpose;
enter a PayNow number that isn't yours or that you aren't allowed to use;
impersonate anyone, or use another person's account;
upload malicious code, or content that is unlawful, sexual, hateful or otherwise abusive;
scrape, crawl, bulk-download or index the Service or other users' data; use bots or automated access; or probe, overload or interfere with our systems or limits;
request verification codes or AI processing in bulk, or for anything other than your own use;
copy, modify, reverse-engineer, decompile, disassemble or try to extract the source code, models, prompts or workings of the Service, except where the law allows this despite the clause;
resell, sublicense or bundle the Service into another product.

We may remove content or members, and suspend or close accounts, where we reasonably believe these rules have been broken.

10. Phone verification and messages

Verification codes are sent by SMS or WhatsApp through a messaging provider and are only for verifying your number. Standard carrier charges may apply. Don't share codes with anyone. We may limit how many you can request.

11. Our intellectual property

Tabsie, its name, logo, the Tabby character, its design, software and content (other than your content) belong to us or our licensors. We give you a personal, limited, non-exclusive, non-transferable, revocable licence to use the app on an Apple device you own or control, for your own non-commercial use, in line with these Terms and Apple's App Store rules. All other rights are reserved. If you send us feedback or suggestions, we may use them without any obligation to you.

12. Availability and changes to the Service

Tabsie is new and will change. We may add, change, limit or remove features, or stop the Service, at any time. We don't promise it will always be available or free of errors. If we shut Tabsie down, we'll try to give you at least 30 days' notice in the app or by email so you can get your records out. We may set usage limits. We're not responsible for things outside our control, including your device, your network, Apple, your bank, PayNow, our third-party providers, or events beyond our reasonable control.

13. Suspension and termination

You can stop using Tabsie at any time and delete your account in the app (Profile → Delete my account). The Privacy Policy says what is erased and what stays in shared group records.

We may suspend or close your account, with or without notice, if we reasonably believe you've broken these Terms, if your use creates risk or legal exposure for us or other users, if the law requires it, or if we stop the Service. Where it's fair to do so, we'll tell you why and give you a chance to put it right.

Sections 4, 6, 8 (for shared records), 11 and 14 to 20 survive termination.

14. Disclaimers

To the fullest extent the law allows, Tabsie is provided "as is" and "as available", without warranties of any kind, express or implied, including any warranty of merchantability, fitness for a particular purpose, accuracy or non-infringement, or that it will be uninterrupted, secure or error-free. We don't warrant the accuracy of any balance, calculation, exchange rate or AI output, or of any entry made by a user. Nothing in Tabsie is financial, tax or legal advice.

15. Limitation of liability

To the fullest extent the law allows:

We aren't liable for any indirect, incidental, special, consequential or punitive loss, or for loss of money, profits, data, goodwill or opportunity, however caused, even if we were told it might happen.
We aren't liable for any payment made or not made between users, for any entry made by a user, for any act or omission of a bank, PayNow, SGQR, Apple or any third-party provider, or for your reliance on an AI result.
Our total liability to you for all claims arising from or relating to the Service, in contract, tort (including negligence) or otherwise, is capped at the greater of (a) the fees you paid us in the 12 months before the claim arose and (b) SGD 50. Tabsie is currently free, so (b) will usually apply.

Nothing in these Terms excludes or limits liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that can't be excluded or limited under Singapore law, including the Unfair Contract Terms Act 1977. If you're a consumer, you may have rights under the Consumer Protection (Fair Trading) Act 2003 that these Terms don't take away.

16. Indemnity

If a third party brings a claim against us because of your content, your use of Tabsie, your breach of these Terms, or your breach of the law or of someone else's rights, you'll compensate us for the losses, costs and reasonable legal fees that result, to the extent the law allows. We'll tell you about the claim promptly and let you take part in the defence.

17. Changes to these Terms

We may change these Terms. For small changes we'll post the new version here with a new date. For changes that matter to you, such as new fees, new limits on our liability or a change to your rights, we'll tell you in the app or by email at least 14 days before they take effect, unless the law or an urgent security or legal reason requires sooner. If you keep using Tabsie after a change takes effect, you accept it. If you don't accept it, stop using Tabsie and delete your account.

18. Governing law and disputes

Singapore law governs these Terms and any dispute about them or the Service. The courts of Singapore have exclusive jurisdiction. If you're a consumer living outside Singapore, you may also have protections under your local law that this clause doesn't override. Before going to court, email support@tabsie.app and we'll try to resolve the matter with you within 30 days.

19. Apple App Store terms

Because you download Tabsie from Apple's App Store, these terms also apply:

These Terms are between you and us, not Apple. Apple is not responsible for Tabsie or its content.
Your licence to use Tabsie is limited to a non-transferable licence to use it on Apple-branded devices that you own or control, as permitted by the Usage Rules in Apple's App Store terms, except that it may be accessed by other accounts associated with you through Family Sharing or volume purchasing.
We, not Apple, are responsible for maintenance and support. Apple has no obligation to provide any.
To the extent any warranty applies and Tabsie fails to meet it, you may tell Apple and Apple will refund any purchase price you paid for the app. Apple has no other warranty obligation. Any other claim, loss, liability, damage, cost or expense from a failure to meet a warranty is our responsibility, to the extent these Terms allow.
We, not Apple, are responsible for addressing any claim by you or a third party relating to the app, including product liability claims, claims that the app fails to meet a legal or regulatory requirement, and claims under consumer protection, privacy or similar law.
If a third party claims the app infringes their intellectual property, we, not Apple, are responsible for investigating, defending, settling and discharging the claim, to the extent these Terms require.
You confirm that you aren't located in a country subject to a US government embargo or designated by the US government as "terrorist supporting", and that you aren't on any US government list of prohibited or restricted parties.
You must comply with any third-party terms that apply when you use the app, such as your mobile data agreement.
Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

Our contact details for questions or complaints about the app are in section 21.

20. General

These Terms and the Privacy Policy are the whole agreement between you and us about the Service.
If any part of these Terms is found unenforceable, the rest still applies.
If we don't enforce a term straight away, we can still enforce it later.
We may transfer our rights and obligations under these Terms to a successor, for example a company set up to run Tabsie. You may not transfer yours.
Nothing in these Terms creates a partnership, agency or employment relationship.
Notices to us go to support@tabsie.app. Notices to you go to the email on your account or appear in the app.
Headings are for convenience only.

21. Contact

Help and notices: support@tabsie.app
Privacy and data requests: privacy@tabsie.app
Tabsie, Wai Chong Lee, Singapore