Last Updated: February 18, 2025

Welcome to Tabby! Tabby is a DBA (Doing Business As) of Spensibly, Inc. These Terms of Use (“Terms”) govern your access to and use of Tabby’s website, mobile app, and services (collectively, the “Service”). By using our Service, you agree to comply with these Terms.

1. Acceptance of Terms

By accessing or using Tabby, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Service.

2. Services Provided

Tabby provides AI-powered bookkeeping, expense tracking, invoicing, and financial management tools for small businesses and independent professionals. We may update or modify our services at any time to improve user experience.

3. User Accounts & Responsibilities

  • To use certain features, you must create an account.
  • You are responsible for maintaining the confidentiality of your account credentials.
  • You agree not to share your login details or allow unauthorized access to your account.
  • You must provide accurate and complete information during registration and keep it updated.

4. Subscription & Payments

  • Tabby offers paid subscription plans. Details of pricing, billing, and plan features are available on our website.
  • Payments are processed securely through third-party payment providers.
  • Subscriptions auto-renew unless canceled before the next billing cycle.
  • No refunds are provided for unused subscription periods unless required by law.

5. Data & Privacy

  • We collect and store data to provide our services in accordance with our Privacy Policy.
  • Users retain ownership of their financial data, but grant Tabby permission to process it to deliver AI-driven insights.
  • We implement industry-standard security measures to protect your data.

6. Prohibited Activities

By using Tabby, you agree not to:

  • Use the service for fraudulent, illegal, or unauthorized purposes.
  • Attempt to access, modify, or interfere with Tabby’s systems or security.
  • Misuse AI-generated insights for unlawful financial decisions.
  • Share or distribute harmful software, spam, or unauthorized financial data.

7. Third-Party Integrations

Tabby integrates with financial institutions, payment providers, and third-party services (e.g., Plaid, Stripe). We are not responsible for third-party services and disclaim any liability arising from their use.

8. Limitation of Liability

  • Tabby provides financial management tools but does not offer legal, tax, or accounting advice.
  • We are not responsible for financial decisions made based on AI insights.
  • In no event shall Tabby (or Spensibly, Inc.) be liable for any indirect, incidental, or consequential damages.

9. Termination

  • We reserve the right to suspend or terminate your account if you violate these Terms.
  • Users may cancel their subscription at any time, but no refunds will be issued.

10. Changes to Terms

  • Tabby may update these Terms periodically.
  • We will notify users of significant changes via email or in-app notifications.
  • Continued use of the Service after changes constitutes acceptance of the revised Terms.

11. Governing Law

These Terms are governed by the laws of the State of Delaware, USA. Any disputes shall be resolved in the appropriate courts of Delaware.

12. Contact Information

If you have any questions regarding these Terms, please contact us at:

Spensibly, Inc. DBA Tabby
Westchester Avenue, New York, USA
support@usetabby.com