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Terms of Service

Last updated: January 2025

1. Agreement to Terms

By accessing or using OurTab ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

2. Description of Service

OurTab is a mobile application that allows users to track shared expenses, split bills, and manage group finances. The Service is provided "as is" and "as available" without any warranties.

3. User Accounts

3.1 Account Creation

To use certain features of the Service, you must create an account. You agree to:

  • Provide accurate, current, and complete information
  • Maintain and update your information
  • Keep your password secure and confidential
  • Accept responsibility for all activities under your account
  • Notify us immediately of any unauthorized use

3.2 Account Termination

We reserve the right to suspend or terminate your account if you violate these Terms or engage in any conduct we deem inappropriate.

4. Acceptable Use

You agree not to:

  • Use the Service for any illegal purposes
  • Impersonate any person or entity
  • Interfere with or disrupt the Service
  • Attempt to gain unauthorized access to any part of the Service
  • Upload viruses or malicious code
  • Collect or harvest user information without permission
  • Use the Service to send spam or unsolicited messages
  • Violate any applicable laws or regulations

5. Financial Terms

5.1 No Financial Services

OurTab is not a financial institution and does not provide banking, lending, or money transmission services. We merely facilitate record-keeping and communication between users.

5.2 User Responsibility

You are solely responsible for:

  • The accuracy of expense information you enter
  • Settling debts with other users
  • Complying with tax obligations related to your transactions
  • Resolving disputes with other users

6. Intellectual Property

The Service and its original content, features, and functionality are owned by OurTab and are protected by international copyright, trademark, and other intellectual property laws.

7. User Content

7.1 Your Content

You retain ownership of any content you submit to the Service. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and display your content in connection with the Service.

7.2 Content Standards

You agree that your content will not:

  • Violate any laws or regulations
  • Infringe on any third-party rights
  • Contain false or misleading information
  • Be offensive, threatening, or harassing

8. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Third-Party Services

The Service may contain links to or integrate with third-party services. We are not responsible for the content or practices of these third parties.

10. Disclaimers

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OURTAB SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY.

12. Indemnification

You agree to indemnify and hold harmless OurTab and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of the Service or violation of these Terms.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last updated" date.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

15. Dispute Resolution

Any disputes arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

16. Contact Information

For questions about these Terms, please contact us at:

  • Email: legal@ourtab.app
  • Support page: ourtab.app/support