Terms of Service

1. Introduction

These Terms of Service ("Terms") form the agreement between you and Tabsnap B.V., a private limited company (besloten vennootschap) registered in the Netherlands (Berkenweg 11, 3941 JA Doorn, KvK 42128754, VAT NL869853934B01) ("Tabsnap", "we", "us", "our"), about your use of the Tabsnap iOS app and the tabsnap.app website, including the split.tabsnap.app and pay.tabsnap.app pages (together, the "Service").

By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Introduction

These Terms of Service ("Terms") form the agreement between you and Tabsnap B.V., a private limited company (besloten vennootschap) registered in the Netherlands (Berkenweg 11, 3941 JA Doorn, KvK 42128754, VAT NL869853934B01) ("Tabsnap", "we", "us", "our"), about your use of the Tabsnap iOS app and the tabsnap.app website, including the split.tabsnap.app and pay.tabsnap.app pages (together, the "Service").

By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

2. Eligibility

Tabsnap is available worldwide. You must be at least 16 to use Tabsnap, or have the permission of a parent or legal guardian who accepts these Terms for you. Children under 13 may not use Tabsnap.

You must also have the legal capacity in your country of residence to enter into this agreement.

2. Eligibility

Tabsnap is available worldwide. You must be at least 16 to use Tabsnap, or have the permission of a parent or legal guardian who accepts these Terms for you. Children under 13 may not use Tabsnap.

You must also have the legal capacity in your country of residence to enter into this agreement.

3. Accounts

To use the app, you create an account with your phone number and sign in with a one-time code we send to it by SMS. The app offers no other way to sign in, so if you lose control of that number, you can lose access to your account. An email address you add to your profile is not a way to sign in or to recover your account.

You are responsible for:

Keeping control of the phone number and SIM tied to your account.
The accuracy of the information you provide.
Any activity that happens through your account.

You can delete your account at any time in the app, under Settings, Delete Account. Deletion is immediate and cannot be undone. Some data about you can remain, such as the name you used on other people's bills; our Privacy Policy explains which data and for how long.

If you use a join link or payment link as a guest, without an account, these Terms apply to that use too, in particular Section 4 (Acceptable use), Section 7 (Payments) and Section 13 (Disclaimer of warranties and liability).

3. Accounts

To use the app, you create an account with your phone number and sign in with a one-time code we send to it by SMS. The app offers no other way to sign in, so if you lose control of that number, you can lose access to your account. An email address you add to your profile is not a way to sign in or to recover your account.

You are responsible for:

Keeping control of the phone number and SIM tied to your account.
The accuracy of the information you provide.
Any activity that happens through your account.

You can delete your account at any time in the app, under Settings, Delete Account. Deletion is immediate and cannot be undone. Some data about you can remain, such as the name you used on other people's bills; our Privacy Policy explains which data and for how long.

If you use a join link or payment link as a guest, without an account, these Terms apply to that use too, in particular Section 4 (Acceptable use), Section 7 (Payments) and Section 13 (Disclaimer of warranties and liability).

4. Acceptable use

When you use Tabsnap you agree not to:

Use the Service for any unlawful purpose or to upload illegal content.
Upload content that infringes someone else's rights, including receipts that contain other people's personal data you are not entitled to share.
Abuse, harass, or defraud other participants on a bill.
Reverse-engineer, decompile, or attempt to extract source code from the app, or probe the backend services we rely on.
Run automated scrapers, bots, or load tests against the Service without our written permission.
Interfere with the Service, bypass rate limits, or try to circumvent our security controls.
Resell, sublicense, or commercially exploit the Service outside of the intended bill-splitting use case.

We may suspend or terminate accounts that violate these rules, as Section 15 describes.

4. Acceptable use

When you use Tabsnap you agree not to:

Use the Service for any unlawful purpose or to upload illegal content.
Upload content that infringes someone else's rights, including receipts that contain other people's personal data you are not entitled to share.
Abuse, harass, or defraud other participants on a bill.
Reverse-engineer, decompile, or attempt to extract source code from the app, or probe the backend services we rely on.
Run automated scrapers, bots, or load tests against the Service without our written permission.
Interfere with the Service, bypass rate limits, or try to circumvent our security controls.
Resell, sublicense, or commercially exploit the Service outside of the intended bill-splitting use case.

We may suspend or terminate accounts that violate these rules, as Section 15 describes.

5. Content and your data

You keep ownership of the content you put into Tabsnap, such as the receipt photos you upload and the bills and items you create.

To operate the Service, you grant us a worldwide, non-exclusive, royalty-free licence to host, store, transmit, and process your content, strictly for the purposes of:

Running the Service for you and the participants on your bills.
Parsing the receipt photo through Anthropic's Claude model.
Backing up the data.
Providing troubleshooting and support.
Making anonymous statistics from the contents of bills and receipt photos, as Section 13 of our Privacy Policy describes.

Those statistics are made from bills created after our Privacy Policy first described them, without names or contact details. If your account already existed at that moment, your bills count only if you say yes in the app, and only then can your bills from before that moment count too. We can share the statistics with, or sell them to, other companies, and show or publish them. They are combined figures that never contain your content itself or anything that identifies you, and you can object at any time.

This licence ends when you delete the content or the account, subject to the retention periods in our Privacy Policy. We do not train AI models on your content, and we share it with third parties only to run the Service or where the law requires it.

5. Content and your data

You keep ownership of the content you put into Tabsnap, such as the receipt photos you upload and the bills and items you create.

To operate the Service, you grant us a worldwide, non-exclusive, royalty-free licence to host, store, transmit, and process your content, strictly for the purposes of:

Running the Service for you and the participants on your bills.
Parsing the receipt photo through Anthropic's Claude model.
Backing up the data.
Providing troubleshooting and support.
Making anonymous statistics from the contents of bills and receipt photos, as Section 13 of our Privacy Policy describes.

Those statistics are made from bills created after our Privacy Policy first described them, without names or contact details. If your account already existed at that moment, your bills count only if you say yes in the app, and only then can your bills from before that moment count too. We can share the statistics with, or sell them to, other companies, and show or publish them. They are combined figures that never contain your content itself or anything that identifies you, and you can object at any time.

This licence ends when you delete the content or the account, subject to the retention periods in our Privacy Policy. We do not train AI models on your content, and we share it with third parties only to run the Service or where the law requires it.

6. Receipt scanning disclaimer

Tabsnap turns the photo of your receipt into items, prices and totals by sending it to Anthropic's Claude model. Automated reading can make mistakes.

You are responsible for verifying the result against the printed receipt before you share the bill or ask anyone to pay. The app shows every item so you can correct it. We are not liable for amounts that you, the host, choose to settle based on an unverified result.

Besides the free monthly scan limit in Section 9, hourly and daily limits against abuse apply to everyone.

When the app converts a receipt in a foreign currency, it uses a recent European Central Bank reference rate. Converted amounts are indicative and can differ from your bank's rate. Tabsnap is not a currency-exchange or financial-information service.

6. Receipt scanning disclaimer

Tabsnap turns the photo of your receipt into items, prices and totals by sending it to Anthropic's Claude model. Automated reading can make mistakes.

You are responsible for verifying the result against the printed receipt before you share the bill or ask anyone to pay. The app shows every item so you can correct it. We are not liable for amounts that you, the host, choose to settle based on an unverified result.

Besides the free monthly scan limit in Section 9, hourly and daily limits against abuse apply to everyone.

When the app converts a receipt in a foreign currency, it uses a recent European Central Bank reference rate. Converted amounts are indicative and can differ from your bank's rate. Tabsnap is not a currency-exchange or financial-information service.

7. Payments and bill-splitting disclaimer

This section is important. Read it carefully.

Tabsnap does not process payments and never holds your funds. Unless Section 8 applies, payments between you and the people on your bill happen outside Tabsnap, for example through the payment link the host adds. Tabsnap does not process credit or debit cards.

Payment links are provided by the host, not by Tabsnap, and we do not endorse or guarantee them. We automatically hold back links that hide where they lead, such as shortened links, so payers do not see them. Always confirm you are paying the right person and the right amount before you send money. Tabsnap is not liable for payments sent to an incorrect or fraudulent link.

Tabsnap organises payment requests around the host's link. When items on a bill remain unclaimed and the host later assigns them to a participant, the Service generates an additional payment request for exactly those items, payable through the same host-provided payment link. Such an additional request is bookkeeping on the existing bill, not a new payment service.

Join links and payment links created by the Service can expire after 14 days, and the host can reactivate them from the app. Link expiry only affects access to the Tabsnap page; it does not change who owes what on the bill.

Payment-status markers in Tabsnap (paid, unpaid) are indicative records, not proof of payment. A share can be marked as paid automatically shortly after its payment link is opened. The authoritative record of whether money actually moved is your bank or payment provider, never Tabsnap.

Tabsnap is not a payment institution and is not licensed under PSD2. Tabsnap is not a money remitter, money holder, or account information service provider. We only record payment intent and payment-status markers.

Any dispute about whether a payment was actually made, how much was owed, or whether a split was fair, is a matter between the participants. Tabsnap is not a party to that dispute and does not guarantee, mediate, or underwrite any payment.

7. Payments and bill-splitting disclaimer

This section is important. Read it carefully.

Tabsnap does not process payments and never holds your funds. Unless Section 8 applies, payments between you and the people on your bill happen outside Tabsnap, for example through the payment link the host adds. Tabsnap does not process credit or debit cards.

Payment links are provided by the host, not by Tabsnap, and we do not endorse or guarantee them. We automatically hold back links that hide where they lead, such as shortened links, so payers do not see them. Always confirm you are paying the right person and the right amount before you send money. Tabsnap is not liable for payments sent to an incorrect or fraudulent link.

Tabsnap organises payment requests around the host's link. When items on a bill remain unclaimed and the host later assigns them to a participant, the Service generates an additional payment request for exactly those items, payable through the same host-provided payment link. Such an additional request is bookkeeping on the existing bill, not a new payment service.

Join links and payment links created by the Service can expire after 14 days, and the host can reactivate them from the app. Link expiry only affects access to the Tabsnap page; it does not change who owes what on the bill.

Payment-status markers in Tabsnap (paid, unpaid) are indicative records, not proof of payment. A share can be marked as paid automatically shortly after its payment link is opened. The authoritative record of whether money actually moved is your bank or payment provider, never Tabsnap.

Tabsnap is not a payment institution and is not licensed under PSD2. Tabsnap is not a money remitter, money holder, or account information service provider. We only record payment intent and payment-status markers.

Any dispute about whether a payment was actually made, how much was owed, or whether a split was fair, is a matter between the participants. Tabsnap is not a party to that dispute and does not guarantee, mediate, or underwrite any payment.

8. Direct payments and service fee (only where offered)

This section applies only if and where direct payment through Tabsnap is offered in the app. Direct payment is a feature under which a participant can pay their share through a payment flow presented by Tabsnap together with a licensed payment service provider, instead of through the host's own payment link.

Where direct payment is offered:

The payment itself is executed by a licensed payment service provider under its own terms, which are shown to you before you pay. Tabsnap itself still does not hold funds and is still not a payment institution.
A service fee per direct payment can apply. Any fee for the person paying is shown with their share before they pay.
Paying through the host's own payment link has no Tabsnap fee.

If direct payment is not visible in your app, it is not offered to you and this section does not apply.

8. Direct payments and service fee (only where offered)

This section applies only if and where direct payment through Tabsnap is offered in the app. Direct payment is a feature under which a participant can pay their share through a payment flow presented by Tabsnap together with a licensed payment service provider, instead of through the host's own payment link.

Where direct payment is offered:

The payment itself is executed by a licensed payment service provider under its own terms, which are shown to you before you pay. Tabsnap itself still does not hold funds and is still not a payment institution.
A service fee per direct payment can apply. Any fee for the person paying is shown with their share before they pay.
Paying through the host's own payment link has no Tabsnap fee.

If direct payment is not visible in your app, it is not offered to you and this section does not apply.

9. Paid services

Tabsnap has a free tier and a paid subscription called Tabsnap Pro.

The free tier includes unlimited manual bill entry and 5 successful receipt scans per calendar month. Tabsnap Pro removes that monthly scan limit and unlocks the additional features shown in the app; the list shown in the app at the moment of purchase is the authoritative list. The prices, the options and any free trial are shown in the app before you confirm a purchase.

Purchase and billing run through Apple's In-App Purchase, under Apple's standard terms. A free trial converts to a paid subscription automatically when it ends, and a paid subscription auto-renews for the same period, unless you cancel at least 24 hours before the trial or the current period ends. You manage or cancel your subscription, and turn off auto-renew, in your Apple account settings. Deleting the app or your Tabsnap account does not cancel your subscription.

As a consumer in the EU you have a 14-day right of withdrawal after you first subscribe. Apple sells the subscription, so you use this right, and ask for any refund, through Apple, as Apple's terms describe.

9. Paid services

Tabsnap has a free tier and a paid subscription called Tabsnap Pro.

The free tier includes unlimited manual bill entry and 5 successful receipt scans per calendar month. Tabsnap Pro removes that monthly scan limit and unlocks the additional features shown in the app; the list shown in the app at the moment of purchase is the authoritative list. The prices, the options and any free trial are shown in the app before you confirm a purchase.

Purchase and billing run through Apple's In-App Purchase, under Apple's standard terms. A free trial converts to a paid subscription automatically when it ends, and a paid subscription auto-renews for the same period, unless you cancel at least 24 hours before the trial or the current period ends. You manage or cancel your subscription, and turn off auto-renew, in your Apple account settings. Deleting the app or your Tabsnap account does not cancel your subscription.

As a consumer in the EU you have a 14-day right of withdrawal after you first subscribe. Apple sells the subscription, so you use this right, and ask for any refund, through Apple, as Apple's terms describe.

10. Beta and test builds

Versions of Tabsnap distributed through TestFlight or other pre-release channels are beta software. Beta builds may contain features that never ship, and data created in a beta build may be reset or deleted when we move between beta versions or from beta to the public release. One such reset was performed when build 20 was released: all bills created in earlier beta builds were deleted. We announce resets to the tester group where feasible, but data persistence in beta builds is not guaranteed and beta data loss is not a defect of the Service.

10. Beta and test builds

Versions of Tabsnap distributed through TestFlight or other pre-release channels are beta software. Beta builds may contain features that never ship, and data created in a beta build may be reset or deleted when we move between beta versions or from beta to the public release. One such reset was performed when build 20 was released: all bills created in earlier beta builds were deleted. We announce resets to the tester group where feasible, but data persistence in beta builds is not guaranteed and beta data loss is not a defect of the Service.

11. Intellectual property

The Tabsnap app, brand, logo, website, and underlying code are the intellectual property of Tabsnap B.V., protected by copyright, trademark, and other laws. These Terms do not grant you any rights in our intellectual property beyond the licence to use the Service as intended.

Your content remains yours. Section 5 describes the limited licence you grant us to operate the Service.

11. Intellectual property

The Tabsnap app, brand, logo, website, and underlying code are the intellectual property of Tabsnap B.V., protected by copyright, trademark, and other laws. These Terms do not grant you any rights in our intellectual property beyond the licence to use the Service as intended.

Your content remains yours. Section 5 describes the limited licence you grant us to operate the Service.

12. Third-party services

Tabsnap relies on other companies for parts of the Service, such as hosting, SMS, receipt reading, crash reporting and app distribution. Our Privacy Policy (Section 6) lists them. Apple's own terms apply to your downloads and purchases through the App Store. If one of these services fails, we work in good faith to restore the Service.

12. Third-party services

Tabsnap relies on other companies for parts of the Service, such as hosting, SMS, receipt reading, crash reporting and app distribution. Our Privacy Policy (Section 6) lists them. Apple's own terms apply to your downloads and purchases through the App Store. If one of these services fails, we work in good faith to restore the Service.

13. Disclaimer of warranties and liability

We work to keep the Service available and working well, but we cannot promise that it will always be available or free of errors.

To the maximum extent allowed by law:

Our total liability for any claim arising from or related to the Service is capped at the fees you paid for Tabsnap in the 12 months before the event giving rise to the claim, with a minimum of EUR 50, or EUR 100 if you have Tabsnap Pro.
We are not liable for indirect damage, such as lost profits, or for missed payments between participants.

Nothing in these Terms limits our liability for death or personal injury, fraud, intentional misconduct or gross negligence, or for anything else that cannot be limited under the law that applies to you.

13. Disclaimer of warranties and liability

We work to keep the Service available and working well, but we cannot promise that it will always be available or free of errors.

To the maximum extent allowed by law:

Our total liability for any claim arising from or related to the Service is capped at the fees you paid for Tabsnap in the 12 months before the event giving rise to the claim, with a minimum of EUR 50, or EUR 100 if you have Tabsnap Pro.
We are not liable for indirect damage, such as lost profits, or for missed payments between participants.

Nothing in these Terms limits our liability for death or personal injury, fraud, intentional misconduct or gross negligence, or for anything else that cannot be limited under the law that applies to you.

14. Consumer rights carve-out

If you are a consumer in the EU or the Netherlands, nothing in these Terms affects your non-waivable statutory rights, including:

Statutory warranty for digital content and services: we owe you a Service that conforms to the contract. If it does not, you can ask us to bring it into conformity and, in some cases, get a price reduction or end the contract, on the conditions and within the time limits set by law.
Right of withdrawal: under EU Directive 2011/83/EU (implemented in Dutch law in Boek 6, Titel 5, Afdeling 2B BW), consumers have a 14-day right of withdrawal for digital services. For the free version you use it by deleting your account, which you can do at any time. For Tabsnap Pro, see the Paid services section.
Unfair terms protection: under the EU Unfair Contract Terms Directive (93/13/EEC) and the related provisions of Dutch law (Burgerlijk Wetboek 6:231-6:247 BW), any clause that is unfair to consumers is not binding on you.
Mandatory consumer rules in your country of habitual residence: where you are a consumer in another EU member state, the mandatory consumer-protection rules of your country apply on top of these Terms (Article 6 Rome I Regulation).

Where a clause in these Terms conflicts with those rights, the statutory rights prevail.

14. Consumer rights carve-out

If you are a consumer in the EU or the Netherlands, nothing in these Terms affects your non-waivable statutory rights, including:

Statutory warranty for digital content and services: we owe you a Service that conforms to the contract. If it does not, you can ask us to bring it into conformity and, in some cases, get a price reduction or end the contract, on the conditions and within the time limits set by law.
Right of withdrawal: under EU Directive 2011/83/EU (implemented in Dutch law in Boek 6, Titel 5, Afdeling 2B BW), consumers have a 14-day right of withdrawal for digital services. For the free version you use it by deleting your account, which you can do at any time. For Tabsnap Pro, see the Paid services section.
Unfair terms protection: under the EU Unfair Contract Terms Directive (93/13/EEC) and the related provisions of Dutch law (Burgerlijk Wetboek 6:231-6:247 BW), any clause that is unfair to consumers is not binding on you.
Mandatory consumer rules in your country of habitual residence: where you are a consumer in another EU member state, the mandatory consumer-protection rules of your country apply on top of these Terms (Article 6 Rome I Regulation).

Where a clause in these Terms conflicts with those rights, the statutory rights prevail.

15. Termination

You can stop using the Service and delete your account at any time (see Section 3).

We can suspend or terminate your account if you materially breach these Terms, if required by law, or if your continued use poses a genuine risk to the Service or other users. Where reasonable and feasible we give you notice and a chance to fix the issue first, and we tell you why.

Suspected fraud or abuse is the exception to that advance notice. In those cases we can restrict specific features immediately, such as creating new bills, collecting payments through Tabsnap links and changing your payment link. You can still open your existing bills and delete your account. A person decides on every such restriction. At the latest when it starts, we tell you which features we restricted and which rule of these Terms it is based on, without details that would help someone get around our checks. If you believe a restriction is wrong, write to contact@tabsnap.app and a person will look at it again.

If we terminate your account, Section 5 (content licence, as relevant to existing backups), Section 11 (intellectual property), Section 13 (liability), Section 14 (consumer carve-out), and Section 16 (dispute resolution and governing law) survive.

15. Termination

You can stop using the Service and delete your account at any time (see Section 3).

We can suspend or terminate your account if you materially breach these Terms, if required by law, or if your continued use poses a genuine risk to the Service or other users. Where reasonable and feasible we give you notice and a chance to fix the issue first, and we tell you why.

Suspected fraud or abuse is the exception to that advance notice. In those cases we can restrict specific features immediately, such as creating new bills, collecting payments through Tabsnap links and changing your payment link. You can still open your existing bills and delete your account. A person decides on every such restriction. At the latest when it starts, we tell you which features we restricted and which rule of these Terms it is based on, without details that would help someone get around our checks. If you believe a restriction is wrong, write to contact@tabsnap.app and a person will look at it again.

If we terminate your account, Section 5 (content licence, as relevant to existing backups), Section 11 (intellectual property), Section 13 (liability), Section 14 (consumer carve-out), and Section 16 (dispute resolution and governing law) survive.

16. Dispute resolution and governing law

These Terms, and any dispute arising from the Service, are governed by Dutch law, without prejudice to the mandatory consumer protection rules of your country of residence.

Disputes that cannot be resolved by contacting us first go to the court that is competent under the law.

We are not obliged to participate in alternative dispute resolution, but we may choose to.

16. Dispute resolution and governing law

These Terms, and any dispute arising from the Service, are governed by Dutch law, without prejudice to the mandatory consumer protection rules of your country of residence.

Disputes that cannot be resolved by contacting us first go to the court that is competent under the law.

We are not obliged to participate in alternative dispute resolution, but we may choose to.

17. Changes to these Terms

We may change these Terms, but only for a valid reason: a change in the law or in a ruling that applies to us, a change in the Service or in a provider we depend on, a new feature or the end of an existing one, a change in our prices or in what a plan includes, or a security or abuse problem.

We tell you about a material change at least 30 days before it takes effect, in the app or by email. If you keep using the Service after it takes effect, you accept the new Terms. If you do not agree, you can stop using the Service, delete your account and, if you have Tabsnap Pro, cancel it before the change takes effect.

For non-material changes (fixing typos, clarifying language, correcting a description of something we already do), we may update these Terms without prior notice.

17. Changes to these Terms

We may change these Terms, but only for a valid reason: a change in the law or in a ruling that applies to us, a change in the Service or in a provider we depend on, a new feature or the end of an existing one, a change in our prices or in what a plan includes, or a security or abuse problem.

We tell you about a material change at least 30 days before it takes effect, in the app or by email. If you keep using the Service after it takes effect, you accept the new Terms. If you do not agree, you can stop using the Service, delete your account and, if you have Tabsnap Pro, cancel it before the change takes effect.

For non-material changes (fixing typos, clarifying language, correcting a description of something we already do), we may update these Terms without prior notice.

18. Contact

For questions about these Terms, contact us.

Email: contact@tabsnap.app
Tabsnap B.V., Berkenweg 11, 3941 JA Doorn, the Netherlands, KvK 42128754

Our email address, contact@tabsnap.app, is also our single point of contact under the EU Digital Services Act, for users and for authorities, in English or Dutch. To report content in Tabsnap that you believe is illegal, email us what it is, where it is (such as the link or the bill) and why you believe it is illegal, with your name and a statement that you believe your report is accurate and complete. A person reviews every report; we remove or block content we find illegal and tell you what we decided.

18. Contact

For questions about these Terms, contact us.

Email: contact@tabsnap.app
Tabsnap B.V., Berkenweg 11, 3941 JA Doorn, the Netherlands, KvK 42128754

Our email address, contact@tabsnap.app, is also our single point of contact under the EU Digital Services Act, for users and for authorities, in English or Dutch. To report content in Tabsnap that you believe is illegal, email us what it is, where it is (such as the link or the bill) and why you believe it is illegal, with your name and a statement that you believe your report is accurate and complete. A person reviews every report; we remove or block content we find illegal and tell you what we decided.