Terms of Service

These are the rules for using TableCash: you must be 18 or older and a U.S. resident, contributions go through Stripe directly to the table organizer, only the organizer can approve money leaving a table, and TableCash does not hold the money: it sits in the Stripe account of the organizer.

Welcome to TableCash. TableCash is operated by TableCash LLC. By using our mobile application, you agree to these Terms of Service ("Terms"). Please read them carefully as they contain important information about your legal rights.

What Changed (October 2026)

The newest changes come first.

• House payment plans split your share into dated payments you agree to, paid automatically or by you. (Section 5.9.6)
• When we freeze an account, money on its tables goes back to the cards it came from, minus what each person already received off-platform. The TableCash fee is not refunded. (Section 8B.2)
• New York: Table Creators can't live in New York, but members who live there can chip in. (Section 3.1)
• Tables no longer go dormant. A quiet table stays open: nothing pauses it or stops chip-ins because nobody used it for a while. The old 150-day rule is gone. (Sections 2.1 and 5.5)
• Rooms has its own rules: who can post or ask, what a room can say, no money before you move in, and what happens when something is reported. (Section 6A)
• If someone disputes a chip-in with their bank, the Table Creator pays for it, even when they did nothing wrong. What they received for it is taken back. Stripe's dispute fee (usually $15) and the TableCash fee on that chip-in are recorded as due, and so is Stripe's $15 answering fee if we answered the dispute and lost. Cash outs wait until an amount due is paid. If a dispute is won, everything comes back except Stripe's dispute fee. (Section 8A.1)
• Stripe can take a disputed amount from the Table Creator's bank account when their Stripe balance can't cover it, so a bank account is needed before any cash out. (Sections 5.3 and 8A.1)
• We may answer a dispute with the contributor's own records, and we tell the Table Creator first. (Section 8A.3)
• Before every automatic charge (autopay, or a promise when its goal is reached), we email you the amount, the day, and the card or bank, and we charge no sooner than the next day. (Sections 5.9.3 and 5.11.3)
• Instant cash outs are not offered today. Standard cash outs work as before. (Section 5.3)
• Card statements show a TableCash charge as TABLECASH* followed by the table name. (Sections 5.9.3 and 5.11.2)
• Paying from a bank account, when the app offers it, has no TableCash fee. (Sections 5.1 and 5.4)
• Usernames have rules, and partner links may earn TableCash a commission. (Sections 4.3 and 10)

Earlier in October 2026:

• The TableCash fee is 3.5% + $1.49 per card payment, taken from what the Table Creator receives. You pay the amount you choose. You can add the fee on top so the table gets your full amount. It used to be 3% + $0.79, added on top. (Section 5.4)
• There is no promise fee. A promise pays the same TableCash fee as a chip-in, 3.5% + $1.49, taken only if your card is charged when the goal is reached. Promising and taking it back are free. (Sections 5.4 and 5.11.2)
• Standard cash outs are free for $50 or more and $0.99 under $50. (Section 5.4)
• The smallest chip-in is $5.00. (Section 5.1)
• Money sent outside the app: the member confirms they got it. If they don't answer in 9 days, it counts as received. (Section 5.2)
• Promises: the Table Creator can end a goal before it's reached, and nobody who promised is charged. (Section 5.11)
• AI features are free and TableCash Plus is no longer sold; existing subscriptions keep running. Moderators no longer need Plus. (Sections 5.10 and 6.6)

1. Acceptance of Terms

By downloading, installing, or using TableCash, you agree to be bound by these Terms. If you do not agree, do not use the app.

Third-Party Agreements

By using TableCash, you also agree to be bound by Stripe's Connected Account Agreement and the Stripe Services Agreement, which govern how Stripe processes payments and holds the money. These agreements are available at https://stripe.com/legal/connect-account. In the event of a conflict between these Terms and Stripe's agreements, Stripe's agreements shall govern how payments are processed and how the money is held.

2. Description of Service

TableCash is a group fundraising and collection platform that allows designated organizers ("Table Creators") to collect contributions from participants for a stated purpose.

2.1 How It Works

• A Table Creator creates a table with a stated purpose (e.g., "Rent for the Beach House," "Birthday Gift for Mom")
• Contributors chip in directly to the table by card, Apple Pay, or Google Pay, where your device supports it
• The Table Creator controls all distributions from the table
• All table members can see the balance and transaction history
• Tables do not expire, and a quiet table is never paused or closed because nobody used it for a while (Section 5.5)

2.2 Agency Relationship

• The Table Creator is the payee. Contributions to a table are deemed received by the Table Creator upon successful payment.
• TableCash acts as the limited collection agent for the Table Creator, facilitating receipt of contributions on the Creator's behalf through Stripe. The money is held by Stripe Payments Company (a licensed money services provider) in the Creator's Stripe Connected Account, not by TableCash, until the Creator decides where it goes.
• All distributions from a table are made at the sole direction of the Table Creator, including via per-member limits set by the Creator (e.g., request limits and how often a member can request).
• TableCash does not decide where a table's money goes. We carry out the Table Creator's instructions, and take only what these Terms say (Section 2.3).

2.4 Starting a Table on the Website

You can build a table at tablecash.app/start before installing the app. The website saves a draft (the table name, purpose, type, goal, and deadline) under a 6-character code for 7 days. Nothing is created and no card is involved until you enter that code in the app, which claims the draft once; a draft cannot be claimed twice, and an unclaimed draft becomes unusable after 7 days. Claiming a draft creates a normal table under these Terms.

2.3 Important Disclosures

• Real Money: TableCash involves real U.S. dollars. Contributions and distributions are actual financial transactions.
• Who Holds the Money: The money is held by Stripe Payments Company (SPC), a licensed money services provider, on behalf of the Table Creator. TableCash doesn't hold your money; it sits in the Table Creator's Stripe account. TableCash only takes from it what these Terms say: the TableCash fee, money taken back for a dispute or refund, and amounts due (Section 8A).
• Creator Control: The Table Creator has sole authority over distributions. Only contribute to tables managed by people you trust.
• Purpose-Driven: Every table must have a stated purpose. This purpose is visible to all members and is part of the transaction record.
• Not a Bank: TableCash is not a bank, savings institution, or licensed money transmitter. Money held in Stripe Connected Accounts is not insured by the Federal Deposit Insurance Corporation (FDIC), the Securities Investor Protection Corporation (SIPC), or any other federal or state government agency.
• No Guarantee: We do not guarantee the actions of Table Creators or other table members. You are responsible for evaluating whom you contribute to.

3. Eligibility

3.1 Requirements

To use TableCash, you must:

• Be at least 18 years old
• Be a U.S. resident
• Be capable of entering into a binding contract
• Not be prohibited from using financial services under applicable law

Table Creators can't live in New York. To collect money as a Table Creator, you can't be a New York resident. We check this from the address you give when you set up payouts through Stripe. Members who live in New York can join tables and chip in. We may change which states this applies to as our licensing and regulatory status changes.

3.2 Identity Verification

We may require identity verification (KYC) through Stripe to:

• Comply with financial regulations
• Prevent fraud and money laundering
• Enable certain features or transaction limits

4. Account Registration

4.1 Account Security

• Keep your verification codes confidential
• You are responsible for all activity under your account
• Notify us immediately of unauthorized access at support@tablecash.io

4.2 Accurate Information

You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate.

4.3 Usernames

Your username can't pretend to be someone else, TableCash, or a payment company, and can't be offensive. We may change a username that breaks this rule. You can change your own username twice in any 12 months. When you change it, your old name stays reserved for you for 90 days (one year if it was ever used for a shared table link), and for 90 days the people at your tables see your old name next to your new one. An old name is never given to someone who has shared a table with you.

5. Financial Terms

5.1 Contributions

• Contributions are payments made directly to a table for its stated purpose
• Contributions are processed by Stripe via card, Apple Pay, or Google Pay, where your device supports it. When the app offers it, you can also pay from a bank account; a bank payment takes about 4 business days and counts on the table only once it goes through
• The money is credited to the table upon successful payment
• Minimum contribution: $5.00. A table can collect up to $2,500 in total by default, and its Creator can raise that to $10,000. Money that is cashed out or sent does not make room again. Individual and daily contribution limits may apply based on account verification level
• Contributions are deemed received by the Table Creator upon successful payment processing
• Contributions are non-refundable at the contributor's request. Once a contribution is successfully processed, you cannot reverse it through TableCash. The app has no way for a Table Creator to refund a card chip-in to the card (the one exception is cancelling a funded goal on a commitment table, Section 5.11.7). A Table Creator may choose to send money back to a contributor outside the app (for example by Venmo, Cash App, or PayPal); that is their decision. TableCash does not mediate refund requests between contributors and creators. TableCash may refund a contribution to the card it came from when fraud detection, regulatory compliance, or a payment dispute requires it (Sections 8A.1 and 8B.2).

5.2 Settlements and Distributions

TableCash uses a ledger-based settlement model. Contributions are received by the Table Creator's Stripe Connected Account. When a table member requests money from the table:

• The member submits a request through the app
• The Table Creator reviews and approves or denies the request
• Approved settlements are paid by the Creator directly to the member off-platform (e.g., via Venmo, Cash App, or PayPal)
• The Creator records the payment in the app. The member confirms they received it, or reports that they didn't. If the member doesn't respond within 9 days, the payment is treated as received. The table's ledger balance changes only when a payment is confirmed.
• TableCash does not initiate, process, or guarantee off-platform settlement payments. The Creator is solely responsible for fulfilling approved settlement requests.

5.3 Creator Payouts

Table Creators may cash out money from their own Stripe Connected Account to their linked bank account:

• All creator payouts require the Creator to initiate the withdrawal
• You need a bank account on file before any cash out. A debit card alone is not enough. Stripe uses that bank account to cover disputed contributions your Stripe balance can't (Section 8A)
• Standard payouts usually arrive in 2-3 business days and are available from day one. See Fee Schedule below for rates.
• Instant cash outs are not offered today. We may offer them later; if we do, we will update these Terms, and the price will be shown before you confirm.
• Minimum payout: $1.00 after any fee
• Cash outs pause while an amount is due from you, or while 2 or more of your contributions are in open disputes (Section 8A)
• Creator payouts reduce the table's available balance

5.3A Contribution Hold Period

Each chip-in is subject to a hold period before that money becomes available for cash out. The hold begins when the chip-in is received, not when the Creator requests a withdrawal:

• If the Table Creator's ID is not verified: 7-day hold per chip-in
• If the Table Creator's ID is verified: 2-day hold per chip-in
• The Creator's own chip-ins to their own table: when the Creator's own card chip-ins are more than 60% of all the card chip-ins the table has ever received (not counting voided ones), the Creator's own chip-ins from the last 30 days are held. Nothing extra is held if the Creator's ID is verified

This is a rolling window. Only chip-ins newer than the hold period are locked. Older contributions that have cleared the hold are available for cash out once Stripe makes them available. A bank payment's hold starts when it goes through. Once the hold clears, the Creator may withdraw by standard transfer (2-3 business days). Identity verification is completed through Stripe Identity (see Section 3.2). The applicable hold and available balance are displayed before you confirm a cash out.

5.4 Fee Schedule

• Contribution by card, Apple Pay, or Google Pay: the TableCash fee, 3.5% + $1.49 of each payment, taken from what the Table Creator receives. You pay the amount you choose. For example, if you chip in $50, your card is charged $50 and $46.76 goes to the table.
• Contribution from a bank account (when the app offers it): no TableCash fee.
• Promise (Section 5.11): the same TableCash fee, 3.5% + $1.49, taken only if your card is charged when the goal fills. Promising and taking it back are free. The fee is taken from what the Table Creator receives. For example, if you promise $300 and the goal is reached, your card is charged $300 and $288.01 goes to the table; a $50 promise sends $46.76. If the goal is not reached, there is no charge and no fee.
• Adding the fee (optional): before you pay, you may choose to add the TableCash fee on top so the table receives your full amount. The exact card total is shown before you confirm. This choice is never made for you.
• Creator payout, standard (2-3 business days): free for $50 or more; $0.99 for a cash out under $50

The TableCash fee is the price of using TableCash to collect money. It is taken only when a card is charged, it is the same for every card payment, and it is shown before you confirm. Promising and taking a promise back are free. Payout fees are deducted from the withdrawal amount and displayed before confirmation. AI features are free (Section 5.10). We reserve the right to modify fees with 30 days notice.

5.5 How Long a Table Lasts

• Tables do not expire. A quiet table stays open: nothing pauses it, archives it, or stops chip-ins because nobody used it for a while
• Being quiet moves no money: the balance stays in the Table Creator's Stripe Connected Account
• A table ends when the Table Creator deletes it. A table can be deleted only when its balance is $0; a table holding money can never be deleted
• Deleting a table moves no money

5.6 Taxes

• You are responsible for any taxes owed on your transactions
• We may issue tax forms (e.g., 1099-K) as required by law
• Consult a tax professional for advice on your specific situation

5.7 Chargebacks & Disputes

If you initiate a chargeback or payment dispute with your bank or card issuer for a contribution you made to a table:

• Your account will be immediately frozen
• Because your contribution was a Destination Charge to the Table Creator's Stripe Connected Account, Stripe will debit the disputed amount (plus any dispute fee) from that Connected Account, which may leave the Creator's account with a negative balance (see Section 8A)
• If TableCash refunds, advances, or otherwise covers the disputed amount, you are responsible for repaying it
• We may answer your dispute with your own records with TableCash (Section 8A.3 and Privacy Policy Section 3.3)
• All associated identifiers (email, phone number, device, and identity fingerprint if you have completed identity verification) will be permanently banned from the platform
• If you previously completed identity verification, a one-way cryptographic identifier derived from your verified identity will be used to prevent you from creating new accounts on the platform
• Chargeback abuse is treated as fraud and may be referred to law enforcement
• We reserve the right to pursue legal action to recover losses from fraudulent chargebacks

If you believe a charge was made in error, contact us at support@tablecash.io before filing a dispute with your bank.

Creator notice, you bear contributor chargeback losses. Because every contribution is a Destination Charge to your Stripe Connected Account, a chargeback filed by *a contributor* is debited from *your* Connected Account, not the contributor's, even if you have already sent that money to a member off-platform or cashed it out to your bank. This can leave your account with a negative balance for which you are personally liable, and Stripe can take that amount from your bank account (see Section 8A). A chargeback may be filed by the contributor's bank up to several months after the contribution, which can be longer than the contribution hold period in Section 5.3A. Only accept contributions from people you know and trust, and keep money on your table until you are confident a contribution will not be disputed.

5.8 When Money Is Available

• Contributions are generally credited to the table's balance within minutes of successful payment
• We reserve the right to hold, delay, or reverse transactions that are flagged for fraud review
• Suspicious or high-risk transactions may be subject to additional verification before the money is released
• We may freeze money if required by law, regulation, or to protect users from fraud

5.9 Recurring Contributions (Auto Chip-In / Autopay)

When a Table Creator sets a table to repeat (a "recurring table"), a member may opt in to automatic contributions ("autopay") so their share is charged each time a new cycle starts. Autopay follows the table's repeat schedule; members do not set their own schedule.

5.9.1 Authorization

• By turning on autopay, you authorize TableCash to charge your saved card your share each time a new cycle starts for that table, until you cancel. The TableCash fee (Section 5.4) is taken from what the table receives; your card is charged your share
• The amount basis (your current share), the table's schedule, and the cancellation terms are displayed before you confirm; your consent and the exact wording shown are recorded at opt-in
• Each charge is what is left of your share for that cycle: your share minus what you already paid toward it (a payment recorded outside the app counts once you confirm it) and any bank payment of yours still on its way. If that is under $5, nothing is charged that cycle. A cycle you were excused from ("skip me this time") is not charged
• Autopay is available only on a table that repeats, once you have a share of at least $5, and only after you have chipped in to that table yourself at least twice, and only with a saved card (or a saved bank account, when the app offers paying by bank). A bank autopay charge has no TableCash fee
• Like one-time contributions, each automatic charge is a Destination Charge to the Table Creator's Stripe Connected Account. The money is held by Stripe Payments Company on the Creator's behalf. TableCash doesn't hold your money; it sits in the Table Creator's Stripe account. TableCash only takes from it what these Terms say: the TableCash fee, money taken back for a dispute or refund, and amounts due (Section 8A).

5.9.2 When Your Share Changes

• When you turn on autopay you may set the most it can charge each time. If your share goes above that amount (or, if you set none, above your share when you turned autopay on), autopay stops and asks you first. You are never automatically charged more than the amount you agreed to; you may re-enable autopay at the new amount
• If your share goes down, the lower amount applies automatically to future cycles

5.9.3 Advance Notice, Statement Descriptor, and Receipts

• Before each automatic charge, we email you a notice that names the amount, the day, the card or bank account it comes from, and, for a card, how it will appear on your statement. The charge comes on a later day's charge run, at least 23 hours and 50 minutes after the notice is sent. If the notice can't go out, the charge waits
• By default we also send the notice as a push notification. You may turn the push notification off in table settings; the email is always sent
• If the amount goes up after the notice, you are not charged the higher amount until a new notice is sent. A charge may be lower than the notice said
• Card charges appear on your statement as TABLECASH* followed by the table name in capitals, shortened to fit
• You receive a receipt after each successful charge

5.9.4 Pauses and Failures

• Autopay pauses automatically if your account is frozen or suspended, the table is deleted, the house's season ends, you have no saved card (or bank account, for bank autopay), your saved card has expired, or the charge is over your payment limit. You are told each time, and nothing is charged
• If the Table Creator hasn't finished setting up payouts, nothing is charged and the charge waits until they do
• If a charge would put the table over its limit, or the Table Creator over their monthly limit for money received, that charge is skipped
• If a card is declined, we retry it once, 3 days later; a second decline pauses autopay. If your bank asks you to approve the charge, or a bank payment fails or is returned, autopay pauses right away. When autopay pauses you will be asked to pay your share yourself. A failed charge is never marked paid

5.9.5 Cancellation

• You may cancel autopay at any time from the table screen, effective immediately; no further charges will be made after cancellation
• You may also cancel by contacting us at support@tablecash.io, and we will honor the cancellation
• Cancelling does not refund charges already processed (see Section 5.1)

5.9.6 House Payment Plans

On a house table, the Table Creator can set a payment plan: your share is split into set amounts, each due on a set date. You see every amount and date and agree to the plan before it applies to you.

• What you agree to. The plan screen says: "Dates can move earlier with 48 hours' notice. Amounts can't change. Each payment is non-refundable. You can leave for free before the first date." Your agreement, the plan as you saw it, and the version of that wording are recorded.
• How you pay. You pick "Automatically on each date" or "I'll pay each one myself". Paying automatically needs a saved card. Paying automatically from a bank account, when the app offers it, is a separate choice you turn on yourself.
• What is charged. On each due date, in our daily charge run (15:07 UTC), autopay charges what the plan says is due by that date minus what you have already paid (a payment recorded outside the app counts once you confirm it) and any bank payment of yours still on its way. It never charges more in total than your share, and it never makes a charge under $5. If money is still due after the last date, autopay tries once more the next day.
• Notice. When a due date is 1 to 3 days away, we send you an email naming the amount and the day, and a push notification unless you turned push off. The email is always sent. A charge needs a notice sent at least 23 hours and 50 minutes earlier, for at least that amount; if there isn't one, we send it then and the charge moves to the next day's run.
• Collecting early. Only the Table Creator can move a payment earlier. They can move each payment once, must give a reason that everyone on the table sees, and the new time must be at least 48 hours away. You then choose to pay now, pay on the new date, or tap "I can't", which puts your payment back on its original date.
• When it stops. Automatic payments stop when you choose "I'll pay each one myself", cancel autopay, leave the table, or are removed. They pause, and you are told, when the house's season ends, the table is deleted, your account is frozen or suspended, you have no saved card or it has expired, or the charge is over your payment limit.
• Declines. If a card is declined, we try again 3 days later. A second decline pauses autopay, and you and the Table Creator are told. A failed charge is never marked paid.

5.10 AI Features and TableCash Plus

Every table can use the AI features at no charge: a bill scanner (reads a photo of a bill to help fill in a goal) and an AI planner (turns a described intention into suggested plans).

5.10.1 Fair-Use Limits

• AI features are free, with fair-use limits per table. Today each table can make up to 5 AI plans and up to 30 bill or receipt scans in any 30-day period, plus short hourly limits. When a table reaches a limit, that feature pauses for the table until the period rolls over.
• We may change these limits to keep the features available for everyone.

5.10.2 TableCash Plus (Existing Subscribers Only)

• TableCash Plus is no longer sold. No subscription is offered to new users, and nothing in the app requires one.
• If you bought a per-table TableCash Plus subscription before September 30, 2026, you keep it until it ends or you cancel it. Its size (1 table, 3 tables, or Unlimited, where Unlimited means up to 500 tables per account) and each covered table's paid-through date stay as they were.
• No account may own more than 500 tables.

5.10.3 Billing, Cancellation, and Refunds (Existing Subscribers)

• An existing TableCash Plus subscription is billed by the App Store to your Apple account, governed by Apple's terms, and auto-renews until cancelled. Manage or cancel it from your device's App Store subscription settings; TableCash cannot cancel an App Store subscription for you.
• TableCash cannot issue refunds for App Store purchases; refund requests are handled by Apple.

5.10.4 How AI Reads Your Content

• To provide these features, the content you submit, such as a photo of a bill or a description you type, is sent to our AI provider, Anthropic (Claude), which processes it and returns a result. See our Privacy Policy for details.
• AI output can be wrong. The scanner and planner are assistive only; results are shown to a person to review and correct before anything is recorded. Do not rely on AI output as accurate without checking it. AI never sets a table's goal or moves money on its own, the Creator remains the gatekeeper for all money actions (see Section 6).
• Do not submit content you are not entitled to share. Avoid submitting sensitive personal information (such as card numbers, government IDs, or account numbers) in a photo; the app warns you when it detects such data, but you are responsible for what you submit.

5.11 Promises ("Only charged if it fills")

In the app, committing is called Promise and withdrawing a commitment is called Take back; this section uses "commit" and "commitment" for the same things. When creating a table, a Table Creator may choose a commitment table instead of a pay-now table. On a commitment table nobody pays up front. Members save a card and commit an amount to a goal, and every card saved to that goal is charged at once only if the group reaches that goal by its deadline. If a goal is not reached, nobody is charged for it.

5.11.1 How a Commitment Table Works

• The Creator sets a goal (a total the group is collecting) and a deadline. Every goal on a commitment table must have a deadline.
• A table may run more than one goal at the same time. Each goal has its own target, its own deadline, and its own all-or-nothing charge. Goals do not fund each other, and reaching one goal has no effect on any other goal on the same table. Everything in Section 5.11 applies to each goal on its own.
• When a table is running more than one goal, you choose which goal you are committing to before you save a card, and the goal you chose is shown to you with its target and its deadline.
• A member commits by choosing an amount ($5 minimum, never more than what is left of that goal) and saving a card through Stripe. Saving a card is a commitment, not a payment. Nothing is held on or charged to your card when you commit.
• One commitment per member per goal. A member may commit to more than one goal on the same table, and each commitment is charged, released, or refunded separately. A person who commits from the website without a TableCash account may commit up to $100 per goal.
• Until a goal on the table is funded there is no money on the table, so requests and cash out are not available.
• The Creator may mark "Your part" on a goal: an amount the Creator is covering outside the app. It counts toward that goal but is never charged to any card and never appears as money on the table.
• A goal locks as soon as anyone has committed to it. After the first commitment to a goal, that goal's target and the Creator's part on it cannot be changed, except the reduction described in Section 5.11.4. Other goals on the table are unaffected.

5.11.2 Authorization to Charge Your Saved Card

• By saving a card on a commitment table, you authorize TableCash, acting as the Table Creator's collection agent, to charge that card once, while you are not present, for your commitment amount (plus the TableCash fee only if you chose to add it), and only if live commitments to the goal you chose, plus the Creator's part on that goal, reach that goal before its deadline. Each commitment you make is a separate authorization for that one goal.
• The TableCash fee for a promise (Section 5.4) is quoted when you commit and is taken from what the table receives, unless you chose to add it on top so the table receives your full commitment. That choice and the fee shown when you save your card are locked in; the fee is never raised at charge time, and changing your amount recalculates it the same way. The exact amount that would be charged is displayed before you save your card.
• Like every contribution, the charge is a Destination Charge to the Table Creator's Stripe Connected Account. Stripe holds the money; TableCash never does. Once charged, your commitment is a contribution and Section 5.1 applies.
• Your consent and the version of the wording shown to you are recorded when you commit.
• The charge appears on your card statement as TABLECASH* followed by the table name in capitals, shortened to fit.

5.11.3 The Charge Is All or Nothing

• When a goal is reached and the Table Creator has finished setting up payouts, the charge for that goal is scheduled automatically; no one taps a button. It is set for 10:00 in the morning in the table's time zone, on the first day at least 25 hours after the goal was reached.
• Before any card is charged, each person who promised is sent a notice by email (members using the app also get a push notification) naming the card, the amount, the day, and how it will appear on the statement. A card is charged no sooner than 24 hours after its notice. If a notice can't go out in time, the charge moves to a later day and everyone is told the new day.
• If the Table Creator hasn't finished setting up payouts when the goal is reached, nobody is charged yet. Once their payout setup is done, the Table Creator has to confirm the charge, and we check again that the goal is still exactly reached and its deadline hasn't passed. If they haven't confirmed by 14 days after the goal was reached, or by the goal's deadline if that comes first, every commitment to that goal is released and nobody is charged. Everyone who promised is told.
• Every card saved to that goal is charged in one batch: each card is first authorized for its amount, and only when every authorization succeeds are the cards captured. If any card fails, every authorization that succeeded is released and no card is charged.
• A batch covers one goal only. Cards saved to a different goal on the same table are not part of it and are not charged.
• The moment a goal is reached, commitment amounts on that goal are frozen and can no longer be changed or withdrawn.
• A goal is funded only when every card in its batch has been captured. The Creator cannot cash out from the table while a batch is in progress.

5.11.4 When a Card Fails

• If a card fails, that goal's batch pauses and no card in it is charged. The Creator may remove that member's commitment; the goal is then lowered by exactly that amount, and if no other card failed the charge starts again for the remaining cards on that goal.
• If a batch is still paused at that goal's deadline, it is cancelled and nobody is charged for that goal.
• A card that failed is never marked as paid.

5.11.5 Changing or Withdrawing a Commitment

• You may change your amount or withdraw your commitment at any time before that goal is reached, from the table screen. Withdrawing means your card will not be charged for that goal. If you have committed to more than one goal, changing or withdrawing one commitment leaves your other commitments in place.
• A commitment whose card was never finished saving expires on its own after one hour.

5.11.6 If a Goal Is Not Reached

• If a goal is not reached by its deadline, every commitment to that goal is released and nobody is charged for it. Members are notified that nobody was charged.
• A missed deadline ends that goal only. Other goals on the same table keep running to their own deadlines, and commitments to them are untouched.
• Frozen or suspended accounts cannot commit, and every card is re-checked before the batch starts.
• The Creator may end a goal before it is reached. Every commitment to that goal is released and nobody is charged for it; members who committed are notified. A goal cannot be ended while its cards are being charged.

5.11.7 Refunds When a Funded Goal Is Cancelled

• On a commitment table, after a goal is funded, the Creator may cancel it. Every card charged for that goal is then refunded in full, including the TableCash fee. Refunds go back to the original card and post on your bank's timeline. The Creator cannot cash out from the table while refunds are processing.
• The app refuses the cancellation if the Creator's Stripe balance can't cover every refund, for example because some of the money was already cashed out.
• A cancellation covers one goal. Money collected by a different goal on the same table is not refunded by it. A goal that takes promises on a pay-now table can't be cancelled this way.
• Apart from this cancellation, Section 5.1 applies: TableCash does not reverse a charged commitment at the member's request.

6. Table Rules

6.1 Table Creators

The Table Creator is the organizer and designated payee of the table. Table Creators:

• Define the table's stated purpose (mandatory, visible to all members)
• Control who can join the table (invite-only or link sharing)
• Approve or deny all distribution requests from members
• Set per-member request limits: how much a member can request and how often
• May transfer Creator status to another member
• Keep the table's balance in their own Stripe Connected Account and can cash out at any time
• Are responsible for using the money collected for the stated purpose
• Understand that changes to settings that affect money (the goal, the Creator's part, the deadline, shares, the PIN requirement, and request defaults) are recorded with who made the change and the value before and after, alongside the existing record of money events (see Privacy Policy Section 1.4)

6.2 Contributors (Table Members)

Contributors are participants who put money on a table. Contributors:

• Can view the table balance, stated purpose, and full transaction history
• Can chip in to the table
• May request settlements (subject to Creator approval; settlements are paid off-platform by the Creator)
• Can leave a table at any time
• Understand that contributions are made to the Table Creator for the stated purpose, and that distributions are at the Creator's discretion

6.3 Creator Responsibility

• The Table Creator is solely responsible for how the table's money is used and where it goes
• By creating a table, you represent that the stated purpose is accurate and lawful
• Misrepresentation of a table's purpose may result in account termination and reporting to authorities
• TableCash is not responsible for a Creator's failure to fulfill the stated purpose

6.4 Contributor Responsibility

• You are responsible for evaluating the Table Creator and stated purpose before contributing
• Contributions are voluntary and made at your own risk
• TableCash cannot guarantee that the money will be used for the stated purpose
• Only contribute to tables managed by people you know and trust

6.5 Disputes

• Disputes between Creators and Contributors must be resolved between the parties
• We may provide transaction records and table purpose documentation to assist in resolution
• We are not an arbiter and will not make judgments on disputes
• For fraud, misrepresentation, or unauthorized access, contact us immediately at support@tablecash.io

6.6 Moderators

• The Table Creator may make up to 5 members moderators. Only the Creator can appoint or remove a moderator.
• A moderator can set the goal and each member's share, and can remove a regular member who has not chipped in. Only the Creator can remove a member who has chipped in. A moderator cannot remove the Creator or another moderator.
• A moderator never touches the money. A moderator can turn down a new request, because turning one down moves no money. A moderator cannot approve a request, change a request the Creator already answered, record a send, waive a send, cash out, or change who the payee is. Those actions remain the Creator's alone.
• A moderator badge, the Creator's badge, a verified badge (identity checked through Stripe), and a Plus badge (existing Plus subscribers only) are shown next to names only to members of that table.

6A. Rooms

6A.1 What Rooms Is

Rooms lets a person who lives in a shared home post a room, and lets people looking for a room ask about it. TableCash doesn't own, rent, inspect, or manage any room, and isn't part of any agreement you make with someone you meet through Rooms. The person who posts a room is responsible for what they post and for having the right to rent it. Rooms moves no money. We may turn Rooms off at any time.

6A.2 Who Can Post or Ask

• To post a room or send a request, you must be 18 or older and have verified your ID through Stripe. A room or request you make before you verify is held, and nobody else sees it, until you finish verifying.
• Anyone can look at open rooms, in the app and on tablecash.app.
• One verified person can have up to 2 live rooms. One account can have up to 5 open requests, and can send up to 10 requests in any 7 days.
• If a poster answers your request with "Not a fit", or your request to the same room expires a second time, you can't ask about that room again for 30 days.

6A.3 What You Can Post

• A room is described with the app's fields (price, deposit, bills, the room and bath, furnished, parking, laundry, pets, move-in date, how long, the zip code, house rules from the app's list, and the question you ask people who want the room) and a short note. Rooms has no photos.
• When you post, you confirm that you live in the home and that your lease lets you add someone. Don't post a room you don't live in or don't have the right to rent out.
• A room describes the place, not who can live there. Don't say who can or can't live there based on race, color, religion, sex, gender identity, sexual orientation, national origin, disability, familial status, age, marital status, student status, or source of income. The app refuses some of these words in a note, and we take down rooms that do this.
• People see a room's area and about how far away it is, never its address.

6A.4 Requests and Chats

• A request is your answer to the poster's question plus your room search answers. The poster sees those, your first name, and whether your ID is verified.
• Only the two people in a chat see its messages. Phone numbers, emails, links, and payment handles are blocked in a chat until a viewing is agreed. An address for an in-person viewing is shown only once the time is agreed.
• A request that gets no answer expires 72 hours after it is sent. A chat with no messages for 14 days closes, unless a viewing is coming up. A room asks its poster after 14 days whether it is still open, and comes down 30 days after the poster last said it is.

6A.5 No Money Before You Move In

TableCash never asks anyone to pay for a room. Never send a deposit, a fee, or any payment to someone you met in Rooms before you've seen the room in person and moved in. If anyone asks you to, report them. TableCash is not responsible for money you send to someone you met in Rooms.

6A.6 Zero Tolerance

No harassment, threats, sexual messages, hate, scams, fake rooms, spam, or impersonation, in rooms, requests, or messages. We don't tolerate it, and we act on it.

6A.7 Reports and What We Do

• You can report a room, a request, or a chat. Reporting someone also blocks them: they can't message you anymore, and your open chats with them close.
• We aim to look at every report within a day, and first at reports of being asked for money or for an ID.
• To keep Rooms safe, for example to review a report, our team can read Rooms chats.
• We can take down rooms, which closes their chats, suspend or freeze accounts, and ban the verified identity behind an account so it can't use Rooms again, even from a new account.

6A.8 Meeting People

You decide who to talk to and who to meet. A video call first is a good idea, tell someone where you're going, and you can leave anytime. After a viewing, the app asks both people whether it went OK. What we keep from Rooms, and for how long, is in our Privacy Policy (Section 1.11).

7. Acceptable Use

7.1 You Agree To:

• Use the app for lawful purposes only
• Provide accurate information
• Respect other users
• Comply with all applicable laws and regulations

7.2 You Agree NOT To:

• Use the app for illegal activities including money laundering, fraud, or tax evasion
• Fund or support terrorism or prohibited activities
• Circumvent transaction limits or security measures
• Create fake accounts or misrepresent your identity
• Harass, abuse, or harm other users
• Attempt to reverse engineer the app
• Use automated systems to access the service
• Violate any applicable laws or regulations

8. Prohibited Activities

The following are strictly prohibited:

• Money laundering or structuring transactions to avoid reporting
• Fraud or misrepresentation
• Funding illegal activities
• Circumventing identity verification
• Using the service from prohibited jurisdictions
• Any activity that violates Stripe's terms of service
• Gambling, lotteries, and games of chance: Using tables for raffles, betting pools, lottery-style drawings, winner-takes-all contests, or any arrangement where distribution is determined by chance rather than the Creator's discretion
• Pyramid or multi-level schemes: Any table structure that requires recruitment of new contributors to pay existing members

Violation may result in immediate termination, fund freezing, and reporting to authorities.

8A. Creator Chargeback Liability

8A.1 Creator's Financial Responsibility

As a Table Creator, you acknowledge and agree that:

• Contributions to your table are Destination Charges to your Stripe Connected Account
• If a contributor disputes a contribution with their bank or card issuer (a chargeback), you pay for it, whether or not you did anything wrong. What you received for that contribution (the contribution minus the TableCash fee) is taken back from your Stripe Connected Account. Stripe's dispute fee (usually $15), which Stripe keeps even if the dispute is won, and the TableCash fee on that contribution are recorded as due from you. If we answer the dispute (Section 8A.3) and it is lost, Stripe's $15 fee for answering it is also due from you
• If your Stripe balance can't cover what is taken back, for example because you already cashed out or sent the money to a member, your Stripe balance goes below zero and Stripe can take the rest from the bank account on file for your payouts, as allowed by Stripe's Connected Account Agreement. This is why a bank account is required before any cash out (Section 5.3)
• Amounts due are taken from your available Stripe balance when a dispute or refund is processed and before each cash out. You cannot cash out while an amount is due. Cash outs also pause while 2 or more of your contributions are in open disputes
• Refunds for suspected fraud. If a contributor's card issuer warns that a contribution may be fraudulent, TableCash may refund it in full to the card, including the TableCash fee. What your table received is taken back from your Connected Account, and the card processing fee, which Stripe does not return on a refund, is recorded as due from you
• If a dispute is won, what was taken back and the fees collected from you for it are returned, and an answering fee is cancelled, except Stripe's dispute fee, which stays yours
• TableCash will work with you in good faith on how and when an amount due is paid. If an amount due stays unpaid, we may withhold future payouts or pursue legal remedies to recover it
• Multiple chargebacks may result in Stripe terminating your Connected Account, which would prevent you from receiving any further contributions

8A.2 Creator's Duty to Resolve Disputes

Before a contributor files a bank dispute, we encourage resolution between Creator and Contributor. Creators should:

• Respond to contribution disputes within 48 hours
• Send money back to a contributor when a contribution was made in error
• Maintain accurate records of how the money was used in accordance with the table's stated purpose

8A.3 How Disputes Are Answered

• We may answer a dispute with the contributor's own records with TableCash: their agreement to the table's contribution terms, their autopay or promise consent, the notice sent before an automatic charge, their receipt, their earlier payments to the same table, and whether their card's bank verified the payment
• We answer only when there is a record from before the charge of the contributor's agreement, consent, or charge notice. We do not answer chargebacks of $50 or less
• Before an answer is sent, we send you a push notification saying the date we'll answer by, and you can tell us not to answer it
• Stripe's $15 fee for answering is due from you only if we answer and the card's bank still sides with the person who paid (Section 8A.1)
• Whether to answer a dispute, and with which records, is TableCash's decision. The card network decides the outcome

8A.4 Platform Rights on Chargeback Events

Upon any chargeback event, TableCash reserves the right to:

• Immediately freeze the affected table and Creator's account pending investigation
• Recover the amounts described in Section 8A.1 in the ways described there
• Suspend all payout activity for the Creator across all tables
• Report suspicious patterns to financial authorities (FinCEN SAR filing)
• Permanently ban the Creator, including by identity fingerprint if the Creator has completed identity verification, if chargeback rate exceeds 1% of transactions

8B. Platform Freeze Authority

8B.1 Right to Freeze

TableCash may immediately freeze any account, table, or pending transaction without prior notice if:

• We detect or reasonably suspect fraudulent activity
• A chargeback or dispute is filed
• Our automated systems detect anomalous patterns (velocity spikes, structuring, etc.)
• Required by law, regulation, or Stripe
• The account shows signs of compromise or unauthorized access
• The table's ledger balance diverges from the actual Stripe balance (circuit breaker)

8B.2 Effect of Freeze

When we freeze a Table Creator's account, every table they created is frozen too. (This happens when an account is frozen, whatever the reason; suspending an account does not freeze its tables or refund anything.) During a freeze:

• No new contributions can be made to frozen tables, and promise charges skip frozen tables
• A frozen account can't cash out or pay, and its autopay pauses
• Existing pending payouts may be paused or reversed
• Money on a frozen table goes back to the cards it came from. On each frozen table that still holds money, each member's net amount (what they chipped in, minus what was recorded as sent to them off-platform) is refunded to the card or bank account it came from, oldest chip-ins first. A guest's chip-ins are refunded in full. The Table Creator's own chip-ins are not refunded this way, and the TableCash fee is not refunded. Refunds come out of what the table holds; if there isn't enough to refund everyone, the rest goes to our team to review by hand
• Members who get money back are told "$X of your chip-in to [table] went back to your card". A guest who chipped in without an account gets Stripe's refund receipt by email. The Table Creator is told too

If a freeze is lifted, refunds that haven't gone out yet are cancelled. Refunds already made are not reversed.

8B.3 Resolution

• We will investigate frozen accounts within 5 business days
• You may contact support@tablecash.io with documentation to expedite resolution
• If the freeze was triggered in error, full access will be restored
• If fraud is confirmed, the account may be permanently terminated

8C. Money Credited by Mistake and System Errors

8C.1 No Right to Erroneous Credits

If a system error, bug, or technical malfunction results in money being credited to your account or table in excess of what you are owed:

• You do not have any right or claim to that extra money
• You must notify us immediately upon discovering any discrepancy
• We reserve the right to reverse, debit, or correct erroneous transactions at any time without prior notice
• Intentional exploitation of a known system error constitutes fraud and may result in criminal referral

8C.2 Reconciliation Rights

TableCash performs regular reconciliation between our internal ledger and Stripe's records. We reserve the right to:

• Correct any balance discrepancy at any time
• Freeze accounts during reconciliation if significant drift is detected
• Reverse transactions that were processed in error
• Require creators to return money that was paid out because of a system error

9. Intellectual Property

9.1 Our Property

TableCash, including its design, code, and branding, is owned by us. You may not copy, modify, or distribute our intellectual property.

9.2 Feedback

Any feedback or suggestions you provide may be used by us without obligation to you.

10. Disclaimers

Partner Links

Some links in the app go to partner stores (like Vrbo). TableCash may earn a commission from the partner store when you book or buy there. It never changes your price. Anything you book or buy through a partner store is between you and that store. Our Privacy Policy (Section 9.5) says what we send to pick a store and what the link carries.

10.1 "As Is" Service

TableCash is provided "AS IS" without warranties of any kind, express or implied, including:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Uninterrupted or error-free service

10.2 No Financial Advice

We do not provide financial, tax, or legal advice. Consult appropriate professionals for advice.

10.3 Third-Party Actions

We are not responsible for:

• Actions of other table members
• Stripe service interruptions
• Third-party payment failures
• Unauthorized access due to your failure to secure your account

10.4 Service Availability

We do not guarantee uninterrupted service. The app may be unavailable due to maintenance, updates, or circumstances beyond our control.

10.5 In-App Support Assistant

The in-app support chat first answers from a fixed set of written answers. When it cannot, your question may be answered by an AI model run by Anthropic (Claude), using only a read-only summary of your own account (your first name, each of your live tables with your role, its balance, and how many members it has, your payout setup status, and how many requests are open on your tables) and the last 10 turns of the chat. The assistant can only reply with text and a link to a screen in the app. It cannot move money, approve anything, issue refunds, or change your account, and nothing it says is a promise by TableCash to do any of those things. Its answers can be wrong; for anything that matters, use "Send to support" to reach a person. Questions answered by AI, and anything you send to support, are saved to your support history; questions answered from the written answers are not (see Privacy Policy Section 1.8). Use is limited to 20 AI answers per hour per account.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• OUR TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF $100 USD OR THE FEES YOU PAID US IN THE PAST 12 MONTHS
• WE ARE NOT LIABLE FOR DISPUTES BETWEEN USERS
• WE ARE NOT LIABLE FOR ACTIONS OF TABLE MEMBERS
• WE ARE NOT LIABLE FOR STRIPE SERVICE ISSUES

SOME JURISDICTIONS DO NOT ALLOW LIMITATION OF LIABILITY FOR CERTAIN DAMAGES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

12. Indemnification

You agree to indemnify, defend, and hold harmless TableCash, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the app
• Your violation of these Terms
• Your violation of any third-party rights
• Your violation of any applicable laws
• Disputes with other table members

13. Termination

13.1 By You

You may close your account at any time. You must first:

• Cash out any remaining balance from tables you created to your linked bank account
• Leave tables you are a member of
• Settle any outstanding obligations

13.2 By Us

We may suspend or terminate your account immediately if you:

• Violate these Terms
• Engage in fraudulent or illegal activity
• Pose a risk to other users or our service
• Are required by law or Stripe

13.3 Effect of Termination

Upon termination:

• Your access to the app ceases
• Money on tables you created stays in your Stripe account under Stripe's agreements, minus any amounts due, or may be refunded to the cards it came from (Section 8B.2)
• We may retain records as required by law
• The following sections survive termination: Section 5 (Financial Terms, including any outstanding obligations), Section 8A (Creator Chargeback Liability), Section 8C (Money Credited by Mistake and System Errors), Section 9 (Intellectual Property), Section 10 (Disclaimers), Section 11 (Limitation of Liability), Section 12 (Indemnification), Section 14 (Governing Law and Disputes, including Arbitration and Class Action Waiver), and Section 16 (General Provisions)

13.4 Quiet Accounts

We don't close an account because it was quiet. Money in a Table Creator's Stripe account is handled by Stripe, including under unclaimed property laws.

14. Governing Law and Disputes

14.1 Governing Law

These Terms, and any dispute between you and TableCash, are governed by the laws of the State of Delaware, without regard to its conflict-of-law principles, except that the interpretation and enforcement of the Arbitration Agreement in Sections 14.3–14.13 is governed exclusively by the Federal Arbitration Act (9 U.S.C. §§ 1 et seq.).

14.2 Informal Resolution First (Required)

Before starting an arbitration or filing any claim, you and TableCash agree to first try to resolve the dispute informally for at least sixty (60) days. To begin, send a written Notice of Dispute to support@tablecash.io describing the dispute and the relief sought. You and TableCash will attempt in good faith to resolve it. If the dispute is not resolved within sixty (60) days of the Notice, either party may begin arbitration. This informal-resolution requirement is a condition precedent to arbitration, and the statute of limitations is tolled while the parties comply with it.

14.3 Agreement to Arbitrate

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.

You and TableCash agree that any dispute, claim, or controversy arising out of or relating to these Terms, the TableCash service, or the relationship between you and TableCash (whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether arising before, during, or after the termination of these Terms) will be resolved by final and binding individual arbitration, and not in a court of law, except as expressly stated in Section 14.4 (Exceptions).

The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (or, if the AAA is unavailable, by another established arbitration provider the parties agree on in writing) and, where applicable, its Mass Arbitration Supplementary Rules. The AAA rules are available at www.adr.org. The arbitrator's award may be entered as a judgment in any court of competent jurisdiction.

14.4 Exceptions to Arbitration

Notwithstanding Section 14.3, either party may: (a) bring an individual claim in small-claims court if it qualifies; and (b) seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual-property rights. Nothing in this Section prevents either party from reporting conduct to, or seeking relief from, a government agency.

14.5 Class Action Waiver

YOU AND TABLECASH AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class, representative, or private-attorney-general proceeding.

14.6 Waiver of Jury Trial

IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND TABLECASH EACH KNOWINGLY AND IRREVOCABLY WAIVE ANY RIGHT TO A TRIAL BY JURY.

14.7 Delegation

The arbitrator, and not any court, has the exclusive authority to resolve any dispute about the interpretation, applicability, enforceability, or formation of this Arbitration Agreement, including any claim that all or part of it is void or voidable, except that a court (not the arbitrator) decides any challenge to the Class Action Waiver in Section 14.5.

14.8 Fair Procedure (Mutual Rights)

The arbitration will afford both parties the same rights. Both you and TableCash have an equal right to reasonable discovery, to be heard, and, where the applicable arbitration rules provide one, to the same rights of appeal. No procedure or ruling will bind a party who did not receive notice and an opportunity to be heard. If a mass or coordinated set of similar claims is filed, any bellwether or batching process must apply equally to both sides and may not make any ruling binding on a claimant who was not a party to it.

14.9 Arbitration Costs

TableCash will pay arbitration filing, administration, and arbitrator fees to the extent required by the applicable AAA rules and applicable law; where those rules do not allocate fees, each party bears its own attorneys' fees and costs except as otherwise required by law or awarded by the arbitrator. If the arbitrator finds that the substance of a claim or the relief sought is frivolous or brought for an improper purpose, the allocation of fees will be governed by the AAA rules.

14.10 Location and Format

Unless the parties agree otherwise, arbitration will take place in the U.S. county where you reside, or be conducted by telephone, videoconference, or on documents only, at your election where the AAA rules permit.

14.11 Right to Opt Out

YOU HAVE THE RIGHT TO OPT OUT OF THIS ARBITRATION AGREEMENT (SECTIONS 14.3–14.10) AND THE CLASS ACTION WAIVER (SECTION 14.5). TO OPT OUT, SEND WRITTEN NOTICE TO support@tablecash.io WITHIN THIRTY (30) DAYS OF THE DATE YOU FIRST ACCEPTED THESE TERMS. YOUR NOTICE MUST INCLUDE YOUR NAME, THE EMAIL ASSOCIATED WITH YOUR ACCOUNT, AND A CLEAR STATEMENT THAT YOU WISH TO OPT OUT OF ARBITRATION. Opting out will not affect any other part of these Terms, and TableCash will not retaliate against you for opting out. If you opt out, disputes will be resolved in the courts identified in Section 14.1.

14.12 Severability of This Section

If the Class Action Waiver in Section 14.5 is found unenforceable as to a particular claim or request for relief, then that claim or request will be severed and decided by a court of competent jurisdiction, while all other claims will still proceed in arbitration. If any other provision of Sections 14.3–14.11 is found unenforceable, that provision will be severed and the remainder of the Arbitration Agreement will remain in full force and effect.

14.13 Survival

This Section 14 survives termination of your account and these Terms.

15. Changes to Terms

We may modify these Terms at any time. For material changes, we will:

• Notify you via in-app notification or email
• Provide at least 30 days notice before changes take effect
• Update the "Last Modified" date

Continued use after changes take effect constitutes acceptance. If you disagree with changes, you must stop using the app and close your account.

16. General Provisions

16.1 Severability

If any provision is found unenforceable, the remaining provisions remain in effect.

16.2 Waiver

Our failure to enforce any right does not waive that right.

16.3 Assignment

You may not assign these Terms. We may assign them to an affiliate or successor.

16.4 Entire Agreement

These Terms, together with our Privacy Policy and any other agreements referenced herein, constitute the entire agreement between you and TableCash.

16.5 Electronic Communications (E-Sign Consent)

By using TableCash, you consent to receive all communications, agreements, disclosures, and notices electronically, including via in-app notifications, push notifications, and email. You agree that electronic communications satisfy any legal requirement that such communications be in writing, including under the federal Electronic Signatures in Global and National Commerce Act (E-Sign Act, 15 U.S.C. § 7001 et seq.). You may withdraw this consent by closing your account, but doing so will prevent you from using the service.

16.6 Force Majeure

We shall not be liable for any failure or delay in performing our obligations where such failure or delay results from causes beyond our reasonable control, including but not limited to: natural disasters, pandemic, war, terrorism, civil unrest, government actions, power or internet outages, failures of third-party services (including Stripe), or any other event that could not have been reasonably foreseen or prevented.

17. Contact

For questions about these Terms:

Email: support@tablecash.io

For urgent matters involving unauthorized transactions or account security, please include "URGENT" in your subject line.

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By using TableCash, you acknowledge that you have read, understood, and agree to these Terms of Service.