Terms and Conditions

Last updated: December 31, 2025

Please read these terms and conditions carefully before using Our Service.

Interpretation and Definitions

Interpretation

The words whose initial letters are capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of these Terms and Conditions:

• Application means the software program provided by the Company downloaded by You on any electronic device, named Tabello

• Application Store means the digital distribution service operated and developed by Apple Inc. (Apple App Store) or Google Inc. (Google Play Store) in which the Application has been downloaded.

• Affiliate means an entity that controls, is controlled by, or is under common control with a party, where " control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.

• Account means a unique account created for You to access our Service or parts of our Service.

• Country refers to: New York, United States

• Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Lone Hill Ventures LLC, 448 West 37th Street, Apt. 8A, New York, NY 10018.

• Device means any device that can access the Service such as a computer, a cell phone or a digital tablet.

• Feedback means feedback, innovations or suggestions sent by You regarding the attributes, performance or features of our Service.

• In-app Purchase refers to the purchase of a product, item, service or Subscription made through the Application and subject to these Terms and Conditions and/or the Application Store’s own terms and conditions.

• Service refers to the Application or the Website or both.

• Terms and Conditions (also referred as “Terms”) mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.

• Third-party Social Media Service means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.

• Website refers to Tabello, accessible from www.tabello.io

• You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Acknowledgment

These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service.

You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.

Description of Service

Tabello is a financial management application that provides the following features:

• Personal Expense Tracking: Record, categorize, and manage Your personal expenses across multiple currencies
• Group Expense Splitting: Share expenses with others and calculate fair settlements using various allocation methods
• Multi-Currency Support: Track expenses in different currencies with automatic exchange rate conversion
• Bank Account Integration: Connect Your bank accounts to import transactions (where available — see “Bank Account Integration” section below)
• AI-Powered Categorization: Automatic expense category suggestions powered by artificial intelligence

The Service is provided for personal, non-commercial use to help You manage and organize Your finances. The Service does not provide financial, tax, legal, or investment advice.

Geographic Availability

The Service may not be available in all countries or regions. Certain features (such as bank account integration) may be limited to specific geographic areas. We do not represent that the Service is appropriate or available for use in all locations. If You access or use the Service from outside the United States, You do so at Your own risk and are responsible for compliance with local laws.

In-app Purchases

The Application may include In-app Purchases that allow you to buy products, services or Subscriptions.

More information about how you may be able to manage In-app Purchases using your Device may be set out in the Application Store’s own terms and conditions or in your Device’s Help settings.

In-app Purchases can only be consumed within the Application. If you make a In-app Purchase, that In-app Purchase cannot be cancelled after you have initiated its download. In-app Purchases cannot be redeemed for cash or other consideration or otherwise transferred.

If any In-app Purchase is not successfully downloaded or does not work once it has been successfully downloaded, we will, after becoming aware of the fault or being notified to the fault by You, investigate the reason for the fault. We will act reasonably in deciding whether to provide You with a replacement In-app Purchase or issue You with a patch to repair the fault. In no event will We charge You to replace or repair the In-app Purchase. In the unlikely event that we are unable to replace or repair the relevant In-app Purchase or are unable to do so within a reasonable period of time and without significant inconvenience to You, We will authorize the Application Store to refund You an amount up to the cost of the relevant In-app Purchase. Alternatively, if You wish to request a refund, You may do so by contacting the Application Store directly.

You acknowledge and agree that all billing and transaction processes are handled by the Application Store from where you downloaded the Application and are governed by that Application Store’s own terms and conditions.

If you have any payment related issues with In-app Purchases, then you need to contact the Application Store directly.

Price Changes

We reserve the right to change subscription prices at any time at Our sole discretion. Price changes will take effect at the start of Your next subscription period following the change. Your continued use of the Service after a price change constitutes Your acceptance of the new price. If You do not agree to a price change, You may cancel Your subscription before the new price takes effect.

Bank Account Integration

Availability

Bank account integration is provided through Plaid Inc. (“Plaid”) and may not be available in all countries or regions. We may expand or limit availability at any time without notice.

Authorization

By connecting Your bank account through the Service, You:

• Authorize Plaid to access Your bank account information on Your behalf
• Authorize Us to receive and store account information from Plaid, including account names, types, masks (last 4 digits), and transaction data
• Acknowledge that Your bank login credentials are handled securely by Plaid and are never shared with Us
• Agree to Plaid’s End User Privacy Policy and terms of service

Accuracy of Bank Data

We are not responsible for the accuracy, completeness, or timeliness of data provided by Your financial institution through Plaid. You should verify all financial information independently. We do not guarantee that bank connections will be available or function without interruption.

Disconnecting Accounts

You may disconnect any linked bank account at any time through the Application settings. Upon disconnection, We will delete the associated access tokens and account information from Our systems in accordance with Our Privacy Policy.

Third-Party Terms

Your use of bank account integration is subject to Plaid’s terms and conditions. Any issues with bank connectivity should be directed to Plaid or Your financial institution. We are not responsible for Plaid’s services or any actions taken by Plaid or Your financial institution.

User Accounts

When You create an account with Us, You must provide Us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of Your account on Our Service.

You are responsible for safeguarding the password that You use to access the Service and for any activities or actions under Your password, whether Your password is with Our Service or a Third-Party Social Media Service.

You agree not to disclose Your password to any third party. You must notify Us immediately upon becoming aware of any breach of security or unauthorized use of Your account.

You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than You without appropriate authorization, or a name that is otherwise offensive, vulgar or obscene.

Sharing and Invitations

Invitation Links

The Service allows You to invite others to join Your expense trackers by sharing invitation links. When You share an invitation link:

• Anyone with the link can join: Invitation links grant access to the expense tracker to anyone who clicks them. Treat these links like passwords and share them only with people You trust and intend to invite.
• You are responsible for link distribution: We are not responsible for unauthorized access that results from sharing invitation links publicly or with unintended recipients.
• Revoke access if needed: If an invitation link is shared with unintended parties, You can remove unwanted participants from the expense tracker through the Application.

Shared Expense Tracker Content

When You participate in shared expense trackers:

• Other participants can view expenses You create, including amounts, descriptions, and categories
• You should only add expense information that You are comfortable sharing with all participants
• We are not responsible for disputes between participants regarding expense accuracy or settlement amounts

Prohibited Uses

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Use the Service for any illegal purpose or in violation of any local, state, national, or international laws
• Commit fraud, provide false information, or misrepresent Your identity
• Use the Service to track expenses or finances for illegal activities
• Attempt to gain unauthorized access to the Service, other user accounts, or related computer systems or networks
• Interfere with or disrupt the Service or servers or networks connected to the Service
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Application
• Use automated scripts, bots, scrapers, or similar data gathering tools to access the Service
• Transmit any viruses, malware, worms, or other harmful or destructive code
• Harass, abuse, threaten, or harm other users of the Service
• Use the Service to infringe on the intellectual property rights of others
• Attempt to circumvent any security features, access controls, or usage limits of the Service
• Resell, sublicense, or commercially exploit the Service without Our prior written authorization
• Use the Service to send spam or unsolicited communications

We reserve the right to investigate and take appropriate action against anyone who violates these prohibitions, including removing content, suspending or terminating accounts, and reporting violations to law enforcement authorities.

Intellectual Property

The Service and its original content (excluding Content provided by You or other users), features and functionality are and will remain the exclusive property of the Company and its licensors.

The Service is protected by copyright, trademark, and other laws of both the Country and foreign countries.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company.

Your Feedback to Us

You assign all rights, title and interest in any Feedback You provide the Company. If for any reason such assignment is ineffective, You agree to grant the Company a non-exclusive, perpetual, irrevocable, royalty free, worldwide right and license to use, reproduce, disclose, sub-license, distribute, modify and exploit such Feedback without restriction.

Links to Other Websites

Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company.

The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.

Termination

We may terminate or suspend Your Account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.

Upon termination, Your right to use the Service will cease immediately.

Termination by You

If You wish to terminate Your Account, You may do so by:

• Using the “Delete Account” feature within the Application settings, or
• Contacting Us at the email address provided at the end of these Terms

Effect of Termination

Upon termination of Your Account:

• Your right to use the Service will cease immediately
• We will delete Your personal data in accordance with Our Privacy Policy
• Any data You contributed to shared expense trackers may be retained (with personal identifiers removed) to maintain accurate records for other participants
• Provisions of these Terms that by their nature should survive termination will remain in effect, including Intellectual Property, Indemnification, Limitation of Liability, and Disclaimers

No Refund for Termination Due to Breach

If We terminate Your Account due to Your breach of these Terms, You will not be entitled to any refund of prepaid subscription fees.

Inactive Accounts

If Your Account remains inactive (no logins or activity) for a period of twenty-four (24) consecutive months, We may:

• Send You a notification to the email address associated with Your Account warning of potential account closure
• If You do not respond or access the Service within thirty (30) days of such notification, We may delete Your Account and all associated data

We encourage You to export any important data before extended periods of inactivity. This policy does not apply to paid subscription accounts in good standing.

Limitation of Liability

Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven’t purchased anything through the Service.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party’s liability will be limited to the greatest extent permitted by law.

Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with:

• Your access to or use of the Service
• Your violation of these Terms and Conditions
• Your violation of any third-party rights, including intellectual property, privacy, or publicity rights
• Any expense data, content, or information You submit to the Service
• Your use of bank account integration features
• Any dispute between You and other users regarding shared expenses or settlements
• Your negligence or willful misconduct

This indemnification obligation will survive the termination of Your Account and these Terms.

Financial Disclaimer

THE SERVICE IS A TOOL FOR TRACKING AND ORGANIZING EXPENSES. IT DOES NOT PROVIDE FINANCIAL, TAX, LEGAL, OR INVESTMENT ADVICE.

Nature of Expense Records

Expenses, balances, and settlement suggestions recorded in the Service are informal records intended to help You organize and track shared expenses. They do not constitute legally binding contracts, IOUs, or enforceable debt obligations. Any agreements regarding repayment or settlements between You and other users are solely between those parties and are not guaranteed or enforced by the Company.

You acknowledge and agree that:

• The Service is not a substitute for professional financial advice. You should consult qualified professionals (such as accountants, financial advisors, or tax professionals) for financial decisions.
• We do not guarantee the accuracy of exchange rates, currency conversions, or expense calculations. Exchange rates are provided for informational purposes only and may not reflect real-time market rates.
• Settlement calculations and expense allocations are provided as suggestions only. You are responsible for verifying all amounts with other participants in shared expenses.
• We are not responsible for any financial decisions You make based on information provided by the Service.
• Data imported from bank accounts via Plaid may contain errors or omissions. You should verify all transaction data against Your official bank statements.

“AS IS” and “AS AVAILABLE” Disclaimer

The Service is provided to You “AS IS” and “AS AVAILABLE” and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

Without limiting the foregoing, neither the Company nor any of the company’s provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

Governing Law

The laws of the Country, excluding its conflicts of law rules, shall govern this Terms and Your use of the Service. Your use of the Application may also be subject to other local, state, national, or international laws.

Disputes Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

For European Union (EU) Users

If You are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which You are resident.

United States Legal Compliance

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a “terrorist supporting” country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

Severability and Waiver

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party’s ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.

Translation Interpretation

These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.

Changes to These Terms and Conditions

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.

Contact Us

If you have any questions about these Terms and Conditions, You can contact us:

• By email: contact@tabello.io