Terms of Service

Last Updated: 2026-06-29

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.

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 the payment processing and fund custody services provided through TableCash. 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 with respect to payment processing and fund custody matters.

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 or Apple Pay
  • The Table Creator controls all distributions from the table
  • All table members can see the balance and transaction history
  • Tables do not expire. A table with no activity for 150 days becomes dormant (it stops accepting new chip-ins and leaves the active list); no money moves, the money stays in the Creator's account, and the Creator can reactivate the table or cash out at any time

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. Funds are held by Stripe Payments Company (a licensed money services provider) in the Creator's Stripe Connected Account, not by TableCash, pending the Creator's instructions for distribution.
  • 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 exercise independent control or discretion over table funds. We execute the Table Creator's instructions.

2.3 Important Disclosures

  • Real Money: TableCash involves real U.S. dollars. Contributions and distributions are actual financial transactions.
  • Fund Custody: Funds are held by Stripe Payments Company (SPC), a licensed money services provider, on behalf of the Table Creator. TableCash does not hold, possess, or control your funds.
  • 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. Funds held in Stripe Connected Accounts are 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
  • Not be a resident of New York (TableCash is not currently available to New York residents)
  • Have a valid phone number
  • Be capable of entering into a binding contract
  • Not be prohibited from using financial services under applicable law

TableCash is not currently available to residents of New York. We may add or remove states from availability 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.

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 or Apple Pay
  • Funds are credited to the table upon successful payment
  • Minimum contribution: $1.00. Maximum table balance: $10,000 (default $2,500). 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 Table Creator may, at their sole discretion, issue a refund to a contributor. TableCash does not mediate refund requests between contributors and creators. However, TableCash reserves the right to refund a contribution at any time if required by fraud detection, regulatory compliance, or a payment dispute.

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 marks the settlement as completed in the app, and the table's ledger balance is updated accordingly
  • 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 withdraw funds from their own Stripe Connected Account to their linked bank account:

  • All creator payouts require the Creator to initiate the withdrawal
  • Processing time: Standard (2-3 business days) or Instant (within 30 minutes). See Fee Schedule below for rates.
  • Instant payouts unlock 30 days after account creation, or 7 days for ID-verified accounts (a fraud-prevention measure). Standard payouts are available from day one.
  • Minimum payout: $1.00
  • Creator payouts reduce the table's available balance

5.3A Contribution Hold Period

Each chip-in is subject to a hold period before those specific funds become available for cash out. The hold begins when the chip-in is received, not when the Creator requests a withdrawal:

  • Unverified accounts: 7-day hold per chip-in
  • ID-verified accounts: 2-day hold per chip-in

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 immediate cash out. Once the hold clears, the Creator may withdraw via standard transfer (2-3 business days) or instant transfer (~30 minutes). 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

TransactionFee
Contribution (card / Apple Pay)3% + $0.79 card processing fee, added on top
Optional round-up tip on contributionYour card total rounds up to the next whole dollar; the difference (less than $1.00) is a tip to TableCash. Optional — you can turn it off before paying.
Creator Payout (standard, 2-3 business days)Free
Creator Payout (instant, ~30 minutes)5% + $1.50 (min $2.00)

The contribution fee is added on top of your contribution: the table receives your full contribution amount, and your card is charged the contribution plus the fee (plus the round-up tip, if you leave it on). The exact card total is displayed before you confirm. Payout fees are deducted from the withdrawal amount and displayed before confirmation. We reserve the right to modify fees with 30 days notice.

5.5 Table Dormancy

  • Tables do not expire and are never closed on a timer
  • A table with no activity for 150 days becomes dormant: it stops accepting new chip-ins and is moved out of the active list
  • Going dormant moves no money. Any balance stays in the Table Creator's Stripe Connected Account, and the Creator can cash out at any time — whether the table is active or dormant
  • The Table Creator can reactivate a dormant table at any time, which lets members chip in again
  • We notify the Creator before a table becomes dormant so there is time to reactivate it
  • A table can only be deleted when its balance is $0; a table holding money can never be deleted

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
  • 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 (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 funds in your table until you are confident a contribution will not be disputed.

5.8 Funds Availability

  • 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 funds are released
  • We may freeze funds if required by law, regulation, or to protect users from fraud

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 collected funds in accordance with the stated purpose

6.2 Contributors (Table Members)

Contributors are participants who send funds to a table. Contributors:

  • Can view the table balance, stated purpose, and full transaction history
  • Can contribute funds 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 the use and distribution of table funds
  • 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 funds 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

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 charge (chargeback), Stripe will debit your Connected Account for the disputed amount plus any applicable fees
  • If your Connected Account has insufficient funds to cover a chargeback, you are responsible for covering the resulting deficit. TableCash will work with you in good faith to resolve any deficit, and will not pursue recovery against a Creator who acted honestly, cooperates with our review, and was not complicit in the disputed activity. We reserve the right to debit your Connected Account, withhold future payouts, or pursue legal remedies to recover deficits that arise from a Creator's own fraud, misuse of a table, violation of these Terms, or refusal to cooperate with our dispute review
  • 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
  • Provide refunds through TableCash when a contribution was made in error
  • Maintain accurate records of how funds were used in accordance with the table's stated purpose

8A.3 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
  • Debit the Creator's Connected Account for the full disputed amount plus Stripe's dispute fee
  • 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

During a freeze:

  • No new contributions can be made to frozen tables
  • No payouts or withdrawals can be initiated by frozen accounts
  • Existing pending payouts may be paused or reversed
  • Table members will be notified that the table is under review

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. Duplicate Funds and System Errors

8C.1 No Right to Erroneous Credits

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

  • You do not have any right or claim to such excess funds
  • 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 funds that were disbursed due to 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

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.

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
  • Funds will be returned per our standard procedures (minus any fees or amounts owed)
  • 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 (Duplicate Funds 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 Dormant Accounts

If your account has no login activity for 12 consecutive months, it will be considered dormant. Before taking any action:

  • We will attempt to notify you via email at least 30 days in advance
  • You may reactivate your account by logging in during the notice period
  • Remaining balances in dormant accounts are subject to applicable state unclaimed property (escheatment) laws
  • We may close dormant accounts and remit funds to the appropriate state authority as required by law

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.