Terms of Service

Effective from: 6 November 2026

These terms are the agreement between you and us for using Tabs. Please read them. If you don't agree, don't use Tabs.

Some parts limit what we are responsible for. They are in bold in section 14. Please read that section in particular.

1. Who we are

Tabs is run by Tabs HQ Software Solutions Ltd, a company registered in Nigeria with RC number 8322949, whose registered address is 20, Road 7 Close, Bashorun Housing Estate, Akobo, Ibadan, Oyo State, Nigeria. In these terms, "we", "us" and "Tabs" mean that company.

"You" means the person who signs up and, where they sign up for a business, that business too. The person who creates a business in Tabs is its owner. People the owner invites are members.

You can reach us at hello@usetabs.app.

2. What Tabs is

Tabs is software for running shops: stock, orders, stores, suppliers, customers, staff, roles and a record of who did what. It runs in a web browser at platform.usetabs.app and as desktop apps for Mac and Windows, which you can download at usetabs.app/download. The desktop apps update themselves when a new version is out.

Tabs records the sales and payments you take. What your customers pay you by cash, transfer or POS goes to you directly, outside Tabs.

Payments through Paystack. You can connect Paystack, so that customers can pay an order by card or bank transfer through Paystack, from their own phone, by a payment link or a QR code. These payments are made through our Paystack account, and Paystack pays them into the bank account you gave when you connected it. Tabs keeps none of that money. The customer pays Paystack's fee on top, so you receive the whole amount of the order. A Paystack payment an order no longer owes, for example on an order cancelled after it was paid, is yours to give back to the payer, from what you were paid: Tabs marks it to give back and reminds the owner each day until you mark it returned. Payments are in naira only. Paystack's own terms also apply to these payments.

If a customer disputes a Paystack payment with their bank (a chargeback), Paystack raises it with us. We pass it on to you: the owner is told in Tabs and by email, and the order's payment shows it. You answer it with your records of the sale, such as the receipt, proof that the customer collected or received it and your messages with them, and we send your answer to Paystack. If the dispute goes against you, the amount goes back to the customer, and you agree to pay us back anything Paystack takes from us for it.

The charge shows on the customer's statement and Paystack's receipt under our Paystack business name, TabsHQ, not your business's name. To help customers recognise it, Tabs emails the payer a receipt once a Paystack payment settles, naming your business and store, the items, the amount and how to reach you. Disputes count against our Paystack account, so if a business has 3 or more disputes in 90 days, and they are at least 1% of its Paystack payments in that time, Tabs pauses its Paystack: customers can't pay its orders through Paystack, and payments already started may not settle to the business while it is paused. The owner is told. Only we can lift the pause: contact us at hello@usetabs.app.

Payments on a Moniepoint terminal. You can connect your own Moniepoint business account to Tabs, with an API client you make in your Moniepoint dashboard, and add the terminals your stores take payments on. Tabs then sends an order's balance to the terminal you choose, your customer pays there by card or transfer, and Tabs records the payment once Moniepoint confirms it. The payment is between your customer, you and Moniepoint: it settles into your Moniepoint account under your own agreement with Moniepoint, and Moniepoint's fee comes out of it there. Tabs is not a party to it and never holds that money. A payment not made within 24 hours is closed. Moniepoint can't refund through Tabs, so if a customer pays on a terminal for an order that no longer owes it, for example one cancelled or already paid, Tabs marks the payment for you to give back and tells the owner, and you give the money back yourself. Tabs reminds the owner once a day until someone in your business marks it as given back, with how it was returned. Payments are in naira only. Questions about a terminal payment, and disputes about it, are between you and Moniepoint.

Deliveries with a delivery company. Where Tabs offers a delivery company, Dreacot (Dreacot Delivery Limited) or Fez (Fez Delivery Co.), and you switch it on in Integrations, you can book it to take an order's batch, a transfer between your stores, a reseller's order or a purchase collected from your supplier. Tabs books the delivery on our own account with the delivery company and pays them. You pay us in TABS credits, at the price shown before you book, and the credits are taken when the delivery is booked. To book, Tabs sends the delivery company the pickup and drop-off addresses, the recipient's name and phone, an email address (for Dreacot, the customer's, else the store's, else the owner's; for Fez, the customer's when they have one) and the batch's number, and sends Fez the parcel's value, weight and description too. Tabs then shows the delivery's progress and the rider's name and phone. You can cancel a delivery in Tabs until it is picked up; after that, it can't be cancelled. If a delivery is cancelled before it is collected, its credits are given back, and the delivery fee it added to an order comes off. Once it has been collected, they aren't. You can report a problem with a delivery to us from Tabs. Goods lost or damaged on a delivery are the delivery company's responsibility, under its own terms (Dreacot's, Fez's), not ours.

Apart from that, the only money Tabs takes is your own subscription, and any TABS credits you buy (section 8).

What each plan includes is shown on our pricing page at usetabs.app/pricing. We add, change and sometimes remove features over time. If we remove something that is a main part of your plan, we will tell owners by email first.

3. Who can use Tabs

You must be at least 18 years old and able to enter a binding contract. If you sign up for a business, you confirm you are allowed to act for it.

4. Your account

You sign up with an email address and a password, or with your Google account, which Google's own terms cover, and you sign in the same way. Keep your sign-in details to yourself. Each person should have their own account; don't share one. You can turn on two-step sign-in, and we recommend it.

Tell us at once at hello@usetabs.app if you think someone else has got into your account. You are responsible for what happens under your account until you tell us.

Give us true and current details, and keep them up to date.

5. Owners, members and roles

The owner controls the business in Tabs. The owner invites members and gives each a role. A role decides what that person can see and do. Tabs comes with built-in roles, and you can make your own custom roles, up to your plan's limit.

Only the owner can see and manage the subscription: choosing a plan, paying, changing plans and cancelling. No role can be given this.

Connecting Paystack or Moniepoint, and choosing the bank account Paystack pays into and the terminals Moniepoint uses, can be given to a role. Switching a delivery company on, and booking and cancelling deliveries, which spends and gives back the business's credits, can also be given to a role. So can making a task from a chat message, which Tabs fills in for the business's credits (section 8); someone whose role can't manage tasks can still make one for themselves. The owner is responsible for who is given it.

The owner is responsible for who they invite and what each role allows. If a member does something in Tabs, as far as we are concerned it was done for the business.

6. Free trial

Each account gets one 30 day free trial, with the first business it makes. You don't need a card to start. A business made after that, by an account that has already had its trial, gets no trial: it is read-only, as below, from the start until it is paid for. An account that owns or has owned a business has had its trial.

If you pay during the trial, you lose none of it: your first paid month or year starts when the trial ends.

If the trial ends and you haven't paid, the business becomes read-only. Everyone in it can still open and read what their role allows, but nothing can be added, changed or deleted, chat messages can't be sent, and reports, Insights and the features that use artificial intelligence, such as photo scans, are closed. The owner can still open the billing pages and pay. Nothing is deleted. Once you pay, everything is as you left it.

7. Plans, prices and limits

Our current plans and their monthly and yearly prices, in naira, are on usetabs.app/pricing. For a business that needs more than our largest plan, we agree a custom price with you.

Every plan has limits, including on the number of people, products, stores, custom roles and resellers, on how far back the Activity log, reports and Insights show, and on how many products you can scan from a photo each month. Invitations not yet accepted count toward the number of people. Records older than your plan shows are hidden, not deleted. If you reach a limit, you can't add more until you move to a larger plan or remove something.

8. Paying and renewal

When you pay by card, your subscription renews automatically at the end of each billing period, every month or every year depending on what you chose, until you cancel it. At each renewal we charge the card you paid with, through our payment provider Paystack, under Paystack's terms. A monthly plan is paid by card. A yearly plan can be paid by card or by bank transfer. A year paid by bank transfer doesn't renew by itself: we remind the owner before the year ends, and if the next year isn't paid for, the business becomes read-only at the end of the year (section 6) until you pay. Nothing is deleted. You'll see the date of the next charge on your billing page. On a yearly plan paid by card, we also remind the owner by email and in Tabs 14 days and 3 days before the renewal charge. A year paid by bank transfer gets its reminders 7 days and 1 day before it ends. We don't see or store your full card number; Paystack does.

Only the owner can pay. Prices are in naira, as shown at usetabs.app/pricing, and don't include VAT. Paystack's fee, for a card or a bank transfer, is added to the price at checkout, and you see the full amount before you pay. If we become required to charge VAT, we will add it at the legal rate and tell owners at least 30 days before.

Changing plans. You can't move to a smaller plan while your business has more people, products, stores, custom roles or resellers than that plan allows. How a change applies depends on how you pay:

• On a monthly plan, a new plan and its limits apply at once. We don't charge or refund anything for the part of the month already used. Your next charge is at the new plan's price.
• Moving up on a yearly plan applies at once. We charge the card you pay with for the difference between the two yearly prices, for the part of the year that is left, with Paystack's fee added. A small amount is not charged. Your year still ends on the same date. If the card is declined, nothing changes. A year paid by bank transfer can't move up during the year, as there is no card to charge, and a plan with a payment overdue can't move up until that payment is made.
• Moving down on a yearly plan, and switching between monthly and yearly, wait for the end of the month or year you have paid for. Until then you keep your plan, but your business can't grow past the smaller plan's limits. Nothing is charged or refunded for the change, and you can undo it on your billing page before it applies. Cancelling also undoes it, and while a plan is cancelled, no change can be set for the renewal until you undo the cancellation.

Photo scans and TABS credits. Each plan includes a number of photo scans each month, and the free trial includes a number for the whole trial, as shown at usetabs.app/pricing. A photo of one product uses one scan. A photo of a list or a shelf, read as many products at once, uses three, all from your plan's scans or all from credits, never split between them. From credits, a product photo takes a quarter of a credit and a photo of a list or a shelf three quarters. A scan counts only when Tabs recognises a product in the photo. Scans a month doesn't use don't carry over, and the trial's scans don't count against your first paid month. If you change plans during a month, the new plan's number applies at once, counted against the scans already used that month; if you have used more than the new number, further scans come from credits. A custom plan has no limit on scans. The owner can buy TABS credits, on a paid plan or during the free trial, in packs, or any whole number of credits from 25, at the prices shown when you buy. Credits pay for photo scans, once your plan's scans are used, for deliveries (section 2), where a delivery takes one credit for each ₦18 of its price, rounded up, shown when you book, and for tasks made from a chat message: Tabs reads the message and the chat around it and fills in the task, for a quarter of a credit, taken from credits only and only when Tabs fills it in. With less than a quarter of a credit, Tabs doesn't fill it in. Tabs fills in at most 50 tasks a day for a business, and 10 a day for someone whose role can't manage tasks. Credits are bought by card or bank transfer through Paystack, with Paystack's fee added at checkout. For scans, your plan's scans are used first, then credits. Credits don't expire, belong to the business they were bought for, and can't be moved to another business or exchanged for money. While a business is read-only, its credits can't be used; they work again once it is paid for. When a deleted business is erased, its unused credits are erased with it. Credits used on a photo Tabs can't recognise are given back, exactly as many as it took. Tabs reads the photo, and the chat for a task, with an artificial intelligence model through OpenRouter (OpenRouter's privacy policy), and our Privacy Policy says what is sent and kept. What Tabs suggests from a photo or a chat is a suggestion: check it before you save the product or the task.

Referrals. Anyone in a business can share its referral link from Tabs. When someone opens the link, makes a new Tabs account and makes their first business with it, and that business pays for its subscription for the first time, the business that shared the link gets 100 TABS credits and the new business gets 50. A business gets credits for at most 20 referrals in any twelve months; past that, the new business still gets its 50. Only a new account's first business counts, and a link used for a business whose owner already owns or works in the business that shared it earns nothing. Nothing is given before that first payment. Referral credits are TABS credits like any others and follow the rest of this section and section 9: they don't expire, belong to the business they were given to, and can't be moved or exchanged for money. Anyone who opens a referral link sees the name of the business that shared it. If we find referrals that were made up or abused, such as accounts made only to collect credits, we may take those credits back or stop a business's referrals. We may change or end referrals at any time; credits already given stay.

Price changes. If we change the price of your plan, we email the owner at least 30 days before the new price applies. The new price applies to charges from that date. A year already paid for is never charged again at a new price: on a yearly plan, the new price applies from your first yearly renewal on or after that date. If you don't want to pay it, cancel before then.

If a charge fails. If a renewal charge doesn't go through, your business keeps working for about 72 hours while you sort out payment. After that, it becomes read-only in the same way as an unpaid trial (section 6) until you pay. Nothing is deleted.

9. Cancelling and refunds

The owner can cancel at any time from the billing page. After you cancel:

• we won't charge your card again;
• you keep full use of Tabs until the end of the month or year you've paid for;
• we don't refund the month or year you're in;
• you can undo the cancellation before it ends, at no charge.

When the paid period ends, the business becomes read-only as described in section 6. Your records are kept (see section 13).

We don't give refunds. Fees and TABS credits you have bought are not refunded, in full or in part, when you cancel, change plan or stop using Tabs. Credits for a delivery cancelled before it is collected are given back as credits. Nothing in these terms takes away a right to a refund you have under Nigerian law.

10. Your data belongs to you

Everything you and your members put into Tabs, such as products, prices, orders, customers, staff details, messages and files, is your data. It belongs to you, not to us.

You give us permission to store, copy, process and show your data only so we can run Tabs for you, keep it secure, fix problems and meet the law. We don't sell your data, and we don't use it for advertising.

When you put details of other people into Tabs, such as your staff, customers, suppliers, couriers or resellers, you are responsible for having the right to do so and for telling them as the law requires. Our Data Processing Addendum sets out how we handle that data for you, and it forms part of these terms. Our Privacy Policy explains how we handle the personal data we are responsible for ourselves.

Getting a copy of your data. In most lists in Tabs you can select rows and download them as a CSV file. For a fuller copy of your business's records, the owner can email hello@usetabs.app and we will send one as CSV files within 30 days.

Bringing your data in. You can import products from a file, by pasting them, or from a Google Sheet by its link. For a link, the sheet must be shared with anyone who has the link, so anyone with that link can open it; Tabs downloads it to read it, as it would a file you upload. When Tabs can't tell what some of a sheet's columns are, it may ask an artificial intelligence model through OpenRouter, sending only each column's heading and a few of its values (Privacy Policy, section 5). Its matches are suggestions: check them before you import.

Tax on your own sales is yours. Tabs can add VAT to your sales at the rate you set for your business. Whether you charge VAT, at what rate, and filing and paying it to the tax authority are your business's responsibility, not ours. The same goes for any other tax on what you sell.

11. How you may use Tabs

Use Tabs only for running a lawful business. You must not:

• break any law, or use Tabs for fraud, or to record or sell stolen goods;
• put in data you have no right to hold, or use Tabs to harass anyone;
• try to get into another business's data, or anything in Tabs your role doesn't allow;
• test, probe or break our security, or get round plan limits;
• upload viruses or harmful code, or overload Tabs on purpose;
• copy, resell or rent Tabs, or take its code apart, except where the law allows;
• use automated tools to pull data from Tabs, other than in ways we offer.

12. Our software and name

Tabs, its software, design and name belong to us or the people we license them from. We give you a right to use Tabs while your subscription is active, for your business, under these terms. You can't transfer that right. Nothing else passes to you.

If you send us ideas or feedback, we may use them without paying you.

13. Suspending, closing and what happens to your data

You can stop using Tabs at any time. The owner can delete a business. Anyone can delete their own account in their settings, with these points:

• An owner can't delete their account while they own a business that has other members. They must delete that business or remove its members first.
• Deleting your account takes effect at once and can't be undone. We remove your email address, password, phone number, sex, picture, two-step sign-in settings, and the internet address and device details of your past sign-ins. We keep your first and last name, so the businesses you worked in can still see who did what in their records.
• If you are the only member of a business, deleting your account deletes that business too.

We may suspend or close a business or an account if you seriously or repeatedly break these terms, if you don't pay, if the law requires it, or if it is needed to protect Tabs or other users. Except where the law or the risk means we can't, we will tell the owner first by email and give a chance to put things right.

What happens to records. When a business is deleted or closed, it disappears from Tabs, and its records are kept on our systems for one month, then erased, except where the law requires us to keep them. Before a business is deleted, the owner can ask for a copy of its data (section 10). Our Privacy Policy has the detail.

14. Availability and our responsibility

We work to keep Tabs running and your data safe, but we don't promise Tabs will always be available or free of errors. It may stop for maintenance, updates, or problems with the internet or our providers. Where we can, we will warn you of planned maintenance.

Tabs helps you keep records. It is not accounting, tax or legal advice. You are responsible for checking your figures and for meeting the laws that apply to your business.

Except as set out below, and as far as Nigerian law allows:

• we are not responsible for loss of profit, sales, business or goodwill, or for any indirect loss;
• our total responsibility to you for anything arising from these terms or Tabs, in any 12 months, is limited to the fees you paid us in the 12 months before the claim.

Nothing in these terms limits our responsibility for death or personal injury caused by our negligence, for fraud, for our breach of data protection law, or for anything else the law does not allow us to limit. Nothing takes away your rights under the Federal Competition and Consumer Protection Act 2018 where it applies to you.

15. Your responsibility to us

If someone makes a claim against us because of data you put into Tabs without the right to, or because you used Tabs in breach of section 11 or the law, you will cover our reasonable losses and costs from that claim. We will tell you promptly about the claim and let you take part in dealing with it.

16. Changes to these terms

We may update these terms. If a change matters, we will email owners at least 30 days before it applies, and show the date at the top of this page. If you don't agree with a change, you can cancel before it applies. Using Tabs after that date means you accept the new terms.

17. The law and disagreements

These terms are governed by the laws of the Federal Republic of Nigeria.

If you have a complaint, email hello@usetabs.app first, with enough detail for us to look into it. We will let you know we have it, and we will try to resolve it as quickly as we can. How long that takes depends on the issue, so we can't promise a fixed time, but we will keep you told how it is going.

Before either side starts a court case, we both agree to try in good faith to settle the disagreement between us for at least 30 days from the day the complaint reached us. This doesn't stop either side asking a court for urgent help at any time, for example to protect data or stop misuse of Tabs. If the disagreement still isn't settled, the courts of the Federal Republic of Nigeria will decide it.

18. General

• These terms, the Privacy Policy, the Data Processing Addendum and anything shown on our pricing page make up the whole agreement between us.
• If a court finds part of these terms can't be enforced, the rest still applies.
• If we don't enforce a right at once, we haven't given it up.
• We may transfer this agreement to a company that takes over Tabs, and will tell you if we do. You can't transfer it without our written agreement.
• We aren't responsible for delays caused by events outside our reasonable control.

19. Contact

Tabs HQ Software Solutions Ltd 20, Road 7 Close, Bashorun Housing Estate, Akobo, Ibadan, Oyo State, Nigeria Email: hello@usetabs.app

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