Privacy Policy

Last Updated: May 5, 2026

TableCash LLC (“TableCash”, “we”, “our”, or “us”) operates a mobile application that enables users to pool real money with others. This Privacy Policy explains how we collect, use, disclose, and safeguard your information.

1. Information We Collect

Identity Information

  • Phone Number — Required for account creation and authentication via SMS verification
  • User ID — A unique identifier assigned to your account
  • Identity Verification Data — When required for regulatory compliance, we may collect government ID, name, date of birth, and address through our payment processor

Financial Information

  • Payment Methods — Credit/debit card details, bank account information (collected and stored by Stripe, not by us)
  • Transaction History — Contributions, settlements, and payouts within tables
  • Account Balances — Funds held in your tables

Security Information

  • Two-Factor Authentication (2FA) — If you enable 2FA, we store a TOTP secret key used to generate verification codes. This is stored encrypted and is required for withdrawals and sensitive account actions.

Table Data

  • Table Memberships — Which tables you create or join
  • Table Names — Names assigned to tables
  • Table Purpose — The stated purpose for each table
  • Member Relationships — Your role (creator/member) in tables
  • Transaction Notes — Optional notes you add to transactions

Device Information

  • Device Type — iOS or Android
  • App Version — Version of TableCash installed

2. How We Use Your Information

We use collected information to:

  • Authenticate your identity via phone number verification
  • Process financial transactions — Contributions and creator payouts via Stripe
  • Comply with regulations — KYC (Know Your Customer), AML (Anti-Money Laundering), and tax reporting requirements
  • Provide core functionality — Create tables, collect contributions, manage members
  • Prevent fraud — Monitor for suspicious activity
  • Sync data across your devices

We do NOT use your data for advertising or sell it to third parties.

3. Payment Processing

Stripe

All payment processing is handled by Stripe, Inc. (“Stripe”). When you contribute to a table or a creator withdraws funds:

  • Your payment information is collected directly by Stripe
  • Stripe is a licensed money transmitter and handles fund custody
  • Your funds are held in Stripe’s regulated accounts, not ours
  • See Stripe’s privacy policy: https://stripe.com/privacy

Fund Custody

TableCash does not hold, possess, or control your funds. All funds are held by Stripe Payments Company (SPC), a U.S. state-licensed money transmitter and federally registered money services business, on behalf of the Table Creator.

4. Data Storage and Security

Storage

Your data is stored securely using:

  • Supabase — PostgreSQL-based backend with encryption at rest (AES-256) and in transit (TLS 1.3)
  • Stripe — PCI-DSS Level 1 compliant payment processing
  • Row-level security policies — Ensuring data isolation

Data Location

Data is processed and stored in secure data centers in the United States.

Retention

  • Active accounts — Data retained while your account is active
  • Closed accounts — Transaction records retained for 7 years for regulatory compliance
  • Deleted accounts — Personal data (except legally required records) deleted within 30 days

5. Data Sharing

We Share Data With:

  • Table Members — Other members can see table balances and transaction activity within shared tables
  • Stripe — Payment processing, identity verification, and fund custody
  • Regulatory Authorities — When required by law (e.g., tax reporting, subpoenas, AML compliance)
  • Service Providers — Supabase (database hosting), bound by data processing agreements

We Do NOT:

  • Sell your personal information to third parties
  • Share data with advertisers
  • Use your data for marketing without explicit consent
  • Share your full phone number with other users (only last 4 digits visible)

6. Your Rights

Access Your Data

Export all your personal data directly from the app: Profile > Export My Data.

Delete Your Account

Delete your account at any time through Profile > Delete Account. This permanently removes:

  • Your user profile
  • Your table memberships
  • Access to shared tables

Note: Transaction records may be retained for regulatory compliance.

Data Portability

Your data export is provided in a human-readable format.

Withdraw Consent

You may stop using the app and request account deletion at any time.

7. Regulatory Compliance

Know Your Customer (KYC)

For certain transaction thresholds or activities, we may require identity verification through Stripe Identity to comply with financial regulations.

Anti-Money Laundering (AML)

We monitor transactions for suspicious activity as required by law. Suspicious activity may be reported to relevant authorities.

Tax Reporting

We may issue tax forms (e.g., 1099-K) as required by the IRS for users who exceed reporting thresholds.

8. Children’s Privacy

TableCash is not intended for users under 18 years of age. We do not knowingly collect information from minors. Financial services require users to be legal adults.

9. Third-Party Services

Stripe

Supabase

10. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes through:

  • In-app notifications
  • Email (if provided)
  • Updated “Last Modified” date

Continued use after changes constitutes acceptance of the updated policy.

11. California Privacy Rights (CCPA)

California residents have additional rights:

  • Right to know what personal information is collected
  • Right to delete personal information (subject to regulatory retention requirements)
  • Right to opt-out of sale of personal information (we do not sell data)
  • Right to non-discrimination for exercising privacy rights

12. International Users

TableCash is currently available only in the United States. If you access the app from outside the US, you consent to the transfer and processing of your data in the United States.

13. Contact Us

For privacy-related inquiries:

Email: support@tablecash.com

Response Time: We aim to respond within 48 hours.

By using TableCash, you acknowledge that you have read and understood this Privacy Policy.

Copyright 2026 TableCash LLC. All rights reserved.