Terms of Service

Last Updated: May 5, 2026

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.

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 send funds directly to the table via bank transfer (ACH) or card
The Table Creator controls all distributions from the table
All table members can see the balance and transaction history
Tables have a maximum lifespan of 90 days, after which remaining funds are returned to the Table Creator

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 collection agent for the Table Creator, receiving and holding funds on their behalf pending the Creator’s instructions for distribution.
All distributions from a table are made at the sole direction of the Table Creator, including via automated rules set by the Creator (e.g., withdrawal permissions, limits, matching).
TableCash does not exercise independent control or discretion over table funds. We execute the Table Creator’s instructions.

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

Requirements

To use TableCash, you must:

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

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

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.com

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

Contributions

Contributions are payments made directly to a table for its stated purpose
Contributions are processed by Stripe via card, Apple Pay, or bank transfer (ACH)
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. Once a contribution is successfully processed, it cannot be reversed through TableCash. The Table Creator may, at their sole discretion, issue a refund to a contributor. TableCash does not mediate refund requests.

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.

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.
Minimum payout: $1.00
Creator payouts reduce the table’s available balance

Fee Schedule

Transaction	Fee
Contribution (card / Apple Pay)	Free
Creator Payout (standard, 2-3 business days)	Free
Creator Payout (instant, ~30 minutes)	5% + $1.50 (min $2.00)

Contributors are never charged fees. Payout fees are deducted from the withdrawal amount and displayed before confirmation. We reserve the right to modify fees with 30 days notice.

Table Expiration

Tables have a maximum lifespan of 90 days from creation
Upon expiration, any remaining balance is automatically distributed to the Table Creator’s linked bank account
Members are notified 7 days and 1 day before a table expires

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

Chargebacks & Disputes

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

Your account will be immediately frozen and your balance debited for the disputed amount
Your balance may become negative as a result, which you are responsible for repaying
All associated identifiers (email, phone number, device) will be permanently banned from 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.com before filing a dispute with your bank.

Funds Availability

Deposits are generally available in your 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

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 permissions: contribution limits, distribution permissions, matching rules
May transfer Creator status to another member
Receive any remaining funds when the table expires
Are responsible for using collected funds in accordance with the stated purpose

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

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

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

Disputes Between Members

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.com

7. Acceptable Use

You Agree To:

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

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.

9. Creator Chargeback Liability

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 personally liable for the deficit
TableCash may debit your Connected Account, withhold future payouts, or pursue legal remedies to recover chargeback losses
Multiple chargebacks may result in Stripe terminating your Connected Account, which would prevent you from receiving any further contributions

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

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 if chargeback rate exceeds 1% of transactions

10. Platform Freeze Authority

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)

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

Resolution

We will investigate frozen accounts within 5 business days
You may contact support@tablecash.com 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

11. Duplicate Funds and System Errors

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

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

12. Intellectual Property

Our Property

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

Feedback

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

13. Disclaimers

“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

No Financial Advice

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

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

Service Availability

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

14. 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.

15. 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

16. Termination

By You

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

Withdraw any funds from tables you own
Leave tables you are a member of
Settle any outstanding obligations

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

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 9 (Creator Chargeback Liability), Section 11 (Duplicate Funds and System Errors), Section 12 (Intellectual Property), Section 13 (Disclaimers), Section 14 (Limitation of Liability), Section 15 (Indemnification), Section 17 (Governing Law and Disputes, including Arbitration and Class Action Waiver), and Section 19 (General Provisions)

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

17. Governing Law and Disputes

Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles.

Informal Resolution

Before filing any claim, contact us at support@tablecash.com. We will attempt to resolve disputes informally within 30 days.

Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Any dispute arising from these Terms or your use of TableCash shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, except that you may bring claims in small claims court if eligible.

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 OR REPRESENTATIVE PROCEEDING.

Opt-Out

You may opt out of the arbitration agreement by sending written notice to support@tablecash.com within 30 days of first using the app.

18. 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.

19. General Provisions

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

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

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

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

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.

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.

20. Contact

For questions about these Terms:

Email: support@tablecash.com

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

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