Terms of Service

Effective date: October 23, 2026

These Terms of Service (the “Terms”) govern your access to and use of the websites, applications, products, and services operated by Tab Computing (“Tab Computing”, “we”, “us”, or “our”), operated by Thomas Sawyer. This includes tabcomputing.com and our individual product sites and applications (each a “Product”, and together the “Services”). By using the Services or making a purchase, you agree to these Terms.

1. Who these Terms cover

These Terms apply across all of our Products. An individual Product may present additional, product-specific terms — for example, the description of what you are buying, and that Product’s refund policy — at the point of sale or within the Product. Where product-specific terms conflict with these Terms on a matter they address, the product-specific terms control for that Product.

2. Eligibility and accounts

• You must be at least 18 years old, or the age of majority where you live, to make a purchase.
• Some Products require an account, created and verified by email (a one-time sign-in link). You are responsible for keeping access to your email secure and for activity under your account.
• You agree to provide accurate information and to keep it current.

3. Purchases, pricing, and payment

• Some Products sell digital goods and services — for example, in-product credits or coins. Prices, quantities, and what you receive are shown at checkout before you pay.
• Payments are processed by Stripe. By completing a purchase you authorize Tab Computing, through Stripe, to charge your selected payment method for the amount shown, including any applicable taxes. We do not receive or store your full card details.
• Prices are in U.S. dollars unless stated otherwise. You are responsible for any taxes not collected at checkout.
• We may change prices and offerings at any time; changes do not affect purchases already completed.

4. Digital goods and delivery

• Digital goods (such as credits or coins) are delivered electronically, normally credited to your account immediately after payment is confirmed.
• Digital goods are a limited license to use features within a Product. They have no cash value, are not your property, cannot be exchanged for money, and are not transferable except as a Product expressly allows.
• If a payment is reversed, charged back, or refunded, we may remove the corresponding digital goods and suspend access until the matter is resolved.

5. Refunds

Because digital goods are delivered immediately, they are generally non-refundable once delivered, except where required by law or where a purchase was made in error (for example, a duplicate or clearly mistaken charge). Each Product’s own refund policy, shown at the point of sale, governs the specifics for that Product. To request a refund or report a billing problem, contact us at contact@tabcomputing.com and include the account email and the date of the charge.

6. Acceptable use

You agree not to: use the Services for any unlawful purpose; attempt to gain unauthorized access to the Services or other users’ data; interfere with, overload, or disrupt the Services; probe or circumvent security or usage limits; resell or exploit the Services except as expressly permitted; or use the Services to generate, store, or transmit unlawful, infringing, or harmful content. We may suspend or terminate access for conduct that violates these Terms or that we reasonably believe harms the Services or others.

7. Intellectual property

The Services, including their software, text, graphics, and other content (other than content you provide), are owned by Tab Computing or its licensors and are protected by law. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for their intended purpose. You retain your rights in content you submit, and you grant us the rights needed to operate and provide the Services.

8. Third-party services

The Services rely on third parties — including Stripe (payments), and providers of email delivery, AI processing, and hosting. Your use of features that depend on them may also be subject to those providers’ terms, and information is shared with them only as needed to provide the Services. See our Privacy Policy.

9. Disclaimers

The Services are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or secure. AI-generated output may be inaccurate and is not professional advice.

10. Limitation of liability

To the fullest extent permitted by law, Tab Computing will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, profits, or goodwill. Our total liability for any claim relating to the Services will not exceed the greater of the amount you paid us for the Services in the three (3) months before the claim, or USD $50.

11. Changes

We may update these Terms from time to time. When we do, we will revise the effective date above, and material changes take effect when posted. Your continued use of the Services after a change means you accept the updated Terms.

12. Termination

You may stop using the Services at any time. We may suspend or end your access if you violate these Terms or to protect the Services. Sections that by their nature should survive termination (such as payment obligations, intellectual property, disclaimers, and limitation of liability) will survive.

13. Governing law and disputes

These Terms are governed by the laws of the State of Florida, United States, without regard to conflict-of-law rules. Before filing any formal claim, you agree to first contact us at contact@tabcomputing.com so we can try to resolve the matter informally. The courts located in Florida will have exclusive jurisdiction over any dispute not resolved informally, and you consent to their jurisdiction.

14. Contact

Questions about these Terms: contact@tabcomputing.com.