Terms of Service

Version: 2.0 Effective date: 17 May 2026 Supersedes: version dated 16 May 2026

These Terms of Service (the "Terms") form a binding contract between TabbPay (the "Provider", "we", "us") and the legal or natural person operating a hospitality venue who creates a TabbPay account or accesses the Platform (the "Business Customer", "you", "your"). The Terms govern the Business Customer's use of the TabbPay platform, including the dashboard at dashboard.tabbpay.com, the application programming interfaces at api.tabbpay.com, the consumer-facing ordering experience at app.tabbpay.com accessed by the Business Customer's diners, and the TabbPay Staff application used by the Business Customer's employees (collectively, the "Platform").

By selecting the consent checkbox presented at sign-up and by accessing or using the Platform thereafter, the Business Customer represents that it has read, understood and agreed to these Terms.

These Terms are in addition to, and read together with, the Privacy Policy and the Cookie Policy, which form part of the contractual framework between the parties.

1. The Provider

The Provider is TabbPay, a company established under the laws of the Hellenic Republic.

Legal entity name, registered seat, General Commercial Registry (Γ.Ε.ΜΗ.) number and VAT identification number (ΑΦΜ) are to be inserted in the published version of these Terms prior to commercial release.

The Provider may be contacted on contractual, legal, and data-protection matters at privacy@tabbpay.com, and on subscription and billing matters at support@tabbpay.com.

2. The Platform

The Platform is a business-to-business software-as-a-service product that enables the Business Customer to (i) display its menu and accept orders from diners through a QR-code-driven interface, (ii) integrate with the Business Customer's point-of-sale system where supported, (iii) accept payment from diners through a regulated payment institution, and (iv) manage employees, shifts, tips and reviews from a dashboard.

The Platform is provided as a service over the public internet on a non-exclusive, revocable basis for the term of the subscription described below.

3. Eligibility and Capacity

The Business Customer represents and warrants that:

1. It is at least eighteen years of age and has the legal capacity to enter into a binding agreement;
2. It is acting in a commercial capacity as the owner, operator or duly authorised representative of one or more hospitality venues;
3. It has the authority to bind the organisation on whose behalf it accepts these Terms; and
4. It is established or trading in a jurisdiction in which use of the Platform is lawful.

The Platform is intended exclusively for commercial use. The provisions of Greek consumer protection law applying solely to consumers are not engaged.

4. Account and Organisation

Account creation is performed through Clerk, Inc. acting as the Provider's authentication sub-processor. The Business Customer must supply accurate, complete and current information, and must keep that information current throughout the subscription. Each account is personal to the natural person who creates it and may not be shared.

Each venue or operating entity managed on the Platform must be set up as a separate TabbPay organisation. The Business Customer is responsible for all activity that occurs under its organisation, including activity carried out by employees and contractors invited as Staff members.

The Business Customer must safeguard the confidentiality of its sign-in credentials and of any device PINs configured for its Staff members. The Provider must be notified at support@tabbpay.com without undue delay upon any actual or suspected compromise of account credentials.

5. Free Trial

The first organisation created by a Business Customer is entitled to a free trial of sixty (60) calendar days, computed from the date the organisation is created and stored as the value of subscription_trial_ends_at in the Provider's records.

The free trial is limited to one occurrence per organisation. The trial cannot be restarted, extended or re-issued once it has expired or once the corresponding subscription has been cancelled. The Provider's billing service enforces this limitation in code. Any attempt to circumvent the limit by creating additional organisations may, at the Provider's reasonable discretion, result in suspension or termination of all related accounts.

At the conclusion of the free trial the Business Customer is required to select a paid plan. If no plan has been selected, the Provider may suspend access to the Platform until a subscription is activated.

6. Subscription Plans, Pricing and Billing

6.1 Plans and prices

Prices are exclusive of Greek value-added tax. VAT at the applicable Greek rate is added to the invoice issued for each billing period.

6.2 Billing cycle

Subscriptions are billed monthly in advance. The recurring charge is initiated by an automated task that runs on the first day of each calendar month at 09:00 UTC and that bills every organisation whose paid subscription has fallen due. The recurring task is documented at apps/api/src/modules/payments/viva-recurring-billing.scheduler.ts.

6.3 Payment processor

The Provider operates on the Viva Wallet Independent Software Vendor ("ISV") programme. Subscription charges are processed by Viva Wallet Single Member S.A., the Provider's payment institution sub-processor, against the payment method registered by the Business Customer during onboarding. For Business Customers transitioning from earlier billing arrangements, subscription charges may be processed by Stripe Payments Europe Limited until the Business Customer is migrated to the Viva Wallet ISV flow.

The Provider does not access, process, store or have visibility of the Business Customer's primary account number, card-verification value or bank-account details. Those data are held exclusively by the relevant payment processor under its PCI-DSS Level 1 certification.

6.4 Failed payments and dunning

Where a scheduled subscription charge fails, the Provider attempts further charges on the 3rd, 7th and 14th day following the original due date. The dunning schedule is implemented at apps/api/src/modules/billing/dunning.scheduler.ts. After three failed retries the subscription is suspended on the 21st day. Suspension halts access to the Platform until the outstanding balance is settled. The Business Customer is notified by email at each step.

6.5 Platform fee

In addition to the subscription, the Provider applies a per-transaction platform fee of 0.50% by default to payments made by diners at the Business Customer's venue. The applicable rate is displayed in the Business Customer's dashboard and may be varied on prior written notice in accordance with Section 6.6 below.

6.6 Price and fee changes

The Provider will give the Business Customer at least thirty (30) days' written notice by email before any increase in subscription pricing or platform fee. The new rate applies from the start of the first billing period that begins after the notice period has elapsed. The Business Customer may cancel its subscription before the new rate takes effect, in which case Section 7 applies.

7. Cancellation and Refunds

The Business Customer may cancel its subscription at any time from within the dashboard or by writing to support@tabbpay.com.

Cancellation takes effect at the end of the then-current billing period. The Business Customer retains full access to the Platform until that date; no further subscription charges are made thereafter.

No refunds are issued in respect of subscription periods that have already commenced. Where the Business Customer pre-pays in advance of the billing date, the pre-payment is applied to the period to which it relates and is not refundable on cancellation.

Records relating to subscription transactions are retained for a period of six (6) years from the end of the fiscal year of issuance, as required by Article 13 of Greek Law 4174/2013 read with Article 7 of Greek Law 4308/2014.

8. Payment Processing for Diners (the Business Customer's Customers)

Where the Business Customer enables diner-facing payments, those payments are processed by Viva Wallet Single Member S.A. (or, where the Business Customer's configuration so provides, by Stripe Payments Europe Limited) directly into the Business Customer's merchant account.

The Provider is not a party to the payment transaction between the Business Customer and its diners. The Provider acts solely as a software intermediary; settlement, refunds, chargebacks and reconciliation are the responsibility of the Business Customer and the payment processor as between themselves.

Use of the payment-processing functionality is additionally subject to the merchant terms and acceptable-use policies of the relevant payment processor. The Business Customer is responsible for complying with those terms.

9. Acceptable Use

The Business Customer agrees to use the Platform only for lawful commercial purposes in the food, beverage and hospitality sector. The Business Customer shall not, and shall not permit any third party to:

1. Use the Platform for any purpose other than operating one or more hospitality venues;
2. Reverse-engineer, decompile, disassemble or create derivative works of any part of the Platform;
3. Resell, sub-license, lease or otherwise make the Platform available to third parties without the Provider's prior written consent;
4. Access or use the Platform by means of automated scripts, bots or scrapers in a manner that disrupts service or evades rate limits;
5. Upload, transmit or expose unlawful, infringing, defamatory, fraudulent or otherwise objectionable content;
6. Attempt to gain unauthorised access to any part of the Platform or its underlying infrastructure;
7. Use the Platform to facilitate money laundering, tax evasion or other financial crime; or
8. Violate any applicable local, national or international law or regulation, including the General Data Protection Regulation, Greek labour law and Greek tax law.

Material breach of this Section permits the Provider to suspend or terminate the account without prior notice in accordance with Section 16.

10. Content Uploaded by the Business Customer

The Business Customer retains ownership of all content uploaded to or generated on the Platform under its organisation, including menu items, prices, descriptions, images and configuration ("Business Customer Content").

The Business Customer grants the Provider a non-exclusive, royalty-free, worldwide licence to host, store, reproduce, display and transmit the Business Customer Content for the limited purpose of operating the Platform and providing the contracted service to the Business Customer and its diners. The licence terminates upon termination of the account, subject to retention obligations arising under Section 7 and the Privacy Policy.

The Business Customer represents and warrants that the Business Customer Content does not infringe any third-party intellectual-property rights and that it complies with all applicable laws, including food-labelling and allergen-disclosure obligations.

11. Intellectual Property of the Provider

All software, designs, trademarks, documentation and other materials comprising the Platform are owned by, or licensed to, the Provider. Nothing in these Terms operates to transfer any right, title or interest in the Provider's intellectual property to the Business Customer beyond the limited, revocable, non-transferable right to use the Platform during the subscription term.

The "TabbPay" name and logo are trademarks of the Provider. They may not be used without the Provider's prior written consent.

12. Data Protection

The Provider processes personal data in accordance with the Privacy Policy, which forms part of these Terms. By accepting these Terms the Business Customer confirms that it has read and understood the Privacy Policy.

In respect of personal data that the Business Customer collects from its diners or staff through the Platform, the Business Customer acts as the data controller and the Provider acts as a data processor in accordance with Article 28 GDPR. The Business Customer is responsible for ensuring it has a lawful basis for the processing, for providing appropriate privacy notices to its diners and staff, and for handling rights requests addressed to it. A data-processing agreement is concluded with each Business Customer at the point of account creation.

Platform data is hosted within the European Union. Customer-uploaded media is stored in Amazon S3 in the eu-central-1 region (Frankfurt). Application data is stored in Amazon RDS in the same region. Cross-border transfers, where they occur in respect of sub-processors located outside the European Economic Area, are governed by the European Commission's Standard Contractual Clauses (Decision 2021/914).

13. Availability, Support and Force Majeure

The Provider will use commercially reasonable efforts to make the Platform available without interruption but does not warrant continuous, uninterrupted or error-free operation. Reasonable advance notice will be given of any planned maintenance affecting availability.

Support is provided by email at support@tabbpay.com. Business Customers on the Pro plan receive priority handling. No service-level agreement is offered other than as may be expressly agreed in writing between the parties.

The Provider is not liable for delay or failure in the performance of its obligations to the extent that such delay or failure is caused by circumstances beyond its reasonable control, including network outages, failures of third-party infrastructure, natural disasters, industrial action or acts of public authorities.

14. Warranties and Disclaimer

To the maximum extent permitted by Greek law, the Platform is provided "as is" and "as available", and the Provider disclaims all warranties of any kind, whether express, implied or statutory, including without limitation any implied warranty of satisfactory quality, fitness for a particular purpose or non-infringement.

The Provider does not warrant that the Platform will meet the Business Customer's specific business requirements, that it will operate without interruption or that any error in it will be corrected within a particular time.

15. Limitation of Liability

To the maximum extent permitted by applicable Greek law:

1. The Provider's total cumulative liability to the Business Customer arising under or in connection with these Terms, whether in contract, tort, statute or otherwise, shall not exceed the aggregate subscription fees paid by the Business Customer to the Provider in the twelve (12) calendar months immediately preceding the event giving rise to the claim;
2. The Provider shall have no liability for any indirect, incidental, special, consequential, punitive or exemplary damages, including but not limited to loss of profit, loss of revenue, loss of business, loss of anticipated savings, loss of goodwill or loss of data, even if the Provider has been advised of the possibility of such damages.

Nothing in these Terms limits or excludes any liability that cannot be limited or excluded under applicable Greek law, including without limitation liability for fraud, fraudulent misrepresentation, wilful misconduct, gross negligence, or death or personal injury caused by negligence.

16. Term and Termination

These Terms remain in force for so long as the Business Customer maintains an active account.

The Business Customer may terminate its account at any time by cancelling its subscription in accordance with Section 7 and submitting a written deletion request to support@tabbpay.com.

The Provider may suspend or terminate the Business Customer's account with immediate effect upon written notice if:

1. The Business Customer materially breaches these Terms and fails to remedy the breach within fourteen (14) days of being notified of the same;
2. The Business Customer breaches the Acceptable Use provisions in Section 9, in which case suspension may be imposed without prior notice;
3. The Business Customer becomes insolvent, enters administration, liquidation or any analogous proceeding; or
4. The Provider is required to do so by law or by a competent regulatory or judicial authority.

Upon termination the Business Customer's right to access the Platform ceases. Data relating to the account is retained in accordance with the retention periods set out in the Privacy Policy and, in respect of tax records, for the period required by Greek tax law.

17. Changes to these Terms

The Provider may amend these Terms from time to time. In the case of a material change, the Business Customer will be notified by email at least fourteen (14) days before the new Terms take effect. Continued use of the Platform after the effective date of the revised Terms constitutes acceptance of the change. A Business Customer that does not agree to a material change may cancel its subscription before the effective date in accordance with Section 7.

The version number and effective date set out at the top of these Terms reflect the version currently in force.

18. Governing Law and Jurisdiction

These Terms, and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or their subject matter or formation, are governed by and shall be construed in accordance with the laws of the Hellenic Republic.

The courts of Athens, Greece, shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms.

19. General

Entire agreement. These Terms, together with the Privacy Policy and the Cookie Policy, constitute the entire agreement between the parties in relation to the subject matter and supersede all prior agreements, undertakings and understandings, whether written or oral.

Severability. If any provision of these Terms is held to be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired.

No waiver. A failure or delay by either party to exercise any right or remedy provided under these Terms or by law shall not constitute a waiver of that or any other right or remedy.

Assignment. The Business Customer may not assign, transfer, charge or otherwise deal with its rights or obligations under these Terms without the Provider's prior written consent. The Provider may assign its rights and obligations under these Terms to a successor in interest in connection with a merger, acquisition or sale of substantially all of its assets, provided that the Business Customer's rights under these Terms are not thereby materially diminished.

Language. These Terms are made in the English language. Where the Provider provides a translation, the English version prevails in the event of any conflict.

20. Contact