TwoTab

Terms of Use

Last updated: 7th September 2026

Welcome to TwoTab.

These Terms of Use ("Terms") govern your access to and use of the TwoTab website, application and related services (collectively, the "Service").

Please read these Terms carefully before using TwoTab.

By creating an account, accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use TwoTab.

1. About TwoTab

TwoTab is a digital tool designed to help couples and households organise, track and manage shared financial information and expenses.

Depending on the features available, the Service may allow users to:

  • record and track shared expenses;
  • organise household spending;
  • calculate contributions or balances between users;
  • view and manage financial information shared between connected users; and
  • access related financial organisation tools.

TwoTab is a financial organisation tool only. TwoTab does not provide financial advice, investment advice, tax advice, accounting advice, legal advice or regulated financial services. Any information, calculations, balances, suggestions or outputs generated by the Service are provided for general information and organisational purposes only. You remain responsible for your own financial decisions.

2. Eligibility

You may only use TwoTab if:

  • you are at least 18 years old;
  • you have the legal capacity to enter into a binding contract;
  • the information you provide to us is accurate and complete; and
  • your use of the Service complies with applicable laws.

You are responsible for ensuring that your use of TwoTab is lawful in your location.

3. Your Account

To access certain features of the Service, you may need to create an account.

You agree to:

  • provide accurate and up-to-date information;
  • keep your login credentials secure and confidential;
  • not share your account credentials with anyone else;
  • notify us promptly if you believe your account has been accessed without your permission; and
  • take reasonable steps to prevent unauthorised access to your account.

You are responsible for activities carried out through your account unless you have notified us of unauthorised use and you have not acted negligently.

We may suspend or restrict access to your account where we reasonably believe that:

  • your account has been compromised;
  • you have breached these Terms;
  • your use of the Service creates a security, legal or operational risk; or
  • suspension is reasonably necessary to protect TwoTab, our users or third parties.

4. Connected Users and Shared Information

Certain TwoTab features may allow you to connect your account with another user, including a partner, spouse, household member or other person ("Connected User").

When you choose to connect with another user, you understand and agree that information you enter into shared areas of TwoTab may be visible to that Connected User. You are responsible for deciding what information you enter into the Service and what information you choose to share. You should not enter or share information unless you have the right to do so.

TwoTab is not responsible for disputes between Connected Users, including disputes relating to:

  • ownership of money or assets;
  • responsibility for expenses;
  • debts or repayments;
  • relationship breakdown;
  • separation or divorce;
  • disagreements about information entered into the Service; or
  • actions taken by one Connected User in relation to shared information.

The records displayed in TwoTab are based on information entered into or generated through the Service and do not constitute legally binding evidence of ownership, liability or entitlement.

5. Your Content and Data

You retain ownership of the information and content that you submit to TwoTab ("User Content").

By using the Service, you grant us a limited, non-exclusive right to host, store, process, reproduce and use your User Content only to the extent reasonably necessary to:

  • provide and operate the Service;
  • maintain, secure and improve the Service;
  • provide customer support; and
  • comply with applicable law.

You are responsible for ensuring that you have the necessary rights and permissions to provide any User Content to us.

You must not upload, submit or share content that:

  • is unlawful;
  • infringes another person's intellectual property, privacy or other rights;
  • contains malicious software or harmful code;
  • is fraudulent, misleading or deceptive; or
  • breaches applicable law.

We may remove or restrict access to User Content where reasonably necessary to protect the Service, comply with the law or enforce these Terms.

6. Subscriptions and Payment

Certain features of TwoTab may require a paid subscription.

The available subscription options, prices and billing periods will be shown to you before you complete your purchase. Unless otherwise stated:

  • monthly subscriptions are billed monthly; and
  • annual subscriptions are billed annually.

Your subscription will begin when your payment is successfully processed.

Payments may be processed by a third-party payment provider, including Stripe. We do not directly store your full payment card details.

By purchasing a subscription, you authorise us and our payment provider to charge the applicable subscription fees using your chosen payment method.

7. Automatic Renewal

Unless you cancel your subscription before the end of the applicable billing period, your subscription may automatically renew for the same billing period.

For example:

  • a monthly subscription will normally renew monthly; and
  • an annual subscription will normally renew annually.

The price, billing frequency and automatic renewal terms will be clearly displayed before you purchase a subscription.

You can cancel automatic renewal through your account settings or by contacting us using the contact details provided within the Service. We will not make it unnecessarily difficult for you to cancel your subscription.

8. Free Trials and Promotional Offers

We may offer free trials, discounted periods or promotional subscriptions from time to time. The specific terms of any trial or promotion will be displayed when you sign up.

Unless clearly stated otherwise, at the end of a free trial or promotional period your subscription may automatically convert to a paid subscription. Where this applies, we will clearly tell you:

  • the duration of the free or discounted period;
  • the price payable after the period ends;
  • when payment will be taken; and
  • how to cancel before charges apply.

We may withdraw, modify or discontinue promotional offers at any time, provided this does not affect subscriptions or offers that have already been validly accepted unless permitted by law.

We may limit eligibility for promotional offers, including where we reasonably believe a user is attempting to access multiple introductory offers.

9. Cancellation

You may cancel your subscription at any time through the cancellation method made available within the Service.

Unless otherwise required by applicable law or stated at the point of purchase:

  • cancellation will stop future renewal payments; and
  • you will continue to have access to paid features until the end of the period you have already paid for.

Cancelling your subscription does not automatically delete your TwoTab account. You may separately request deletion of your account in accordance with our Privacy Policy and applicable law.

Nothing in these Terms affects any statutory cancellation or refund rights that you may have under applicable consumer protection law.

10. Cooling-Off Rights

If you are a consumer, you may have a statutory right to cancel certain contracts within a cooling-off period. Where applicable law gives you a right to cancel, that right will not be affected by these Terms.

Where you ask us to begin providing the Service immediately during an applicable cooling-off period, this may affect your entitlement to a refund where permitted by law.

We will provide information about applicable cancellation rights during the purchase process where required.

11. Price Changes

We may change the price of a subscription from time to time. If we increase the price of your subscription, we will provide reasonable notice before the new price takes effect.

A price change will not normally affect the current period you have already paid for. Where required by law, you will be given the opportunity to cancel your subscription before the new price takes effect.

If you continue your subscription after the new price takes effect, you will be deemed to have accepted the new price, subject to your statutory rights.

12. Refunds

Except where required by law or expressly stated otherwise, subscription payments are non-refundable once a billing period has begun. This does not affect your statutory rights.

We may issue refunds at our discretion in exceptional circumstances, but doing so on one occasion does not create an obligation to issue refunds in the future.

13. Acceptable Use

You must not:

  • use TwoTab for unlawful purposes;
  • interfere with or disrupt the Service;
  • attempt to gain unauthorised access to our systems or another user's account;
  • introduce viruses, malware or other harmful material;
  • reverse engineer, decompile or attempt to extract the source code of the Service except where permitted by law;
  • scrape, copy, reproduce or systematically extract data from the Service without our permission;
  • use automated systems or bots to access the Service in a way that places unreasonable demands on our infrastructure;
  • use the Service to harass, abuse or harm another person;
  • impersonate another person;
  • submit false or misleading information; or
  • use TwoTab in a way that could damage our reputation, systems or other users.

We may suspend or terminate your access where we reasonably believe you have breached this section.

14. Intellectual Property

All intellectual property rights in TwoTab, including the website, application, software, branding, logos, design, content and underlying technology, are owned by or licensed to us.

Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable and revocable right to use the Service for its intended purpose.

You must not:

  • copy or reproduce TwoTab except as necessary for normal use;
  • sell, rent, lease or sublicense access to the Service;
  • modify or create derivative works based on the Service;
  • remove copyright, trademark or other proprietary notices; or
  • use our branding without our prior written permission.

Nothing in these Terms transfers ownership of our intellectual property to you.

15. Availability of the Service

We aim to provide TwoTab with reasonable care and skill. However, we do not guarantee that the Service will:

  • always be available;
  • be uninterrupted;
  • be free from errors or defects;
  • meet every user's requirements; or
  • be compatible with every device, browser or operating system.

We may temporarily suspend access to the Service for maintenance, updates, security reasons or other operational reasons. Where reasonably possible, we will try to give advance notice of significant planned interruptions.

16. Changes to the Service

TwoTab is an evolving product. We may add, modify, replace or remove features from time to time.

We will not make changes that materially reduce the core functionality of a paid subscription without a legitimate reason. Where a significant change may materially affect your use of a paid Service, we will provide reasonable notice where reasonably possible.

We may also make changes where necessary to:

  • comply with legal or regulatory requirements;
  • address security or technical issues;
  • improve performance or usability; or
  • prevent misuse or harm.

17. Accuracy of Information and Calculations

TwoTab relies on information entered by users and, where applicable, information provided by third-party services. We do not guarantee that:

  • information entered by users is accurate;
  • calculations are free from error in every circumstance;
  • balances or expense allocations reflect the legal or actual ownership of money;
  • information displayed by the Service is complete or current.

You should independently verify important financial information before making decisions based on it. TwoTab should not be used as your sole source of financial records.

18. No Financial, Legal or Tax Advice

TwoTab does not provide financial advice, investment advice, tax advice, accounting advice, legal advice, debt advice or regulated financial services. Nothing in the Service should be interpreted as a recommendation that you take or avoid any particular financial action. You are responsible for obtaining professional advice where appropriate.

19. Third-Party Services

TwoTab may use or integrate with third-party services, including payment processors, hosting providers and other technology providers.

We are not responsible for third-party websites, products or services that are outside our reasonable control. Your use of third-party services may be subject to separate terms and privacy policies.

20. Privacy

We process personal data in accordance with our Privacy Policy. Our Privacy Policy explains:

  • what personal data we collect;
  • how we use it;
  • how long we retain it;
  • when we share it; and
  • your rights in relation to your personal data.

Please read our Privacy Policy carefully.

21. Account Suspension and Termination

You may stop using TwoTab at any time. We may suspend or terminate your access to the Service if:

  • you materially breach these Terms;
  • we reasonably believe you are using the Service unlawfully or fraudulently;
  • your use creates a security or operational risk;
  • we are required to do so by law; or
  • continued access would reasonably be expected to cause harm to TwoTab, our users or third parties.

Where reasonably appropriate, we will attempt to notify you before permanently terminating your account.

We may retain certain information following account closure where required or permitted by law and in accordance with our Privacy Policy.

22. Our Responsibility to You

Nothing in these Terms excludes or limits liability where it would be unlawful to do so. This includes liability for:

  • death or personal injury caused by our negligence;
  • fraud or fraudulent misrepresentation; or
  • any other liability that cannot legally be excluded or limited.

Subject to the above, we are not responsible for losses that:

  • were not reasonably foreseeable;
  • were not caused by our breach of these Terms;
  • result from information provided inaccurately by you or another user;
  • arise from disputes between Connected Users;
  • result from your financial decisions;
  • result from unauthorised access caused by your failure to keep your account credentials secure; or
  • result from events outside our reasonable control.

If you are using TwoTab as a consumer, nothing in these Terms affects your statutory rights.

23. Events Outside Our Control

We are not responsible for delays or failures caused by events outside our reasonable control. This may include:

  • internet or telecommunications failures;
  • cyber attacks affecting infrastructure providers;
  • power failures;
  • natural disasters;
  • government action;
  • strikes or labour disputes;
  • failure of third-party hosting or technology providers; or
  • other events beyond our reasonable control.

24. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will take reasonable steps to notify you, for example through the Service or by email.

The updated Terms will take effect on the date stated at the top of the document. If you continue to use TwoTab after the updated Terms take effect, you agree to the updated Terms, unless applicable law requires us to obtain your express agreement.

If you do not agree to the updated Terms, you may stop using the Service and cancel your subscription.

25. If Part of These Terms Is Invalid

If any provision of these Terms is found to be unlawful, invalid or unenforceable, that provision will be treated as modified to the minimum extent necessary or, if that is not possible, removed. The remaining provisions will continue to apply.

26. No Waiver

If we do not immediately enforce a right or provision under these Terms, this does not mean that we have waived that right.

27. Transfer of Rights

We may transfer our rights and obligations under these Terms to another organisation, including as part of a sale, merger or restructuring of our business. If this happens, your rights under these Terms will not be materially reduced.

You may not transfer your rights or obligations under these Terms without our written consent.

28. Governing Law

These Terms are governed by the laws of England and Wales. If you are a consumer resident in another part of the United Kingdom, you may also benefit from mandatory consumer protection laws applicable in your place of residence.

The courts of England and Wales will have jurisdiction over disputes arising from these Terms, except where applicable consumer protection law gives you the right to bring proceedings elsewhere.

29. Consumer Rights

Nothing in these Terms is intended to limit or exclude any rights you may have under applicable consumer protection law. If you are a consumer, you may have legal rights relating to:

  • digital services;
  • subscriptions;
  • cancellation;
  • refunds; and
  • unfair contract terms.

These Terms do not override those rights.

By creating an account or using TwoTab, you confirm that you have read and agree to these Terms of Use.