Terms of service.

Who these terms are between.

Who this is between

These terms are between you (the business signing up to TabNudge) and TabNudge Limited, a company registered in New Zealand. If you are agreeing on behalf of a business, you confirm that you have the authority to bind that business.

What you are agreeing to

By creating a workspace, connecting Xero, or using the service in any way, you agree to these terms and to the Privacy Policy. If you do not agree, do not use TabNudge.

The product, in one line

TabNudge is a tool that helps small service businesses follow up on overdue invoices — it reads invoice data from Xero, drafts reminder emails, sends them on your behalf, and reacts when customers reply.

Eligibility, accuracy, and security.

Eligibility

You must be at least 18 years old, operating a legitimate business, and able to enter into a binding contract under the laws of your country.

Accurate information

You need to provide accurate information when you sign up — including your business name, contact email, and connected services. Keep it up to date.

Security of your account

You are responsible for keeping your login credentials safe and for everything that happens under your workspace. If you think your account has been accessed without permission, contact us straight away.

Workspace members

If you invite other people into your workspace, you are responsible for their use of the service. Each member is bound by these terms.

How payment, renewals, and refunds work.

How billing works

Paid plans are billed in advance through Stripe, on a monthly or annual cycle. Pricing is shown in NZD or AUD, depending on your market. Taxes (GST) are added where applicable.

Renewals

Subscriptions renew automatically at the end of each cycle until you cancel. You can cancel from inside TabNudge at any time and will keep access for the remainder of the period you have already paid for.

Refunds

We do not generally offer refunds for partially used periods. If something goes wrong on our side — for example, an extended outage that stops the service from doing its job — get in touch and we will sort it out fairly.

Failed payments

If a renewal payment fails, we will retry the card and email the workspace owner. If payment cannot be collected after a reasonable period, we may suspend the workspace until it is resolved.

Price changes

We may change pricing from time to time. Existing subscribers will be given at least 30 days’ written notice before a price change takes effect on their next renewal.

Free trials and promotional pricing.

Free trial

Where a free trial is offered, you can use TabNudge during the trial without entering payment details, unless we say otherwise. Some features may be limited during the trial.

Promotional offers

Discounted introductory pricing applies only for the period stated at the time of sign-up. The standard rate applies afterwards unless we tell you otherwise.

Xero, email, and SMS.

TabNudge works by connecting to a small set of third-party services on your behalf. You stay in control of every connection.

Xero

To follow up on invoices, TabNudge needs to connect to your Xero organisation. By connecting, you authorise us to read invoice and contact data within the scopes we request. You can disconnect at any time from inside TabNudge or from your Xero account.

Email (Gmail / Microsoft 365)

When you connect an email account, you authorise TabNudge to send reminder emails on your behalf, from your address, using send-only scopes. We do not read your inbox. You can disconnect at any time.

SMS (optional)

If you enable SMS reminders, you confirm that you have the right to send SMS messages to the phone numbers in your Xero contacts and that your use complies with the SPAM Act 2003 (AU), the Unsolicited Electronic Messages Act 2007 (NZ), and any other rules that apply to your business.

Third-party terms

Your use of Xero, Google, Microsoft, Stripe, ClickSend, and any other third-party service is also governed by that provider’s own terms. We are not responsible for changes those providers make to their services, scopes, or pricing.

Reminders go out under your name.

Sent from your name

Reminders are sent from your connected email address and signed in your business name. To the recipient, they look like they came from you — because they did.

You decide the rules

You choose the tone, the cadence, when automation runs, and when a draft requires your approval. The product is built to surface drafts for review when intent is unclear, when language is sensitive, or when a customer disputes an invoice — but you are responsible for what actually goes out.

Approvals

Where TabNudge marks a draft as requiring approval, you must review and approve it before it is sent. Approval is recorded in the workspace audit trail.

Your responsibility for content

You are responsible for the accuracy of invoices, the legitimacy of the debt being chased, and for following the laws that apply to debt collection, consumer protection, and electronic communications in your country. TabNudge is a tool — it does not give legal or accounting advice.

Drafts are suggestions, not decisions.

Drafts, not decisions

TabNudge uses AI to draft reminder text and to classify the intent and sentiment of replies. Drafts are suggestions. They reflect the inputs they were given and may occasionally be wrong, oddly worded, or miss context.

Review before send

You should review drafts before they go out, particularly in the early days of using the product, and whenever the interface asks you to. The approval gates exist for a reason — do not bypass them lightly.

No legal or financial advice

AI-generated drafts and routing decisions are not legal, financial, or debt-collection advice. They are written suggestions for a customer follow-up.

What TabNudge is — and is not — for.

Use it for what it is

TabNudge is for following up on legitimate invoices owed to your business. Do not use it to send marketing, harassment, threats, debt-collection content that breaches consumer law, or any other communication unrelated to invoice follow-up.

Do not abuse the service

You must not: attempt to reverse-engineer or copy the product; scrape data through the interface; use the service to send unsolicited bulk email; resell access to the service without our written permission; or use the service to break the law in any jurisdiction.

Your customers’ rights

You must respect any opt-out or stop request a customer makes. TabNudge will pause automation when a customer replies expressing a dispute or asking you to stop contacting them, but the final responsibility for honouring those requests is yours.

Suspension

We may suspend or close a workspace that we reasonably believe is being used in breach of these rules, or in a way that puts our infrastructure or reputation at risk. Where it is safe to do so, we will tell you first.

Your data stays yours. Our software stays ours.

Your data stays yours

You own the data you bring into TabNudge — invoices, contacts, replies, settings. We process it on your behalf to operate the service, as described in the Privacy Policy.

Licence to operate the service

You grant us the limited licence we need to host, process, transmit, and display your data so that the service can do its job. This licence ends when your data is deleted.

Our intellectual property

The TabNudge software, brand, copy, prompts, and design remain our property. Nothing in these terms transfers ownership of the service to you.

Feedback

If you send us feedback or suggestions, we may use them to improve the product without owing you anything for them. Feedback never includes any of your customer data.

Best effort, with notice for material changes.

Best effort, not a guarantee

We work to keep TabNudge available and reliable, but we do not guarantee uninterrupted service. The product depends on third-party platforms (Xero, Gmail, Microsoft, Stripe) and on the wider internet.

Maintenance

We may need to take parts of the service offline for maintenance, upgrades, or security work. We will give notice for planned downtime where we reasonably can.

Changes to the product

TabNudge will keep evolving. We may add, change, or remove features over time. Where a change materially reduces functionality you depend on, we will tell active workspace owners by email.

The limits of what we promise.

As-is, to the extent allowed by law

TabNudge is provided on an "as-is" basis. To the maximum extent permitted by law, we exclude all warranties, conditions, and representations that are not expressly set out in these terms — including any implied warranty of merchantability or fitness for a particular purpose.

Consumer guarantees

Nothing in these terms excludes any consumer guarantee or statutory right that cannot be lawfully excluded under the Consumer Guarantees Act 1993 (NZ), the Fair Trading Act 1986 (NZ), the Australian Consumer Law, or other applicable consumer protection law.

Cap on liability

To the maximum extent permitted by law, our total liability to you for all claims arising out of or relating to TabNudge in any 12-month period is limited to the amount you paid us for the service in that same period. We are not liable for indirect, incidental, special, or consequential loss — including lost profits, lost revenue, lost business, or loss of goodwill.

Indemnity

You agree to indemnify us against claims, costs, and damages that arise from your use of the service in breach of these terms — including claims by your customers or by third parties relating to communications you sent through TabNudge.

Cancelling, closure, and updates to these terms.

Cancelling

You can cancel your subscription from inside TabNudge at any time. You keep access for the rest of the period you have already paid for. Free workspaces can be closed at any time.

Closure by us

We may close a workspace where it is being used in breach of these terms, where payment cannot be collected, or where required by law. Where reasonable, we will give notice and a chance to put it right.

What happens to your data

On closure, workspace data — invoices, contacts, reminders, replies, profiles — is deleted within 30 days, subject to any legal hold. See the Privacy Policy for the full retention schedule.

Changes to these terms

When these terms change in a material way, we will update the "Last updated" date and notify active workspace owners by email. Continued use of TabNudge after a change means you accept the updated terms.

Governing law

These terms are governed by the laws of New Zealand. Any dispute will be dealt with in the courts of New Zealand, unless a consumer law in your country gives you a non-excludable right to bring proceedings somewhere else.