Terms of Service

1. Provider and Scope

These Terms of Service apply to the use of the Tipbetween app and website, operated by:

By using the app or website, the user agrees to these Terms. Any deviating terms proposed by the user are not recognized.

2. Description of Service

Tipbetween is a digital platform for brokering tip payments. Its main functions include:

• Creating a personal profile with an individual QR code
• Receiving tip payments from guests via Stripe
• Paying out received tips to the registered bank account
• Managing staff teams for business owners
• Overview of transactions and tip history

Payment processing is handled exclusively by the payment service provider Stripe. Tip payments are collected via Stripe into Tipbetween's platform account, held there for the recipient until payout, and then forwarded to the recipient's Stripe account and bank account (see section 4).

3. Registration and Account

Using the app requires registration with a valid email address. The user is obligated to:

• Provide truthful and complete information
• Keep login credentials confidential and not share them with third parties
• Report any unauthorized use of the account promptly
• Be at least 18 years of age

Dario Cataldo reserves the right to suspend or delete accounts that violate these Terms.

4. Stripe Onboarding and Payouts

Receiving tips requires a Stripe account. The user completes Stripe's onboarding process and, in doing so, accepts Stripe's terms of service. Payouts follow Stripe's own timelines and conditions. Dario Cataldo is not liable for delays or restrictions caused by Stripe.

4.1 Payout schedule (Switzerland and EU)

Tips received are collected as a balance. The recipient can pay out their balance at any time in the app or choose automatic payouts (monthly or quarterly). Regardless of this, the balance is paid out automatically no later than 80 days after the oldest tip not yet paid out was received.

4.2 Payout costs (Switzerland and EU)

Stripe charges costs for payouts, which are borne by the recipient. They are deducted from the payout amount:

• Account fee: CHF 2.16 or EUR 2.35 per calendar month in which a payout takes place (once per month, regardless of the number of payouts)
• Payout fee: CHF 0.25 or EUR 0.28 plus 0.25% per payout
• Minimum amount: a payout is only possible once at least CHF 5.00 or EUR 5.00 remains after deducting the costs (Stripe requirement)

The exact costs are shown in the app before every payout the recipient initiates and must be confirmed. By choosing an automatic payout schedule, the recipient agrees to the deduction of the costs from every automatic payout. If Stripe changes its rates, the costs are adjusted accordingly and users are informed in advance.

4.3 Small balances and unclaimed tips (Switzerland and EU)

If, when the deadline under section 4.1 is reached, the balance does not cover the payout costs under section 4.2 or does not reach the minimum amount, it is not paid out and is forfeited to Tipbetween to cover platform and processing costs.

Tips that cannot be paid out by that deadline because the recipient has not set up a payout account or the conditions for a payout are not met (for example confirmation of the employment or of the business) are forfeited in the same way.

Tipbetween notifies the recipient at least 14 days before the forfeiture by email and in the app. If the notice is sent later, the forfeiture moves to 14 days after the notice.

4.4 Accounts in the USA

For recipients in the USA, tips are forwarded without any deduction: the recipient always receives 100% of their tips and bears no payout costs. Sections 4.1 to 4.3 do not apply to these accounts.

In the USA, Tipbetween bears the payment provider's costs for each payout. Payouts are therefore made automatically at most once per calendar month, as soon as the tips collected since the last payout cover these costs (currently from about USD 50 in tips). Until then the balance is kept in full and shown in the app. Regardless of this, every balance is paid out no later than about 23 months after the oldest payment it contains. Balances are never forfeited in the USA.

4.5 Chargebacks by the guest (Switzerland and EU)

If a guest charges back the payment of a tip with their bank or card issuer, the recipient bears the resulting costs: the amount charged back and the payment provider's chargeback fee. If the tip is still in the balance, it is not paid out. The remaining costs, or the full amount for tips already paid out, are offset against the next payouts. Tipbetween informs the recipient by email. If the chargeback is decided in Tipbetween's favour, the offset amount is adjusted accordingly.

5. Fees and Pricing

Basic use of the app is free. For every tip payment:

• Stripe's transaction fee, which varies by country and payment method, is paid by the guest on top of the tip. It is shown before payment.
• Switzerland and EU: Tipbetween retains a platform fee of 5% of the tip. The recipient receives 95% of the tip, less the payout costs under section 4.2.
• USA: The 7% platform fee is paid by the guest on top of the tip. The recipient receives the full tip.

Tipbetween Premium is an optional paid subscription with additional features. Current prices are shown in the app. Subscriptions are billed through the Apple App Store and renew automatically unless cancelled at least 24 hours before the end of the current period.

Subscriptions are managed through the user's Apple ID settings.

6. User Obligations

The user agrees to use the app exclusively for lawful purposes and, in particular, to refrain from:

• Misusing the platform for money laundering or fraudulent transactions
• Providing false identity or bank details
• Technically manipulating the app or its API
• Reselling login credentials or account sharing

7. Limitation of Liability

Dario Cataldo is only liable for damages resulting from intent or gross negligence. Liability for slight negligence, lost profits, indirect damages and consequential damages is excluded.

Dario Cataldo assumes no liability for the availability or functionality of third-party services (Stripe, Supabase, RevenueCat, Apple App Store).

8. Availability and Maintenance

Dario Cataldo aims for high availability of the app but cannot guarantee uninterrupted availability. Maintenance work is carried out outside peak usage hours where possible. There is no entitlement to continuous availability.

9. Termination

The user can have their account deleted at any time by contacting info@tipbetween.com. Upon termination, all personal data is deleted in accordance with the Privacy Policy.

Dario Cataldo may suspend or delete accounts without notice in case of a violation of these Terms or suspected misuse.

10. Changes to These Terms

Dario Cataldo reserves the right to amend these Terms at any time. Users will be informed of material changes by email or in-app notification. Continued use of the app after changes take effect constitutes acceptance.

11. Privacy

For information on the processing of personal data, see our Privacy Policy.

12. Governing Law and Jurisdiction

Swiss law applies, excluding the UN Convention on Contracts for the International Sale of Goods. The place of jurisdiction is the domicile of Dario Cataldo in Switzerland, to the extent permitted by law.

13. Contact

For questions about these Terms: info@tipbetween.com