Effective: June 9, 2026
TallyHQ, Inc. | Delaware, USA
Please read — real funds
Tally commitment deposits are made in USDC, a US-dollar stablecoin, on the Base blockchain. Your wallet, the purchase of USDC, and cashing out to your bank are all provided by Coinbase. Coinbase performs all identity verification and handles all fiat payments. Tally never takes custody of your fiat currency or your private keys. Blockchain transactions are irreversible. By creating an account and using these features, you also agree to Coinbase's terms, incorporated in Section 9.
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and TallyHQ, Inc., a Delaware corporation ("Tally," "we," "us," or "our"). These Terms govern your access to and use of the Tally mobile application, website, smart contracts, and all related services (collectively, the "Service").
BY CREATING AN ACCOUNT, ACCESSING THE SERVICE, OR CLICKING "I AGREE," YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND, AS DESCRIBED IN SECTION 9, BY THE COINBASE AGREEMENTS THAT GOVERN YOUR WALLET AND USDC TRANSACTIONS. IF YOU DO NOT AGREE, DO NOT USE THE SERVICE.
YOU MUST BE AT LEAST 18 YEARS OF AGE TO USE THE SERVICE.
By using the Service, you represent and warrant that you:
If we discover that a user is under 18, their account will be suspended, active habits will be resolved or unwound, and any remaining balance will be made available for withdrawal.
The Service is available only to residents of the United States and Canada, excluding the province of Quebec due to compliance considerations under Quebec's Law 25. The Service is not available in any jurisdiction where voluntary financial commitment deposits, stablecoin transactions, or the underlying Coinbase services are prohibited or restricted by law.
Tally reserves the right to modify these Terms at any time. We will provide at least 30 days' advance notice of material changes, posted at tally.kitchen/terms. Continued use of the Service after the effective date of revised Terms requires your re-acceptance of those Terms.
Tally is a personal accountability platform that lets you create and manage habits backed by voluntary commitment deposits denominated in USDC on the Base blockchain. The Service includes:
Tally is a personal commitment device. The Service is NOT gambling, a lottery, a prediction market, a sweepstakes, an investment product, or a securities offering. All outcomes are determined by objective, verifiable criteria you control — not by chance. You set every parameter of your habits, including the commitment amount, verification method, frequency, and accountability partner. You are never paid by Tally for completing a habit; on success your own deposit is simply returned to you.
Habits are backed by the Tally escrow smart contract deployed on Base mainnet. You acknowledge and agree that:
When you create an account, the Coinbase Developer Platform automatically provisions an embedded wallet and an ERC-4337 smart wallet associated with your account. You acknowledge and agree that:
Your wallet, your purchases of USDC, and your withdrawals of USDC to fiat are provided by Coinbase, Inc. and its affiliates ("Coinbase"), not by Tally. Tally integrates the following Coinbase services:
BY CREATING A TALLY ACCOUNT (WHICH PROVISIONS A COINBASE WALLET), AND BY BUYING OR CASHING OUT USDC THROUGH THE SERVICE, YOU AGREE TO BE BOUND BY THE FOLLOWING COINBASE AGREEMENTS, EACH OF WHICH IS INCORPORATED INTO THESE TERMS BY REFERENCE:
Coinbase is solely responsible for its services, including wallet security, fiat payment processing, identity verification, payout to your bank, and its own fees. Your relationship with Coinbase for these services is directly between you and Coinbase. To the extent Coinbase's terms conflict with these Terms with respect to a Coinbase-provided service, Coinbase's terms govern that service. Tally is not liable for acts or omissions of Coinbase. Coinbase may decline, limit, or suspend service to you under its own terms, independent of your Tally account.
You add USDC to your wallet through Coinbase Onramp using Apple Pay. Coinbase processes the payment, performs any required identity verification, and delivers USDC to your wallet address. Per-order purchase limits are set by Coinbase's Apple Pay Guest Checkout (currently up to $500 per order). Tally does not see or store your card, bank, or Apple Pay credentials.
You withdraw funds by selling USDC through Coinbase Offramp, which pays out to your linked bank account or other Coinbase-supported method. Coinbase owns the identity verification (KYC), quote, payout-method selection, and bank transfer for cash-outs. A minimum cash-out amount applies (currently $5.00). Before Tally releases USDC from your wallet for a cash-out, it validates the amount on-chain. Cash-out is available only when the Service operates on mainnet.
USDC in your wallet that is not committed to an active habit remains available to you and may be withdrawn at any time through Coinbase Offramp, subject to Coinbase's terms, applicable minimums, and network conditions.
Tally is not a bank, money transmitter, money services business, broker-dealer, exchange, or custodian.
Your wallet, and the purchase and sale of USDC, are provided by Coinbase. Coinbase performs all identity verification (KYC) and handles all fiat payments. Tally never takes custody of your fiat currency or your private keys, and never holds your funds off-chain. Funds you commit to a habit are held by an autonomous smart contract on the Base blockchain — not by Tally — and are released on-chain according to the verified outcome. Tally's role is limited to operating the application and acting as the oracle that reports habit outcomes to the smart contract.
When creating a habit, the following rules apply:
When you do not complete a habit that has a designated accountability partner, the committed USDC is automatically transferred on-chain to your partner's wallet as part of the mutual accountability agreement you both opted into. The reverse applies to your partner's linked habit.
For solo habits without a designated partner, an unreturned commitment deposit is transferred to the Tally community pool at wallet address 0x80D8f46fe121c19e32696D6deb70b3b2EB80634C on Base mainnet. This address is controlled by TallyHQ, Inc.
DEPOSITS TRANSFERRED TO A PARTNER OR TO THE COMMUNITY POOL ARE FINAL AND NON-REFUNDABLE.
Photo-verified habits require a front and a back photo. Photos are analyzed by Google Gemini (primary) and Anthropic Claude (fallback). You receive two attempts per verification period. Photos are retained for 30 days, then permanently deleted; pass/fail records and AI reasoning notes are retained indefinitely for dispute review.
Screen Time habits use Apple's Family Controls framework. A shield is applied to monitored apps when your threshold is exceeded. Revoking Screen Time authorization while such a habit is active is an Integrity Violation (Section 16).
DNS habits use an encrypted DNS resolver (NextDNS) to detect visits to website categories relevant to your habit. Disabling the DNS filter or otherwise bypassing the encrypted DNS connection while a DNS habit is active is an Integrity Violation (Section 16).
HealthKit habits use read-only access to Apple Health data, limited to daily aggregate totals for the metrics your habit requires. Health data is never used for advertising.
The following actions constitute Integrity Violations:
First violation: the active day's outcome is marked incomplete for affected habits. Subsequent violations: account suspension and permanent restriction from the Service.
Disputes are available for AI photo-verification results only. Disputes are not available for Screen Time, DNS, HealthKit, or missed-submission outcomes, which are derived directly from on-device data you control.
File a dispute through the in-app dispute interface, with a written explanation, within 24 hours of the disputed result. Tally will review within 7 days, and that decision is final and binding. If Tally does not respond within 7 days, the dispute resolves in your favor.
Filing frivolous or abusive disputes may result in suspension of dispute privileges or account termination.
Any dispute arising from these Terms or the Service shall be resolved through binding arbitration under the JAMS Comprehensive Arbitration Rules and Procedures, on an individual basis, and not in court (except for claims eligible for small-claims court).
YOU AND TALLY EACH WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR OTHER REPRESENTATIVE PROCEEDING.
Arbitration shall take place in the State of Delaware or via video conference, governed by Delaware law. For claims under $10,000, Tally will pay all arbitration fees.
You may opt out of binding arbitration by sending written notice to arul@tally.kitchen within 30 days of creating your account.
Users residing in Canada are subject to the laws of the Province of Ontario and the exclusive jurisdiction of Ontario courts.
Account authentication is handled via one-time passcode (OTP) through the Coinbase Developer Platform. You agree to provide accurate information, maintain the security of your account and device, and not create multiple accounts. You are responsible for all activity under your account.
Your use of the Service is governed by our Privacy Policy at tally.kitchen/privacy, which describes what we collect, how we use it, and your rights. Information you provide directly to Coinbase (including identity-verification and payment data) is governed by the Coinbase Privacy Policy.
By creating an account, you consent to receive transactional push notifications related to your habits, commitments, and account activity. You may disable non-essential notifications in settings; you cannot opt out of security- and account-related notifications.
You agree not to:
Violation may result in immediate account termination, forfeiture of active commitment deposits per the smart contract, and reporting to law-enforcement or regulatory authorities.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. TALLY DOES NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION, ACCURACY OF AI VERIFICATION, CORRECT OPERATION OF SMART CONTRACTS, THE AVAILABILITY OR CONDUCT OF COINBASE SERVICES, OR THE VALUE OR STABILITY OF USDC.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TALLY'S TOTAL LIABILITY ARISING FROM OR RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL USDC YOU COMMITTED THROUGH THE SERVICE IN THE 90 DAYS PRECEDING THE CLAIM, OR (B) $100 USD.
IN NO EVENT SHALL TALLY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF FUNDS, DATA, OR PROFITS, OR FOR ANY ACT OR OMISSION OF COINBASE OR THE BASE NETWORK.
You agree to indemnify, defend, and hold harmless TallyHQ, Inc. and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms or applicable law, your infringement of third-party rights, disputes between you and other users, any information you provide, or any tampering with the Service's verification systems.
As described in Section 11, Tally is not a money transmitter or custodian; the regulated wallet, on-ramp, off-ramp, and identity-verification (KYC) functions are provided by Coinbase under its own licenses and terms. Identity verification, where required, is performed by Coinbase. You are solely responsible for determining and paying any taxes applicable to your use of the Service. USDC commitment deposits are not securities, and nothing in the Service is an offer of, or solicitation to buy, any security. The Service complies with applicable sanctions requirements.
You acknowledge the following risks associated with digital assets:
Your use of the Service on Apple devices is subject to the Apple Media Services Terms and Conditions. Apple is not a party to these Terms and has no obligation to provide maintenance, support, or warranty for the Service.
The Service integrates the following third parties, each subject to its own terms:
These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. Any legal action shall be brought exclusively in the courts of Delaware. Users residing in Canada are subject to the laws of the Province of Ontario and the exclusive jurisdiction of Ontario courts.
You agree to comply with all applicable US export-control laws, OFAC sanctions regulations, and Canadian export controls. You may not use the Service if you are located in a sanctioned country or are a designated person under any applicable sanctions regime.
You may request account deletion from in-app settings. Deletion may be delayed while you have active habits, pending smart-contract creation, or pending on-chain resolutions, because those commitments must first finish, settle, or be deleted according to the smart contract and these Terms. Tally may suspend or terminate your account for violation of these Terms or applicable law. Upon termination:
If any provision of these Terms is held invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.
These Terms, together with the Privacy Policy and the Coinbase agreements incorporated in Section 9, constitute the entire agreement between you and Tally regarding the Service and supersede all prior agreements and understandings.
Tally's failure to enforce any right or provision of these Terms is not a waiver of that right or provision.
You may not assign or transfer your rights or obligations under these Terms without Tally's prior written consent. Tally may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of its assets.
TallyHQ, Inc.