> ## Documentation Index
> Fetch the complete documentation index at: https://docs.tabby.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Marketing Guidelines

Use these guidelines any time Tabby appears in your communications: your own copy, your ads, your store. This page covers how to talk about Tabby: which message to lead with for your business, the approved language to use, the phrases to avoid and the disclaimers each market requires.

## Choosing the right messaging

Tabby gives your shoppers more than one way to pay. The bigger the cart, the longer they can choose to spread it, from 4 months up to 12.

What a shopper sees depends on their cart, not anything you configure. So tailor your copy to the plan that fits your typical basket.

### Pay in 4

Splits any purchase into 4 payments. This is your default. It works for every cart size and every channel, so lead with it unless the rule below applies.

### Pay over time

Offers longer plans on larger purchases. Shoppers can choose how long to spread the cost, up to 12 months.

Pay over time is available on purchases above SAR 2,000 / AED 2,000. Lead with this messaging if you sell high-ticket items like electronics, furniture, jewellery or travel.

### Core messages

These are your building blocks. Use them as-is or adapt within the approved language below.

| Market              | Lead message  | Supporting line                              |
| :------------------ | :------------ | :------------------------------------------- |
| KSA (Pay in 4)      | Pay it in 4   | 0% interest. No late fees.                   |
| KSA (Pay over time) | Pay over time | Up to 12 months. No late fees.               |
| UAE (Pay in 4)      | Pay it in 4   | No fees. No interest.                        |
| UAE (Pay over time) | Pay over time | 4 interest-free payments or up to 12 months. |

### More approved phrases

You can copy and paste these directly:

* Pay later with Tabby
* Pay over time with Tabby
* Tabby available at checkout
* Get more time to pay with Tabby
* Now accepting Tabby

## What to avoid

Some phrases feel natural but create misleading impressions—and aren't permitted. Here's the full list.

| Don't say                                                   | Why                                                                                                       | Say this instead                                                                                               |
| :---------------------------------------------------------- | :-------------------------------------------------------------------------------------------------------- | :------------------------------------------------------------------------------------------------------------- |
| Free / it's free / no cost                                  | Misleading. Only Pay in 3 (KSA) and Pay in 4 (UAE) have no cost, so it doesn't cover all scenarios.       | Use the approved core messages above for your product and market.                                              |
| Interest-free \[standalone]                                 | Only permitted paired with "when you pay in 4" in the UAE.                                                | "4 interest-free payments or up to 12 months"—UAE only.                                                        |
| Instalments                                                 | We prefer "payments" because instalments have connotations of interest and fees.                          | 4 payments                                                                                                     |
| Affordable / cheap                                          | Tabby doesn't reduce the cost of a purchase.                                                              | Pay over time / spread your payments                                                                           |
| No credit checks / instant approval / guaranteed acceptance | Customers are subject to eligibility criteria.                                                            | Select Tabby at checkout                                                                                       |
| Strapped for cash? / Don't wait until payday                | Encourages spending beyond means. We have an obligation to ensure our customers stay financially healthy. | Focus on flexibility and cash flow: "More flexibility with how you pay", "More ways to pay, more room to plan" |

## Disclaimer requirements

Any communication referencing Tabby's financial terms needs a disclaimer. No exceptions.

### UAE disclaimer

> Pay Later (Short Term Credit) is provided by Tabby LLC. Terms and conditions apply.
> For more information or to contact us, visit tabby.ai.

### Saudi disclaimer

> Shariah-compliant.
> Tabby Financing Company JSC is subject to the control and supervision of the Saudi Central Bank. Call us on 800 111 0999.

## Brand usage

* Always write Tabby with a capital T: not *TABBY*, not *tabby*
* Use the Tabby logo and assets as provided. Don't modify colours, proportions or fonts
* Don't refer to Tabby as a credit card or loan. It's buy now, pay later or flexible payments