Terms of Service
Introduction
Welcome to PiggyBank, a financial tracking app designed to help you manage your finances smarter. PiggyBank enables you to track monthly and yearly expenses and incomes, monitor debts and investments, and oversee household financial data—all in one place. By using PiggyBank, you agree to these Terms of Service, which govern your use of the app and outline our mutual responsibilities.
User Agreement
Acceptance of Terms
By accessing or using PiggyBank, you agree to comply with these Terms of Service and all applicable laws. If you do not agree, please refrain from using the app.
Eligibility
You must be at least 18 years old to use PiggyBank. By using the app, you confirm that you meet this requirement.
Account Responsibility
You are responsible for keeping your account credentials confidential and for all activities under your account. Notify us immediately if you suspect unauthorized access.
Use of the App
Permitted Use
PiggyBank is for personal, non-commercial use to track your finances, including expenses, incomes, debts, and investments. You may not use it for illegal purposes or in ways that harm others.
App Limitations
PiggyBank does not execute real bank transactions or provide financial advice. It is a tool for tracking and monitoring only, and you assume responsibility for decisions made based on its data.
Data Usage
Collection and Privacy
We collect data you input (e.g., transaction details, budgets, household information) to provide our services. Our Privacy Policy, available on our website, details how we handle your data.
Security
We use Neon database's security features and additional measures (see our Security Page) to protect your data. However, no system is immune to breaches, and you acknowledge this inherent risk.
User Input
You are responsible for the accuracy of the data you enter. PiggyBank does not verify or correct your inputs.
Intellectual Property
Ownership
PiggyBank, including its design, code, and content, is owned by us or our licensors and protected by intellectual property laws.
License
We grant you a limited, non-exclusive, non-transferable license to use PiggyBank for personal financial tracking, revocable at our discretion.
Dispute Resolution
Governing Law
These Terms are governed by the laws of California, USA.
Arbitration
Any disputes arising from your use of PiggyBank will be resolved through binding arbitration under the rules of the American Arbitration Association, unless otherwise required by law.
Contact First
Before escalating disputes, please contact us to resolve issues informally.
Potential Dispute Points
We aim to address all possible concerns:
Data Accuracy
PiggyBank relies on your inputs and does not guarantee the accuracy of tracked data or calculations. Verify your data independently.
Service Interruptions
We strive for uninterrupted service but are not liable for downtime or data loss due to technical issues.
Misuse or Errors
You are responsible for how you use PiggyBank. We are not liable for losses from user errors or misinterpretation of data.
Household Access
You control who has access to your household data. We are not responsible for disputes arising from shared access.
Termination
We may suspend or terminate your account for violations (e.g., illegal use), with or without notice.
Updates to Terms
We may update these Terms periodically. Changes will be posted on our website, and your continued use of PiggyBank after updates signifies your acceptance. Check back regularly for the latest version.
Termination
By You
You may stop using PiggyBank and delete your account at any time.
By Us
We may terminate your access for violating these Terms, with your data potentially deleted. We are not liable for losses from termination.
Contact Us
Questions about these Terms? Reach out to us via support@piggybank.com.