Legal

Terms of Service

These terms explain the rules for creating an account and using Piggy’s personal and shared-finance tools.

Effective: Pre-launch draftVersion: 2026-08-31

Pre-launch legal review: This document provides Piggy’s intended product terms and must be reviewed with the final business entity, jurisdiction, contact details, and billing model before public release.

1. Agreement and eligibility

By creating or using a Piggy account, you agree to these Terms and the Privacy Policy. You must be legally able to enter into this agreement and provide accurate account information. Piggy is not intended for children under 13.

2. What Piggy provides

Piggy offers tools for organizing accounts, transactions, budgets, goals, recurring activity, reports, and household collaboration. Piggy is a software service, not a bank, credit union, investment adviser, tax adviser, accounting firm, or legal adviser. Information and projections in Piggy are educational and organizational and are not professional financial advice.

3. Your account and security

You are responsible for safeguarding your credentials, using accurate information, and promptly reporting suspected unauthorized access. You may not share credentials in a way that bypasses Piggy’s household permissions. Each person should use their own account.

4. Financial data and connected services

If you connect a financial institution or third-party service, you authorize Piggy and its service providers to access and process the information needed to provide the features you request. Connected services may have separate terms and privacy practices. Piggy cannot guarantee that third-party data will always be complete, current, or uninterrupted.

5. Household sharing

You control which eligible information is shared with a household. Workspace owners and administrators may manage membership and permissions, but every member remains responsible for what they add, share, approve, or change. Do not invite someone unless you intend to give them the access shown in the invitation.

6. Acceptable use

You may not misuse Piggy, attempt unauthorized access, interfere with the service, upload malicious code, impersonate another person, violate another person’s privacy, use the service for unlawful activity, or reverse engineer protected portions of the service except where the law permits it.

7. Your content

You retain ownership of information and content you provide. You give Piggy the limited permission needed to host, process, display, back up, and transmit that content solely to operate, secure, and improve the service and provide features you request.

8. Paid features

If Piggy offers a paid plan, pricing, billing frequency, renewal terms, cancellation rights, and any trial conditions will be shown before purchase. Any final subscription language must be completed before paid features launch.

9. Service changes and availability

Piggy may improve, add, limit, or discontinue features. Reasonable notice will be provided when a material change could significantly affect access to stored information, unless urgent security, legal, or technical circumstances require faster action.

10. Suspension and termination

You may stop using Piggy according to the account controls made available to you. Piggy may restrict or end access for material violations, unlawful conduct, security threats, or nonpayment of paid services. Data export and deletion options will be described in the product and Privacy Policy.

11. Disclaimers and liability

Piggy is provided on an “as available” basis to the extent permitted by law. Financial calculations, merchant labels, forecasts, and recommendations may contain errors and should be reviewed before you make decisions. Final warranty disclaimers, liability limits, dispute terms, and governing law must be approved for Piggy’s operating entity and users’ jurisdictions before launch.

12. Changes and contact

If these Terms materially change, Piggy will provide notice and identify the new effective date. The final support email, legal entity name, mailing address, and jurisdiction will be added before public release.

Legal

Privacy Policy

This policy explains what Piggy collects, why it is used, and how personal and financial information is protected and controlled.

Effective: Pre-launch draftVersion: 2026-08-31

Pre-launch legal review: This policy must be updated to name Piggy’s operating entity, vendors, data locations, state-specific disclosures, and verified data practices before public release.

1. Information you provide

Piggy may collect account details such as your name, username, email address, profile image, credentials handled by the authentication provider, workspace information, support messages, and the financial records you choose to add or import.

2. Financial and connected-account information

If connected accounts are offered, Piggy may receive account names, types, balances, transactions, merchant details, and related metadata through the connection provider. Piggy should not request or store your financial institution password directly.

3. Information collected automatically

Piggy may collect device, browser, log, diagnostic, security, and product-usage information needed to operate the service, prevent abuse, understand reliability, and improve features. Final analytics and cookie disclosures will reflect only the tools actually used at launch.

4. How information is used

Provide, personalize, synchronize, and secure Piggy.
Calculate budgets, balances, trends, goals, and reports.
Enable the sharing and messaging choices you make.
Respond to support requests and service communications.
Detect fraud, abuse, errors, and security incidents.
Meet legal obligations and enforce Piggy’s Terms.

5. When information is shared

Information may be shared with service providers that support hosting, authentication, databases, account connections, communications, analytics, security, and customer support; with household members according to your permissions; when legally required; or as part of a properly disclosed business transaction. Piggy’s final vendor list and any sale or targeted-advertising disclosures must match actual launch practices.

6. Household privacy

Personal information is private by default unless you choose to share it or a workspace permission clearly states otherwise. Household members may see information you share with that workspace. Removing a member stops future access but may not remove information they previously received or exported.

7. Data retention and deletion

Piggy retains information for as long as needed to provide the service, comply with law, resolve disputes, maintain security, and enforce agreements. Account deletion, backup retention, and legally required exceptions will be documented before launch.

8. Security

Piggy uses administrative, technical, and organizational safeguards designed to protect information. No system is completely secure. Users should use unique credentials, protect their devices, and report suspected unauthorized access promptly.

9. Your choices and rights

Depending on where you live, you may have rights to access, correct, delete, export, or limit certain uses of personal information. Piggy will provide an authenticated request process and any region-specific notices required before public release.

10. Children

Piggy is not directed to children under 13 and does not knowingly collect their personal information. Any higher minimum age required for financial features or a user’s jurisdiction will be reflected in the final policy and signup process.

11. Changes and contact

Piggy will identify material updates and their effective date. The final privacy contact, operating entity, mailing address, and any required appeal or regulatory information will be added before launch.

Plan your money without losing sight of real life.

Everything important, without everything competing for attention.

Your financial life should never be the background of a sign-in screen.