FAQ, Terms, Privacy

The information provided on this website does not constitute investment advice, financial advice, trading advice, or any other sort of advice and you should not treat any of the website’s content as such.  Piiggy Bank does not recommend that any cryptocurrency should be purchased, sold, or held by you. Do conduct your own due diligence and consult your financial advisor before making any investment decisions.

Piiggy Bank strives to ensure the accuracy of the information listed on this website although it will not hold any responsibility for any missing or wrong information. Piiggy Bank provides all information as is. You understand that you are using any and all information available here at your own risk.

Fee for Buying Points:

$00.00 — Purchase points HERE

 

Redemptions Fees

Piiggy Bank Rewards points/utility tokens can be redeemed for.

• Gift Cards
• Bitcoin
• XRP
• Zelle
• Checking Account Direct Deposit

Piiggy Bank is dedicated to provided a authentic, community driven, and safe environment.

Although verifying the identity customers may seem insignificant to most people, it has a very important meaning in the business world. The process of knowing your customer, also referred to as “KYC,” is what businesses do in order to verify the identity of their clients either before or during the time that they start doing business with them, to aide in the prevention of corruption, terrorist financing, money laundering, and other illegal transactions.

You are always in control of your information and media. Once you delete your media, it is deleted permanently. You can always delete your media on your account page.

Once you enable the Google Authenticator security function, signing into your account will require both your password and a verification code which you can generate using
Google Authenticator app:
iPhone/iPad
Android

 

How to Enable:

1. Navigate to your  “Account” page
2. Select the “Security” tab
3. Check the box next to “Enable two-factor authentication”

 

Scan QR code on the Security tab using the Google authenticator application using your phone or tablet. On the next login, the 2-step verification form will appear and you will be prompted to enter verification code from Google Authenticator application.

How to Disable:

1. Navigate to your  “Account” page
2. Select the “Security” tab
3. UNcheck the box next to “Enable two-factor authentication”

Piiggy Bank is dedicated to provided a authentic, community driven, and safe environment.

Any user that wishes to gain access to the crypto portion of their wallet , must complete a basic customer identification process, and verify their identity.

Although verifying the identity customers may seem insignificant to most people, it has a very important meaning in the business world. The process of knowing your customer, also referred to as “KYC,” is what businesses do in order to verify the identity of their clients either before or during the time that they start doing business with them, to aide in the prevention of corruption, terrorist financing, money laundering, and other illegal transactions.

 

How to Verify your account:

1. Take a clear front and back image of an accepted form of ID (Drivers license, Passport, Government Issued ID).

Users can earn 2%+ more points annually on ALL points held their wallet! (simply add points to your balance or receive them when you purchase a product or service!).

How are “PIIGGY BANK” points earned?

• Earned here via our official website: 

How is the value of a “PIIGGY BANK” point determined?

• The value of “PIIGGY BANK” points fluctuate near the price of the Cardano (ADA) cryptocurrency and can be redeemed for services and products in the SHOP or for Cardano.

Wallet snapshots are taken every 5th day of the month and automatically distributed to wallets.

Welcome to Piiggy Bank!

This Terms of Use sets forth the Agreement between you and Piiggy Bank. (“we” or “us”) regarding your use of our web service and mobile applications, specifically including each Piiggy Bank you create or join (collectively the “Service”). Please read this Agreement, because it contains important information about your content (you own it!), our limitation of liability to you, and your agreement to resolve any disputes by individual arbitration and to waive the right to participate in a class action, and information sharing between Members.

If you cannot agree, don’t use our Service.

1. Using the Service

• Eligibility
By accessing or using the Site, you represent and warrant that you will not use the Site if the laws applicable to you of due to your country of residency and/or citizenship prohibit you from doing so in accordance with these Terms.
• How It Works.
Our service enables people to create or participate in a community dedicated to an individual, identity, or interest (a “Piiggy Bank”) for free or for a fee. People who create Piiggy Bank (“Hosts”) do so to invite in people (“Members”) to connect with each other, to message, and to exchange information and content. Hosts tailor their Piiggy Bank by the Members they invite, the conversations they organize, what they call their Piiggy Bank, and additional branding they may choose to use.
• Who can use Piiggy Bank.
You must be at least the age of majority in the state or country where you live to create or participate in a Piiggy Bank.
• Registration.
When you set up a profile with Piiggy Bank, you must provide us accurate information. We will treat registration information according to our Privacy Policy. You are responsible for maintaining the confidentiality of your password.
• Privacy.
Our privacy practices are set forth in our Privacy Policy, which IS a part of this agreement. By joining a Piiggy Bank, you are sharing personally identifiable information with your Host, other Members, and us.
• Play Nice.
We hope you will take care to keep your interaction with others a positive experience for everyone. You agree to follow the Piggy Bank’s Acceptable use Policy at all times. We reserve the right, but have no obligation or liability for, monitoring any interactions with other Members or Hosts of the Service. You may also submit a complaint or concern about another Member or Host to Support@PiiggyBank.com.com.
• Termination.
You may close your Member account at any time by going to account settings and disabling your account by contacting support.
• Feedback.
We welcome your feedback and suggestions about how to improve Piiggy Bank. Submit feedback at Support@PiiggyBank.com.com. By submitting feedback, you agree to grant us the right to use it for free.

2. Create Your Electronic Wallet
• Piiggy Bank does NOT control your wallet.
With your Wallet, you can store and engage in transactions using supported cryptocurrency, within the Piggy Bank platform.

Please note that your Wallet is under your sole responsibility and will always remain under your sole control. While your Account enables you to access your Wallet with ease – Piiggy Bank has no access to your Wallet nor any control over its use, and accordingly Piiggy Bank and/or Piiggy Bank Parties have no liability whatsoever regarding the use of your Wallet and/or any crypto-assets held in, or controlled through the Wallet.

GOOD CYBER HYGIENE/ Safety/ Security: For the protection of your interests, it is imperative you keep safe and guard your Wallet Access Information: username, password, and other account information. You acknowledge and accept that you are solely responsible for the security of your Account and Wallet, and for any use of your Account, as well as for any crypto-assets you hold or manage on your account. Piiggy Bank and/or Piiggy Bank Parties will not be liable or accountable, nor shall be deemed to have any liability or accountability, for any loss or damage regarding your failure to keep your Account and/or Wallet information secret and protected. Furthermore, Piiggy Bank has no control over your actions or transactions made using the Content. With that in mind, Piiggy Bank and/or Piiggy Bank Parties will have no liability to you or to any third party for any claims or damages that may arise as a result of any actions or transactions that you engage in while using the Content. Piiggy Bank and/or Piiggy Bank Parties shall not be liable for the acts or omissions of any third parties, nor will they be liable for any damage that you may suffer as a result of interacting with any third parties.

We reserve the right to cancel or refuse to process any digital currency transaction due to requirements of any applicable laws or regulations, and without prior notice. We cannot guarantee that the Content will always function without disruptions, delay or errors. A number of factors may impact the quality of your communications on the Site and use of the Content, and may result in the failure of your communications including, without limitation, your local network, firewall, your internet service provider, the public internet and your power supply. For the avoidance of doubt and without derogating from the Terms hereunder, Piiggy Bank and/or Piiggy Bank Parties (as defined below) take no responsibility for any disruption, interruption or delay caused by any failure of the aforementioned. 

3. Your Content Stays Yours:

You keep complete ownership of all content, but give us permission to run Piiggy Bank, such that your content shows up, but that’s it. Make sure you have permission to use content that you post on Piiggy Bank.
• Your Content.
The Service enables you to add posts, articles, photos, videos, questions, polls, links, files, events, groups, and chat with other Members. The Service also allows you, if you are a Host, to create a personalized name for your Piiggy Bank (“Username”), which will appear in a subdomain accessible directly to visitors and Members (e.g. piiggybank.com/user/YourUsername). All material that you upload, publish or display to others via a Piiggy Bank is “Your Content.” Material that a Member uploads, publishes, or displays to others via a Piiggy Bank is “User Generated Content”. Your Content, including User Generated Content, does not include Data (defined below).
• You (and the people you license Your Content from) keep complete ownership of all Your Content. By posting Your Content on the Service, you grant us a license to show it on your Piiggy Bank, but you and your licensors still own it.
In legalese: In connection with your use of the Service, you hereby grant and will grant Piiggy Bank. and its affiliated companies a nonexclusive, worldwide, royalty free, fully paid up, transferable, sub licensable (through multiple tiers), perpetual, irrevocable license to copy, display, transmit, perform, distribute, store, modify, and otherwise use Your Content in connection with the operation of the Service in any form, medium or technology now known or later developed, including publication and use on any Integrated Services (as defined below). This license includes the right for us to make Your Content available to other entities and individuals who partner with us in the delivery of the Service. If you join a Network that is Private or Secret, rather than Public, only we, your Host and Users who are invited to join that Network will be able to see Your Content that you post on that Network. Piiggy Bank. may preserve Your Content and may also disclose Your Content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process, applicable laws or government requests; (b) enforce these Terms of Use; (c) respond to claims that any Your Content violates the rights of third parties; or (d) protect the rights, property, or personal safety of Piiggy Bank., its Users and the public. The technical processing and transmission of Your Content may involve transmissions over various networks and changes to conform to technical requirements of connecting networks or devices.
• Play Nice.
You agree to follow the Piiggy Bank Acceptable Use Policy. Do not infringe the intellectual property and personal rights with Your Content. You accept responsibility if Your Content violates the intellectual property or personal rights of others. You agree to pay all royalties, fees, and any other monies owed to any person by reason of any of Your Content. We are not obligated, but reserve the right, to remove or suspend, in whole or part, Your Content that violates the Piiggy Bank Acceptable Use Policy or for any other reason.

4. Copyright and Trademark Policies
The Piiggy Bank Copyright Policy and Piiggy Bank Trademark Policy are incorporated by reference into this Agreement. If you believe that your intellectual property is being violated on the Service, you can submit a complaint and request for takedown of specific material at Support@PiiggyBank.com.com.

5. Our Content and Materials
• Data.
You own Your Content and User Generated Content. Piiggy Bank, collects and stores data about Piiggy Bank, Hosts, and Members (“Data”) in order to run the Service more effectively and efficiently. Our Privacy Policy explains how we do this, and your rights to opt out.
• Our Content and Materials
All right, title, and interest in the Service, including the Piiggy Bank buttons, badges, logos, widgets, text, images, design, software, documentation, source code, algorithms, graphics, photographs, video and audio files, other files, data, and the selection, arrangement, structure, coordination, and “look and feel” thereof (excluding Your Content, User Generated Content, third-party web services or third-party content linked to or posted within the Service) (collectively “Our Content and Materials”) are the property of Piiggy Bank. and/or its licensors Copyright ©2018 Mighty Software Inc. and/or its licensors. The Piiggy Bank name and logo, the Piiggy Bank mark, the Piiggy Bank logo are trademarks and service marks of Piiggy Bank. We retain all right, title, and interest in and to the Data and Our Content and Materials. Except as expressly provided in these terms, you agree not to use, modify, reproduce, distribute, sell, license, reverse engineer, decompile, or otherwise exploit Our Content and Materials or Data without our express written permission.
• Our Licenses to You.
Subject to these terms, including our Piiggy Bank Acceptable Use Policy, we grant you a limited, non-exclusive license to use and access Our Content and Materials and the Service. If you are a Host, subject to these terms, we also grant you a limited, non-exclusive license to use and access certain Data for the purpose of maximizing Member engagement and facilitating communications. We may terminate this license at any time for any reason. Except for the rights and license granted in these terms, we reserve all other rights and grant no other rights or licenses, implied or otherwise.
• No Endorsement or Screening.
Please note that the Service contains access to third-party content and other interactions over which we have no control. We assume no responsibility for, nor do we endorse, screen, or approve the content, offerings, or materials made available to you within a Piiggy Bank, or the conduct of parties who participate in a Piiggy Bank.

You represent and warrant that you have full right and authority to use the Content and to be bound by these Terms. You agree that you will comply fully with these Terms and all applicable domestic and international laws, regulations, statutes, ordinances that govern your use of the Content. Without limiting the foregoing and in recognition of the global nature of the Internet, you agree to comply with all local and international rules regarding online conduct. You also agree to comply with all applicable laws affecting the transmission of content or the privacy of persons. When using the Site or Content, you may not, nor may you assist other parties to pursuit or engage in unlawful or abusive uses, or any types of activities which contradict the purpose of the Site or Content, hinder the Site’s operation or Content to other users, or which may be deemed to do so (“Restricted Uses”). For Clarity and reference, Restricted Uses include, but are not limited to, these types of activities as detailed herein, as we may amend from time to time in our sole discretion (thus, not to be regarded as an exhaustive list):

a. Unlawful Activities, such as activities which:

• i. violate any applicable law, rule or regulation; or
• ii. publish, distribute or disseminate any unlawful material or information;

b. Undermining or Abusive Activities, such as activities which:

• i. take any action that imposes an unreasonable or disproportionately large load on our infrastructure, or detrimentally interfere with, intercept, or expropriate any system, data, or information;
• ii. institute, assist or become involved in any type of attack (deliberate or other), including distribution of a virus, attacks upon the Content, the Piiggy Bank™, that prevent access to or use of any of the above, other attempts to disrupt any of the above, gain unauthorized access to any of the above, or disrupt any other person’s use or enjoyment of any of the above;
• iii. enter or make an attempt to enter the Site and Content (including by accessing linked platforms, networks or systems) unauthorized, including by password mining and/or by using other users information;
• iv. design or assist in designing cheats, exploits, automation software, bots, hacks, modes or any other unauthorized third-party software to modify or interfere with the Site or Content;
• v. attempt to disable or circumvent any security or access control mechanism of the Site or Content;
• vi. use any unauthorized third-party software that accesses, intercepts, ‘mines’, or otherwise collects information from or through the Content or the Site, or that is in transit from or to the Site;
• vii. bypass any robot exclusion headers or other measures Piiggy Bank uses to restrict access to the Content or use any software, technology, or device to send content or messages, scrape, spider, or crawl the Content, or harvest or manipulate data;
• viii. solicit another person’s password or other personal information under false pretenses;
• ix. copy, modify, or create derivative works of the Content or the Site;

c. Activities Abusive to Other Users or Their Rights, such as activities which:

• i. Interfere with other Users ability to exploit or access the Site or any of the Content;
• ii. attempt to, or harass, abuse, or harm of another person or entity, including Bancor employees and service providers;
• iii. collect, harvest or post anyone’s private information, in any media format;
• iv. impersonate another user or otherwise misrepresent yourself;
• v. violate the legal rights of others, including defaming, abuse, stalking or threatening users; vi defraud any other Users or any other person, including Piiggy Bank employees and service providers, including by providing false, inaccurate, misleading, or partial information.

d. Activities Infringing Intellectual Property, such as activities which:

• i. reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for any underlying software or other intellectual property used to provide the Content, or to obtain any information from the Content using any method unless you have received Piiggy Bank’s prior written approval;
• ii. infringe the intellectual property rights, privacy rights, or moral rights of any third party or Piiggy Bank;

e. Unfair or Abusive Transacting, such as activities which:

• i. create or enter a fictitious transaction or a transaction with fictitious elements of any kind;
• ii. exploit, disrupt or manipulate, or attempt to exploit, disrupt or manipulate the Site or the use of the Content, in a manner designed to create transaction conditions which are not available to other Users;
• iii. utilizes or applies technological abilities or foreknowledge not exploited or available to other Users, to perform (including off Site) transactions parallel to those performed by Users on the Site, and/or create unequal terms among Users regarding the use of Content on the Site, or influence the terms of transactions on the blockchain (including activities commonly referred to as Front-Running) and/or create an unfair or abusive advantage over other Users; Violation of any of these Restricted Uses may be cause for the taking of legal actions on the part of Piiggy Bank according to the law, in addition to any right and remedies set forth hereunder or under any applicable law. Without derogating from the above, by accepting these Terms, you acknowledge that Piiggy Bank makes no representation or warranty regarding its ability, nor assumes any liability, to detect, limit or prevent any Restricted Use.

7. Rights and Obligations 
• Contact Information of Members.
The name and contact information of Members who register to join a specific Piiggy Bank is made available to that Piiggy Bank’s Members in order to facilitate communications. A Member may use the contact information of Members solely to communicate with a Member for purposes related to the Piiggy Bank or the reasonably assumed interests of the Member who has joined the Piiggy Bank.
• Member Data.
Members are provided access to certain Data, which may be aggregated or personalized, in order to facilitate Member engagement and communications. The Member may not sell or share Data accessible from the Service to third parties.

8. Integrated Services
You may enable various online services like ActOrganizer, Facebook, Instagram, and others to be integrated into your Piiggy Bank Account. For example, you may be able to share or access your Piiggy Bank activity on Integrated Services such as Facebook. To take advantage of these features, we may ask you to register for or log into the Integrated Services on the websites of their providers. By enabling Integrated Services in connection with the Service, you are allowing us to pass to, and receive from, these Integrated Services your login information and other Data for use in connection with the Service and/or the Integrated Services. For more information about the implications of activating these Integrated Services and our use, storage, and disclosure of information related to you and your use of such services within Piiggy Bank (including your friend lists and the like), please see our Privacy Policy. However, please remember that your use of any Integrated Services, and the manner in which any Integrated Services offer or perform their services and collect, use, store, and disclose your information is governed solely by the terms of use, privacy policies, and other policies of such third parties, and we shall have no liability or responsibility for the privacy practices or other actions of any Integrated Services or any other third party site or service, whether or not they are directly enabled within the Service.

9. Disclaimers and Limitation of Liability
PLEASE READ THIS SECTION CAREFULLY SINCE IT LIMITS THE LIABILITY OF PIIGGY BANK. ENTITIES TO YOU. “PIIGGY BANK. ENTITIES” MEANS PIIGGY BANK., AND ANY SUBSIDIARIES, AFFILIATES, RELATED COMPANIES, SUPPLIERS, LICENSORS AND PARTNERS, AND THE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND REPRESENTATIVES OF EACH OF THEM. EACH PROVISION BELOW APPLIES TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW:
• WE ARE PROVIDING YOU THE SERVICE, ALONG WITH OUR CONTENT AND MATERIALS AND THE OPPORTUNITY TO CONNECT WITH OTHERS, ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. WITHOUT LIMITING THE FOREGOING, PIIGGY BANK. ENTITIES EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, TITLE, ACCURACY AND COMPLETENESS, UNINTERRUPTED OR ERROR-FREE SERVICE, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, AND NONINFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR TRADE USAGE.
• PIIGGY BANK. MAKES NO PROMISES WITH RESPECT TO, AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR: (i) CONTENT POSTED BY ANY MEMBER, HOST, OR THIRD PARTY, (ii) ANY THIRD-PARTY WEBSITE, THIRD-PARTY PRODUCT, OR THIRD-PARTY SERVICE LISTED ON OR ACCESSIBLE TO YOU THROUGH THE SERVICE, INCLUDING AN INTEGRATED SERVICE PROVIDER (iii) THE QUALITY OR CONDUCT OF ANY THIRD PARTY, HOST, OR MEMBER YOU ENCOUNTER IN CONNECTION WITH YOUR USE OF THE SERVICE. PIIGGY BANK. MAKES NO WARRANTY THAT (a) THE SERVICE OR ANY PIIGGY BANK WILL MEET YOUR REQUIREMENTS, (b) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (c) THE RESULTS OR INFORMATION THAT YOU MAY OBTAIN FROM THE USE OF THE SERVICE, OR ANY PIIGGY BANK, WILL BE ACCURATE OR RELIABLE, OR (IV) THE QUALITY OF ANY PIIGGY BANK, PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE.
• YOU AGREE THAT UNDER THE MAXIMUM EXTENT PERMITTED BY LAW, PIIGGY BANK. ENTITIES WILL NOT BE LIABLE TO YOU UNDER ANY THEORY OF LIABILITY. WITHOUT LIMITING THE FOREGOING, YOU AGREE THAT PIIGGY BANK. ENTITIES SPECIFICALLY WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR EXEMPLARY DAMAGES, LOSS OF PROFITS, BUSINESS INTERRUPTION, REPUTATIONAL HARM, OR LOSS OF DATA (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR SUCH DAMAGES ARE FORESEEABLE) ARISING OUT OF IN ANY WAY CONNECTED WITH YOUR USE OF, OR INABILITY TO USE, THE SERVICE.
• YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICE IS TO STOP USING THE SERVICE.
• WITHOUT LIMITING THE FOREGOING, PIIGGY BANK.’S MAXIMUM AGGREGATE LIABILITY TO YOU FOR LOSSES OR DAMAGES THAT YOU SUFFER IN CONNECTION WITH THE SERVICE OR THIS AGREEMENT IS LIMITED TO THE AMOUNT PAID TO PIIGGY BANK. IN CONNECTION WITH THE SERVICE IN THE TWELVE (12) MONTHS PRIOR TO THE ACTION GIVING RISE TO LIABILITY.

10. Indemnification
You agree to release, indemnify, and defend Piiggy Bank. Entities from all third-party claims and costs (including reasonable attorneys’ fees) arising out of or related to: i) your use of Service, ii) Your Content, iii) your conduct or interactions with other Members of the Service) or your breach of any part of this Agreement. We will promptly notify you of any such claim, and will provide you (at your expense) with reasonable assistance in defending the claim. You will allow us to participate in the defense, and will not settle any such claim without our prior written consent. We reserve the right, at our own expense, to assume the exclusive defense of any matter otherwise subject to indemnification by you. In that event, you will have no further obligation to defend us in that matter.

11. Dispute Resolution, Arbitration, and Class Action Waiver
We hope that our customer success team can resolve any issues you may have. However, if that does not work, then both parties agree to resolve any dispute arising out of these terms exclusively by individual, binding arbitration. The term “dispute” is to be given the broadest possible meaning that will be enforced, and will include disputes related to your use of the Service, this Agreement (including the scope of this provision), regardless of whether such disputes are based in contract, tort, statute, fraud, unfair competition, or some other legal theory. Disputes regarding privacy shall be resolved by the mechanisms outlined in our Privacy Policy.
The arbitration process can be a faster, simpler, less formal, and less expensive route than filing a lawsuit and going to court. In arbitration you are still entitled to a fair hearing, but your rights will be determined by a neutral arbitrator (and not a judge or jury). Arbitrator decisions are as enforceable as any court order, and are subject only to very limited review by a court. Each party is giving up the right to sue in court and to have a trial before a judge or jury.
Each party here agrees to try in good faith for 30 days to informally resolve any dispute before starting arbitration. A party who intends to seek arbitration must first send the other a written notice that describes the nature and basis of the dispute as well as the relief sought. If you want to send such a notice to us, send it to Support@PiiggyBank.com.com. If we want to send such a notice to you, we will send it to the email address associated with your account. If the parties do not reach an agreement to resolve the dispute within 30 days after the date the notice was sent, then the parties may start arbitration as described below.
The American Arbitration Association (AAA) will administer the arbitration, and the arbitration will be governed by the AAA’s Commercial Arbitration Rules and Supplementary Procedures for Consumer Related Disputes, as modified by these terms. Those rules and information about how to start arbitration are available at www.adr.org or by calling 1-800-778-7879. The arbitrator is bound by these terms. The arbitration will be conducted through the submission of documents, by phone, or in person in the county where you live or at another mutually agreed location.
The arbitrator’s award will be final and specifically enforceable under applicable law, and judgment may be entered upon it in any court with jurisdiction. The arbitration costs, including arbitrator compensation, will be shared between you and us according to the AAA’s Commercial Arbitration Rules and Supplementary Procedures for Consumer-Related Disputes.
Any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. By agreeing to these terms, you are waiving the right to participate in a class action. Further, unless the parties mutually agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding. If this waiver is found to be illegal or unenforceable, then the parties agree that this entire section will be unenforceable, that any dispute will be resolved exclusively in a state or federal court located in Santa Clara County, California, and that the parties both submit to the personal jurisdiction of such courts. If a claim proceeds in court rather than through arbitration, the parties waive any right to a jury trial.
This section does not: (i) prevent either party from litigating any dispute in small claims court; (ii) apply to disputes arising out of or related to infringement or other misuse of our intellectual property rights; or (iii) prevent either party from bringing a dispute to the attention of any federal, state, or local government agencies.
If you do not want to be bound by this binding arbitration provision and class action waiver, you must notify us within 30 days of the date that you first accept or receive these terms by sending a written notification to Support@PiiggyBank.com.com that includes your actual name and Piiggy Bank user name, address, and a clear statement that you do not wish to resolve disputes with us through arbitration.

12. General Legal Terms
• Changes to these Terms.
We may amend this Agreement (including any policies, such as the Privacy Policy, Piiggy Bank Acceptable Use Policy, Piiggy Bank Copyright Policy , and Piiggy Bank Trademark Policy that are incorporated into this Agreement) at any time in our sole discretion. If we amend the terms to this Agreement, such amendment will be effective after we send you notice of the amended agreement. Such notice will be in our sole discretion and manner of notification could include, for example, via email, posted notice on the Service, or other manner. You can view the Agreement at any time. Your failure to cancel your account, or cease use of Piiggy Bank, after receiving notification of the amendment, will constitute your acceptance of the amended terms. If you do not agree to the amendments or to any of the terms in this Agreement, your only remedy is to cancel your account or to cease use of Piiggy Bank.
• Governing Law and Jurisdiction.
You agree that Piiggy Bank is operated in the United States and will be deemed to be solely based in California and a passive service for purposes of jurisdictional analysis. For any claims for which arbitration is inapplicable, you agree that such claims will be brought in federal or state court in Santa Clara County, California and governed by laws of the state of California, without regard to any conflict of law provisions.
• Use Outside of the United States.
Piiggy Bank. expressly disclaims any representation or warranty that the Service complies with all applicable laws and regulations outside of the United States. If you use the Service outside of the United States, you expressly understand and agree that you are responsible for determining compliance with different laws, regulations, or customs that may apply in connection with your use of the Service.
• Export.
The Service is controlled and operated from our United States offices in California. Piiggy Bank software is subject to United States export controls. No software for Piiggy Bank may be downloaded or otherwise exported or re-exported in violation of any applicable laws or regulations. You represent that you are not (1) located in a country that is subject to a U.S. government embargo, or that has been designated by the U.S. government as a “terrorist supporting” country, and (2) listed on any U.S. government list of prohibited or restricted parties.
• Applications and Mobile Devices.
If you access the Service through a Piiggy Bank mobile application, you acknowledge that this Agreement is between you and Piiggy Bank. only, and not with another application service or application platform provider (such as Apple, Inc. or Google Inc.), which may provide you the application subject to its own terms. To the extent you access the Service through a mobile device, your wireless service carrier’s standard charges, data rates, and other fees may apply.
• Survival.
The following provisions will survive expiration or termination of this Agreement: Sections 1(f)(Termination), 1(g)(Feedback), 2(b)-(c)(Your Content and Your Responsibilities for Your Content), 4(a)(Data) and 4(b)(Our Content and Materials), Section 5(c)(Representation and Warranty of Hosts), any outstanding payment obligations pursuant to Section 7(Premium Services) and Sections 8-11.
• Notice for California Users.
Under California Civil Code Section 1789.3, California web users are entitled to the following specific consumer rights notice: The Service is provided by Piiggy Bank., located in Palo Alto, California. If you have a question or complaint regarding the Service, please contact Piiggy Bank at Support@PiiggyBank.com.com. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (916) 445-1254 or (800) 952-5210 or Hearing Impaired at TDD (800) 326-2297 or TDD (916) 322-1700.
• Government End Users.
Any Piiggy Bank software and related documentation are “Commercial Items,” as that term is defined at 48 C.F.R. §2.101, consisting of “Commercial Computer Software” and “Commercial Computer Software Documentation,” as such terms are used in 48 C.F.R. §12.212 or 48 C.F.R. §227.7202 (as applicable). Consistent with 48 C.F.R. §12.212 or 48 C.F.R. §227.7202- 1 through 227.7202-4 (as applicable), the Commercial Computer Software and Commercial Computer Software Documentation are being licensed to U.S. government end users: (i) only as Commercial Items; and (ii) with only those rights as are granted to all other end users pursuant to this Agreement.
• Assignment.
You may not assign or transfer this Agreement (or any of your rights or obligations under this Agreement) without our prior written consent; any attempted assignment or transfer without complying with the foregoing will be void. We may freely assign or transfer this Agreement. This Agreement inures to the benefit of and is binding upon the parties and their respective legal representatives, successors, and assigns.
• Electronic Communications.
You consent to receive communications from us by email in accordance with this Agreement and applicable law. You acknowledge and agree that all agreements, notices, disclosures, and other communications that we provide to you electronically will satisfy any legal requirement that such communications be in writing.
• Entire Agreement / Sever-ability.
This Agreement supersedes all prior terms, agreements, discussions and writings regarding the Service and constitutes the entire agreement between you and us regarding the Service, except as provided for in Section 7. If any provision in this Agreement is found to be unenforceable, then that provision will not affect the enforceability of the remaining provisions of the agreement, which will remain in full force and effect.
• Interpretation.
In construing or interpreting the terms of this Agreement: (i) the headings in this Agreement are for convenience only, and are not to be considered, and (ii) no presumption is to operate in either party’s favor as a result of its counsel’s role in drafting this Agreement.
• Notices.
All notices permitted or required under this Agreement, unless specified otherwise in this Agreement, must be sent in writing as follows in order to be valid: (i) if to you, by us via email to the address associated with your account, and (ii) if to us by you via Support@PiiggyBank.com.com. Notices will be deemed given (a) if to you, when emailed, and (b) if to us, on receipt by us.
• Relationship.
This Agreement does not confer any third-party beneficiary rights and does not create a joint venture, agency, partnership, or other form of joint enterprise between you and us. Except as expressly provided herein, neither party has the right, power, or authority to create any obligation or duty, express or implied, on behalf of the other.
• Waiver.
No waiver of any terms will deemed a further or continuing waiver or such term or any other term. Our failure to assert a right or provision under this Agreement will not constitute a waiver of such right or provision.
• Further Assurances.
You agree to execute a hard copy of this Agreement and any other documents, and take any actions at our expense that we may request to confirm and affect the intent of this Agreement and any of your rights or obligations under this Agreement.
• Contact.
Feel free to contact us at Support@PiiggyBank.com com with any questions about these terms.
• Agreement to Terms.
When you use the Service, you agree to the terms of use set forth in this agreement (including the Privacy Policy and Piiggy Bank Acceptable Use Policy), regardless of whether you are a registered user.
• Changes to the Service.
We are always trying to improve your experience on the Service. We may need to add or change features and may do so without notice to you.

Welcome to Piiggy Bank!
Piiggy Bank is a Service of Piiggy Bank. All visitors to our Service (“Visitors”) who register with the Service and join Piiggy Bank are Members or Hosts. Hosts are the organizers of Piiggy Bank. Members register and participate in Piiggy Bank. Hosts decide who can join their Piiggy Bank and whether they choose to run advertising or paid Member subscriptions on their Piiggy Bank. This Privacy Policy describes how we, Piiggy Bank, obtain and use information about you and your visits to our website at mightynetworks.com and your participation in Piiggy Bank and your use of Piiggy Bank mobile applications. To offer the personalized experience of Piiggy Bank, we collect personal information about you (“Personal Data”). This policy describes how we collect, use, and share your Personal Data with Piiggy Bank and other Members in connection with your use of the Service, including our mobile applications. Unless defined here, capitalized words have the same meaning as in the Piiggy Bank Terms of Use, which this Privacy Policy is part of.
1. Information we collect and how we use it
When you visit our website, join or create a Network, interact with us or Piiggy Bank through the Service, or use our mobile applications, we, as the service provider for Piiggy Bank, collect Personal Data and other information from you (collectively, “Data”). We use your Personal Data to be able to provide the Service to you:
• We collect Personal Data when you share it voluntarily.
• We collect some Personal Data automatically when you visit our website, use the Service or use our Piiggy Bank mobile application(s).
• We use your Personal Data to provide and improve the Service, understand how you and other Members are using Piiggy Bank and to inform you about products and services that may be of interest to you.
• Data does not include Your Content or User Generated Content. As we explain in our Terms of Use, you (and the people you license Your Content from) keep complete ownership of all Your Content. By posting Your Content on the Service, you grant us a license to use it, but you and your licensors still own it.
1. Personal Data you provide directly
‘Personal Data or Personal Information’ means any information relating to you from which you can be identified, directly or indirectly, including your name, identification number, location, online identifier such as your IP address or device ID, or one or more factors specific to your physical, physiological, genetic, mental, economic, cultural or social identity.
‘Special Categories of Personal Data’ means data revealing your racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, and data concerning your health, sex life or sexual orientation.
‘Aggregated Data’ is data in a summary form for statistical analysis. A common purpose of aggregation is to get more information about particular groups based on specific variables such as age, profession, or income level.
‘Pseudonymisation’ means the processing of your personal data in a way that the personal data can no longer identify you without the use of additional information, so long as the additional information is kept separately and is subject to technical and organizational measures to prevent you from being identified or identifiable.
We store and use your Personal Data together with an ID we assign each time you join a new Piiggy Bank. We assign you one ID per Piiggy Bank to ensure you have a personalized experience in each one.
Name and Email Address. When you register as a Host or Member of Piiggy Bank, we ask you for your real name and your email address. Both we and the Host of the Piiggy Bank receive access to this information and use it to communicate with you about the Service. In addition, we and Piiggy Bank may use this address to email you about products or services believed to be of interest to you. If you are a paying Host or Member, we may also collect your mailing address and zip code for billing purposes. Hosts may decide to collect your mailing address, via our Services.
Social Media Profiles. You may also be allowed to register with your Facebook, Google, Twitter, or LinkedIn account. When you register this way, you give us permission to access your Facebook, Google, Twitter, or LinkedIn profile and photo. Your profile and photo will become part of your Piiggy Bank profile. See below for more information on Integrated Services like Facebook, Google, Twitter, and LinkedIn.
Profiles and Topics. When you join Piiggy Bank, you will be prompted to add a profile, including a short bio, and to choose topics, people, and/or groups. From this information, Piiggy Bank personalizes your experience in each Piiggy Bank. Piiggy Bank can also choose and customize categories of Personal Data to collect from you including, if you agree, Special Categories of Personal Data.
Your Location. We ask you for your location so that we can facilitate interactions with other Members in your geographic area. In addition, if you opt-in our mobile app collects your GPS location information. If you enable location features, or do not disable GPS on your mobile device, other Members may be able to see your location.
Other Personal Data You Provide Directly. You may also provide us Personal Data when you use certain features of the Service such as participating in conversations or polls in your Networks, contact us with inquiries, or respond to one of our surveys.
1. Personal Data and Information we collect automatically
You have the option of registering using an Integrated Service, such as Facebook. If you choose to do this, your profile picture and other Personal Data in your profile on the Integrated Service will become part of your profile on Piiggy Bank. Please see the section below on Integrated Services for more detail.
Information About Your Use of the Service. Our servers automatically record your visits to the Service. Like all other website and mobile app servers, ours compiles a log that records the date, time, browser (i.e., Firefox), device type (i.e., iPhone), operating system (i.e. Android), and originating IP address of each page you visit.
We use cookies to collect information about your visits to our website and Service. Cookies are text files placed on your computer by websites to collect standard log information and visitor behavior information. Our cookies collect the following information about you: which website or ad you visited right before ours, which pages you visited on our Service, and how much time you spent on each section of our Service. We may also collect other data about your visit, such as search requests and results. We use this information for our legitimate interests to track usage of our Service, to measure the number of unique visitors to the different sections of our Service, to understand how Members find and join Piiggy Bank, and to help us make our Service more valuable to every Host and Member. The use of this information is called “analytics.” Often information used for analytics is aggregated.
Our mobile applications on iOS (Apple) and Android (Google) have to interact with our computer servers. We assign your device a token so that you do not have to log in every time you use the Service via our mobile apps.
You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some of our Service features may not work properly without cookies. Most browsers accept cookies automatically but allow you to disable them. For more information about cookies visit https://www.allaboutcookies.org.
Information About Your Location. From your IP address, we can tell generally where you are when you are accessing our Service, such as which city. We start by choosing a location for you based on the IP address of your Internet connection. You can update or remove this location at any time by logging in to your account on the Service.
1. Personal Data and Information Third Parties collect automatically
Third-Party Cookies for Site Use Analysis. We use third parties such as Google to help us analyze how people are using our Service. We also use the Google Analytics service to provide us with demographic data about our Hosts and Members, such as age and gender. Google uses a cookie that can be recognized by Google or its affiliate DoubleClick when you visit other websites. For more information about how Google collects, uses, and shares your information, please visit the Google Privacy Policy-Partners website at https://www.google.com/policies/privacy/partners/.
Third-Party Cookies Used to Target Ads to You When You Use the Service or are on Other Websites. “Beacons” are transparent pixel images that are used in collecting information about website usage across websites and over time. Our Hosts may use their own or third party cookies or beacons to target Host ads to you when you visit other websites. Our Hosts may also work with other companies who use their cookies or beacons to target third party ads to you on other websites based on your prior visits to the Host’s Network on our website Service. This is called online behavioral advertising (“OBA”), because you receive ads based on your prior online behavior. We do not have access to these cookies; it is third parties who engage in OBA.
1. Our Sharing of your Personal Data and other information
We consider personalizing your Piiggy Bank experience an important part of our Service. We want you to understand what Personal Data gets shared with Piiggy Bank, other Members of your Piiggy Bank, other Hosts or Members of our Service, and other third parties as part of the Service.
‘Third Party’ means a person or company who is not a Host or another Network Member, and government bodies and public agencies and authorities. Third Parties include our service providers whom we authorize, through a data processing agreement, to process your personal data or information to help us with: development, maintenance, and support of our websites and mobile applications, marketing and advertising, marketing research and analysis, communications, and customer service. We do not permit our Third Party service providers to use your personal data for any other purpose. We do not share Personal Data with any person or company unless we have an agreement with them that controls their use of the data.
‘Processing’ or ‘Process’ means any operation or set of operations performed on personal data or on sets of personal data, including by automatic methods, such as collecting, recording, organizing, structuring, storing, adapting or altering, retrieving, consulting, using, disclosing, transmitting, sharing or otherwise making available, aligning or combining, restricting, erasing or destroying.
‘Consent’ or ‘Agree’ means your freely given, specific, informed and unambiguous expression of your wishes through a statement or other clear affirmative action such as checking a box which indicates your agreement to our processing of personal data relating to you.
If you are not comfortable with this type of sharing, don’t use our Service.
1. Personal Data shared within the Service
Piiggy Bank. Piiggy Bank. Piiggy Bank, or Hosts if are there more than one, will have access to your name, email address, and all personal or contact information that you provide when you register for that Host’s Piiggy Bank. In order to facilitate Member engagement, our Host will also have access to Data regarding your usage activity, in both aggregated and personally identifiable forms. For example, Hosts will be able to see aggregated Member activity within Piiggy Bank, as well as specific information like how many people cheered in response to a comment you made. Piiggy Bank also will be able to associate Your Content, and any Personal Information it contains, with your contact information. If you have agreed, Piiggy Bank may communicate with you outside of the Service about the Piiggy Bank or relevant topics of interest to you, and may retain your personal information after you leave the Piiggy Bank. You should only join Piiggy Bank if you are comfortable sharing your personal information with the Host of that Piiggy Bank.
Searching and Messaging by Others. Visitors to our Service may be able to search for you by your name and location if you are a Member of Piiggy Bank. Members of your Piiggy Bank can search for you by location, Topics, or other personal information so that they may message you within the Piiggy Bank. Whether your information is available to other Visitors and Members depends on whether the Piiggy Bank is Public, Private, or Secret.
Public, Private, and Secret Piiggy Bank. A Host can select whether to make Piiggy Bank Public, Private, or Secret.
• In Public: Piiggy Bank, all Visitors (including Hosts and Members) can see your name and photo (“Profile”), as well as Your Content and activity. Unless Piiggy Bank specifies otherwise, in a Public Piiggy Bank, search engines like Google index all public activity, including Profiles. In a Private Piiggy Bank, only Hosts and other Members can see Profiles, Your Content, and activity.
• In Private: Piiggy Bank, any Visitor can find the Piiggy Bank, but cannot enter without an invitation or membership request approval.
• In Secret: Piiggy Bank, only Admins or other Members of that Piiggy Bank can see Profiles, Your Content, and activity. Only Members directly invited can find a Secret Piiggy Bank area or content. It is not available to search engines.
Personal Information Included in Your Content. If you include personal information in Your Content, it will be displayed to other Members based on the privacy levels defined above.
1. Personal Data and Information shared with Third Parties
Integrated Services. If you have used the option to register using an Integrated Service, such as Facebook, we share your information with the operators of the Integrated Service. More information is in the sections below entitled “Integrated Services.”
Business Transfers. As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution, or similar event, Personal Data may be part of the transferred assets.
Agents, Consultants and Third Parties Whom We Have Contracts With. Piiggy Bank, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples include emailing information to you, maintaining our website, databases and mobile applications, processing payments, marketing and advertising, marketing research and analysis, and customer service. When we employ another company to perform a function of this type, we only provide them with the Personal Data and Information they need to perform their specific function and we do not authorize these service providers to use or disclose your personal information except as necessary to perform the tasks we have asked them to do for us or to comply with legal requirements.
If you would like a list of the Third Parties we use to assist us with our personal data or information needs, please email us at Support@PiiggyBank.com
Legal Requirements. We may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) cooperate with a legal investigation or a request from a government authority, (iii) protect and defend the rights or property of Piiggy Bank, (iv) protect the legal rights, safety, and security of users of our website and the Service, (v) protect our legal rights and legitimate interests, and those of our business partners, service providers, and customers; (vi) prevent fraud; (vii) act in urgent circumstances to protect the personal safety of users of the Service or the public, or (v) protect against legal liability.
1. Aggregated data shared
We disclose aggregated statistics, such as number of Hosts and Members, in order to describe our Service to current and prospective business partners, and to our Third Party service providers for our legitimate interests and other lawful purposes.
1. Your Personal Data Rights
You have rights regarding the Personal Data and Information we have about you.
You may object to, or restrict, our collection, use, sharing, transfer and/or storage of your personal information. You may also request a copy of the information that we have about you. You may also ask us to correct or remove personal information you think is incorrect.
If a Host (the data controller) is using the Service to process your personal information, you may contact the Host to object, restrict, access, correct or delete your personal information. If you need help finding contact information for Piiggy Bank’s privacy officer, please contact us using our contact information below.
If you have a registered account in the Service, you may object, restrict, access, correct, or request deletion or a copy of some or all of your Personal Data or Information by logging in to your account.
If you do not have a registered account in the Service and you would like to object, restrict, access, correct, delete, or request a copy of some or all of your personal information, please email, write, or call us at the following address: Support@PiiggyBank.com. Piiggy Bank – 5250 Lankershim Blvd. Suite 500, North Hollywood, CA 91601.
We will respond to your request within a reasonable period of time.
Please note, we will keep your personal information for as long as necessary for us to provide the Service to you. We will also keep and use your personal data or information to comply with laws including tax laws and other applicable laws. We will also keep your Personal Data and Information as necessary for backup, archiving, audit, preventing fraud, resolving disputes, and troubleshooting problems.
If you are located in the European Union (EU), European Economic Area (EEA) or Switzerland, please see also the EU-US and Swiss-US Privacy Shield section below about how to make complaints regarding personal data collected in the EU and transferred to the U.S. under the Privacy Shield Frameworks.
You may also make a privacy or data use complaint about us to the Data Protection Authority in the EU/EEA Member State where you live or work by visiting the Office of the Data Protection Commissioner list of Data Protection Authorities at https://www.dataprotection.ie/docs/European-Functions-Useful-Links/b/99.htm.
1. Your choices
2. Join Piiggy Bank and Hosts you trust
You get to decide if you want to join Piiggy Bank. You also get to decide whether you trust Piiggy Bank with the information sharing described in this policy.
1. Public, Private, or Secret Piiggy Bank settings
We can choose to make Piiggy Bank Public, Private, or Secret as described above.
1. Adjust your notification settings
In your account settings, you can control the frequency, type, and mode of notifications you receive through the Service. You can choose to be notified by email or mobile alerts, both, or neither. You can choose to turn on or off your notifications by type, such as cheers on your posts, and questions you can help answer.
1. Opt out of email
We would like to send you information about our services that you may be interested in. If you have agreed to receive marketing messages from us, you may opt-out at any time. We provide an opt-out link at the bottom of each email message.
Because we plan our communications in advance, it may take several weeks for your opt-out request to take effect. If you continue to receive marketing messages from us after you opt-out, please let us know so that we can investigate the situation.
1. Opt out of Google Analytics
To prevent your data from being used by Google Analytics, click here for instructions.
1. Opt out of Google behavioral advertising
To opt out of Google behavioral advertising, click here to see your Google ad settings.
1. Opting out of tracking
Please see our Cookie Policy for important information about non-Google cookies that are placed by us or by our business partners on your computer, mobile phone or other device and how to opt out. We do not have access to, nor does this Privacy Policy govern, the use of cookies or other tracking technologies that may be placed on your computer, mobile phone, or other device by non-affiliated, third-party ad technology, ad servers, ad networks, or any other non-affiliated third parties. If you would like to learn more about OBA or to opt out of having this information used by companies that are part of the Network Advertising Initiative to deliver targeted ads, please visit https://www.networkadvertising.org/managing/opt_out.asp, or if you are located in the European Union/European Economic Area, please visit European Interactive Digital Advertising Alliance (EDAA) Your Online Choices website at http://www.youronlinechoices.eu/. Please note you will continue to receive generic ads.
1. Deleting cookies
To manage or delete browser cookies, please see your browser’s privacy settings.
1. Account termination
You can leave Piiggy Bank, or delete your Piiggy Bank account. As soon as you leave, we stop collecting your Personal Data for that Piiggy Bank. See this article for more information: https://faq.mightynetworks.com/hc/en-us/articles/204991129.
1. Exclusions
This Privacy Policy does not apply to any Personal Data collected by Piiggy Bank outside the Service, such as a telephone call. This Privacy Policy does not apply to any unsolicited information you provide to Piiggy Bank through the Service or through any other means, such as information posted to any public areas of the Service, any ideas for new products or modifications to existing products, and other unsolicited submissions (collectively, “Unsolicited Information”). All Unsolicited Information shall be deemed to be non-confidential and Piiggy Bank shall be free to reproduce and use such Unsolicited Information without limitation or attribution. We respect your copyrights in Your Content, as outlined in our Terms of Use.
If Piiggy Bank has an additional privacy policy covering the Host’s use of Personal Data, you should review it carefully, because it may be different than this Privacy Policy.
1. Disputes with Members
Piiggy Bank cannot control the actions of other Members; if you have a privacy-related dispute with a Member, you should contact that person directly. You should alert us Support@PiiggyBank.com if you believe that a Host or another Member has violated this Privacy Policy or our Terms of use.
1. Children
Piiggy Bank does not knowingly collect Personal Data from children under the age of 13. If you are under the age of 13, please do not use the Service or submit any Personal Data through the Service. If you have reason to believe that a child under the age of 13 has provided Personal Data to Piiggy Bank through the Service, please contact us at Support@PiiggyBank.com and we will look to delete that information from our databases.
1. Links to other web applications
This Privacy Policy applies only to the Service. The Service may contain links to other websites not operated or controlled by Piiggy Bank (the “Third Party Sites”). The policies and procedures we described here do not apply to the Third Party Sites. The links from the Service do not imply that Piiggy Bank endorses or has reviewed the Third Party Sites. We suggest contacting those sites directly for information about their privacy policies and practices.
1. Integrated services
One of the special features of the Service is that it allows you to enable various online Third Party services, such as social media and social networking services like Facebook and LinkedIn (each, an “Integrated Service”), to integrate directly into your Piiggy Bank. By directly integrating these services, we make your use of Piiggy Bank richer and more personalized. To enable Integrated Services, we will ask you to authorize Piiggy Bank to access the Integrated Services (or vice versa). When you add an Integrated Service account to Piiggy Bank (or vice versa), your log-in information, Personal Data, non-personal data, location information, your content, your Piiggy Bank name, your Piiggy Bank location, your Piiggy Bank affiliation, profile photo, Facebook Connect ID, Profile (if you are integrating your Facebook account) and other relevant personal information may be passed through to, or received from, the Integrated Service in connection with your use of the Service. We may import, use, disclose, and retain such data and information to, among other things, customize and improve the Service for you and others. Note that Integrated Services may also import, use, and retain this information. You may be able to control how certain information is shared with us in your privacy settings within the Integrated Services. However, please remember that the manner in which Integrated Services collect, use, store, and disclose your information is governed solely by the policies of the companies operating those Integrated Services, and we shall have no liability or responsibility for the privacy practices or other actions of any Integrated Service that may be enabled within the Service.
If, and only if, you have elected to integrate your Piiggy Bank with an Integrated Service, we may share your information with Integrated Services. This may happen when you first register with Piiggy Bank, when you log into Piiggy Bank from time to time, or in emails or other communications we may send you consistent with this Privacy Policy. We may from time to time share your Personal Data and anonymous data, your location information, your Piiggy Bank Membership, your Piiggy Bank URL, your location, and your use of certain features on Piiggy Bank with Integrated Services to facilitate and enhance your use of the Integrated Services. Please keep in mind that services provided by Integrated Services are not provided by us and therefore your use of the Integrated Services will be governed by the Integrated Services’ Terms of Use and other policies, and that the collection, use, and disclosure of information provided by you or us to Integrated Services is not governed by this Privacy Policy.
1. Security of Your Personal Data
We use appropriate technical and organizational measures including encryption, aggregation, and pseudonymization to protect your Personal Data provided via the Service from loss, misuse, and unauthorized access or use, disclosure, alteration, or destruction. However, no Internet, email, or other electronic transmission is ever 100% secure or error free, so we cannot guarantee that your Personal Data will never be accessed, used, or disclosed, so you should take special care in deciding what information you share on the Service.
“Phishing” is a scam designed to steal your Personal Data or Information. If you receive an e-mail that looks like it is from us asking you for information about you, please contact us.
1. Your California data privacy rights
California law permits Visitors who are California residents to request and obtain from us once a year, free of charge, a list of the Third Parties to whom we have disclosed their personal information for direct marketing purposes in the prior calendar year, as well as the type of personal information disclosed to those parties. If you are a California resident and would like to request this information, please submit your request in an email to Support@PiiggyBank.com.
1. Transferring your Personal Data to Other Countries
Our website and mobile applications are provided from within the United States and are subject to state and federal laws of the United States. If you are located outside the United States, your Personal Information is being transferred to, stored, used, and shared in the United States.
EU-US and Swiss-US Privacy Shield
Piiggy Bank strives to comply with the EU-US Privacy Shield Framework and the Swiss-US Privacy Shield Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of your Personal Information transferred from the European Union and Switzerland transferred into the United States under the Privacy Shield Frameworks.
We adhere to the Privacy Shield Principles of the EU-US and Swiss-US Privacy Shield Frameworks. To learn more, please visit the U.S. Department of Commerce’s Privacy Shield website at https://www.privacyshield.gov.
As explained above in this Privacy Policy in Section II(b), we sometimes share your Personal Information with Third Party service providers so they can perform services for us. Our business model does not allow us to share your Personal Information with Third Parties who are not our service providers. If that changes, we will seek your consent to share your Personal Information with them. See also Section IV(e), (f) and (g) for how to opt out of cookies. If we share Personal Information we have received under the Privacy Shield Frameworks with a Third Party, that Third Party’s access, use, and disclosure of your Personal Information must also comply with our Privacy Shield obligations. We may be liable for any failure by any of our Third Parties to comply with the Privacy Shield Principles unless we prove that we are not responsible for the event giving rise to the damage.
Under the Privacy Shield Frameworks, we are subject to the regulatory and enforcement authority of the U.S. Federal Trade Commission. In certain situations, we may be required to disclose Personal Information requested by government authorities, including for national security or law enforcement purposes.
In compliance with the Privacy Shield Principles, Piiggy Bank commits to resolve complaints about our collection or use of your Personal Information. If you are located in the European Union (EU), Switzerland or European Economic Area (EEA), and have a question or complaint regarding data collected in the EU, EEA or Switzerland and subsequently transferred to the U.S. under the Privacy Shield Frameworks, you should first direct your question or complaint to Support@PiiggyBank.com.com. You can also write or call us at the following address: Piiggy Bank, 5250 Lankershim Blvd. Suite 500, North Hollywood, CA 91601.
Piiggy Bank has further committed to refer unresolved privacy complaints under the Privacy Shield Principles to BBB EU PRIVACY SHIELD, a non-profit alternative dispute resolution provider located in the United States and operated by the Council of Better Business Bureaus.
If you do not receive timely acknowledgment of your complaint from us, or if we have not resolved your complaint, please visit https://www.bbb.org/EU-privacy-shield/for-eu-consumers for more information or to file a complaint. The services of the BBB EU Privacy Shield are provided free of charge to you.
Finally, as a last resort and in limited circumstances, EU & Swiss individuals with residual complaints may be eligible to request binding arbitration before a Privacy Shield Panel described on the Privacy Shield Annex I website found at https://www.privacyshield.gov/article?id=ANNEX-I-introduction.
1. Access to information; contacting us
We acknowledge the right of EU and Swiss individuals to access their personal data under the Privacy Shield. Section III (“Your Personal Data Rights”) explains how to contact us to access your data. To keep your Personal Data accurate, current, and complete, please update your account settings or contact us at the email address below. We will take reasonable steps to update or correct Personal Data in our possession that you have previously submitted via the Service.
Please also feel free to contact us if you have any questions about Piiggy Bank’ Privacy Policy or the information practices of the Service. Our email address for privacy issues is Support@PiiggyBank.com.com. Our postal address is Piiggy Bank, 5250 Lankershim Blvd. Suite 500, North Hollywood, CA 91601.
1. Changes to Piiggy Bank’ Privacy Policy
We keep this Privacy Policy under regular review, and we will notify you when we make changes in the future. Please review this policy periodically, and especially before you provide any Personal Data to us. We will also place any updates on our website. This privacy policy was last updated on the date indicated at the top of this document.

At Piiggy Bank, we expect our users to respect the intellectual property rights of others. All capitalized terms used in the Piiggy Bank Trademark Policy have the same meaning as defined in the Piiggy Bank Terms of Use, which incorporates this policy by reference into its terms.
Discouragement of Trademark Infringement on Piiggy Bank
Trademarks should not be used in way that causes confusion about source of goods or sponsorship. If you infringe trademarks of others, Your Content may be removed or suspended in whole or part. It is our policy, in appropriate circumstances and our discretion, to disable and/or terminate accounts of users who repeatedly infringe or are charged repeatedly with infringing the trademarks or other intellectual property rights of others.
Recourse for Trademark Owners
If you are trademark owner who believes your trademark has been infringed on Piiggy Bank, we provide a mechanism for you to notify us of your concerns. To help respond appropriately, we ask you to provide us the following information:
• Your full name and contact information, including address, phone number and email contact
• The trademark and evidence of registration rights and your relationship to the owner
• A reasonable description (e.g., URL link) of the location where you believe infringement has occurred
• A short description of why you believe the use in question infringes your trademark rights
• Verification that all of the information in your report of infringement is accurate; that you have a good faith belief that the use of the intellectual property, described, in the manner you have complained about, is not authorized by the rights owners, its agent or the law; and that you are the owner, or authorized to act on behalf of the owner, of an exclusive intellectual property that allegedly is infringed

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At Piiggy Bank, we expect our users to respect the intellectual property rights of others. All capitalized terms used in the Piiggy Bank Copyright Policy have the same meaning as defined in the Piiggy Bank Terms of Use, which incorporates this policy by reference into its terms.
Discouragement of Copyright Infringement
We ask users of Piiggy Bank to take care to avoid infringing copyrights of others. If you infringe copyrights of others, Your Content may be removed or suspended in whole or part. It is our policy, in appropriate circumstances and our discretion, to disable and/or terminate accounts of users who repeatedly infringe or are charged repeatedly with infringing the copyrights or other intellectual property rights of others.
Recourse for Copyright Owners: Reporting Complaints with a DMCA Notice
We also provide a mechanism for copyright owners, or those authorized to act on behalf of an owner of a copyright, to report a belief about infringing use of Piiggy Bank. In accordance with the Digital Millennium Copyright Act of 1998 (“DMCA”), we will respond expeditiously to claims of copyright infringement using Piiggy Bank that are reported to our Designated Copyright Agent for Piiggy Bank. We provide you the requirements of proper complaint below. For your convenience, the entire text of the DMCA is linked to here at the U.S. Copyright Office WebService: https://www.copyright.gov/legislation/dmca.pdf
In order to provide us a DMCA complaint notice (“DMCA Notice”), you should:
• Provide your contact information, including your mailing address, telephone number, and, if available, an email address.
• Identify the copyrighted work that you claim has been infringed. If multiple copyrighted works are covered your DMCA Notice, you may provide a representative list of the copyrighted works that you claim have been infringed.
• Provide us information reasonably sufficient for us to locate each allegedly infringing material (e.g, a URL link where the material may be found on Piiggy Bank) that you are requesting to be removed or disabled.
• Include the following statements in the body of the DMCA Notice:
o I hereby state that I have a good faith belief that the disputed use of the copyrighted material or reference link to such material is not authorized by the copyright owner, its agent, or the law (e.g., as a fair use).
o I hereby state that the information in this DMCA Notice is accurate and, under penalty of perjury, that I am the owner or authorized to act on behalf of the owner of an exclusive copyright that is allegedly infringed.
• Include a physical or electronic signature (e.g. typing your printed name)
• Deliver this DMCA Notice.
If There is a Copyright Complaint Against You
If you receive a notice that a posting or portion of Your Content has been removed or suspended due to a copyright complaint, that means that we removed it at the request of a content owner. If you believe your content was removed in error, you have the option to file a DMCA counter-notice (the proper format for such counter-notice is defined below). When we receive a proper counter-notice, we will forward to the party who originally complained about the alleged copyright violation. If we do not receive a notice within 10 business days that the original complainant is seeking a court order to prevent further infringement of the content at issue, we will clear the complaint from your account’s record, and we may replace the content that was removed.
How to File a DMCA Counter Notice
Please note that there are potentially seriously consequences for fraudulent or bad faith submissions. Such consequences may be imposed pursuant to the DMCA under Section 512(f). Before submitting a counter notice, you should be sure that you are the actual rights holder of the content removed or that you have a good faith belief that content was erroneously removed. It is important to make sure that you understand the repercussions of submitting a false claim.
A proper counter notice should be sent by replying to the email notice you received, and it should contain the following:
• Your name, address, and telephone number
• The URLs of the content that was removed or disabled by us (copy and paste the link in the notification email)
• The following statements: I consent to the jurisdiction of Federal District Court for the judicial district in which my address is located, or if my address is outside the United States, for any judicial district in which Piiggy Bank Inc. is located. I will accept service of process from the claimant of copyright of infringement. I swear, under penalty of perjury, that I have a good faith belief that the content was removed as result of mistake or misidentification of the material to be removed or disabled.
• A physical or electronic signature (e.g., typing your full name)