Effective Date: Monday, April 21, 2025

Welcome to PiggyBank! These Terms of Use (“Terms”) govern your access to and use of the PiggyBank website (www.usepiggybank.com), mobile application, and any related services (collectively, the “Service”) provided by PiggyBank Inc. (“PiggyBank,” “we,” “us,” or “our”).

By accessing or using our Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Service.

1. Eligibility

You must be at least 18 years old to use PiggyBank. By using the Service, you represent and warrant that you meet these eligibility requirements.

2. How PiggyBank Works

PiggyBank allows users to gift stocks to others by funding the purchase of securities through our brokerage partner, Alpaca. Funds are securely transferred via Plaid, and the recipient can redeem the gift by completing onboarding through PiggyBank and Alpaca.

3. Account Registration

To send or receive gifts, you may be required to create an account and provide accurate, complete information. You are responsible for maintaining the confidentiality of your account credentials.

4. Gifting & Redemption

• You can send a gift using the recipient’s email or phone number.

• If the recipient does not accept the gift within 60 days, we will cancel the transaction and return the funds to your original payment method.

• The recipient must complete onboarding with our broker-dealer partner before the gift is fulfilled.

5. Investment Risks

All investments carry risk. The value of a stock can go up or down and there is no guarantee of returns. PiggyBank is not a financial advisor and nothing on the platform should be considered investment advice.

6. Brokerage & Compliance

All brokerage services are provided by Alpaca Securities LLC, a member of FINRA/SIPC. PiggyBank acts as a technology and marketing layer and does not provide any brokerage or custodial services directly.

7. Fees

PiggyBank may charge service or transaction fees. All applicable fees will be disclosed at the time of the transaction.

8. Acceptable Use

You agree not to use the Service to:

• Violate any laws or regulations;

• Impersonate others or provide false information;

• Disrupt or interfere with the platform or security.

9. Termination

We reserve the right to suspend or terminate your access at any time for any reason, including violation of these Terms.

10. Intellectual Property

All content on PiggyBank, including branding, graphics, and software, is the property of PiggyBank and is protected by copyright and trademark laws.

11. Third-Party Services

We use third-party services (e.g., Plaid, Alpaca) and are not responsible for their actions, policies, or availability. You may be subject to additional terms from those providers.

12. Limitation of Liability

PiggyBank is not liable for any indirect, incidental, or consequential damages resulting from your use of the Service.

13. Changes to Terms

We may update these Terms from time to time. Changes will be posted on this page with a new effective date. Your continued use of the Service means you accept the updated Terms.

14. Contact Us

If you have questions or concerns, please contact us at:

📧 info@usepiggybank.com