Effective Date: March 19th, 2026
Company: Raterman Group LLC (dba Piggy Banker)
Website: https://piggybanker.io

1. Overview

These Terms of Service ("Terms") govern your use of Piggy Banker’s website and services. By accessing or using our services, you agree to these Terms.

Piggy Banker provides fractional CFO, financial advisory, and related consulting services for businesses and individuals.

2. No Financial, Legal, or Tax Advice

All information and services provided by Piggy Banker are for informational and advisory purposes only.

We do not provide:

• Legal advice

• Investment advice

• Registered financial advisory services

• Tax filing services (unless explicitly stated via a separate agreement)

You are responsible for consulting licensed professionals where appropriate.

3. Client Engagement

Any formal working relationship requires:

• A signed agreement or engagement letter

• Defined scope of services

• Agreed pricing and billing terms

Nothing on this website constitutes a binding agreement.

4. User Responsibilities

You agree to:

• Provide accurate and complete financial information

• Maintain confidentiality of your account access

• Use services in compliance with applicable laws

You are solely responsible for decisions made based on our guidance.

5. Data & Financial Information

By using our services, you may provide financial data, including:

• Income and expense data

• Business financial records

• Account integrations (e.g., Plaid, QuickBooks, etc.)

You retain ownership of your data.
We use this data solely to deliver services outlined in your engagement.

6. Third-Party Tools & Integrations

We may use or integrate with third-party platforms, including but not limited to:

• Accounting software (QuickBooks, Xero, etc.)

• Financial APIs (Plaid, Stripe, etc.)

• Communication tools

We are not responsible for the performance, security, or policies of third-party services.

7. Confidentiality

We treat all client financial data as confidential and will not disclose it except:

• As required by law

• With your explicit consent

• To deliver agreed services (e.g., integrations)

8. Limitation of Liability

To the maximum extent permitted by law:

Piggy Banker shall not be liable for:

• Indirect or consequential damages

• Loss of profits, revenue, or data

• Financial decisions made based on our guidance

Our total liability is limited to the amount paid for services in the previous 3 months.

9. No Guarantees

We do not guarantee:

• Financial outcomes

• Tax savings

• Business performance improvements

All results depend on execution, market conditions, and other external factors.

10. Payments & Refunds

All payments:

• Are due per agreed terms

• Are non-refundable unless otherwise stated

Late payments may result in service suspension.

11. Termination

Either party may terminate services:

• With written notice

• Per the terms of any signed agreement

We reserve the right to terminate access for misuse.

12. Intellectual Property

All materials, frameworks, and systems provided by Piggy Banker remain our intellectual property unless otherwise agreed.

You may not copy, distribute, or resell our materials without permission.

13. Changes to Terms

We may update these Terms at any time. Continued use of the website constitutes acceptance.

14. Governing Law

These Terms are governed by the laws of the State of Texas.

15. Contact

Piggy Banker
Raterman Group LLC
Email: clay@piggybanker.io