Terms of Service
Company: Raterman Group LLC (dba Piggy Banker)
Website: https://piggybanker.io
https://finance.piggybanker.io
Effective Date: July 10, 2026
Welcome to Piggy Banker ("Piggy Banker," "we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our website, software platform, applications, APIs, integrations, and professional consulting services (collectively, the "Services").
By accessing or using the Services, you agree to these Terms.
1. Our Services
Piggy Banker provides software and professional financial services designed to help businesses understand and manage their finances.
Our Services may include:
Financial dashboards
Reporting and analytics
Budgeting and forecasting
KPI tracking
Cash flow planning
AI-powered financial insights
Workflow automation
Software integrations
Fractional CFO services
Strategic financial consulting
Custom reporting and implementation
Features may change as we improve the platform.
2. Eligibility
You must be at least 18 years old and have authority to act on behalf of the business using the Services.
3. Accounts
You are responsible for:
maintaining the security of your account;
keeping your login credentials confidential;
ensuring your information remains accurate; and
notifying us of unauthorized use.
You are responsible for all activity occurring under your account.
4. Software Services
Our software is licensed—not sold—to you.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for your internal business purposes.
You may not:
copy or resell the software;
reverse engineer or attempt to discover source code except where prohibited by law;
interfere with platform security;
misuse APIs or automations;
upload malicious software;
use the Services unlawfully.
5. Professional Services
Piggy Banker may also provide consulting services, including Fractional CFO, forecasting, financial modeling, reporting, budgeting, planning, implementation, or strategic advice.
Unless separately agreed in writing, all consulting services are provided on a best-efforts basis.
You remain responsible for all business, accounting, tax, legal, financing, employment, and operational decisions.
6. AI Features
Our Services may use artificial intelligence to generate:
financial analyses;
summaries;
categorizations;
forecasts;
recommendations;
narratives;
reports; and
other automated outputs.
AI-generated content is intended to assist—not replace—human judgment.
Because AI can make mistakes, you are solely responsible for reviewing and validating all outputs before relying upon them.
7. Your Data
You retain ownership of all data you upload or connect to the Services.
By using Piggy Banker, you grant us permission to access, process, store, analyze, display, and transmit your data solely for:
operating the Services;
providing support;
improving our products;
generating reports and AI outputs;
maintaining security; and
complying with applicable law.
8. Third-Party Integrations
Our Services may integrate with third-party platforms such as bookkeeping software, banking providers, payroll systems, payment processors, artificial intelligence providers, cloud providers, and other business applications.
These services operate under their own terms and privacy policies.
We are not responsible for third-party availability, accuracy, security, pricing, or functionality.
9. Client Responsibilities
You agree to:
provide accurate information;
maintain appropriate accounting records;
review reports before relying upon them;
reconcile financial information where appropriate;
maintain backups of critical business records.
We rely on information provided by you and your connected systems.
We are not responsible for inaccurate recommendations caused by incomplete, delayed, or incorrect information.
10. No Professional Advice
Piggy Banker is not a public accounting firm, audit firm, law firm, investment adviser, or bank.
Nothing provided through the Services constitutes:
legal advice;
tax advice;
investment advice;
audit or assurance services;
guarantees of financial performance; or
guarantees of business outcomes.
You should consult appropriate licensed professionals before making significant financial, legal, tax, or investment decisions.
11. Intellectual Property
All software, branding, designs, documentation, workflows, content, reports, and technology provided by Piggy Banker remain our intellectual property unless otherwise stated.
Feedback you voluntarily provide may be used by Piggy Banker without restriction or compensation.
12. Fees
Certain Services require payment.
Unless otherwise agreed:
subscriptions renew automatically until cancelled;
consulting invoices are due according to your engagement agreement;
unpaid accounts may be suspended;
fees are non-refundable except where required by law.
13. Confidentiality
We treat customer business information as confidential.
We use commercially reasonable safeguards to protect customer information and only disclose it:
with your authorization;
to trusted service providers supporting our operations;
when legally required; or
to protect our legal rights.
14. Availability
We strive for reliable uptime but cannot guarantee uninterrupted access.
Maintenance, outages, software bugs, internet failures, or third-party disruptions may temporarily affect availability.
15. Disclaimer of Warranties
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE."
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY.
16. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, PIGGY BANKER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST BUSINESS OPPORTUNITIES, LOST DATA, OR BUSINESS INTERRUPTION.
OUR TOTAL LIABILITY SHALL NOT EXCEED THE TOTAL AMOUNT PAID TO PIGGY BANKER DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
17. Indemnification
You agree to defend, indemnify, and hold harmless Piggy Banker, its owners, employees, contractors, affiliates, and service providers from claims arising from:
your use of the Services;
your violation of these Terms;
your violation of applicable law; or
your infringement of third-party rights.
18. Termination
You may stop using the Services at any time.
We may suspend or terminate access if these Terms are violated, payment obligations are not met, security risks arise, or continued access would expose Piggy Banker or its customers to harm.
19. Changes
We may update these Terms from time to time.
Continued use of the Services after changes become effective constitutes acceptance of the updated Terms.
20. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles.
21. Contact
Questions regarding these Terms may be directed to:
Piggy Banker
Raterman Group LLC
1115 Town Creek Drive Unit 738
Austin, Texas 78741
Email: clay@piggybanker.io