Piggie · Terms of Service

The short version. A Piggie coin is a manufacturer coupon paid as cash. The brand funds it, you collect it by buying the product, and Piggie delivers it to you. You must be 13 or older to use Piggie and 18 or older to cash out. One collect per sticker, real purchases only. Your cash never expires. Piggie is not a bank and your balance is not a deposit. If we ever have a dispute, it goes to individual arbitration or small claims court, not a class action (section 18), and you can opt out of that within 30 days.

Please read section 18 (Disputes). It requires most disputes to be resolved by individual binding arbitration, waives class actions and jury trials, and explains how to opt out.

1. Who we are and agreeing to these Terms

Piggie is operated by Piggie LLC, a Texas limited liability company based in San Antonio, Texas ("Piggie", "we", "us"). These Terms of Service ("Terms") govern the Piggie app, the piggietap.com website, Piggie coin stickers, and every coupon delivered through them (together, the "Service").

You accept these Terms when you create a Piggie account, which happens next to a notice that says that continuing means you agree to these Terms and our Privacy Policy. You also accept them each time you use the Service. If you do not agree, do not use the Service. Our Privacy Policy explains how we handle your information and is part of these Terms.

If you are between 13 and 17, you may use Piggie only with the involvement of a parent or legal guardian who has read and agreed to these Terms for you. A parent or guardian who allows a minor to use Piggie agrees to these Terms on the minor's behalf and is responsible for the minor's use.

2. What a Piggie coin is

2.1 A manufacturer coupon, paid as cash. A Piggie coin is a manufacturer coupon offered by the brand whose product carries the sticker. The brand sets its value, which is stated in US dollars and paid to you in cash rather than taken off the price at the register. Piggie delivers the coupon for the brand: we show the offer when you tap, verify the collect, and pay you the coupon value when you cash out. Piggie pays you from its own funds, and the brand pays Piggie back afterwards.

2.2 What a coin is not. Coins and your balance are not loyalty points, not a points program, not a currency, not a security, and not a deposit. Coupon value is issued to you free of charge as part of a brand's promotional offer when you buy that brand's product. It is never sold. You cannot buy it, load money onto it, add to it, transfer it to another person, or use it to pay anyone. A coin has no value until it is collected under these Terms, and it can only be paid out to you, as described in section 5.

2.3 No chance involved. Piggie is not a sweepstakes, contest, lottery, or game of chance. The value of every coupon is fixed in advance and shown to you before you collect it. Extra amounts, such as a brand's ladder percent, a birthday bonus, or a "double coins" offer, are fixed amounts or percentages set in advance by the brand, not random. If Piggie ever runs a promotion that involves any element of chance, it will have its own official rules, including a free way to enter, and those rules will control that promotion.

2.4 Paid research surveys. Some brands do not put a cash value on their coin. When you buy one of those products and tap its coin in the app after you buy, the brand may offer you a paid survey. The app shows the pay before you start. The pay is for finishing the survey. It stays locked, is not part of your balance, and cannot be cashed out until you answer every question. If you do not finish, you are not paid. These surveys are for people 21 and older. The brand's tiers raise the pay, which the app shows. One survey per sticker.

2.5 Paid reviews. Some brands offer extra pay for a review of a product you bought, after you collect its coin. The app shows the pay before you start. You are paid for any rating, good or bad, and the rating you give never changes the pay. Reviews stay inside Piggie and go to that brand. They are never posted to Amazon, Google, Yelp or other outside sites by us. If you tick the box on the review, the brand may show your review on its own website, marked as a paid review.

2.6 Same checks. Pay from a finished survey or review goes into your balance. The checks in sections 4 and 5 apply to it, and it can be held, reviewed or refused the same way.

2.7 Honest answers. Answer honestly and only about products you bought yourself. Section 8 applies. We may refuse pay for answers that are not genuine.

3. How collecting works

3.1 Tap in store to see the offer on that product. Seeing an offer does not collect it.
3.2 Buy the product, then tap the same sticker again away from the shelf to collect the coin. The value shown in the app when you collect is the value you receive. If you saw an offer during an in-store tap, we honor that value for a collect at least until midnight Central time that day. After that, we may pay the brand's current offer instead, which may be higher or lower.
3.3 Each sticker collects once, ever. A sticker that has already been collected by anyone, or a product that was not purchased, pays nothing.
3.4 Offers can change or end at any time at the brand's choice, including when a brand's campaign ends or its funding runs out. A coin you have already collected keeps its value. When a brand's coupon is not running, a tap may give you only a brand coin with no cash value (see 3.5) or a smaller amount the brand has set.
3.5 Brand ladders and brand coins. A brand may run a ladder. Each collect from that brand adds punches (brand coins) to that brand's ladder. Brand coins have no cash value of their own and cannot be cashed out. Fill a row to reach a tier: every coupon you collect from that brand after that pays its face value plus the tier's percent, which the brand sets in advance. Your ladder year starts with your first coin from that brand and lasts one year. Your tier stays yours for that year, then the punches reset. A reset never touches cash you have already collected. If a brand changes its ladder during your year, you keep the tier you already reached.
3.6 Birthday bonus. A brand may add a fixed birthday bonus. It applies to one coin from that brand that you collect during your birthday week, once per brand per year, only if a birthday has been on your account for at least 30 days and you are 18 or older. We may check a change to a saved birthday before accepting it.
3.7 Age limited products. A brand that sells products with a legal age limit (for example alcohol or tobacco) may make its coupons available only to shoppers 21 or older. To collect those coupons you must have a birthday on your account showing you are 21 or older. Giving a false birthday is a breach of these Terms.

4. Location, checks and fraud

4.1 Location. Collecting a coin uses your phone's location at the moment you tap, to tell whether you are in the store or have left it. You can turn location off at any time in your phone's settings, but coins cannot be collected without it. How we handle location is explained in the Privacy Policy.

4.2 Checks. Every dollar comes from a brand, so we protect it. We check each tap automatically, including its location against the store, the approximate location of your internet connection, how far you have traveled since your last tap, how many coins you have collected that day, and Apple's App Attest proof that the request came from the real Piggie app. We may also ask for a receipt. Based on these checks we may hold, delay, reduce, or refuse a collect or a cash-out that we reasonably believe is not a genuine purchase, and we may freeze a coin while we look at a sticker that two people tried to collect. If an automated check stops you and you think it got it wrong, use Report a problem in the app or contact us and a person will look at it.

4.3 Not a genuine purchase. Buying a product, collecting the coin, and returning the product is not a genuine purchase. Neither is collecting from a product you did not buy.

4.4 Consequences of fraud. If we reasonably determine that you collected coins through fraud or a breach of section 8, we may cancel those coins, reverse their value from your balance, recover from you any amount we already paid for them, suspend or close your account, and report the activity to the brand, the company that carried the payment (PayPal, Venmo or our bank), or the authorities. We will not take cash you collected through genuine purchases except to recover amounts you owe us because of fraud, and only to the extent the law allows.

5. Your balance and cashing out

5.1 What your balance is. Your balance is the total coupon value you have collected and not yet cashed out. It is a record of what Piggie owes you for brand coupons you collected. It is not a bank account, deposit, or a stored value product sold to you, does not earn interest, and is not insured by the FDIC or anyone else.
5.2 Cashing out. You can cash out once your balance reaches the minimum shown in the app (currently $5), after you choose how to be paid, give the details the app asks for, and confirm that you are 18 or older and a US resident. A coupon you collect counts toward your balance right away. When you cash out, we check the coins first, and the app shows the date your cash reaches you: up to 10 days while an account is new, as little as 3 days once it has a clean payout history.
5.3 How you are paid. The app shows the ways to be paid that are available when you cash out, which may be PayPal, Venmo or Zelle. We may add or remove a way at any time. Your cash is sent to the details you give, by the date the app shows when you cash out. During beta it is sent by hand by the Piggie team. You need an account in your own name with that service that can receive payments in the United States. Piggie pays its own cost of sending. A service you choose may charge you its own fee, such as for an instant transfer.
5.4 Getting your details right. Check your details carefully. If a payment goes to details you typed incorrectly and someone else receives it, we may not be able to recover it, and a Zelle payment may not be canceled once it is sent. If nobody claims a payment and it comes back to us, or a service you chose stops being available, your cash stays yours: we ask you in the app where to send it and pay it to you once you give us correct details.
5.5 Corrections. If a coin is credited to you by mistake (for example a system error or the wrong value), we may correct your balance. If a correction affects cash you already received, we will tell you and work it out with you.
5.6 Piggie never charges shoppers. Piggie never asks you for money and never takes a fee out of your balance.
5.7 Your cash never expires. Cash in your balance has no expiry date and no inactivity fee. Only brand coins (section 3.5), which have no cash value, reset. Deleting your account is different from expiry: it forfeits the balance, after you confirm the amount (section 6.4).
5.8 Unclaimed property. If your account has had no activity for the period set by state law (in Texas, generally three years) and we cannot reach you, the law may require us to report your balance to a state unclaimed property office instead of keeping it. Where we have no address for you, that is generally the State of Texas. You can then claim it from that state.
5.9 Taxes. Piggie issues tax forms only where the law requires it. If we ever pay you for something other than a coupon, we may ask for the tax details the law requires before paying.

6. Your account

6.1 One account, yours. Piggie starts with an account, created with Apple, Google, or an email and password. Your coins and balance belong to that account, not to a phone, so signing in on another phone brings them with you. One person, one account. The information you give us must be true, including your age and birthday.

6.2 Security. Keep your password and your sign-in to yourself. You are responsible for what happens under your account unless it happens because of our failure to protect it. Tell us right away if you think someone else is using it.

6.3 Closing by us. We may suspend or close an account that breaches these Terms, or end the Service for everyone as described in section 14. If we close your account for a reason other than fraud, we will pay out your genuine balance, even if it is under the minimum, to a PayPal, Venmo or Zelle account you give us, if that way of being paid is available.

6.4 Deleting your account. You can delete your account from the app at any time, under Profile. Deleting your account erases your coins and forfeits any balance left in it. Before anything is deleted, the app shows the exact amount you will lose and asks you to confirm. Once you confirm, that balance cannot be paid out or restored. Cash already on its way to you from a cash-out you made earlier still arrives. Records of cash-outs you already made are kept, because they are financial records. The Privacy Policy lists what else is kept after deletion and why.

7. Who can use Piggie

13 or older. You must be at least 13 to create an account or use the Service. Piggie is not for children under 13. If we learn that a user is under 13, we will close the account and delete its information as described in the Privacy Policy; before deleting, we will send any balance to the child's parent or guardian if they contact us.
13 to 17. You may collect coins with a parent's or guardian's involvement (section 1). Your balance stays yours, and you can cash it out once you are 18. Some features, such as sharing your activity with brands and receiving brand offers, are not available to you.
Age information from Apple. Where the law requires it (for example in Texas), we use the age information and parental consent your app store gives us, and we follow a parent's or guardian's decision to withdraw consent.
18 or older to cash out. You must be at least 18 and a resident of the United States to cash out or receive any payment.
21 or older for brands that set that limit (section 3.7).
You may not use Piggie if we have previously closed your account for fraud, or if the law where you live does not allow it.

8. Things you may not do

You may not, and may not help anyone else to:

collect from a product you did not buy, return a product after collecting, or otherwise collect without a genuine purchase;
tamper with, remove, copy, clone, rewrite, or resell stickers, or move a sticker to another product;
use more than one account, other people's accounts, or several devices to get around a limit;
fake or alter your location, use an emulator, a modified app, scripts, or bots, or interfere with App Attest or any other check;
reverse-engineer, decompile, scrape, or overload the app, the website, or our servers, except where the law allows it despite this restriction;
submit a survey or review for a product you did not buy, or use a script, modified app or another person's account to submit one;
give false information, including a false age or birthday;
use the Service for anything unlawful, to harass anyone, or to infringe anyone's rights.

We may suspend or close access for any breach of this section, as described in section 4.4.

9. Brands and retailers

Coupons are offered by the brands named on each coin, not by any store. Retailers do not participate in, fund, or redeem Piggie coins, and a Piggie coin does not change the price you pay at the register. The brand, not Piggie, is responsible for its products, including their quality, safety, labeling, and any recall. Any question about a product itself goes to the brand. Any question about a coin, a collect, or a payout comes to us.

10. Brand accounts

Brands use the Piggie brand portal under a separate signed agreement (a Master Services Agreement and Statement of Work). Where those documents and these Terms differ for a brand, the signed agreement controls. Brands pay Piggie for the coupons shoppers collect, on the billing terms in their agreement. A brand's failure to pay Piggie does not reduce what Piggie owes you for coins you already collected.

11. The app and our content

11.1 Your license. We give you a personal, limited, non-exclusive, non-transferable, revocable license to install and use the Piggie app on devices you own or control, for your own non-commercial use, under these Terms.

11.2 Ours. The Service, the Piggie name, the coin design, the stickers, and all software and content in the Service belong to Piggie or its licensors. Brand names and logos belong to their owners. Nothing in these Terms gives you any right to use them except as part of using the Service.

11.3 Your ideas. If you send us suggestions or feedback, we may use them without paying you or owing you anything.

11.4 Your profile. You keep ownership of any photo or name you add to your profile. You let us store and display it to you in the app. We do not show it to brands or other users.

12. Messages from us

You agree that we may give you notices, receipts, and other information electronically, by email to the address on your account or in the app, and that these count as "in writing". We send messages needed to run your account (for example password codes and cash-out updates). We may also send marketing emails about Piggie; each one has an unsubscribe link, and unsubscribing does not stop account messages. Brands contact you only if you have turned that on (see the Privacy Policy). We do not send text messages unless you have given written consent to receive them.

13. Apple, Google, PayPal, Venmo and Zelle

Sign in with Apple, Sign in with Google, the App Store, PayPal, Venmo and Zelle are run by those companies under their own terms and privacy policies, which apply to your use of them. We are not responsible for their services, including any delay, hold, or decision any of them makes about a payment once it leaves Piggie.

14. Beta and changes to the Service

Piggie is in beta. The app, offers, and features may change, and the Service may be interrupted or withdrawn. If we end the Service, we will give at least 30 days' notice in the app or by email, and we will pay out every genuine balance, including balances under the minimum, to an account the account holder gives us with a service we can pay at that time. We will honor coins already collected under the Terms in force when they were collected.

15. Disclaimers

The Service is provided "as is" and "as available". To the fullest extent the law allows, Piggie disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranty that the Service will be uninterrupted, error free, or available in any particular store. Piggie makes no warranty about any brand's products. This section does not limit our duty to pay you genuine coupon value you collected under these Terms, and it does not limit any right you have that cannot be limited by law.

16. Limits on liability

To the fullest extent the law allows: (a) Piggie is not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, or loss of goodwill, arising out of or relating to the Service or these Terms; and (b) Piggie's total liability to you for all claims arising out of or relating to the Service or these Terms is limited to the greater of one hundred US dollars ($100) or the amount Piggie owes you for coins you collected and have not been paid for.

These limits apply whatever the legal theory and even if we were told the damage was possible. They do not limit our duty to pay your genuine balance, and they do not apply to liability for our gross negligence, fraud, or willful misconduct, for death or personal injury caused by our negligence, or to any other liability that cannot be limited by law. Some states do not allow some of these limits; where that is so, they apply only as far as that state's law allows.

17. Your responsibility to us

If you collect coins through fraud or break section 8, you agree to cover the losses, costs, and reasonable attorneys' fees Piggie suffers from third-party claims caused by that conduct, to the extent the law allows. This does not apply to claims caused by Piggie's own fault.

18. Disputes and arbitration

Please read this section carefully. It affects your rights.

18.1 Talk to us first. Before starting any claim, you and Piggie each agree to try to resolve the dispute informally. The person with the claim sends a written notice to the other with their name, account email, a description of the dispute, and what they want. Send yours to legal@piggietap.com; we send ours to the email on your account. If the dispute is not resolved within 60 days after the notice is received, either side may start arbitration or a small claims case. Time limits for bringing a claim are paused during those 60 days.

18.2 Agreement to arbitrate. Except as stated in 18.4, you and Piggie agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, any coin, collect, balance, or payout, or our relationship, including whether a claim must be arbitrated, will be resolved by final and binding individual arbitration, not in court. This agreement is governed by the Federal Arbitration Act. The arbitrator decides all questions about the scope, validity, and enforceability of this section, except that a court decides any question about 18.3 (class waiver) and 18.6 (mass filings).

18.3 Individual claims only; no class actions; no jury. You and Piggie may bring claims against each other only individually, and not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding. The arbitrator may award relief only to the individual party asking for it and only as far as needed for that party's individual claim. YOU AND PIGGIE EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO TAKE PART IN A CLASS ACTION. If a court decides that this class waiver is unenforceable for a particular claim or type of relief, then that claim or relief (and only that) will be decided in court under section 19, after any individual claims in arbitration are decided, and the rest of this section still applies.

18.4 Exceptions. Either party may (a) bring an individual claim in small claims court in Bexar County, Texas, or in the county where you live, if it qualifies; (b) ask a court for an order to stop infringement or misuse of intellectual property, or to stop unauthorized access to or abuse of the Service; and (c) any claim for public injunctive relief that the law does not allow to be waived will be decided by a court after the individual claims are arbitrated.

18.5 How arbitration works. Arbitration will be run by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules in effect when the claim is filed, which are at adr.org, as changed by this section. One arbitrator decides. Unless both sides agree otherwise, the arbitration takes place by video or phone, or in Bexar County, Texas, or the county where you live if you prefer. For a claim of $10,000 or less, the arbitration is decided on written submissions unless the arbitrator decides a hearing is needed. Piggie will pay all AAA filing, administration, and arbitrator fees for any claim you bring, except that if the arbitrator finds your claim frivolous or brought for an improper purpose, the AAA rules on fees apply. Each side pays its own lawyers unless the law or the arbitrator's award under applicable law says otherwise. The arbitrator may award the same individual relief a court could, and must give a written decision. Judgment on the award may be entered in any court with jurisdiction.

18.6 Mass filings. If 25 or more similar claims are filed against Piggie by or with the help of the same or coordinated lawyers or organizations, they will be handled in batches of up to 25 claims each, one batch at a time, with one arbitrator per batch, and AAA's Mass Arbitration Supplementary Rules apply. Time limits for the waiting claims are paused while earlier batches are decided. Both sides agree to cooperate in good faith to resolve the remaining claims efficiently, for example through mediation or by applying the results of earlier batches.

18.7 Your right to opt out. You may opt out of this agreement to arbitrate by emailing legal@piggietap.com within 30 days after you first accept these Terms, with your name, the email on your account, and a clear statement that you opt out of arbitration. Opting out does not affect any other part of these Terms, and it does not affect an earlier arbitration agreement you made with us.

18.8 Changes to this section. If we change this section, the change will not apply to any dispute that either side had already given notice of under 18.1 before the change took effect. You may reject a change to this section by emailing legal@piggietap.com within 30 days after it takes effect; if you do, the most recent version of this section you accepted continues to apply to you.

18.9 Survival and severability. This section survives the end of your account and of these Terms. Except as stated in 18.3, if any part of this section is found unenforceable, the rest of it still applies.

19. Governing law and courts

These Terms are governed by the Federal Arbitration Act for section 18, and otherwise by the laws of the State of Texas, without regard to conflict of law rules. Any claim that is not arbitrated under section 18 will be brought only in the state or federal courts located in Bexar County, Texas, and you and Piggie both consent to their jurisdiction and venue, except that a small claims case may also be brought where you live. Nothing in these Terms takes away a right that the consumer protection law of the state where you live gives you and that cannot be waived by contract.

20. Apple App Store terms

If you got the app from Apple's App Store: these Terms are between you and Piggie only, not Apple. Piggie, not Apple, is responsible for the app and its content, for any maintenance and support, and for any product claims about the app, including claims that it fails to meet a legal or regulatory requirement and claims under consumer protection or privacy law. If the app fails to meet a warranty that the law implies, you may notify Apple, and Apple will refund the purchase price of the app (Piggie is free, so that is $0); Apple has no other warranty obligation. Piggie, not Apple, is responsible for investigating and handling any claim that the app infringes someone's intellectual property. You confirm that you are not in a country subject to a US government embargo and are not on a US government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. Your use of the app must also follow the App Store's own terms.

21. Changes to these Terms

We may update these Terms. We will post the new version on this page with a new date. If a change is material, we will also tell you in the app or by email at least 14 days before it takes effect, unless the change is required by law or is needed to stop fraud, in which case it may take effect sooner. Changes apply only going forward: they never apply to coins already collected or to a dispute either side had already raised before the change. If you do not agree to a change, stop using the Service and you can delete your account (section 6.4); otherwise, continuing to use the Service after the change takes effect means you accept it. Changes to section 18 also follow section 18.8.

22. General

Whole agreement. These Terms and the Privacy Policy are the whole agreement between you and Piggie about the Service and replace earlier versions, except as stated in 18.7 and 18.8.
Severability. If a part of these Terms cannot be enforced, the rest stays in effect, and the unenforceable part is changed only as much as needed to make it enforceable (section 18 has its own rule).
No waiver. If we do not enforce a part of these Terms right away, we can still enforce it later.
Assignment. You may not transfer your account or these Terms. We may transfer these Terms as part of a merger, acquisition, or sale of assets, and the new owner must honor your balance.
Events outside our control. We are not responsible for a delay or failure caused by events outside our reasonable control, such as outages of Apple, Google, PayPal, Venmo, Zelle, our bank, or our hosting providers, or a limit one of them places on our account, but such an event never cancels what we owe you.
Survival. Sections 2.2, 4.4, 5 (as to amounts owed either way), 11, and 15 to 22 survive the end of your account.
Headings are for convenience only. "Including" means "including without limitation".

23. Contact

App, coin, or payout questions: the contact form (choose "App or coin support"). Privacy requests: privacy@piggietap.com. Legal notices and arbitration opt-outs: legal@piggietap.com. Piggie LLC, San Antonio, Texas.