Terms of Service

Effective date: 11 November 2026 · Last updated: 11 November 2026

These Terms of Service (“Terms”) apply to your access to and use of PIGGO, a household finance tracking application independently operated by an individual service provider (“PIGGO”, “we”, “us” or “our”). By accessing or using PIGGO, you agree to these Terms. If you do not agree, do not use the service.

1. The service

PIGGO provides tools to record and organise household income, expenses, transfers, accounts, budgets and related reports. PIGGO is a record-keeping and budgeting tool. It is not a bank, payment processor, accounting firm, tax adviser, investment adviser or financial institution.

2. Eligibility and your account

You must be legally capable of entering into these Terms. You sign in using Google authentication and are responsible for maintaining the security of your Google account and any devices used to access PIGGO. You must provide accurate information and promptly notify us if you believe your account has been accessed without permission.

3. Your financial information

You are responsible for the accuracy, completeness and legality of the information you enter. You should independently verify balances, calculations, reports and transaction records before relying on them. PIGGO does not verify that your entries reflect actual bank or card transactions.

4. Google and third-party services

PIGGO uses Google services for sign-in and, where applicable, to create or access the Google Sheets workspace used to store your financial records. Cloudflare provides infrastructure used to operate the application. Your use of Google services is also subject to Google's terms and policies. Service availability and functionality may depend on these third parties.

5. Acceptable use

You must not misuse PIGGO, attempt unauthorised access, interfere with its operation, upload unlawful or harmful content, reverse engineer or abuse the service, or use it in a way that violates applicable law or another person's rights.

6. Availability and changes

We aim to keep PIGGO available and functioning, but uninterrupted or error-free service is not guaranteed. We may maintain, modify, suspend or discontinue features when reasonably necessary, including for security, technical or operational reasons. We will make reasonable efforts to communicate material changes where practicable.

7. Data, backups and account closure

You remain responsible for keeping appropriate copies of important financial records. Do not treat PIGGO as your only backup. You may contact us to request account closure or assistance with deletion. Some information may remain temporarily in backups, logs or records where needed for security, legal compliance or dispute resolution, subject to applicable law.

8. Disclaimers

PIGGO is provided on an “as available” basis. To the extent permitted by law, we make no warranty that the service will meet every requirement, be continuously available, or be free from errors or data loss. PIGGO does not provide financial, legal, investment or tax advice.

9. Limitation of liability

To the extent permitted by applicable law, we will not be liable for indirect, incidental, special or consequential loss, or for loss arising from inaccurate user entries, third-party service interruptions, unauthorised access beyond our reasonable control, or your failure to maintain independent copies of important records. Nothing in these Terms excludes liability that cannot legally be excluded.

10. Privacy

Our handling of personal information is described in the PIGGO Privacy Policy, which forms part of these Terms.

11. Changes to these Terms

We may update these Terms from time to time. The updated version will be published on this page with a revised “Last updated” date. Continued use after the changes take effect means you accept the updated Terms.

12. Governing law and contact

These Terms are governed by the applicable laws of India, subject to any mandatory legal protections that apply to you. For questions, complaints or requests relating to these Terms, contact [email protected].

This document is a general service policy and is not a substitute for advice from a qualified lawyer. It should be reviewed for your particular operating and legal circumstances before publication.