This E-Gift Card API Terms and Conditions ("T&C") governs the access to and use of the B2B API and Services provided by Piggy Shopping INC ("Piggy"). By registering, accessing, or using the Service, the entity or person ("Company" or "User") agrees to be bound by this T&C.
For purposes of this T&C, each of Piggy and the Company may be referred to individually as a “Party” and collectively as the “Parties.”
Piggy provides its service via REST Application Programming Interfaces (API) integration (“Piggy API”) or bulk gift card purchase with the gift card delivery via emails or Piggy Cards API dashboard (“Bulk Purchase”), which enables the Company and its end users to purchase digital gift cards offered through Piggy (“Gift Cards”) via the Piggy API integrated into the Company's platform (the “Service”). Access to the Piggy API is provided in a sandbox environment for initial setup, testing and platform certification. Following certification, the Company will be given access to the production API and shall maintain continued access to the sandbox for ongoing testing. The relevant API calls will be reviewed with the Company upon project commencement.
Upon a successful API call to the Piggy API, Piggy will deliver a Gift Card code in the API response, which end-users can redeem. In Bulk Purchase, upon a confirmed payment, Piggy will deliver Gift Card codes in emails or Piggy Cards API dashboard. All Gift Card orders shall be fulfilled through channels and methods provided by Piggy. The Company is responsible for distributing Gift Card codes to its end users.
Piggy is constantly working to improve the quality of the Service and may modify the Service from time to time, including adding or deleting features and functions, in an effort to improve the user’s experience. Nothing in this T&C shall prohibit Piggy from making such changes to the Service, provided that no such change to the Service shall materially reduce the functionality of the Service provided. Piggy reserves the right to provide some or all elements of the Service through the use of third-party providers.
Account Security & Mandatory 2FA: The Company is solely responsible for maintaining the security and confidentiality of its account credentials, API keys, and access passwords. The Company acknowledges and agrees that access to the Piggy Cards B2B dashboard requires mandatory Two-Factor Authentication (2FA) and, where applicable, IP whitelisting. The Company shall ensure that all authorized personnel maintain active 2FA enabled at all times. Any API call or transaction initiated using the Company’s valid API key or account credentials shall be conclusively presumed to be authorized by the Company. Piggy shall have no liability or obligation to refund any orders or losses resulting from compromised Company credentials, leaked API keys, or unauthorized access at the Company’s end.
Piggy shall provide the Company with reasonable technical support services for the Gift Card API in accordance with the terms of this Agreement:
Piggy will use commercially reasonable efforts to respond to support requests within two (2) business days. High-priority issues (such as complete API outages) will be addressed as soon as possible, with initial response typically within one (1) business day.
Support may be subject to fair usage policies, and Piggy reserves the right to limit or refuse support if the support request is deemed excessive or abusive.
3. Because of the nature of Piggy API offer, Piggy does not accept returns under any circumstances except Guarantee Policy in Section 4. Products cannot be exchanged or refunded for cash, or equivalent amounts of stable coins. Additionally, once an order is submitted, it cannot be canceled.
(a) Balance Verification & Proof of Balance:
Piggy verifies and logs the active balance and validity of Gift Cards at or prior to order fulfillment through automated system queries, API logs, database timestamps, or visual balance screenshots (collectively, "Proof of Balance"). A valid Proof of Balance timestamped at or prior to delivery shall serve as prima facie evidence that the Gift Card was delivered in a fully functional state with the specified balance.
(b) Availability of Card Metadata & Serial Numbers:
The Company acknowledges and agrees that primary fulfillment deliverables consist of valid Gift Card redemption codes and PINs (where applicable). Secondary metadata, including but not limited to card serial numbers (e.g., iTunes/Apple GCA numbers), may not be available for all brands or distribution sources, as certain suppliers or retailers only generate and transmit redemption credentials upon fulfillment. Piggy does not guarantee the provision of card serial numbers or physical card images upon delivery, and the absence of such metadata shall not constitute a fulfillment defect, breach of contract, or grounds for withholding payment, provided a valid Proof of Balance is established.
(c) Scope of Guarantee & Covered Issues:
Unless explicitly specified otherwise for a specific brand, Piggy provides a 180-calendar-day guarantee ("Guarantee Period") starting from the purchase date for all Gift Cards.
(d) Exclusions and Expiration:
This Policy applies strictly to claims submitted within the applicable Guarantee Period. Claims made after the applicable Guarantee Period will not be eligible for replacement or refund, even if the underlying issue occurred earlier. Furthermore, the Guarantee does NOT cover:
Piggy cannot be held responsible if a merchant refuses to honor a gift card due to bankruptcy or changes to its gift card policies, even if the case is reported within the applicable Guarantee Period.
Piggy is not liable for any actions, decisions, or enforcement policies taken by issuing merchants or third-party platforms, including but not limited to the suspension, freezing, or termination of Company’s or Company’s end-users' accounts, voiding or confiscation of gift card balances, or restricted access to services, even if reported within the applicable Guarantee Period.
Transactions and redemption of Gift Cards are strictly governed by the respective policies and Terms of Service of the issuing merchants (e.g., Amazon, Apple, Steam). Piggy has no control over merchant fraud detection algorithms, account risk flags, or enforcement actions. For the avoidance of doubt, card invalidation or balance loss resulting from merchant account suspensions, suspected buyer policy violations, or suspicious account activities shall NOT be considered a defective or unredeemable card under Section 4 (Guarantee Policy).
Chain of Custody & Secondary Transfers: Piggy is not responsible for any balance loss, compromise, or invalidation occurring after Gift Card credentials (code/PIN) have been exposed to, transmitted by, or resold through the Company, its end-users, or any secondary distribution channels. Once valid Gift Card credentials and Proof of Balance are provided, all risk of loss passes entirely to the Company.
Company and its end-users engage with these merchant platforms entirely at their own risk. Piggy’s aggregate financial liability under any circumstances is strictly limited to replacing or refunding a verified defective card prior to account-level merchant intervention, subject to Section 4 and Section 19. In no event shall Piggy be responsible for any indirect, consequential, incidental, or punitive damages arising from the use of Gift Cards once delivered.
The Company agrees to deposit funds with Piggy, into a bank account designated by Piggy ("Deposit Account") as outlined in Exhibit A. Piggy shall draw down against the funds in the Deposit Account to fulfill any orders placed by the Company or its end users. The initial deposit, and all subsequent deposits to the Deposit Account may be made via wire transfer, or ACH (must be from a business account from a US Bank). Piggy will take such payment and replenish the Deposit Account. No Gift Card orders will be fulfilled unless the balance in the Deposit Account is sufficient to cover the cost of the order.
a. Any fiat funds received by Piggy shall be made available within 24 hours or the following business day, as applicable.
b. A $25 fee will be charged for each wire transfer. There is no fee for ACH and stablecoin transfers.
c. All fiat deposits must be paid in US dollars.
d. Deposits made via ACH are subject to a mandatory holding period of up to five (5) business days before funds become available for order fulfillment, unless otherwise approved by Piggy or backed by a rolling reserve. Company shall remain fully liable for any ACH returns, chargebacks, or bounced transfers.
Any Gift Cards purchased or accessed by the Company or its end users for any Non-Approved Use-Cases (as defined below) shall constitute a material breach and grounds for immediate termination of this T&C by Piggy, without prior notice or refund liabilities. Any discounts, rebates, or special pricing granted to the Company in connection with such purchases may be rescinded immediately at Piggy's sole discretion.
"Non-Approved Use-Cases" means any use, request, integration, resale, or distribution of Gift Cards, API credentials, or Services that directly or indirectly:
(a) Violates, or facilitates the violation of, any applicable local, state, federal, or international laws, rules, or regulations;
(b) Involves, facilitates, or is associated with money laundering, terrorist financing, credit card fraud, unauthorized payment processing, account takeover (ATO), or any illegal financial activities;
(c) Uses stolen, fraudulent, or improperly acquired funds, compromised identities, or unauthorized payment methods to purchase, claim, or redeem Gift Cards; or
(d) Involves unlicensed gambling, illicit gaming operations, scam activities, or unauthorized secondary market arbitrage that breaches applicable merchant Terms of Service.
(a) Anti-Money Laundering & Sanctions Lists: The Company represents and warrants that neither the Company nor any of its end users, affiliates, or beneficial owners are located in, affiliated with, or acting on behalf of any individual or entity listed on any government watchlists, including but not limited to:
(i) U.S. Department of the Treasury Office of Foreign Assets Control (OFAC) Specially Designated Nationals (SDN) or Sanctions Lists;
(ii) U.S. Department of Commerce’s Denied Persons List or Entity List;
(iii) United Nations Security Council Consolidated List;
(iv) United Kingdom HMT OFSI Consolidated List;
(v) European Union Financial Sanctions List; or
(vi) Canadian Autonomous Sanctions List and Australian Sanctions Laws Consolidated List.
(b) Cooperation & Immediate Account Action: The Parties agree to fully cooperate, share relevant information, and respond within twenty-four (24) hours to assist in fraud investigations or regulatory inquiries. Piggy reserves the right, in its sole discretion, to immediately freeze, suspend, or cancel any orders, accounts, or API credentials suspected of violating Sanctions Laws or engaging in fraudulent activity, without incurring any liability or refund obligations.
The Company acknowledges and agrees to abide by the Piggy Gift Card Terms posted at https://piggy.cards/index.php?route=information/information&information_id=5.
Each Party represents and warrants that, during the Term of the T&C and for so long as there are any outstanding obligations under this T&C that: (a) it has obtained and possesses, and will maintain at all times, all authorizations, permissions, consents, licenses, agreements, permits, approvals, registrations, orders, declarations, filings, and the like that are required under applicable law or by a regulatory authority and that are necessary to perform its obligations under the Agreement; and (b) it has the complete power and authority to enter into this T&C and to carry out its obligations hereunder, and that this T&C constitutes a valid, binding and enforceable agreement of such party.
Except for either Party’s modification or update of this T&C as necessary to comply with applicable laws, rules or government regulations, no modification of this T&C, and no waiver of any breach of this T&C, shall be effective unless made in writing and signed by both Parties. No waiver of any breach of this T&C, and no course of dealing by either Party, shall be construed as a waiver of any subsequent breach of this T&C. Notwithstanding anything to the contrary, unless otherwise agreed by both Parties, when required by law, statute, regulation court or other legally binding ruling, settlement or other document, (collectively, “Laws”), either Party reserves the right to modify or discontinue, either temporarily or permanently, the Service (or any part, terms or conditions thereof) necessary to comply with such Laws by providing as much prior written notice as practicable, but in no event less than thirty (30) days, unless Laws dictate a shorter timeline. The Company agrees that Piggy shall not be liable to the Company or any third party for any necessary modification, suspension or discontinuance of the Service due to the change in the Laws, provided that Piggy has taken or attempted to take, all reasonable actions to comply with such Laws in a manner that would enable the continued the Service. If a new law materially reduces the Service provided herein, Piggy will be exempt from any obligations derived from the affected portion of the Service.
Piggy reserves all rights, title and interest in and to the Service, including all related intellectual property rights. No rights are granted to the Company hereunder other than those expressly set forth herein. Neither the Company nor any of its representatives will delete or in any manner alter the copyright, trademark, and other proprietary notices of Piggy, appearing on any Piggy application or documentation. The Service, Piggy Logo and other names, logos, icons and marks identifying Piggy and its products and Service are the intellectual property of Piggy (“Piggy IP”). The Company is permitted to use Piggy IP in connection with the provision of the Service and for advertising or promotional purposes without requiring Piggy’s prior written consent. Except as expressly set forth herein, the Company shall not use, reproduce, distribute, sell, resell, or otherwise exploit any Piggy IP or any part of the Service for commercial purposes. Piggy retains Piggy IP rights in the Service, the website (except for Third-Party IP, as defined below), including but not limited to all software, and other code. The Company shall not reverse-engineer, disassemble, decompile, transcribe, resell or redistribute any Piggy IP without the prior written consent of Piggy, which Piggy may grant or withhold in its sole and absolute discretion.
Each Party (the “Receiving Party”) acknowledges that it may have access to confidential or proprietary, technical or business information of the other party (the “Disclosing Party”), including but not limited to customer data, pricing, trade secrets and know-how (collectively, "Confidential Information"). The Receiving Party shall maintain the strict confidentiality of the Disclosing Party’s Confidential Information and shall not disclose the Confidential Information to any third party. The Receiving Party shall exercise at least the same degree of care in safeguarding the Confidential Information as it uses to protect its own Confidential Information (in no event less than reasonable care). The Receiving Party shall not use the Confidential Information for any purpose except receiving Service under this T&C. The following shall not be deemed Confidential Information: (i) information that is or becomes publicly available through no wrongful act of the Receiving Party; (ii) information that is already known by the Receiving Party as evidenced by documentation bearing a date prior to the date of disclosure; (iii) information that is approved for release in writing by an authorized representative of Disclosing Party; and (iv) information disclosed pursuant to a valid court order or subpoena issued by a court of competent jurisdiction, provided that the Receiving Party shall provide reasonable notice to the Disclosing Party to appropriately object to such disclosure.
Any third-party trademarks, service marks, names, logos, icons, copyrights and other intellectual property (collectively, “Third-Party IP”) associated with the Service are the property of such third party and may not be used by the Company without the prior written consent of such third party or is made available by such third party for public use. All rights to Third-Party IP are reserved to such third parties. Piggy does not provide any warranty as to the use of any Third-Party IP, content, service, or product.
EXCEPT FOR ANY SOLE AND EXCLUSIVE WARRANTIES GIVEN BY Piggy AND, TO THE MAXIMUM EXTENT ALLOWED BY APPLICABLE LAW, Piggy MAKES NO OTHER WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, AND EXPRESSLY DISCLAIMS ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, GOOD TITLE, SATISFACTORY QUALITY AND NONINFRINGEMENT.
EXCEPT AS EXPRESSLY SET FORTH HEREIN, Piggy DOES NOT WARRANT THAT THE Piggy SERVICE WILL MEET the Company’S SPECIFIC NEEDS, ACHIEVE A PARTICULAR MARKETING OR OTHER BUSINESS RESULT, OR ARE ERROR FREE, THAT the Company CONSUMERS OR OTHER USERS OF THE SERVICE WILL BE ABLE TO ACCESS OR USE THE Piggy SERVICE WITHOUT PROBLEMS OR INTERRUPTIONS, OR THAT THE SERVICE ARE NOT SUSCEPTIBLE TO INTRUSION, ATTACK OR COMPUTER VIRUS INFECTION , EXCEPT WHERE SUCH CIRCUMSTANCES RESULT DIRECTLY PIGGY’S GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR MATERIAL BREACH OF LAW.
Each Party agrees to indemnify (“Indemnifying Party”), defend, and hold harmless the other Party and its affiliates and their respective officers, directors, employees, and agents ("Indemnified Party") from and against all claims, demands, damages, judgments, losses, penalties, liabilities, liens, and expenses (including reasonable attorneys’ fees) (collectively, "Losses") arising out of or related to:
(i) any gross negligence, willful misconduct, or material omission of the Indemnifying Party or its personnel; (ii) any material breach of this T&C by the Indemnifying Party; or (iii) any unauthorized use or misuse of the other Party’s trademarks or logos.
Piggy’s Limited IP Indemnity: In addition, Piggy shall indemnify, defend, and hold harmless the Company from and against direct Losses arising solely out of any third-party claim that the proprietary software code of the Piggy API itself directly infringes any U.S. patent or copyright.
Third-Party IP Exclusion: Notwithstanding anything to the contrary, Piggy provides no warranty or indemnification, and shall have no liability, for any claims, disputes, or alleged infringements relating to third-party trademarks, logos, brand names, or intellectual property associated with the Gift Cards or issuing merchants (e.g., Amazon, Apple, Target). This obligation shall not apply to the extent any claim results from the Company’s unauthorized use, modification, or distribution of the Piggy API or Gift Cards in violation of this T&C or applicable merchant policies.
(a) Direct Card Remedies: Notwithstanding anything to the contrary in this Section 19, Piggy’s liability for any individual defective, non-functional, or unredeemable Gift Card claimed within the applicable Guarantee Period (as defined in Section 4) shall be strictly limited to either replacing such Gift Card or refunding 100% of the purchase price actually paid by the Company for that specific Gift Card, in strict accordance with and subject to the conditions of Section 4 (Guarantee Policy).
(b) Aggregate Liability Cap: Except for Piggy’s obligation to refund or replace defective Gift Cards under Section 19(a), Piggy’s total aggregate liability arising out of or related to this Agreement, including any indemnification obligations under Section 18, whether in contract, tort, or otherwise, shall not exceed the total net margin/fees retained by Piggy from the Company in the three (3) months preceding the incident, or $10,000 USD, whichever is less.
(c) Consequential Damages Waiver: In no event shall Piggy be liable for any indirect, incidental, consequential, special, or punitive damages (including loss of profits, business interruption, or stolen API credentials at the Company's end), even if advised of the possibility of such damages.
The Term of this T&C will commence on the Effective Date and will continue for an initial term of two (2) years (" Term"). At the end of the Term, this T&C will automatically renew for additional one (1) year terms (each, a “Renewal Term”). The Initial Term and any Renewal Terms are referred to collectively as the “Term.”
Either Party may terminate this Agreement upon sixty (60) days prior written notice. In case of termination, Piggy will transfer remaining funds stored in the Deposit Account to the Company account. The Company shall be cover standard, reasonable transfer fees only. All communications and notices to be made or given pursuant to the Service shall be in the English language.
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Company |
Piggy |
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Address: |
Address: 1908 Thomes Ave STE 64265, Cheyenne, WY, 82001 |
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Email: support@piggy.cards |
(a) Governing Law: This T&C shall be governed by, and construed in accordance with, the laws of the State of Delaware, without regard to its conflict of laws principles.
(b) Mandatory Informal Resolution & Mediation: Prior to initiating any formal arbitration, the Parties agree to attempt in good faith to resolve any dispute informally within thirty (30) days. If unresolved, the Parties shall attempt to settle the dispute through non-binding mediation administered by the American Arbitration Association (AAA) before proceeding to arbitration.
(c) Binding Arbitration: Any remaining dispute, claim, or controversy shall be determined by binding arbitration administered by the AAA under its Commercial Arbitration Rules. The arbitration shall be conducted entirely remotely via videoconference (e.g., Zoom). The seat of arbitration shall be Delaware, but physical presence shall not be required.
(d) Limitation & Prevailing Party Fees: The arbitrator shall strictly enforce all provisions of this T&C, including the Limitation of Liability in Section 19. The prevailing Party in any arbitration or legal proceeding shall be entitled to recover all of its reasonable attorneys' fees, arbitrator fees, AAA administrative expenses, and court costs from the non-prevailing Party. Both Parties expressly waive any right to litigate claims in court (including small claims court, state courts, or federal courts) or participate in a class action or jury trial.
23. Force Majeure: Neither Party shall be liable for any failure or delay in performance under this Agreement (except for payment obligations) resulting from causes beyond its reasonable control, including but not limited to acts of God, cyberattacks, failure of third-party telecommunications or API infrastructure, government restrictions, or bank system outages.
No waiver of any term, condition, or breach of this T&C shall be valid unless made in writing and signed by the Party granting the waiver. Any such waiver shall not be deemed a waiver of any other term or subsequent breach.
This T&C may only be amended or modified in writing signed by both Parties.
This T&C constitutes the entire understanding between the Parties with respect to its subject matter and supersedes all prior or contemporaneous agreements, whether written or oral.
If any provision of this T&C is found to be invalid, illegal, or unenforceable by a court or other authority of competent jurisdiction, that provision shall be enforced to the maximum extent permissible, and the remainder of the T&C shall remain in full force and effect.
This T&C is binding upon and will insure to the benefit of the Parties and their respective permitted successors and assigns.
Headings are included for convenience only and shall not affect the interpretation of this T&C.
This T&C may be executed in counterparts, each of which shall be deemed an original, and all of which together shall constitute one and the same T&C.