Terms of Service

Last Updated: 23 April 2026

Please read the following important terms and conditions and check that they contain everything which you accept and nothing that you are not willing to agree to.

Definitions

For the purposes of these Terms:

“Account” means a registered account on the Platform.

“Available Balance” means funds eligible for payout after all deductions, reserves, and controls.

“Chargeback” means a dispute initiated through a payment provider or card network.

“Connected Account” means a payment account established with a Payment Processor.

“Creator” means a user who monetises through the Platform.

“Creator Content” means all content, services, goods, or interactions offered by a Creator.

“Merchant of Record” means the legal entity responsible for a transaction.

“Payment Processor” means third-party providers such as Stripe.

“Platform Fees” means fees applied by Spenny Piggy.

“Reserve” means funds withheld for risk management.

“Rolling Reserve” means funds held for a defined period.

“Services” means all Platform functionality.

“Supporter” means a paying user.

“Transaction” means any payment conducted via the Platform.

Disclaimer

Spenny Piggy is a technology platform and listing platform only and does not guarantee, endorse, verify, or approve any Creator Content. Any disputes, errors, complaints, revision requests, refund requests, delivery queries, or other communications regarding Creator Content, purchases, subscriptions, memberships, paid messages, paid tasks, tribute payments, custom payments, wishlist-linked purchases, or any other form of transaction conducted through the Platform should be made directly to the relevant Creator in the first instance.

Spenny Piggy is not responsible for fulfilling, supplying, delivering, managing, or guaranteeing any Creator Content and is not responsible for refunds or the management of disputes arising out of transactions between users, except to the extent that Spenny Piggy may intervene at its sole discretion or where required by law, by a payment processor, or for the protection of the Platform, its users, or third parties.

All transactions relating to Creator Content, including without limitation digital content, subscriptions, memberships, custom content, paid messaging, paid task interactions, support payments, tribute payments, products, wish item rewards, storefront items, and any other form of purchase or payment, are with the relevant Creator only. Creators are listed as independent third-party sellers identified on the Spenny Piggy platform, which facilitates third-party sales, third-party payments, and third-party interactions between users. Unless otherwise expressly stated by Spenny Piggy in writing for a specific flow or feature, the relevant Creator is the Merchant of Record for creator-led transactions. Spenny Piggy does not identify itself as the seller of any goods or services as aforesaid, and users shall have no recourse against Spenny Piggy in respect of such purchases, subscriptions, payments, services, or interactions.

Description of Service

Spenny Piggy, accessed at spennypiggy.co or such other related domain, subdomain, application, interface, or checkout environment as we may make available from time to time, herein referred to as “Spenny Piggy”, the “Website”, the “Site”, or the “Platform”, is a technology platform. It is not a financial institution, bank, merchant, creditor, charity, advisor, broker, money service business, or regulated payment service provider of any kind.

Spenny Piggy is designed to allow a Creator to register and customise a page such as a creator profile or storefront page on the Platform. The Platform facilitates, among other things, the following:

It allows creators (see below definition in clause 4.1.1) to publish and customise a page with images, text, video, profile information, offers, pricing, and related materials, and to use that page to facilitate the acceptance of monetary support, support-linked payments, tribute payments, paid messages, paid tasks, subscriptions, memberships, custom requests, digital interactions, reward-based wishlist activity, product-linked purchases through third-party retailer or commerce infrastructure partners, and other forms of Creator content, which shall be collectively referred to in these Terms as “Creator Content”.

It allows Supporters and other users to follow Creators, communicate with Creators, provide support, purchase, subscribe, pay to access content or interactions, and otherwise engage with Creator Content through the Platform.

In summary

We source, host, and operate a platform that enables a community of creators to present and monetise their own Creator Content and interactions and to receive messages and financial compensation from Supporters. The Platform provides the technical environment, payment routing, moderation controls, risk controls, payout administration, and related support infrastructure to make that possible, but it does not become the seller, supplier, or fulfiller of Creator Content simply by providing such infrastructure.

Some of your key rights

This agreement sets out:

your legal rights and responsibilities;

our legal rights and responsibilities; and

certain key information required by law.

In this agreement:

“We”, “us”, or “our” means Social Vortex Limited and, where applicable, Social Vortex, Inc.; and

“You” or “your” means the person accessing or using our Site.

If you do not understand any of the provisions of this agreement, and wish to talk to us about it, please contact us by:

Email: support@spennypiggy.co; or

such other support contact details as we may publish on the Site from time to time.

We are Social Vortex Limited, a company registered in England and Wales under company number 15233693, trading as Spenny Piggy. Our registered office is at 55 Colmore Row, C/O WeWork, Birmingham, B3 2AA, United Kingdom. Our VAT registration number is GB 452012540.

For our US operations, services may also be provided by Social Vortex, Inc., a company registered in Delaware, United States of America. Its registered office is at 1111B S Governors Ave, STE 7527, Dover, DE 19904, United States.

We may update these Terms from time to time, so please check this page regularly for updates. If you do not accept a change to these Terms, you must stop accessing or using our Site immediately.

1. Introduction

1.1 Application of this agreement

1.1.1 This agreement applies to anyone who accesses or uses our Site, regardless of whether that person has created an account, completed verification, made a purchase, received a payout, or otherwise interacted with our Services.

1.1.2 If you do not wish to be bound by this agreement, you must not access or use our Site.

1.2 Integrated legal framework

1.2.1 You acknowledge and agree that Spenny Piggy operates through a structured set of legal documents, policies, and agreements which together form the full legal framework governing your use of the Platform.

1.2.2 These include, without limitation:

these Terms & Conditions;

the Creator Agreement;

the Supporter Terms;

the Supporter–Creator Agreement;

the Merchant of Record (MoR) Agreement;

the Reserves and Payments Policy;

the Paid Tasks Terms;

the Acceptable Use Policy;

the Privacy Policy;

the Cookies Policy;

the Return Policy;

and any other policies or agreements published by Spenny Piggy from time to time.

1.2.3 All such documents are incorporated by reference into these Terms and form a single, unified, legally binding agreement.

1.2.4 By accessing or using the Platform, creating an account, making a purchase, or receiving funds, you confirm that you have read, understood, and agreed to be bound by all documents forming part of the Platform Legal Framework.

1.2.5 Where a feature is subject to specific terms (including but not limited to Paid Tasks, Subscriptions, or Messaging), your use of that feature constitutes acceptance of the applicable additional terms.

1.2.6 You acknowledge that no single document within the Platform Legal Framework operates in isolation, and that your rights and obligations must be interpreted across all applicable documents collectively.

1.3 Hierarchy of documents

1.3.1 In the event of any conflict or inconsistency between documents within the Platform Legal Framework, the following order of precedence shall apply:

The Merchant of Record (MoR) Agreement, in respect of payment responsibility and transaction structure;

The Reserves and Payments Policy, in respect of payouts, reserves, and fund control;

The Creator Agreement, in respect of Creator obligations and earnings;

The Supporter–Creator Agreement, in respect of Transactions between users;

The Supporter Terms, in respect of Supporter obligations;

The Paid Tasks Terms, in respect of task-based payments and interactions;

These Terms & Conditions, in respect of general Platform use;

The Acceptable Use Policy and other compliance policies;

The Privacy Policy and Cookies Policy, in respect of data processing.

1.3.2 Spenny Piggy reserves the right to interpret and apply this hierarchy at its sole discretion where required for compliance, risk management, or operational purposes.

1.4 Third-party services

1.4.1 You are also agreeing to be bound by the terms and conditions of any third-party services that you connect to, or use in conjunction with, your Spenny Piggy account or your use of the Platform, including without limitation third-party payment processors such as Stripe and any other linked providers, processors, gateways, payout providers, verification providers, or commerce infrastructure providers that we may use from time to time.

1.4.2 Those third-party providers may have their own terms and conditions, acceptable use rules, prohibited business policies, reserve rights, payout conditions, verification requirements, and dispute procedures, and you are responsible for complying with those terms to the extent they apply to you.

1.4.3 Spenny Piggy shall not be liable for any action taken by a third-party provider in relation to your account, transactions, funds, payouts, reserves, verification status, or access to services, including without limitation declines, reversals, withholding of funds, reserve application, enhanced due diligence requests, account restrictions, suspensions, or terminations.

1.5 Language

1.5.1 This agreement is only available in English. No other language version shall apply unless expressly provided by us in writing.

1.6 Other documents and local laws

1.6.1 When accessing the Site, creating an account, purchasing or selling subscriptions, content, physical items, memberships, paid messages, paid tasks, tribute payments, or any other media, service, or interaction, you also agree to be legally bound by our website terms and conditions and any documents referred to in them, including our Privacy Policy, our community or content rules, our payments or payout policies, and any other guidelines or policies published by us from time to time.

1.6.2 You also agree that you are responsible for compliance with any applicable local laws to the extent that such laws apply to your access to and use of the Platform or to your transactions with other users.

1.7 Changes to access, features, and services

1.7.1 From time to time, we may restrict access to some parts of the Website, or to the entire Website, to users.

1.7.2 We may also update and change our Site from time to time to reflect changes to subscriptions, memberships, creator tools, interaction features, support flows, paid messaging, paid tasks, tributes, storefront functionality, wishlist functionality, risk controls, moderation controls, legal requirements, regulatory requirements, payment processor requirements, and our business priorities.

1.7.3 We may add, remove, suspend, or materially alter any feature, product, payment method, payout arrangement, moderation method, or account requirement at any time, provided that where a major change materially affects users we will use reasonable efforts to provide notice where reasonably practicable.

2. Your Privacy and Personal Information

2.1 Privacy Policy

2.1.1 Our Privacy Policy is available on our Site and forms part of the overall contractual framework governing your use of the Services.

2.2 Use of personal information

2.2.1 Your privacy and personal information are important to us. Any personal information that you provide to us will be dealt with in accordance with our Privacy Policy, which explains what personal information we collect from you, how and why we collect, store, use, and share such information, your rights in relation to your personal information, and how to contact us and supervisory authorities if you have a query or complaint about the use of your personal information.

2.2.2 By using the Platform, you acknowledge that we may process personal information for purposes including, without limitation:

2.2.3 You acknowledge that some data may also be processed by third-party service providers, including payment processors and identity verification providers, in accordance with their own applicable terms and privacy notices.

2.3 Electronic communications

2.3.1 By using Spenny Piggy, you consent to receiving communications from us electronically, including emails, account alerts, product notices, verification requests, moderation notices, payout notices, reserve notices, risk notices, and messages posted to your Spenny Piggy account.

2.3.2 You acknowledge and agree that all communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

2.3.3 If you wish to withdraw your consent to receiving non-essential electronic communications from us at any time, you may do so by contacting us at support@spennypiggy.co and notifying us of your withdrawal of consent. However, you acknowledge and agree that we may still send you communications which are necessary for the operation of your account, the performance of these Terms, the administration of Transactions, the operation of payouts, the enforcement of reserves, the handling of disputes, the conduct of moderation, or compliance with legal, regulatory, fraud-prevention, or payment processor requirements.

2.3.4 It is your responsibility to ensure that your contact information remains accurate and up to date at all times and that you regularly review communications sent to your registered email address or made available through your account. We shall not be responsible for any loss, delay, restriction, account action, payout delay, reserve application, dispute outcome, or other consequence arising from your failure to review or respond to communications issued by us.

3. Account Registration

3.1 Creating an account

3.1.1 To register and create an account on Spenny Piggy, you must be at least eighteen (18) years of age and capable of entering into a legally binding agreement. By creating an account, you represent and warrant that you meet these requirements.

3.1.2 You must provide a valid email address, a username, and a password, or authenticate via an approved third-party login method where available. It is a condition of your use of the Website that all information you provide is accurate, current, complete, and not misleading.

3.1.3 We reserve the right, at any time and at our sole discretion, to refuse registration, to require additional information, or to suspend or terminate an account where we are unable to verify the information provided to our reasonable satisfaction.

3.2 Information accuracy and ongoing obligations

3.2.1 You agree that all information you provide to register with this Website or otherwise, including through any interactive features on the Website, is governed by our Privacy Policy and must remain accurate and up to date.

3.2.2 You must promptly update your account information if any of your details change, including without limitation your name, contact details, payment details, payout details, tax status, or residency.

3.2.3 We may rely on the information you provide for the purposes of:

3.2.4 You acknowledge that failure to provide accurate or up-to-date information may result in:

3.3 Payment method requirements (Supporters)

3.3.1 If you intend to subscribe, join a membership, send support, pay for content, access paid messages, complete paid tasks, or otherwise make payments through the Platform, you will be required to provide a valid payment method.

3.3.2 Payment information is processed and stored by our third-party payment processors, including but not limited to Stripe. Spenny Piggy does not store full payment card details.

3.3.3 By providing payment details, you authorise:

3.3.4 Spenny Piggy reserves the right to change payment processors at any time without notice, and you agree to comply with the terms of any such processors.

3.4 Payout setup and verification (Creators)

3.4.1 If you intend to receive earnings through the Platform, you must complete onboarding with our payment processor and provide valid payout details.

3.4.2 This may include, without limitation:

3.4.3 For UK-based Creators, we may collect details including sort code, account number, account holder name, and address.

3.4.4 For international Creators, we may collect such additional information as required by the applicable payment processor and jurisdiction.

3.4.5 All such information may be stored within secure environments provided by our payment partners, including within Stripe systems.

3.4.6 You acknowledge that:

3.5 Tax responsibility

3.5.1 You acknowledge and agree that you are solely responsible for determining, reporting, and paying any taxes applicable to your use of the Platform, including without limitation income tax, VAT, sales tax, or any equivalent obligations in your jurisdiction.

3.5.2 Spenny Piggy does not provide tax advice and is not responsible for calculating or remitting taxes on your behalf unless explicitly required by law.

3.5.3 You acknowledge that:

3.5.4 Upon reasonable request, we may provide transaction summaries or payout records. Where the generation of formal tax documentation is required, we reserve the right to charge a reasonable administrative fee.

3.6 Account use representations

3.6.1 By registering on Spenny Piggy, you represent, warrant, and agree that:

3.6.2 We reserve the right, at any time, to verify your compliance with these Terms and to suspend or restrict your account where we are unable to do so.

3.7 Account security

3.7.1 You are fully responsible for all activities that occur under your account.

3.7.2 You must keep your login credentials confidential and must not disclose them to any third party.

3.7.3 You agree to notify us immediately at support@spennypiggy.co if you suspect any unauthorised use of your account or any breach of security.

3.7.4 You should take reasonable steps to protect your account, including logging out after use and exercising caution when accessing your account from shared or public devices.

3.7.5 We shall not be liable for any loss or damage arising from your failure to comply with these obligations.

3.8 Account control and suspension

3.8.1 We have the right to disable, suspend, or restrict access to any username, password, or account at any time, at our sole discretion, for any reason or no reason, including where we believe you have breached these Terms or where required for compliance, fraud prevention, or operational purposes.

3.8.2 Where your account is suspended or restricted:

3.8.3 You may not create a new account to circumvent a suspension or restriction without our prior written consent.

3.9 General account obligations

3.9.1 Your use of the Site is for your personal use only unless expressly authorised otherwise.

3.9.2 You agree that you are responsible for:

3.9.3 The Site is intended for use by users who can access it lawfully. If you access the Site from outside the United Kingdom, you are responsible for compliance with local laws.

3.9.4 You agree to comply with all applicable policies, including our acceptable use and content policies.

3.9.5 We may prevent or suspend your access to the Site if you fail to comply with these Terms or any applicable law.

4. Acceptable Use for Creators

4.1 Definition of a Creator

4.1.1 A “Creator” is defined as any user who registers a Spenny Piggy account and uses the Platform in any way to:

4.1.2 For the purposes of these Terms, all such content, interactions, offers, and materials shall be collectively referred to as “Creator Content”.

4.2 Responsibility for Creator Content

4.2.1 As a Creator, you are solely responsible for all Creator Content that you create, upload, post, publish, transmit, distribute, or otherwise make available through the Platform.

4.2.2 You represent and warrant that:

4.2.3 You acknowledge that you shall be fully liable for any loss, damage, claim, or expense arising out of or in connection with your Creator Content.

4.2.4 You agree to indemnify Spenny Piggy in respect of any such claims.

4.3 Platform moderation and removal rights

4.3.1 Spenny Piggy operates a combination of automated (including AI-based) and manual moderation systems to review, monitor, and assess content and activity on the Platform.

4.3.2 You acknowledge and agree that:

4.3.3 We reserve the right, at our sole discretion, to:

4.3.4 Such actions may be taken without prior notice where reasonably necessary to:

4.4 Data protection obligations of Creators

4.4.1 Where you receive or access personal data relating to other users (including Supporters), you acknowledge that you may act as an independent data controller in respect of such data.

4.4.2 You agree that you will:

4.4.3 You must provide a mechanism for users to:

4.4.4 You acknowledge that failure to comply with applicable data protection laws may result in:

4.5 Prohibited use in relation to payment processors

4.5.1 In addition to these Terms, you must comply with the acceptable use and prohibited business policies of any payment processor connected to the Platform, including but not limited to Stripe.

4.5.2 Without limitation, you agree not to use the Platform in connection with:

4.5.3 You acknowledge that:

5. Expressly Prohibited Activity

5.1 General prohibition

5.1.1 Users, including both Creators and Supporters, must not use the Platform in connection with any unlawful, harmful, fraudulent, abusive, or prohibited activity.

5.1.2 The examples set out below are not exhaustive, and we reserve the right to determine, at our sole discretion, whether any activity is prohibited.

5.2 Illegal and harmful activity

5.2.1 You must not use the Platform to:

5.2.2 You must not collect or send funds for illegal purposes.

5.3 Adult and explicit content restrictions

5.3.1 The Platform operates in accordance with payment processor requirements and applicable law.

5.3.2 Accordingly, you must not upload, publish, or monetise:

5.3.3 Content that is suggestive but not explicit may be permitted at our discretion, provided it complies with all applicable rules.

5.4 Abuse, Harassment, Hateful and Violent Content

5.4.1 You must not:

5.4.2 Such content may not be sold, listed, unlocked, offered as a reward or membership benefit, or associated with any payment on the Platform.

5.5 Platform abuse and circumvention

5.5.1 You must not:

5.5.2 Any attempt to circumvent Platform systems may result in:

5.6 Criminal and regulated goods

5.6.1 You must not use the Platform to:

5.7 Nature of transactions

5.7.1 You acknowledge that:

5.7.2 You are responsible for understanding the nature of any transaction you enter into.

5.8 Enforcement

5.8.1 We reserve the right to:

6. Purchases, Payments and Earnings

6.1 Payment processing and platform role

6.1.1 By using the Site, you acknowledge and agree that Spenny Piggy utilises one or more third-party payment processors, including but not limited to Stripe, to process all Transactions conducted through the Platform.

6.1.2 You acknowledge that all payments are processed by such third-party payment processors and that such processors are responsible for:

6.1.3 Spenny Piggy does not itself:

6.1.4 You further acknowledge that, in relation to creator-led Transactions, the Creator acts as the Merchant of Record unless otherwise expressly stated for a specific feature or flow.

6.1.5 Accordingly, all Transactions are legally between the Supporter and the Creator, and Spenny Piggy’s role is limited to facilitating the technical infrastructure, payment routing, risk management, moderation, and payout administration.

6.2 Use of third-party payment providers

6.2.1 We may work with various third-party payment processors, gateways, payout providers, and financial service providers.

6.2.2 We reserve the right, at our sole discretion, to:

6.2.3 Such third parties may have additional terms and conditions, and you agree to comply with all such terms.

6.2.4 We expressly disclaim liability for any failure by you to comply with such third-party terms.

6.3 Platform control and discretion

6.3.1 Notwithstanding any provision in any document forming part of the Platform Legal Framework, Spenny Piggy retains sole and absolute discretion to:

suspend or terminate accounts;

delay, restrict, or refuse payouts;

apply reserves or withhold funds;

remove or restrict content;

reverse or cancel Transactions;

require additional verification or compliance checks.

6.3.2 Such actions may be taken at any time and without prior notice where reasonably necessary to:

comply with legal or regulatory obligations;

comply with payment processor requirements (including Stripe);

manage fraud, disputes, or financial risk;

protect the Platform, its users, or its commercial viability.

6.4 Platform risk control authority

6.4.1 You acknowledge and agree that Spenny Piggy operates a comprehensive risk management, fraud prevention, and compliance framework designed to protect the Platform, its users, payment processors, and third-party partners.

6.4.2 Accordingly, Spenny Piggy retains the right, at its sole and absolute discretion, to take any action it considers necessary or appropriate to:

prevent fraud, abuse, or financial loss;

comply with applicable laws, regulations, or contractual obligations;

comply with the requirements of payment processors (including but not limited to Stripe or any successor provider);

maintain the integrity, stability, and commercial viability of the Platform.

6.4.3 Such actions may be taken at any time, with or without prior notice, and may apply at the level of individual Transactions, individual accounts, groups of linked accounts, or the Platform as a whole.

6.5 Conditional nature of payments and payouts

6.5.1 You acknowledge that all payments, earnings, balances, and payouts on the Platform are conditional.

6.5.2 No funds shall be considered earned, due, or payable until:

the relevant Transaction has been successfully authorised, processed, and settled by the applicable payment processor;

any applicable fraud checks, compliance reviews, or verification processes have been completed;

Spenny Piggy has approved the release of funds in accordance with its internal policies and controls.

6.5.3 Spenny Piggy may delay, suspend, restrict, or refuse any payout at its sole and absolute discretion, including where such action results in financial impact to the user.

6.6 Reserves, withholding and adjustment

6.6.1 Spenny Piggy may apply reserves, including rolling reserves, fixed reserves, or full balance holds, to any account or Transaction.

6.6.2 Such reserves may:

be applied, increased, reduced, extended, or removed at any time;

be applied before or after payouts have been scheduled or partially processed;

be applied across one or more accounts where risk is identified.

6.6.3 Funds subject to reserves may be held for such duration as Spenny Piggy considers necessary, including beyond any stated reserve period where risk persists.

6.7 Clawback, set-off and recovery rights

6.7.1 You expressly authorise Spenny Piggy to recover any amounts owed to it, including but not limited to:

chargebacks;

refunds;

reversals;

payment processor fees or penalties;

operational losses;

compliance or regulatory costs.

6.7.2 Recovery may be effected by:

deduction from current earnings;

deduction from future payouts;

deduction from reserve balances;

reversal of previously credited or paid amounts;

invoicing you directly for outstanding sums.

6.7.3 These rights apply both before and after payout has been completed and shall survive suspension, termination, or closure of your account.

6.7.4 You acknowledge that you remain liable for any negative balance and agree to repay such amounts upon demand.

6.8 Payment processor control and override

6.8.1 You acknowledge that all Transactions are subject to the rules, decisions, and controls of third-party payment processors.

6.8.2 Where a payment processor, including Stripe, takes any action including but not limited to:

delaying or withholding funds;

reversing or refunding a Transaction;

imposing reserves or restrictions;

suspending or terminating accounts;

Spenny Piggy shall not be liable for any resulting loss, delay, or restriction.

6.8.3 You further acknowledge that:

payment processor decisions may override Platform processes;

Spenny Piggy may be required to act in accordance with such decisions;

such actions may impact payouts, reserves, or account access.

6.9 Linked accounts and network risk controls

6.9.1 Spenny Piggy may identify relationships between accounts based on risk signals, including but not limited to shared identity information, devices, payment methods, behavioural patterns, or transaction flows.

6.9.2 Where such relationships are identified, Spenny Piggy may take action across multiple accounts, including:

applying reserves across accounts;

restricting or suspending multiple accounts;

withholding or offsetting funds across linked accounts.

6.9.3 You acknowledge that such actions may be taken even where not all linked accounts have individually breached these Terms.

6.10 No guarantee of earnings or platform access

6.10.1 You acknowledge and agree that Spenny Piggy does not guarantee:

any level of earnings, income, or profitability;

any volume of transactions or supporter activity;

continued access to monetisation features;

uninterrupted availability of the Platform.

6.10.2 Access to the Platform may be modified, restricted, or removed at any time at Spenny Piggy’s discretion.

6.11 Actions in protection of the Platform

6.11.1 Spenny Piggy reserves the right to take any action it reasonably considers necessary to protect:

its business operations;

its financial position;

its relationships with payment processors;

its regulatory standing;

its users and partners.

6.11.2 Such actions may include measures that delay or prevent payouts, restrict accounts, or otherwise impact users financially.

6.11.3 You acknowledge and accept that such actions may be taken in priority of Platform protection, even where they adversely affect individual users.

6.12 Debt recovery and assignment

6.12.1 You agree that any amounts owed to Spenny Piggy, including but not limited to negative balances, chargebacks, refunds, fees, penalties, or losses arising from your use of the Platform, constitute a legally recoverable debt.

6.12.2 Where any such amount remains unpaid, Spenny Piggy reserves the right, at its sole discretion, to:

pursue recovery directly from you;

offset the amount against any current or future earnings;

suspend or restrict your account;

engage third-party debt collection agencies;

assign, transfer, or sell the debt to a third party;

initiate legal proceedings to recover the amount.

6.12.3 You acknowledge and agree that:

such third parties may contact you directly for recovery purposes;

your personal data may be shared with such third parties in accordance with applicable data protection laws;

reasonable costs incurred in recovering the debt may be added to the amount owed where permitted by law.

6.12.4 These rights shall survive termination or closure of your account.

6.13 United States debt collection compliance

6.13.1 Where debts are assigned or referred to third-party collection agencies in the United States, such collection activities shall be conducted in accordance with applicable federal and state laws, including the Fair Debt Collection Practices Act and other applicable consumer protection laws.

6.14 Nature of earnings

6.14.1 You may receive earnings from:

6.14.2 You receive the amount you list. The Platform fee and payment processing are paid by the Supporter in addition to your listed price, not deducted from it. What you receive remains subject to:

6.14.3 You acknowledge that displayed earnings are provisional and may be adjusted.

6.15 Payment authorisation and information

6.15.1 In order to make a purchase, subscribe, or complete a Transaction, you may be required to provide certain information, including without limitation:

6.15.2 You represent and warrant that:

6.15.3 You acknowledge that we may share such information with payment processors and related service providers for the purpose of processing Transactions.

6.16 Pricing and Creator control

6.16.1 The price for each subscription, membership, product, interaction, or Transaction shall be set by the Creator.

6.16.2 Prices will be clearly displayed on the Platform and may change at any time.

6.16.3 You may also have the option to send additional discretionary support to Creators.

6.16.4 You acknowledge that:

6.17 Platform fees and charges

6.17.1 Spenny Piggy applies fees to Transactions conducted through the Platform.

6.17.2 These fees may include:

6.17.3 Such fees are typically charged to the Supporter on top of the Creator’s listed price.

6.17.4 You acknowledge that:

6.17.5 We reserve the right to:

6.18 Payment refusal, cancellation and control

6.18.1 We reserve the right to refuse, cancel, suspend, or terminate any Transaction at any time and for any reason, including without limitation:

6.18.2 Such actions may occur:

6.19 Chargeback misuse and payment disputes

6.19.1 You agree not to report as fraudulent, lost, stolen, or unauthorised any payment made through the Platform without a genuine and good faith basis.

6.19.2 You further agree not to initiate a chargeback solely due to dissatisfaction with content, interactions, or perceived value.

6.19.3 Where a chargeback is initiated without good faith, you may be liable for:

6.19.4 We reserve the right to apply an administrative fee and pursue recovery where appropriate.

6.20 Payment processor and statement descriptors

6.20.1 Transactions are processed through third-party providers such as Stripe.

6.20.2 Payments may appear on your bank or card statement as processed by the payment processor, and may include references to the Creator or Platform.

6.20.3 If you do not recognise a Transaction, you must contact support promptly.

6.21 Currency and external fees

6.21.1 Transactions may be processed in GBP, USD, or other currencies depending on the Platform configuration.

6.21.2 Any currency conversion fees or bank charges shall be determined by your financial institution and are not controlled by Spenny Piggy.

6.22 Accepted payment methods

6.22.1 We accept major payment methods including, but not limited to:

6.22.2 We reserve the right to change accepted payment methods at any time.

6.23 Payment security

6.23.1 We use commercially reasonable measures to ensure secure payment processing, including encrypted mechanisms provided by our payment processors.

6.23.2 However, you acknowledge that:

6.23.3 In the absence of negligence, we shall not be liable for any loss resulting from unauthorised access to payment information.

6.24 Charging events

6.24.1 Your payment method will be charged:

6.24.2 All payments are subject to authorisation by the relevant card issuer or financial institution.

7. Creator Content and Transactions

7.1 Creator offerings

7.1.1 Creators may offer:

7.1.2 All such offerings are subject to applicable fees and Platform rules.

7.2 Contractual relationship

7.2.1 The contractual relationship for any Transaction relating to Creator Content shall be directly between the Creator and the Supporter.

7.2.2 The Creator is responsible for providing any applicable terms relating to their offerings.

7.3 Platform non-involvement

7.3.1 Spenny Piggy is not a party to any agreements between users and shall not be responsible for:

7.4 Platform role and Merchant of Record

7.4.1 For the avoidance of doubt, and notwithstanding any other provision of these Terms or any associated agreement, policy, or document, the parties expressly agree as follows.

7.4.2 Spenny Piggy operates solely as a technology platform and intermediary that facilitates interactions and transactions between users. Spenny Piggy does not act as a merchant, seller, supplier, distributor, retailer, or contracting party in relation to any Creator Transaction.

7.4.3 In all cases, the Creator is the sole Merchant of Record and the sole contracting party responsible for the offer, sale, provision, fulfilment, quality, legality, and delivery of any content, service, or goods made available through the Platform.

7.4.4 All contractual obligations arising from any transaction exist exclusively between the Creator and the Supporter.

7.5 No agency, partnership or representation

7.5.1 Nothing in these Terms, nor in any associated agreement or use of the Platform, shall be construed as creating any form of partnership, joint venture, agency, employment, fiduciary, or representative relationship between:

Spenny Piggy and any Creator;

Spenny Piggy and any Supporter;

any Creator and any Supporter beyond the specific transaction entered into between them.

7.5.2 No user has authority to act on behalf of, bind, or represent Spenny Piggy in any capacity.

7.6 Consumer position and digital content waiver

7.6.1 Where a Supporter purchases or accesses digital content, subscriptions, or services that are delivered immediately or made available upon purchase, the Supporter:

expressly requests immediate performance of the contract;

acknowledges that access to digital content or services may begin immediately upon payment;

agrees, to the fullest extent permitted by applicable law, to waive any statutory right to cancel or withdraw from the contract once performance has commenced.

7.6.2 Nothing in this clause limits any non-waivable statutory rights, but the parties acknowledge that transactions on the Platform are primarily for immediate access digital content or services provided by Creators.

7.7 No platform liability for Creator transactions

7.7.1 To the fullest extent permitted by law, Spenny Piggy shall have no responsibility or liability whatsoever in relation to:

the nature, quality, legality, or accuracy of Creator Content;

the fulfilment, delivery, or performance of any goods or services;

any representations, statements, or promises made by Creators;

any failure by a Creator to perform their obligations.

7.7.2 Supporters acknowledge that they enter into transactions at their own risk and must pursue any claims directly against the relevant Creator.

7.8 Consistency across Platform documents

7.8.1 This clause shall apply across and take precedence in the interpretation of all Platform documents, including but not limited to:

Terms of Service;

Creator Agreement;

Supporter Terms;

Supporter–Creator Contract;

Payments, Payouts and Reserves Policy.

7.8.2 In the event of any ambiguity or inconsistency, provisions shall be interpreted in a manner that:

preserves the Creator’s status as Merchant of Record; and

limits Spenny Piggy’s role to that of a technology platform and intermediary.

7.9 No assumption of liability through intervention

7.9.1 For the avoidance of doubt, and notwithstanding any other provision of these Terms, Spenny Piggy may, at its sole discretion, take actions in relation to Transactions, accounts, or content, including but not limited to:

issuing refunds or reversals;

restricting or suspending accounts;

moderating or removing content;

delaying, withholding, or releasing funds.

7.9.2 Any such action:

is taken solely for the purposes of risk management, compliance, user protection, or Platform integrity;

does not create, imply, or establish any obligation, duty of care, or contractual relationship between Spenny Piggy and any user in respect of the underlying Transaction;

shall not be interpreted as Spenny Piggy acting as merchant, seller, supplier, or responsible party for any Creator Content.

7.10 Independent seller and consumer acknowledgment

7.10.1 Supporters acknowledge and agree that:

all Creator Content is offered by independent third-party Creators;

Spenny Piggy does not produce, supply, or fulfil such content;

purchases are made directly from Creators acting as independent sellers.

7.10.2 Supporters further acknowledge that:

digital content, subscriptions, and interactions are typically made available immediately upon purchase;

by completing a Transaction, they expressly request immediate performance of the contract.

7.11 Platform non-reliance

7.11.1 To the fullest extent permitted by law:

users must not rely on the Platform for guarantees of quality, availability, earnings, or outcomes;

Spenny Piggy makes no representation or warranty as to the success, performance, or reliability of any Creator, content, or Transaction.

7.12 Interpretation priority

7.12.1 This clause shall apply across all Platform documents and shall be interpreted in a manner that:

preserves the Creator’s status as Merchant of Record;

limits Spenny Piggy’s role to that of a technology platform;

prevents any interpretation that would impose seller, supplier, or intermediary liability on Spenny Piggy.

8. Pricing Policy

8.1 Platform pricing structure

8.1.1 Spenny Piggy applies a fee structure to Transactions conducted through the Platform.

8.1.2 Fees may be applied in a number of ways, including:

8.1.3 For the avoidance of doubt, the total amount paid by a Supporter may exceed the price set by the Creator due to the application of such fees.

8.1.4 Such fees are applied to cover, without limitation:

8.2 Creator pricing and platform role

8.2.1 Creators determine the base price of their Creator Content, memberships, subscriptions, interactions, and other offerings.

8.2.2 Spenny Piggy does not set Creator pricing and does not act as the seller of Creator Content.

8.2.3 Notwithstanding the above, Spenny Piggy reserves the right to:

8.3 Changes to fees

8.3.1 We reserve the right to change our fees at any time.

8.3.2 We may introduce new fees, adjust existing fees, or change how fees are presented or applied.

8.3.3 Continued use of the Platform after such changes constitutes acceptance of the updated fee structure.

8.4 Subscription and creator account fees

8.4.1 Creators may be required to pay subscription or account fees in order to access certain features of the Platform.

8.4.2 Such fees will be clearly disclosed at the point of purchase or activation.

8.4.3 Failure to pay such fees may result in:

9. Payments

9.1 Platform position on payments

9.1.1 Spenny Piggy is not a payments provider.

9.1.2 Payments are made between Supporters and Creators through third-party payment processors.

9.1.3 By using the Platform, you acknowledge that:

9.2 Payment processor obligations

9.2.1 You agree to be bound by the terms of any payment processors connected to the Platform.

9.2.2 Payment processors are responsible for:

9.3 Visibility of payment information

9.3.1 Payment processors may display certain transaction details depending on the account type and transaction type.

9.3.2 Spenny Piggy does not control how such information is displayed by third-party processors.

10. Return, Cancellation and Refund Policy

10.1 Finality of Transactions

10.1.1 All purchases made on Spenny Piggy are final and non-refundable except where required by law or expressly permitted by these Terms.

10.1.2 This includes, without limitation:

10.2 Subscription cancellation

10.2.1 You may cancel a subscription at any time.

10.2.2 Cancellation prevents future billing only and does not entitle you to a refund for prior charges.

10.3 Chargebacks and consequences

10.3.1 Any Transaction that results in a chargeback may result in:

10.3.2 We reserve the right to recover all associated costs.

10.4 Creator and Platform discretion

10.4.1 Creators may issue refunds at their discretion.

10.4.2 Spenny Piggy reserves the right to issue refunds or reverse Transactions at its sole discretion.

11. Disputes and Chargebacks

11.1 Platform position

11.1.1 Spenny Piggy takes reasonable measures to prevent disputes.

11.1.2 However, disputes may still occur due to the nature of digital transactions.

11.2 Chargeback handling

11.2.1 We may:

11.3 Allocation of losses

11.3.1 In the event of a lost dispute, we reserve the right to charge the Creator some or all of the cost associated with the dispute.

12. Billing Errors

12.1 Notification requirements

12.1.1 If you believe you have been billed in error, you must notify the payment processor and/or Spenny Piggy within thirty (30) days of the charge appearing.

12.1.2 Failure to notify within this period shall be deemed acceptance of the charge.

12.2 Limitation of claims

12.2.1 We shall not be liable for claims arising from billing errors not reported within the required timeframe.

13. Social Media Integrations

13.1 Third-party integrations

13.1.1 The Platform may allow integration with third-party social media services.

13.1.2 By using such integrations, you agree to comply with the terms of those services.

13.2 No affiliation

13.2.1 Spenny Piggy does not have any affiliation with such platforms unless explicitly stated.

14. Account Deactivation

14.1 User-initiated deactivation

14.1.1 You may deactivate your account through the Platform settings.

14.2 Data retention

14.2.1 Certain data may be retained after deactivation for legal, regulatory, or operational purposes.

14.2.2 Such retention may extend for up to twelve (12) months or longer where required.

15. Account Eligibility and User Responsibilities

15.1 Eligibility

15.1.1 You must:

15.2 User conduct

15.2.1 You agree to:

15.2.2 You agree not to:

16. The Licence We Give to You

16.1 Limited licence

16.1.1 Subject to your compliance with these Terms, Spenny Piggy grants you a limited, non-exclusive, non-transferable, non-sublicensable, and freely revocable licence to access and use the Site for your own personal and lawful purposes.

16.1.2 This licence does not grant you any ownership rights in the Platform or any of its content.

16.2 Restrictions on use

16.2.1 Except as expressly permitted under these Terms, you may not:

16.2.2 Any unauthorised use shall constitute a material breach of these Terms.

16.3 Intellectual property rights

16.3.1 All content on the Platform, excluding user-generated content, including text, graphics, software, trademarks, logos, and designs (“Proprietary Materials”), are owned by or licensed to Spenny Piggy.

16.3.2 Such materials are protected under applicable intellectual property laws.

16.3.3 All rights not expressly granted are reserved.

17. The Licence You Grant to Us

17.1 Ownership of content

17.1.1 You confirm that you own, or have the necessary rights to use, all content that you upload or publish on the Platform.

17.2 Licence grant

17.2.1 By uploading or publishing content, you grant Spenny Piggy a worldwide, non-exclusive, royalty-free, perpetual, sublicensable, transferable licence to:

17.2.2 This licence continues even after your account is terminated.

17.3 Platform use and enforcement

17.3.1 You agree that we may:

17.3.2 We may also submit infringement notices where your content is unlawfully copied elsewhere.

17.4 Waiver of moral rights

17.4.1 To the extent permitted by law, you waive any moral rights in relation to content uploaded to the Platform.

18. Termination and Suspension

18.1 Termination by user

18.1.1 You may stop using the Platform at any time.

18.1.2 Termination does not affect obligations incurred prior to termination.

18.2 Termination by Spenny Piggy

18.2.1 We may suspend or terminate your account at any time, with or without notice, where:

18.2.2 We may also restrict access to features, content, or funds.

18.3 Effect of termination

18.3.1 Upon termination:

18.3.2 We may retain data as required by law or policy.

19. Indemnity and Limitation of Liability

19.1 Indemnity

19.1.1 You agree to indemnify and hold harmless Spenny Piggy, its directors, employees, agents, and affiliates from and against any claims, losses, damages, liabilities, costs, and expenses arising out of:

19.2 Limitation of liability

19.2.1 Our total liability shall be limited to the greater of:

19.3 Excluded losses

19.3.1 We shall not be liable for:

19.3.2 Nothing in these Terms excludes liability that cannot be excluded by law.

20. Content Requirements and Platform Integrity

20.1 Creator activity requirements

20.1.1 To maintain access to monetisation features, Creators may be required to maintain a minimum level of activity on the Platform.

20.1.2 This may include the publication of original content and active engagement.

20.1.3 Failure to meet such requirements may result in:

21. Creator Subscription and Platform Fees

21.1 Account fees

21.1.1 Creators may be required to pay a recurring subscription fee to maintain access to Platform features and payment processing infrastructure.

21.1.2 A payment method is required when a Creator account is set up, but no subscription fee is charged until the Creator completes their first sale on the Platform. If a Creator never completes a sale, no subscription fee becomes payable.

21.1.3 The recurring subscription begins on the date of the Creator's first completed sale and is billed monthly from that date until cancelled. A sale that is subsequently refunded or charged back does not reverse a subscription that has already begun.

21.1.4 A Creator who has previously completed a sale on the Platform and who cancels and later re-subscribes will be charged from the date they re-subscribe. The fee-free period applies only to Creators who have not yet made a sale.

21.1.5 Creators may cancel at any time. No cancellation fee or exit charge is applied.

21.1.6 Failure to pay such fees may result in suspension of account functionality.

22. Reporting Content

22.1 User reporting

22.1.1 Users may report content that they believe is illegal, harmful, or in breach of Platform rules.

22.1.2 Reports may be submitted through Platform tools or support channels.

23. Moderation and Review Systems

23.1 Monitoring systems

23.1.1 Spenny Piggy operates a combination of:

23.1.2 These systems are used to:

24. Action on Prohibited Content

24.1 Enforcement actions

24.1.1 Where prohibited or illegal content is identified, we may:

25. Appeals and Communication

25.1 User notification

25.1.1 Where action is taken, we may notify the affected user and provide information on how to appeal.

26. General

26.1 Limitation of service

26.1.1 The Platform is provided on an “as is” and “as available” basis.

26.1.2 We do not guarantee uninterrupted or error-free operation.

26.2 Technical failures

26.2.1 We shall not be liable for failures relating to:

26.3 Changes to the Platform

26.3.1 We may modify, suspend, or discontinue any part of the Platform at any time without liability.

26.4 Inactive accounts

26.4.1 We reserve the right to deactivate accounts that remain inactive for extended periods.

26.5 Third-party links

26.5.1 The Platform may contain links to third-party websites.

26.5.2 We are not responsible for such websites.

26.6 User-generated content

26.6.1 We do not guarantee the accuracy or reliability of user-generated content.

26.7 Dispute resolution

26.7.1 We will attempt to resolve disputes promptly.

26.7.2 Where resolution cannot be reached, alternative dispute resolution mechanisms may apply.

26.8 Legal jurisdiction

26.8.1 These Terms shall be governed by the laws of England and Wales.

26.8.2 The courts of England shall have exclusive jurisdiction.

26.9 Time limits

26.9.1 Any claim must be brought within twelve (12) months of arising.

26.10 Entire agreement

26.10.1 These Terms constitute the entire agreement between you and Spenny Piggy.

These Terms were last updated on 23 April 2026.

© 2026 Social Vortex Limited, trading as Spenny Piggy. All rights reserved.