Terms and Conditions

www.PIGGYBANKGIRLS.com

November, 24th 2014

Introduction

PIGGYBANKGIRLS provides unique private crowdfunding services to GIRLS seeking funds for their very individual projects on www.PIGGYBANKGIRLS.com (henceforth “the PBG platform”). GIRLS are using the PBG platform to get a fair chance being supported by MEMBERS.

In exchange for their support MEMBERS are rewarded with very individual rewards like pictures, videos, audio files, textual content, physical goods and probably even live cam access (subject to the GIRLS` individual choices).

The PBG platform bridges the existing gap between GIRLS with personal life plans and MEMBERS enjoying the utmost individual way of supporting GIRLS in an international internet technology empowered way.

All PBG platform services are designed to facilitate an individual funding environment for GIRLS and MEMBERS with state of the art display, interaction and payment services.

www.PIGGYBANKGIRLS.com is striving to provide all PBG platform services at its very best capabilities but still needs to set out the Terms and Conditions of the PBG platform as follows:

1. User Types and Features

The PBG platform provides role based feature sets to three user types:

1. GIRLS are using the PBG platform to set up, promote and maintain their individual funding projects and uploading rewards for MEMBERS like images, videos, textual content, live cam shows, physical goods as well as the interaction with the MEMBERS of the PBG platform.

2. MEMBERS & GUESTS are using the PBG platform as guests, logged in MEMBERS or even subscribed Premium MEMBERS. They are the end-users of all content and the interaction features with GIRLS on the PBG platform.

3. PIGGYBANKGIRLS maintains, monitors, supervises and controls the content and the features of the PBG platform as well as the interaction between the GIRLS and the MEMBERS.

2. Basic Rules & Restrictions

The PBG platform contact form, the comment forms and all areas to which guests, MEMBERS, Premium MEMBERS as well as GIRLS have access are intended for personal use only. It is not allowed to use any of those areas to advertise other websites or products or to encourage such another user or GIRL to advertise other websites or products. PIGGYBANKGIRLS may terminate the access to the PBG platform of any user or GIRL that PIGGYBANKGIRLS believes to be posting or otherwise distributing commercial messages or data or soliciting other users or GIRLS to such actions. In the event that a user or a GIRL is banned from the PBG platform because of reasons such as the ones described above, and because damages resulting from such actions often can not be calculated exactly, the user or the GIRL agrees to pay PIGGYBANKGIRLS liquidated damages equal to US$25,000 for each instance of solicitation or advertising by the use of the PBG platform. If the damage can be calculated exactly, the User, MEMBER or the GIRL agrees to pay PIGGYBANKGIRLS actual damages.

3. Memberships & Cancellation

The PBG platform users can chose between two levels of MEMBERSHIPs:

  • 1. MEMBERSHIP and
  • 2. Premium MEMBERSHIP.

To obtain a MEMBERSHIP, it is mandatory to insert a personal member name, a valid email address as well as the date of birth. When a contribution is made, the payment processor requires further personal data (name, home address, credit card data).

A MEMBERSHIP can be extended to a Premium MEMBERSHIP. A Premium MEMBERSHIP includes extra features which are described on the PBG platform.

Each registration is valid for only one user. It is not allowed to transmit the user name and / or the password to another person. The security of the password is the user's responsibility. As long as a user has a MEMBERSHIP on the PBG platform, he/she is allowed to access the purchased contents of the PBG platform and to participate in further interactions. It is not allowed to record, save, share, reproduce, copy or sell any kind of content or interaction. Amongst other things, this concerns uploading content or interactions on one-click-hoster / sharehoster or the joint use of the content or the interaction on exchange platforms or on torrent networks.

A MEMBERSHIP doesn't need to be cancelled as there are no recurring payments, with the exception of users who subscribed to a Premium MEMBERSHIP. A Premium MEMBERSHIP can be cancelled two weeks before its extension without any indication of reasons. The cancellation is effective only at the end of the initially chosen subscription term and if the subscription has been cancelled on time, i.e. latest two weeks before the extension.

The MEMBERSHIP as well as the Premium MEMBERSHIP can be cancelled either by clicking on “Deactivate your account” in the Settings section of the user's profile page and using the subsequent online form or by writing an e-mail to support@PIGGYBANKGIRLS.com including the user name as well as the email address with which the user account was created (in case a different email address is used for the cancellation request). PIGGYBANKGIRLS will send a confirmation of the termination of the MEMBERSHIP or the Premium MEMBERSHIP to the email with which the account has been created. The cancellation is not valid until all required data have been sent to PIGGYBANKGIRLS. A user may be obliged to prove the sending of a cancellation and / or the receipt of a confirmation of his termination.

4. Fees & Transaction Cost

The basic access to the PBG platform is free for Guests, MEMBERS and GIRLS.

MEMBERS and Premium MEMBERS can support GIRLS by selecting of and paying for the rewards offered by the GIRLS on the PBG platform; all purchases will be done as one-time payments. PIGGYBANKGIRLS´payment processor will try to process the value of the selected rewards plus the VAT of the country of the MEMBER (there are no VAT for non-european citizens). You will be informed about the respective cost of every payment you're going to make. Depending on the country of the credit card used for the payment, there can also be conversion charges which have to be paid by the user.

In case of a successful payment operation the paying MEMBER will have access to the specific content offered, described and uploaded by the GIRLS.

GIRLS will be charged with PIGGYBANKGIRLS service fees of 20 % of the funds they acquired on the PBG platform. PIGGYBANKGIRLS may change the service fees or introduce new features and fees at any time.

Any effective wire transfer fees and eventually arising currency conversion cost for transactions related to payouts to GIRLS will be deducted from the respective payout amount.

As a GIRL you hereby confirm that you will pay any applicable taxes for funds received according to your local tax law and take any individual responsibilty for your personal tax payment obligations.

A premium MEMBERSHIP can be purchased with an on-going subscription at a monthly subscription rate of 9.99 US$. So the user having subscribed to a Premium MEMBERSHIP will be charged with the respective amount of the agreed subscription until his cancellation is valid.

If the premium MEMBERSHIP is offered at a reduced price for the first month, which can be effected without further notice, the subscription will be recurring at the full subscription amount of 9.99 US$ after this first month unless the subscription is cancelled in due time (for cancellaction terms, see 3.).

PIGGYBANKGIRLS does not guarantee the availability of a refund for any reason. PIGGYBANKGIRLS may provide refunds at its own sole discretion; however it is under no obligation to do so.

You are liable and responsible for all purchases made on your account with PIGGYBANKGIRLS, regardless of whether or not the purchase is made by someone else, regardless of whether or not the purchase was authorized, and regardless of the true owner of the payment method used to fund the purchase. Furthermore, the account of a user who haven't made payments in due time is deactivated until the open payment has been effected.

Any communication regarding a refund or transaction reversal must be made to PIGGYBANKGIRLS (support@PIGGYBANKGIRLS.com). Inquiring about, requesting or receiving any transaction reversal, refund or charge-back from the payment processor, credit card, bank, or any other entity other than PIGGYBANKGIRLS is strictly prohibited and will constitute fraud and an intentional breach of this agreement, for which PIGGYBANKGIRLS will pursue full legal remedies.

5. Age Restrictions

You must be eighteen (18) years of age or over (or 21 years old in any location where 18 is not the majority age) to use the platform. Sign-up is void where prohibited. By using and/or viewing the PBG platform, you represent and warrant that you have the right, authority and capacity to apply to these regulations and to abide by all of these terms and conditions and that you are at least 18 years old (or 21 years old in any location where 18 is not the majority age) and you are interested in and wish to have access to sexually explicit content. The materials that are available within the PBG platform should not be accessed by anyone who is younger than 18 years old (or 21 years old where 18 is not the majority age) or who is offended by such materials or who does not wish to be exposed to such materials. PIGGYBANKGIRLS reserves the right to demand a presentation of legal documents for age verification. PIGGYBANKGIRLS will immediately delete every account when there are reasonable grounds to suspect that it is used by a person under the age of 18 or the respective majority age in his or her country.

By using and/or viewing this the PBG platform you represent and warrant under penalty of perjury the following:

  1. 1. That you are an adult, at least 18 years of age (or 21 years where 18 is not the majority age).
  2. 2. That you will not permit any person(s) under 18 years of age (or 21 years where 18 is not the majority age) to have access to any of the materials contained within the PBG platform.
  3. 3. That you understand that when you gain access to the PBG platform, you will be exposed to visual images, verbal descriptions and audio sounds of a sexually oriented, frankly erotic nature, which may include graphic visual depictions and descriptions of nudity and sexual activity. You are voluntarily choosing to do so, because you want to view, read and/or hear the various materials which are available for your own personal enjoyment, information and/or education. Your choice is a manifestation of your interest in sexual matters which, you believe, is both healthy and normal and which, in your experience, is generally shared by average adults in your community. You further represent and warrant that you are familiar with the standards in your community regarding the acceptance of such sexually-oriented materials and the materials you expect to encounter are within those standards. In your judgement, the average adult in your community accepts the consumption of such materials by willing adults in circumstances such as this which offer reasonable insulation from the materials for minors and unwilling adults, and will not find such materials to appeal to a prurient interest or to be patently offensive.
  4. 4. That you further represent and warrant that you have not notified any governmental agency, including the U.S. postal service, that you do not wish to receive sexually oriented material.
  5. 5. That you represent and warrant that you have not and will not use and/or view the the PBG platform in a restricted location - namely a place, country, or location in which doing so would, or could be deemed a violation of any law, regulation, rule, ordinance, edict or custom.

6. PBG Platform Content

You understand and agree that the content displayed on the platform is primarily posted by third parties and PIGGYBANKGIRLS does not pre-screen or preemptively monitor every content. PIGGYBANKGIRLS is not liable or responsible for content posted by third parties.

PIGGYBANKGIRLS claims immunity from liability to the fullest extent under the law and as provided under the Communications Decency Act for Content posted by third parties and nothing in this Agreement is intended to waive, remove, or usurp such immunity.

You understand and agree that PIGGYBANKGIRLS may delete any content that in the sole judgement PIGGYBANKGIRLS violates the Terms and Conditions or which might be offensive, illegal, or that might violate the rights, harm or threaten the safety of PIGGYBANKGIRLS, its employees, associates or users. PIGGYBANKGIRLS is not responsible for any failure or delay in removing such content.

The PBG platform may display images from, or otherwise link you to other websites on the internet. These websites may contain information or material that some people may find inappropriate or offensive. These other websites are not under PIGGYBANKGIRLS' control and you acknowledge that PIGGYBANKGIRLS is not responsible for the accuracy, copyright compliance, legality, decency or any other aspect of the content of such websites. The inclusion of such a link does not imply endorsement of the website by PIGGYBANKGIRLS or any association with its operators.

You are solely responsible for the content that you post on the PBG platform or otherwise transmit to other PIGGYBANKGIRLS users. You guarantee that any persons appearing in your content are over the age of 18 and that they've given their consent about the the upload of the content on PIGGYBANKGIRLS.

Pictures, textual content, videos and other content used in the description of a fund might be used by PIGGYBANKGIRLS for social media, marketing and all other promotional purposes. This also applies for any content provided by GIRLS after a funding project is ended for whatever reason.

By posting content on the PBG platform you automatically grant, represent and warrant that you have the right to grant to PIGGYBANKGIRLS and visitors of the platform an irrevocable, perpetual, non-exclusive, worldwide license to use, copy, perform, display and distribute such information. You also grant the rights of publicity and of the posted content and any preparation of derivative works of it or incorporation into other works and other media of such information and content, and to authorize sub-licenses of the foregoing.

With the exception of personal data, which are subject to our privacy policy, all content which is transmitted to and published on the PBG platform is classified as non confidential and not protected by copyright. PIGGYBANKGIRLS isn't entering any commitment in relation to such content. PIGGYBANKGIRLS is entitled to use this content and all included elements (data, pictures, sounds, texts, comments, etc.) at all times for commercial and non commercial purposes.

7. Code of Conduct

You agree that you will not post or otherwise distribute or facilitate distribution of any content that:

  1. 1. is illegal, unlawful, threatening, abusive, racist, inflammatory, harassing, defamatory, libellous, deceptive, fraudulent, invasive of another's privacy or publicity rights, tortious or otherwise violates PIGGYBANKGIRLS' rules or policies;
  2. 2. infringes on any patent, trademark, trade secret, copyright, right of publicity or other proprietary right of any party;
  3. 3. constitutes unauthorized or unsolicited advertising, chain letters, any other form of unauthorized solicitation or any form of lottery or gambling;
  4. 4. contains software viruses or any other computer code, files, or programs that are designed or intended to disrupt, damage or limit the functioning of any software, hardware or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of any third party;
  5. 5. contains information, material or pictures of any person who is not both older than eighteen (18) years old and over the majority age in such person's state, province or country of residence; or
  6. 6. contains advertisement for other websites than the platform or labour piracy for other companies; or
  7. 7. represents behaviour or encourages behaviour to a behaviour which can or will be seen as a criminal act, may entail civil liability, violate a law in any other way or hurt the rights of any third party in any country.

You also agree that you will not:

  1. 1. harvest or collect information about the users of the PBG platform;
  2. 2. use such information for the purpose of transmitting or facilitating transmission of unsolicited bulk electronic e-mail or communications;
  3. 3. knowingly solicit or collect personal information from a minor under eighteen (18) years or age (or 21 years where 18 is not the majority age);
  4. 4. use any robot, spider, other automatic device or manual process to monitor or copy our web pages or the content contained herein without our prior expressed written permission;
  5. 5. use any device, software or routine to bypass, or to interfere or attempt to interfere with the proper working of PIGGYBANKGIRLS;
  6. 6. take any action that imposes an unreasonable or disproportionately large load on our infrastructure; or
  7. 7. act in bad faith against PIGGYBANKGIRLS.

You further agree to use only your own account to login to the PBG platform, establish a secure password and to not make your login credentials available to anyone else. You agree that you are responsible and liable for any actions on your account/persona even if they are performed by a third party.

If you are on a computer terminal that may be accessed by persons other than yourself, you agree to log out of the PBG platform by clicking the Logout button and not to allow the browser to save or otherwise store your personal username and password.

If you access the PBG platform and find it is already logged in under another account, you must immediately log out of the PBG platform by clicking the Logout button.

8. Term and Termination

PIGGYBANKGIRLS reserves the right, in its sole discretion, to terminate your access to all or part of the PBG platform, with or without notice, for any reason, including, without limitation, if PIGGYBANKGIRLS believes that you have violated or acted inconsistently with the letter or spirit of these Terms and Conditions. Any termination will be effective by deactivation of your account by PIGGYBANKGIRLS and sending an e-mail to you.

PBG platform users may cancel their accounts either by clicking on “Deactivate your account” in the Settings section of the user's profile page and using the subsequent online form or by writing an e-mail to support@PIGGYBANKGIRLS.com.

All rights granted by you to PIGGYBANKGIRLS during the term of this Agreement shall survive the termination of this Agreement by either party.

You acknowledge that PIGGYBANKGIRLS shall not be liable to you or any third party for any termination of your access to the PBG platform.

9. Non-Guarantee of Features and Benefits

Though PIGGYBANKGIRLS ensures to the best of its ability the permanent operability of the PBG platform, it does not guarantee that you will be able to access or use any or all parts of the PBG platform, and you agree that PIGGYBANKGIRLS shall have no liability to you whatsoever for any such inaccessibility. The access to the PBG platform can be suspended temporarily and without further notifications when there are system errors, maintenance or repair measures or when there are causes beyond PIGGYBANKGIRLS' control.

Though PIGGYBANKGIRLS ensures to the best of its ability the correctness of information on the PBG platform, PIGGYBANKGIRLS neither guarantees their freedom from error nor the completeness of the material on the PBG platform. PIGGYBANKGIRLS can change at all times the material on the PBG platform or the therein described products and prices without further notice. The respective prices for the retrieval of content and the participation in interactions are set by the GIRLS, wherefore PIGGYBANKGIRLS has no control on the price levels. The material on the PBG platform may be outdated and PIGGYBANKGIRLS is not obliged to update this material.

10. Proprietary Rights and Restrictions

You acknowledge and agree that all content and materials available on the PBG platform are protected by copyrights of PIGGYBANKGIRLS. You will not display or use the PIGGYBANKGIRLS logo or content in any manner without PIGGYBANKGIRLS's prior permission. You agree not to sell, resell, exploit for any commercial purposes, license, rent, modify, distribute, copy, reproduce, duplicate, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from any rewards obtained from the PBG platform. The same applies to all content of fund descriptions. Systematic retrieval of data or other content from the PBG platform to create or compile, directly or indirectly a collection, compilation, database or directory without written permission from PIGGYBANKGIRLS is prohibited. In addition the usage of any content or materials you obtained from the PBG platform for any purpose which is not expressly permitted in these Terms and Conditions is prohibited.

Especially all Content, video, audio and text appearing on the PBG platform and may not be recorded or disseminated in any way.

11. Copyright Policy

Except for electronic messages all content and services on the PBG platform are protected by Irish copyright laws and are protected under treaty provisions and worldwide copyright laws. You may not post, distribute, edit, publish or reproduce in any way any copyrighted material, trademarks or other proprietary information without obtaining the prior written consent of the owner of such proprietary rights or otherwise have a valid basis under the law, including "fair use". Without limiting the foregoing, if you believe that your work has been copied and posted on the PBG platform in a way that constitutes a copyright infringement, please provide us with the following information consistent with the Digital Millennium Copyright Act (DMCA):

  1. 1. an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
  2. 2. a description of the copyrighted work that you claim has been infringed;
  3. 3. a description of where the material that you claim is infringing is located on the the PBG platform including the URLs of web pages and/or hyperlinks;
  4. 4. your address, telephone number, and email address;
  5. 5. a written statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
  6. 6. a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

It is the intention of PIGGYBANKGIRLS to fully comply with the DMCA, including the "notice" and "take down" provisions and to benefit from the safe harbours immunizing it from liability to the fullest extent provided by law, and to the extent the "notice" and "take down" requirements above deviate from the requirements under the DMCA then the "notice" requirements as provided by the DMCA shall control and are herein incorporated by reference.

If you believe that your work has been copied and is accessible on the PBG platform in a way that constitutes copyright infringement, you may notify PIGGYBANKGIRLS on the Contact page.

Except where otherwise specified, all intellectual property rights of all material on the platform (including pictures, photographs, content and all interactions) are owned by PIGGYBANKGIRLS or the GIRLS. Therefore, every use of these elements (as described in 9.) is strictly prohibited for all purposes. If you violate those Terms and Conditions, the permission to use the PBG platform automatically expires and you are consequently obligated to delete all downloaded elements of the platform as well as all content and / or interactions.

12. Privacy Policy

PIGGYBANKGIRLS collects, processes and saves the data that are necessary for the delivery and the billing of services. These are inventory data, user data and accounting data. Your personal data will not be handed to any third party and will stay with PIGGYBANKGIRLS with the exception described in 13. Reporting Violations of Rights of Privacy or Publicity.

MEMBERS may provide their postal addresses to GIRLS for the purpose of GIRLS sending any physical goods to MEMBERS as offered and described on the PBG platform.

GIRLS hereby declare, that they will use MEMBERS` addresses received on the PBG platform ONLY for catering their delivery obligations. Any misuse of MEMBERS` addresses by GIRLS is strictly illegal. In case of any reporting of an infringement PIGGYBANKGIRLS will block the GIRL`s account and freeze any payouts without further investigation and evaluation of the reported case. Additionally PIGGYBANKGIRLS will hold any GIRL in any reported case of an violation of this regulation responsible for potentially arising damage and cost.

MEMBERS hereby declare, that the provisioning of postal addresses to GILRS for the delivery of any physical goods is in their personal responsibilty. MEMBERS will indemnify PIGGYBANKGIRLS from any arising potential damages or cost caused by the provisioning of a false postal address.

Your e-mail address that you used to sign up on the PBG platform may be used to notify you about news from PIGGYBANKGIRLS or any other product of Translease International Ltd.

13. Reporting Violations of Privacy Rights or Publicity

If you believe that your privacy rights or publicity rights have been violated by information or material that is accessible on the PBG platform, you may notify PIGGYBANKGIRLS on the Contact page or by sending an e-mail to support@piggybankgirls.com.

14. Fraudulent Activities

PIGGYBANKGIRLS does not tolerate fraudulent activities. If a user is considered to have tried to defraud PIGGYBANKGIRLS, GIRLS or other users in any way (among other things fraudulent payments, for example by using stolen credit cards, false account data, abusive use of account data or any other fraudulent activity, for example chargebacks or every other refund of an effected payment) or to have effected forbidden transactions (among other things money laundering) or if a user's payments were not accepted or effected by his bank, PIGGYBANKGIRLS reserves the right to immediately deactivate or delete the user account and to collect every default on receivables in every way available by law, e.g. collection of the amount owed from the credit card or the commissioning of a debt-recovery company. This can have negative effects of the credit worthiness of the user and requires that PIGGYBANKGIRLS transmits personal data to the respective agencies.

15. Disclaimers of Warranties

PIGGYBANKGIRLS, including the employees working on it, is not responsible for any incorrect or inaccurate content posted on the PBG platform or in connection with the PBG platform service, whether caused by users, or by any of the equipment or programming associated with or utilized in the service, nor for the conduct of any user and/or member of the PBG platform service whether online or offline. PIGGYBANKGIRLS assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, user and/or member communications. PIGGYBANKGIRLS is not responsible for any problems or technical malfunction of any telephone network or lines, computer on-line-systems, servers or providers, computer equipment, software, failure of email or players on account of technical problems or traffic congestion on the Internet or at any website or combination thereof, including injury or damage to users or to any other person's computer related to or resulting from participating or downloading materials in connection with the PBG platform and/or in connection with the PIGGYBANKGIRLS service. Under no circumstances will PIGGYBANKGIRLS be responsible for any loss or damage resulting from anyone's use of the PBG platform or the service and/or any Content posted on the PBG platform or transmitted to PIGGYBANKGIRLS users. The PBG platform and the service are provided "AS-IS", "AS-AVAILABLE", and "AT YOUR OWN RISK" and PIGGYBANKGIRLS expressly disclaims any warranty of fitness for a particular purpose or non-infringement. PIGGYBANKGIRLS cannot guarantee and does not promise any specific results from use of the PBG platform and/or the PIGGYBANKGIRLS service.

16. Limitations of Liability

Except in jurisdictions where such provisions are restricted (and in that event liability is disclaimed to the fullest extent permitted by law), in no event PIGGYBANKGIRLS will be liable to you or any third person for any indirect, consequential, exemplary, incidental, special or punitive damages, including also lost profits arising from your use of the PBG platform or PIGGYBANKGIRLS service even if PIGGYBANKGIRLS has been advised of the possibility of such damages. You further agree to hold PIGGYBANKGIRLS harmless for claims arising from the use of PIGGYBANKGIRLS. Notwithstanding anything to the contrary contained herein, PIGGYBANKGIRLS's liability to you for any cause whatsoever, and regardless of the form of the action, will at all times be limited to the amount paid, if any, by you to PIGGYBANKGIRLS for the service during the term of MEMBERSHIP.

17. Indemnification

You agree to be personally liable and indemnify and hold PIGGYBANKGIRLS, its employees and share holders harmless from and against any and all claims, expenses and demands, including attorneys' fees, made by any third party due to, arising out of, or asserted in connection with your use or misuse of the PBG platform, including claims relating to content you submit, post to or transmit through the PBG platform, and your connection to and use of the PBG platform. PIGGYBANKGIRLS reserves the right to have control of any defence and control of any matter otherwise subject to indemnification by you. You agree to cooperate with PIGGYBANKGIRLS in asserting any available defences.

18. Jurisdiction and Venue

The PBG platform accessible at www.PIGGYBANKGIRLS.com is owned and operated by Translease International Limited which has its headquarters in Dublin, Ireland. There is no guarantee that the content or the services available on the platform are appropriate, available or legal to use in other locations. The present terms and conditions are governed and construed by Irish Law, without regard to conflicts of law provisions. In case of a conflict arising because of or in relation to the terms and conditions or use or access to the PBG platform, any suit must be brought in court in Dublin and it must be agreed to submit to the personal and exclusive jurisdiction of such courts located in such country.

19. Choice of Law and Forum

These Terms of Use shall be governed by and construed in accordance with the laws of the Republic of Ireland, excluding its conflicts of law rules. You expressly agree that the exclusive jurisdiction for any claim or action arising out of or relating to these Terms of Use or your use of the PBG platform shall lie only in the courts of the Ireland, and you further agree to and submit to the exercise of personal jurisdiction of such courts for the purpose of litigating any such claim or action.

20. International use

PIGGYBANKGIRLS makes no representation that materials on the PBG platform are appropriate or available for use in any particular locations and accessing them from territories where their contents are illegal is prohibited. Those who choose to access the PBG platform from any location do so on their own initiative, at their own risk, and are responsible for compliance with local laws. If you use the PBG platform in a jurisdiction that prohibits or restricts such use, your use will be subject to, without limitation, any other provision of the Terms and Conditions and PIGGYBANKGIRLS shall not have any liability with respect to such use.

21. Changes of the Terms & Conditions

PIGGYBANKGIRLS reserves the right to change the Terms and Conditions at any time at its own discretion. All changes of the Terms and Conditions are effective on the date of publication on the PBG platform.

PIGGYBANKGIRLS will inform you about any future changes using your registered e-mail address.

In case of your disagreement to any future changes your only legal remedy is the cancellation of your PBG platform membership defined in 3. Memberships & Cancellation.

By continuously using the PBG platform more than 30 days after the publication of any future changes, this will be considered as your obligatory agreement to the changes.

22. Notices

PIGGYBANKGIRLS may serve you notice by sending an e-mail to your e-mail address stored in your profile on the PBG platform.

You may serve notice to PIGGYBANKGIRLS using the PBG platform´s contact page or by sending an e-mail to support@piggybankgirls.com.

23. Final Provisions

These Terms and Conditions are governed by the laws of Ireland and we and you submit to the exclusive jurisdiction of Courts of Ireland. If any part of these Terms and Conditions is determined to be invalid or unenforceable pursuant to applicable law, the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms and Conditions shall remain in effect.