Terms of Use
Last updated: February 2026
Important Disclaimer
PiggyBack is not financial advice. It is a personal finance tracking tool built for educational and personal use. Always consult a qualified financial advisor for financial decisions. PiggyBack is not affiliated with, endorsed by, or connected to Up Bank (Bendigo and Adelaide Bank / Up Money Pty Ltd) in any way.
MIT License
PiggyBack is released under the MIT License. This means you are free to:
- Use the software for any purpose
- Modify the source code
- Distribute copies
- Sublicense the software
MIT License
Copyright (c) 2025 Ben Laurenson
Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the “Software”), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions:
The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software.
THE SOFTWARE IS PROVIDED “AS IS”, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.
Up Bank API Usage
PiggyBack uses the Up Bank API to sync your transaction data. By using PiggyBack with your Up Bank account, you agree to:
- Comply with Up Bank’s API Terms of Use
- Use your personal access token responsibly
- Not share your Up Bank API token with others
- Acknowledge that PiggyBack is an independent project, not affiliated with Up Bank
Self-Hosted Responsibility
As a self-hosted application, you are responsible for:
- Securing your Supabase database and Vercel deployment
- Managing environment variables and API keys
- Keeping your deployment updated
- Backing up your data
- Complying with applicable privacy laws for your jurisdiction
No Warranty
PiggyBack is provided “as is” without warranty of any kind. The maintainers are not liable for any financial loss, data loss, or other damages arising from the use of this software. Use at your own risk.
Contributing
Contributions to PiggyBack are welcome under the MIT License. By submitting a pull request, you agree to license your contribution under the same MIT License. See the GitHub repository for contribution guidelines.