Terms of Service – We Piggy Bank

WePiggyBank.com

We are here to help you, your family and your business. We piggy bank for them all!

General Terms and Conditions

If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern our relationship with you. If you disagree with any part of these terms and conditions, please do not use our website. The term ‘website’, ‘we’, ‘us’ or ‘our’ refers to Criptium Ltd and its related services. The term ‘user’, ‘you’ or ‘your’ refers to the website visitor.

The use of this website is subject to the following terms of use:

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our website, including but not limited to the software and the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page from our website for your personal reference. You must not modify, amend, distribute or copy any materials you have printed off or downloaded from our website. You must not use any illustrations, photographs, video, audio sequences, graphics, names or trade marks separately from any accompanying text. Our status as the authors of material on our website must always be acknowledged. You must not use any part of the materials on our website for commercial purposes without obtaining a licence to do so from us.

If you print off, copy, download or use any part of our website in breach of these terms of use, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Our liability

The material displayed on our website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our company and third parties connected to us hereby expressly exclude:

All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity. Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our website or in connection with the use, inability to use, or results of the use of our website, any websites linked to our website and any material displayed on our website, including, without limitation any liability for:

loss of income or revenue;
loss of business opportunity;
loss of profits or contracts;
loss of anticipated savings;
loss of data;
loss of goodwill or reputation;
wasted management or office time;
and any other loss or damage of any kind, however arising and whether caused by tort, negligence, breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

As a consumer, please be aware that we only provide our website to you for private use. By accessing our website, whether as a registered user or a guest, you agree not to use our website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

Nothing in these terms shall limit our liability for death or personal injury arising from our negligence, for our fraud or fraudulent misrepresentation, nor any other liability which cannot be excluded or limited under applicable law.

We do not accept any liability for any purchases that you make as result of any comments and/or information contained on this website. Please note that separate terms and conditions will apply to such purchases and will be brought to your attention at the point of sale.

Information about you and your visits

We process information about you in accordance with our privacy policy. By using our website, you consent to such processing and you warrant that all data provided by you is accurate.

Information about us

wepiggybank.com is a website operated by Criptium Ltd, registered in England and Wales as a private limited company.

Accessing our website as a guest

Access to our website is permitted on a discretionary basis, and we reserve the right to withdraw or amend the functionality we provide on our website without notice. We may also restrict access to some parts of our website, or our entire website from time to time. We will not be liable if, for any reason, our website or any of its functionality is unavailable at any time or for any period.

Accessing our website as a registered user

By creating a valid and verified account you will be able to post content on our website. Before posting content on our website you must register as a user and confirm that you can and will continue to comply with the provisions of our terms of use including confirming that you are 18 years old or older. Use of your user account is permitted on a discretionary basis, and we reserve the right to withdraw or amend the functionality we provide to users on our website without notice. We will not be liable if, for any reason, our website or any of its functionality is unavailable at any time or for any period.

When creating an account you will choose a username and password and provide such additional pieces of information as may be required as part of our security procedures. All such information must be treated as confidential and you must not disclose it to any third party. We have the right to disable any username or password, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use. If you create an account through a third party service, you give us the right to access and use your information from that service (as permitted by that service) and to store your username and password for that service.

Your account is personal to you. On creating the account, you represent that all the information you have provided is true and accurate. If any information that you have provided to us is inaccurate, it is your responsibility to amend such information as soon as possible. You agree not to sell or transfer your account or any part of it to any third party. You are responsible for making all arrangements necessary for you to have access to our website.

Acceptable use of our website

You may use our website only for lawful purposes. You may not use our website:

if you are under 18 years old;
in any way that breaches any applicable law or regulation, is unlawful or fraudulent;
for the purpose of harming or attempting to harm others in any way;
to use any material which does not comply with these terms of use or our privacy policy;
to transmit any unsolicited or unauthorised advertising or promotional material;
to knowingly transmit any data or upload any material that contains any harmful programs to adversely affect the operation of any computer;
to reproduce, duplicate, copy or re-sell any part of our website in contravention of the provisions of these terms of use;
to access without authority, interfere with, damage or disrupt any part of our website;
to impersonate any person, or to misrepresent your identity or affiliation with any person;
to breach any legal duty owed to a third party, such as a contractual duty or a duty of confidence.

Viruses, hacking and other offences

You must not misuse our website by knowingly introducing viruses or other material which are malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack.

By breaching this provision, you may commit a criminal offence under the Computer Misuse Act 1990. We may report any such breach to the relevant law enforcement authorities and co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.

We will not be liable for any loss or damage caused by viruses or a distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website, or to your downloading of any material posted on it, or on any website linked to it.

Interactive services

We currently provide an interactive service which allows sharing and commenting on user content. We are under no obligation to oversee, monitor or moderate any interactive service we provide on our website, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user, whether the service is moderated or not. Due to the interactive nature of the service, we do not perform any pre-submission monitoring of user content. If you wish to report an interactive service you may do so using the ‘report this look’ button. You will be asked to give a reason for your report, which will stay anonymous and only visible to our team. The reported look will be reviewed by a member of our team and its administrators. If it is deemed by us, at our sole discretion, to not comply with these terms of use, our privacy policy statement or guidelines, the image will be removed.

Reliance on information posted

Commentary and other materials posted on our website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our website, or by anyone who may be informed of any of its contents.

Linking to our website

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link from any website that is not owned by you. Our website must not be framed on any other website, nor may you create a link to any part of our website other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the content standards set out in these terms of use.

Links from our website

Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. Your use of those websites will be subject to the terms of use contained in the relevant website.

Our website changes

We aim to update our website regularly, and may change the content at any time. If the need arises, we may suspend access to our website, or close it indefinitely. Any of the material on our website may be out of date at any given time, and we are under no obligation to update such material.

Jurisdiction and applicable law

The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our website although we retain the right to bring proceedings against you for breach of these terms of use in your country of residence or any other relevant country. These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation, including non-contractual disputes or claims, shall be governed by and construed in accordance with the law of England and Wales.

Variation and assignment

We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our website. We may assign or otherwise transfer our rights and/or obligations under these terms to any third party from time to time.

Your concerns

If you have any concerns about material which appears on our website or the accessibility of our website please contact us. Thank you for visiting our website.

Cookies Policy

What are cookies?

A cookie is a small text file information that a website sends and saves to your computer hard drive using your web browser. A cookie allows us to recognise you as a user when you return to wepiggybank.com website using the same device and web browser.

Please note that:

Cookies can’t harm your computer
Cookies don’t contain any personal information about a specific website user.
Our cookies don’t store sensitive information such as your name, address or payment details: they simply hold the ‘key’ that, once you’re signed in, is associated with this information.
We don’t store personally identifiable information (PII) such as credit card details in cookies we create, but we do use encrypted information gathered from them to help improve your experience of the website. For example, they help us to identify and resolve errors, or to determine relevant related products to show you when you’re browsing.

Cookies serve a number of purposes. They can:

Speed up your use of a website.
Make the personalization of your experiences on a website possible. For example, a cookie may enable a website to record your browsing activities, such as what pages and content you’ve looked at and when you visited. Cookies enable a website to remember items in your shopping cart, your log-in name and by doing so look to provide a better experience for every user while browsing the web.

Some cookies are essential to the operation of key elements of the website and need to be enabled in order for you to be able to use the key functions of the, website such buying products and/or services. To order products and or services, you need to have cookies enabled.

You may delete and block all cookies from this website but beware that parts of the website will not work if you do, although you may continue to browse the website. Most web browsers have cookies enabled, but see managing cookies for help to turn them on/off should you need to. Alternatively, by blocking cookies using your browser, you can prevent these suppliers from using cookies.

We’re giving you this information as part of our initiative to comply with recent legislation, and to make sure we’re honest and clear about your privacy when using our website. We know you’d expect nothing less from us, and please be assured that we’re working on a number of other privacy and cookie-related improvements to the website.

Our cookies policy

To ensure that your experience on the wepiggybank.com website is as fast and efficient as possible and that all the features on our website work properly, your computer, tablet or mobile phone will need to accept cookies. You can block cookies and still browse the website but your user experience may not be as good.

Some cookies are essential to the operation of key elements of the website and need to be enabled in order for you to be able to use the key functions of the website such buying products and/or services. To order products and or services, you need to have cookies enabled. If you order products and/or services on the website you are deemed to have agreed to the use of cookies which are essential to the operation of that element of the website.

Cookies will automatically be placed on your computer, tablet or mobile web browser when you visit the wepiggybank.com website and once you have clicked to accept the pop up message which appeared when you first visited the wepiggybank.com website after the introduction of this policy, your continued use of our website services signifies your consent to our policy.

Third party cookies

Cookies we use

Essential Cookies These cookies are strictly necessary in order to enable you to move around our website and use its features. It ensures that our website works correctly and tracks sign up’s you have made.

• wepiggybank.com Cookies • ASP.NET SessionId This cookie makes sure you are connected to the right services on our website so that it functions correctly.

• wepiggybank.comVisited This cookie helps you complete areas of the website without having to re-enter information already provided.

Performance Cookies These cookies collect anonymous information about how you use our website to help us improve the way the website functions. These cookies provide stats on how our website has been used.

Third Party Cookies

Google Analytics
Kiss Metrics These cookies are used to collect information about how visitors use our website. We use the information to compile internal user conversion and website features usage statistics.

Functionality Cookies

These cookies allow websites to remember certain choices you have made so that when you subsequently return, you can be provided with personalised settings. At the current time our website does not utilise any cookies of this type.

How to manage your cookie settings

Most web browsers automatically accept cookies however you can change your browser settings to prevent automatic acceptance or you can manually remove your cookie history.

GDPR Compliance

The Data Protection Directive 95/46/ec is set to be replaced by the new General Data Protection Regulation (GDPR), which is meant to be effective from May 25th, 2018. The GDPR aims at standardizing the various different privacy legalizations across the European Union into a single set of rules that will enhance the users’ data protection across all member states. The new digital privacy regulation is applicable to any organization, anywhere in the world that handles European Union citizens’ personal data must comply with it.

On one hand, GDPR may sound intimidating since it strengthens the rules regarding how organizations process personal data of their customers, thus enabling stricter regulations for how to use data collected, as well as enhancing data protection and privacy by periodically conducting privacy impact assessments and better communicating data breaches. However, GDPR may be seen as an opportunity to assess and improve the way companies deliver services to their clients. Data security and privacy are a concern for online cutomers.

Our platform is compliant to the guidelines set forth by the GDPR by implementing privacy processes and procedures aiming fostering the transparency of client’s data collection, data storage and processing, as well as data removal. More information is available at https://gdpr-info.eu/.

Thank you for visiting our website. This privacy policy tells you how we use personal information collected at this website. Please read this privacy policy before using the website or submitting any personal information. By using this website, you are accepting the practices described in this privacy policy. These practices may be changed, but any changes will be posted and will only apply to activities and information on a going forward, not retroactive basis. You are encouraged to review the privacy policy whenever you visit the website to keep track of the policy changes and make sure that you understand how any personal information you provide will be used.

The privacy practices set forth in this privacy policy are for this website only. If you link to other websites, please review the privacy policies posted at those websites. Your personal data will be processed pursuant to the Data Protection Act 1998 by us.

While providing the service we will receive information that might identify you or the device that you are using, such as your MAC address, IP address, and unique device identifiers such as a name or number assigned to the device. We may also receive the real-time location of your device while it is accessing the service.
Any personal data which we may collect will be processed for the purpose of enabling you to access the service, ensuring your compliance with our Terms of Service, cooperating with legal authorities, and otherwise protecting our or a third party’s rights, property and interests.
You are not obliged to provide your personal data, but your refusal to do so may not enable you to access the service.
The data controller is Criptium Ltd.
In your capacity as the data subject you can exercise all rights contemplated by the Data Protection Act 1998 including the right to request a copy of personal data held by us.

Collection of information

We collect personally identifiable information (names, email addresses) when voluntarily submitted by our visitors. This information is only used to fulfil your specific request, and to sign you up for our service mailing list, unless you give us permission to use it in other manners.

Distribution of information

We may share information with governmental agencies or other companies assisting us in fraud prevention or investigation. We may do so when:

permitted or required by law;
trying to protect against or prevent actual or potential fraud or unauthorized transactions;
investigating fraud which has already taken place.

The information is not provided to these companies for marketing purposes.

Commitment to data security

Your personally identifiable information is kept secure. Only authorized employees, agents and contractors (who have agreed to keep information secure and confidential) have access to this information. All emails and newsletters from wepiggybank.com allow you to opt out of further mailings.

Privacy contact information

If you have any questions, concerns, or comments about our privacy policy you may contact us using means provided on this website. We reserve the right to make changes to this policy. Any changes to this policy will be posted.

Code of Conduct

We want all visitors to our websites to have a safe, interesting and friendly experience. Accordingly, all users of our sites and any contributions they make to the sites must comply with this Code of Conduct. Your use of our websites means that you accept and agree to abide by this Code of Conduct, which supplements and forms part of the Terms of Service. We may need to revise the Code of Conduct from time to time by amending this page. Please review this page regularly to ensure you are aware of any changes we make as they are legally binding on you. If you reasonably believe that any contribution to our websites made by another user contravenes this Code of Conduct and/or any of the Terms of Service, please notify us using the Contact Us page. Within this Code of Conduct, “contribution” means any material posted or uploaded to our websites by a member of the public, including without limitation any text, photographs, graphics, video or audio material.

Your Contributions:

must be your own original work. You may be entitled to incorporate into your contribution certain material made available on our websites but only where that is expressly made clear. Otherwise, all material in your contributions must be your own original piece of work and should not plagiarise others’ work.
must not infringe anyone else’s rights, including copyright. Your contributions must not plagiarise or infringe the rights of any other person including any copyright, database, trade mark, trade secret, privacy, publicity, personal or proprietary rights of any kind. Therefore with regard to existing articles, news reports, music, video clips or other copyright material you will generally need the explicit permission of the relevant copyright owners
must not contain unlawful or objectionable content nor involve disruptive, offensive or abusive behaviour. Please be respectful and civil to other members, even if you disagree with them. Material that is unlawful, harassing, threatening, defamatory, obscene, offensive, abusive, hateful, inflammatory, profane, racially, sexually or religiously offensive or otherwise objectionable or unlawful is not acceptable.
must not contain unsuitable or irrelevant website addresses or URLs. Links to inappropriate content will be deleted.
must not promote illegal or anti-social behaviour. Contributions must not contain violent or sexually explicit material or advocate, promote or assist any unlawful act such as terrorist acts, copyright infringement or computer misuse.
must not misrepresent their origins. Contributions and/or user names may not be used to impersonate any other person, to misrepresent your identity or affiliation with any person or to give the impression that they emanate from us, if that is not the case.
must not be in any language other than English – or the predominant language of the website if not English. Contributions in other languages will be removed.
must not involve any flooding, spamming or advertising. Flooding is when the same comment is posted over and over in the same forum; spamming is the posting of the same or very similar comment to more than one forum. All advertisements, chain letters, pyramid schemes, junk mail and any other forms of commercial solicitation are prohibited.
must not disclose any personal information. Contributions to this website are publicly available and can be viewed by others with whom you may not wish to share such information. Do not include any personal or personally identifiable information about you or others (including your own or anyone else’s email address).

In relation to any forum, please note that when the first post in a thread is deleted, all of its subsequent replies may also be automatically deleted. This means that some of your posts will be deleted because they were placed in response to a post that contravened the Code of Conduct. Keeping your post within these rules will not only ensure that your posts are not removed from the forums, but also that the posts of others will remain.

Breach of the Code of Conduct

It will be our sole decision as to whether there has been a breach of this Code of Conduct. We have the right (but not the obligation) to edit, refuse to post, or to remove any contribution in whole or in part that we deem to be in breach of the Code of Conduct. Where we believe there is a breach of the Code of Conduct, we may take whatever action we feel is appropriate in the circumstances.

Failure to comply with this Code of Conduct constitutes a material breach of the Terms of Service, which could result in us taking any of the following actions:

issuing a warning to you;
immediate, temporary or permanent withdrawal of any contribution or of your right to use our websites, including deletion of any personal profile;
legal proceedings against you for reimbursement of all losses and costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach and/or further legal action against you; and/or
disclosure of such information to law enforcement authorities or other relevant third parties as we reasonably feel is necessary.

We exclude liability for actions taken in response to breaches of this Code of Conduct. The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.

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