PiggyTask Payout Policy

This Payout Policy constitutes an integral, binding addendum to the PiggyTask Terms of Service. It governs all financial redemptions, wallet disbursements, ledger adjustments, and payout mechanisms across all 190+ jurisdictions served by PiggyTask ("the Platform", "we", "us").

By submitting a withdrawal request on PiggyTask, you ("Earner", "User") warrant and represent that:

• You are at least 18 years of age (or of legal contractual age in your territory of residence).
• The financial instrument, bank account, cryptocurrency wallet, or mobile telecommunications number provided for settlement is legitimately registered in your own name or under your direct legal authority.
• The funds requested were generated through honest, manual, human interaction with our verified task sponsors and market research partners, in full compliance with our Anti-Fraud standards.

Unlike legacy rewards platforms that obfuscate earner compensation behind unstable virtual currencies, "points", or artificial gems, PiggyTask operates on a Direct Value Ledger Protocol:

• Available Balance: Represents settled, verified earnings from approved tasks, completed surveys, verified video watches, and validated referral commissions. These funds are immediately eligible for withdrawal once the minimum threshold is met.
• Pending Verification Balance: Certain high-value app installs, financial trials, or gaming milestones carry advertiser-mandated confirmation periods (typically 24 hours to 14 calendar days). These funds are temporarily held in an escrow ledger until the sponsor confirms non-fraudulent completion.
• Currency Denomination: Balances are displayed in real, spendable legal tender (USD or standard USD equivalent). You earn actual monetary value for verified digital completions.

We maintain an earner-first payout philosophy engineered to eliminate predatory withdrawal barriers:

Zero Platform Fee Guarantee: PiggyTask does not charge processing commissions, service charges, or administrative maintenance deductions on approved cashouts. The full value of your verified earnings is dispatched directly to your designated payout account.

Earner disbursements are executed across three primary payout methods:

1. Bank Transfer (Direct Domestic Bank Account):
   Available for domestic bank account payouts via licensed payment partners in your country.
   Requirement: Recipient account name must align with verified profile identity details.
2. Cryptocurrency Asset Disbursals:
   Available globally. Supported assets include USDT (Tether), Litecoin (LTC), and other supported crypto networks.
   Requirement: Cryptographic transactions on decentralized blockchains are permanent and irreversible. You are solely responsible for ensuring the target address matches the exact network selected. PiggyTask cannot recover assets dispatched to incorrect blockchain addresses.
3. Local Airtime (Direct Mobile Telecommunications Top-up):
   Instant mobile airtime top-up for prepaid telecommunications subscribers across leading national mobile carriers in your region.

To comply with international financial crime standards, FATF recommendations, applicable national anti-money laundering legislation, and relevant global AML/CFT directives, PiggyTask implements a proportionate, risk-based verification framework:

We maintain rigorous operational targets to ensure earners receive compensation as expeditiously as possible:

• Standard Processing Target: Automated payout batches execute continuously 24/7. Routine withdrawals for verified Tier 1 earners clear within minutes, with an EST processing time of under 24 hours under normal operating conditions.
• First-Time Withdrawal Cooldown: Your initial withdrawal request may undergo an automated 24-hour security cooldown. This security period allows our risk systems to verify identity uniqueness, examine traffic hygiene, and confirm zero multi-accounting collisions.
• High-Value Offerwall Holds: Complex third-party advertiser tasks (e.g., reaching high levels in mobile strategy games, opening funded brokerage accounts) carry mandatory sponsor hold periods ranging from 7 to 30 days. PiggyTask releases funds to your Available Balance the moment the sponsoring network completes settlement.
• Maintenance & Banking Holidays: While our automated systems operate continuously, fiat clearing through domestic interbank networks (e.g. domestic clearing networks) may experience temporary delays during scheduled central bank maintenance or national public holidays.

PiggyTask bridges earners with Fortune 500 brands, global research panels, and mobile application developers. These partners maintain strict compliance algorithms to detect artificial traffic:

• Reversal Grounds: If an advertising network rejects or reverses an offer due to proven proxy/VPN spoofing, virtual machine emulation, automated bot scripts, fake SMS verification numbers, or rapid survey straightlining, the respective credit will be retracted.
• Balance Offsets: If an offer is reversed after the funds have been credited to your Available Balance, PiggyTask reserves the right to deduct the reversed sum from your account balance. In the event of a negative ledger balance caused by fraudulent reversals, future task earnings will automatically offset the negative balance.
• Zero Liability for Platform Downtime: While PiggyTask maintains pre-funded reserve treasuries to accelerate earner payouts, PiggyTask is not an insurer or depository bank and is not liable for third-party advertiser insolvency or network-wide sponsor default.

In the event a withdrawal transaction encounters processing friction:

• Invalid Banking Details: If a domestic bank transfer fails due to incorrect account numbering, unsupported bank codes, or inactive recipient accounts, the funds are automatically refunded to your PiggyTask wallet within 24 hours of gateway failure confirmation.
• Irreversible Blockchain Disbursals: Because cryptocurrency transactions are recorded immutably on decentralized distributed ledgers, PiggyTask cannot recover or reimburse funds sent to an incorrect address entered by the user. You must double-check all wallet addresses prior to submission.
• Dormant Account Balances: User accounts that remain completely inactive (zero logins, zero task completions, zero withdrawal requests) for a continuous period of 365 calendar days may be classified as dormant. Earners will receive email notices at 30 days and 7 days prior to any dormancy classification.