Terms and Conditions

Welcome to Panaloko! By accessing or using our website (https://panalokoph.com/), you agree to comply with and be bound by the following terms and conditions. Please review them carefully before using our services.

Table of Contents

1. Acceptance of Terms

By accessing or using the Panaloko website, you agree to be bound by these Terms and Conditions and all applicable laws and regulations. If you do not agree with any part of these terms, you must discontinue use of our website.

2. Use of the Website

You agree to use the Panaloko website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else’s use and enjoyment of the website. Prohibited behavior includes but is not limited to, harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within our website.

3. User Accounts

To access certain features of the Panaloko website, you may need to create an account. You are responsible for maintaining the confidentiality of your account information, including your password, and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

4. Intellectual Property

All content, trademarks, service marks, trade names, logos, and graphics on the Panaloko website are the property of Panaloko or its licensors. You are not permitted to use these without the prior written consent of Panaloko.

5. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

Copying, distributing, or disclosing any part of the website in any medium, including without limitation by any automated or non-automated “scraping”
Using any automated system, including without limitation “robots,” “spiders,” “offline readers,” etc., to access the website in a manner that sends more request messages to the Panaloko servers than a human can reasonably produce in the same period by using a conventional online web browser
Attempting to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the servers running the website
Taking any action that imposes, or may impose at our sole discretion, an unreasonable or disproportionately large load on our infrastructure
Uploading invalid data, viruses, worms, or other software agents through the website
Collecting or harvesting any personally identifiable information, including account names, from the website
Using the website for any commercial solicitation purposes
Impersonating another person or otherwise misrepresenting your affiliation with a person or entity, conducting fraud, hiding, or attempting to hide your identity

6. Disclaimer of Warranties

The Panaloko website is provided on an “as is” and “as available” basis. Panaloko makes no representations or warranties of any kind, express or implied, regarding the website’s operation or the information, content, materials, or products included on the website. You expressly agree that your use of the website is at your sole risk.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Panaloko shall not be liable for any damages of any kind arising from the use of or inability to use this website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

8. Indemnification

You agree to indemnify, defend, and hold harmless Panaloko, its officers, directors, employees, agents, and third parties, for any losses, costs, liabilities, and expenses (including reasonable attorneys’ fees) relating to or arising out of your use of or inability to use the website or services, any user postings made by you, your

violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules, or regulations. Panaloko reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Panaloko in asserting any available defenses.

9. Modifications to the Terms and Conditions

Panaloko reserves the right to modify these Terms and Conditions at any time. We will notify you of any changes by posting the new Terms and Conditions on this page. You are advised to review these Terms and Conditions periodically for any changes. Changes to these Terms and Conditions are effective when they are posted on this page.

10. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of [Your Country], without regard to its conflict of law principles. You agree to submit to the personal jurisdiction of the courts located in [Your Country] for the purpose of litigating all such claims or disputes.

11. Termination

We may terminate or suspend your account and bar access to the website immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms. If you wish to terminate your account, you may simply discontinue using the website.

12. Entire Agreement

These Terms and Conditions constitute the entire agreement between you and Panaloko regarding the use of the website and supersede any prior agreements between you and Panaloko relating to your use of the website.

Thank you for visiting Panaloko and for using our services. We hope you have a pleasant experience on our website.