Panaloyal Terms and Conditions

Welcome to Panaloyal. This document establishes the terms and conditions of use for Panaloyal software and services, designed for the generation of digital loyalty cards compatible with Apple Wallet, Google Wallet, and other digital storage systems. By accessing or using our services, you agree to comply with these terms.

If you do not agree to these terms, you must refrain from using the platform.

The use of Panaloyal implies your express acceptance of this agreement, which may be done through:

- Registration on the platform.

- Starting the use of our services.

You will be deemed to have waived any claim based on ignorance of the terms at the time of accepting the agreement.

You may request a copy of this agreement at any time via our email: info@panaloyal.com

You receive a limited, non-exclusive, personal, revocable, and non-transferable permission to:

- Generate, distribute, and update Digital Cards.

- Use your own card ID while complying with applicable laws.

- Comply with digital wallet integration agreements.

Restrictions:

- Use of Panaloyal for illegal, fraudulent activities or those that infringe on intellectual property rights of third parties is prohibited.

- The platform may suspend accounts for violations of the terms or suspicious activities that compromise the security of Panaloyal or its users.

4.1 General:

- Be of legal age and have the legal capacity to accept this agreement.

- Provide true, current, and complete information when registering.

- Assume all costs related to the use of Panaloyal, including internet connection and necessary devices.

- Not interfere with third-party rights or existing legal commitments.

4.2 Privacy:

- We comply with Law 81 on the Protection of Personal Data of Panama.

- The data collected will be used exclusively as specified in our Privacy Policy.

- We implement security measures to protect data from unauthorized access.

- You are responsible for informing end users about the use of their data and respecting the revocation of their consent.

You may distribute the digital cards created with Panaloyal under the following conditions:

- End users must accept the cards before loading them into their digital wallets.

- End users may remove the cards from their wallets at any time.

Panaloyal reserves the right to review, approve, or reject any digital card generated at any time for reasons we deem justified, including breaches of these terms or applicable legal regulations.

Panaloyal shall not be liable for:

- Damages or losses derived from the use of our services.

- Service interruptions or technical failures.

- Claims from end users related to the content or functionality of digital cards.

Maximum liability: In the event of any claim attributable to Panaloyal, our total liability shall not exceed the fees paid by the user in the last 3 months.

You agree to indemnify Panaloyal for any:

- Breach of these terms.

- Claim for infringement of intellectual property rights of third parties.

- Legal action derived from the content or use of the created digital cards.

- Applicable fees are published at www.panaloyal.com/prices

- All fees are non-refundable.

- We reserve the right to modify fees with 60 days' prior notice, through notifications on the platform or by email.

- Fees include taxes, unless otherwise specified.

- The service is provided 'as is' and 'as available'.

- Without express or implied warranties.

- We do not guarantee that services will be uninterrupted or error-free.

- Without responsibility for data loss.

Panaloyal may modify these terms at any time. Changes will be notified through the platform or by email, and continued use of our services will imply your acceptance.

- This agreement shall be governed by the laws of the Republic of Panama.

- Any controversy shall be resolved through arbitration in Panama, in accordance with the regulations of a recognized arbitration center.

All content, design, software, and materials related to Panaloyal are the exclusive property of the company and are protected by intellectual property laws.

- The program grants a promotional internal credit of $10 USD to the referrer for each new referred customer who successfully makes their first payment after completing any active trial period.

- The credit is strictly applied as an automated discount on future invoices and has no cash value. Under no circumstances can credits be withdrawn, transferred to third parties, or refunded.

- As a fraud prevention measure, credits will go through a validation period of 15 days following the referee's payment before reflecting as usable credit.

- The available balance cannot exceed 100% of the total value of the current invoice. Any excess credit will automatically roll over to the next billing cycle.

- Voluntary account cancellation or non-payment resulting in subscription suspension will result in the permanent and irrevocable loss of all accumulated credits with no right to claim.

- Panaloyal reserves the right to audit, suspend, or revoke credits and disqualify accounts engaging in abusive practices, self-referrals, spam, or any use that contravenes the spirit of the program.

For any inquiries, you can communicate with us:

- Email: info@panaloyal.com

- Website: www.panaloyal.com/terms-conditions