Please read these Terms and Conditions ("Terms") carefully before using the Panilye.com website and participating in the 3-day personal finance training program ("Service"). Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms.
By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Service. These Terms apply to all visitors, users, and others who access or use the Service.
When you create an account with us, you must provide accurate, complete, and up-to-date information. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account. You are responsible for safeguarding the password and for all activities that occur under your account.
As a user of our Service, you agree to:
The 3-day personal finance training program is provided for educational purposes only. We do not guarantee specific financial outcomes or results. The Service may be temporarily unavailable due to maintenance or technical issues. We reserve the right to modify, suspend, or discontinue the Service with or without notice.
The training program is time-limited and access to materials may expire after a specified period. We do not guarantee that the Service will meet your specific requirements or expectations.
The Service and its original content, features, and functionality are and will remain the exclusive property of Panilye.com and its licensors. All materials provided during the training program, including but not limited to videos, worksheets, presentations, and methodologies, are protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any materials from our Service without prior written consent. Recording, copying, or sharing training sessions is strictly prohibited.
Payment for the training program must be made in full before access is granted. We reserve the right to change our prices at any time. Refund requests must be submitted within 24 hours of purchase and before accessing more than 20% of the training content. No refunds will be issued after the training has commenced unless required by applicable law.
To the maximum extent permitted by law, Panilye.com shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use the Service. We are not responsible for financial decisions made based on the content of our training program.
The Service is provided on an "as is" and "as available" basis without any warranties, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
Any dispute arising from these Terms or your use of the Service shall first be attempted to be resolved through good-faith negotiation. If the dispute cannot be resolved through negotiation, it shall be submitted to binding arbitration in accordance with the rules of the appropriate jurisdiction. The arbitration shall take place online or at a location determined by the arbitrator, and the language of arbitration shall be English.
We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. All provisions of the Terms which by their nature should survive termination shall survive termination.
These Terms shall be governed and construed in accordance with the laws applicable in the jurisdiction of service provision, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.
Last updated: May 2023