Terms and Conditions

The material provided on the [DOMAIN] website, including the information and any images incorporated in the site, is for your personal private non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this website, including anything you download from the site, unless you first obtain our consent. You agree not to engage in systematic retrieval of data or other content from [DOMAIN]. We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission. These "Terms and Conditions" oversee your usage of the Service. They encompass all other relevant operational rules, policies, and procedures alluded to in this document or issued by Panwol at intervals, collectively referred to as "Policies." For the purpose of these "Terms and Conditions," the term "User" pertains to either you as an individual or the entity on whose behalf you accept these "Terms and Conditions," both of which are obligated to adhere to all the provisions herein. The User is responsible for confirming their authorization to accept these "Terms and Conditions." By utilizing the Website or the Services in any capacity, whether it's through browsing, visiting, or providing information to make use of the Services offered, you unequivocally express your agreement to abide by these Terms and Conditions and the Privacy Policy. If you do not concur with these terms, please promptly exit the Website. It is your duty to review these Terms and Conditions and the Privacy Policy before utilizing the Website. It is very important that you read the next two sections carefully.

Limitation Of Liability

Panwol WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF ITS SITES. THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF (OR INABILITY TO USE) THE SITES; (2) USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM ITS WEBSITES; (3) FAILURE OF PERFORMANCE; (4) ERROR; (5) OMISSION; (6) INTERRUPTION; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION; (9) COMPUTER VIRUS; OR (10) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. FURTHERMORE, EXCEPT AS PROVIDED BELOW, WE ARE NOT LIABLE EVEN IF WE HAVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES—OR BOTH.

HOWEVER, IN CERTAIN STATES WHERE THE LAW MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY AND YOU MAY HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES. IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES AND CLAIMS OF ANY KIND, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR THEY ARE CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT OR ANY OTHER LEGAL THEORY, WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITES.

Disclaimer

THE MATERIAL ON OUR SITES IS PROVIDED AS IS. THIS MEANS THAT Panwol DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE SITES. THIS INCLUDES, BUT IT IS NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) THAT DEFECTS WILL BE CORRECTED; (4) THAT OUR SITES, OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (4) THAT INFORMATION CONTAINED IN THE SITES IS ACCURATE AS OF ANY PARTICULAR DATE.

We sometimes provide access to other World Wide Websites from our sites or you may have reached our site from another site. However, we do not endorse or approve any products or information offered to you at sites you may reach from our sites or from which you may have reached our site. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in the Panwol site or have moved elsewhere.

By providing material on our website Panwol does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. Panwol is entitled to terminate all or part of any of its Websites at any time, without notice to you.

When you select a password and sign-up in order to access Panwol's online services, you agree to the following conditions:

Panwol is authorized to act on instructions received under your password without any requirement to question those instructions;
Panwol is not liable for any unauthorized access to your personal information that is not directly due to the negligence of Panwol;
Your password contains sensitive information and you will keep it confidential and secret;
You will notify Panwol immediately if you believe anyone else has learned your password or if you believe an unauthorized access to Panwol or your personal information has occurred or may occur;
Panwol may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.
Violating the Terms and Conditions of Website Use may lead to a revocation of Panwol website access privileges.

Information Acceptance Policy Receiving an electronic or other type of order request confirmation does not imply the acceptance of your application, nor does it confirm any offer to provide you with a service or product from us. Panwol maintains the right to accept or decline your request at any time after receiving your information via the form, for any reason. Panwol shall not be held responsible for requests that cannot be fulfilled or unsuccessful application requests due to an applicant's ineligibility for the service opportunity.

User Conduct

Users are permitted to use the Service solely for personal and noncommercial purposes or as part of an evaluation for potential commercial use, subject to a separate written agreement with Panwol specifically for commercial purposes. Users are mandated to adhere to all applicable laws, regulations, and rules while using the Service. This includes refraining from engaging in unlawful activities such as money laundering, bid rigging, price fixing, or any actions that contravene these Terms and Conditions. Users are strictly prohibited from employing the Service in ways that are illegal, deceptive, fraudulent, threatening, abusive, harassing, libelous, invasive of someone's privacy, tortious, obscene, profane, or in violation of the Terms and Conditions. Users must also avoid infringing upon intellectual property rights, disclosing others' personal information, participating in unauthorized advertising, spamming, overburdening Panwol's infrastructure, disseminating software viruses, or harvesting information from the Site. Soliciting information from minors or impersonating individuals or entities is strictly disallowed. Panwol retains the right to promptly suspend or terminate a User's access to the Service if their behavior violates these Terms and Conditions. Panwol may monitor, review, remove, retain, or disclose information as necessitated by relevant laws, regulations, legal processes, or governmental requests, including those from law enforcement. For notifications regarding copyright infringement on this Site, please consult the DMCA Notification Guidelines. Users are not permitted to authorize or encourage any third party to engage in prohibited activities on this Site. These Site Terms and Conditions are also applicable to our service providers, who may take measures to ensure compliance with them. The technology and hosting for certain aspects of this Site are provided by the online service provider of this Site. However, the Site Creator maintains control over the content, membership, and policies of this Site. By participating on this Site, you hereby agree to indemnify and absolve the service provider of any matters related to your interactions with others on this Site and your involvement with this Site.

Privacy

All information collected from users of our sites is subject to our Privacy Policy, which is incorporated by reference into this agreement. For more information, see our Privacy Policy .

SMS Terms and Conditions

By providing your mobile telephone number and checking the box when submitting your form on [DOMAIN], you explicitly grant consent to receive both non-marketing and marketing text messages from Panwol. This includes text messages sent via an autodialer to the mobile telephone number(s) you provided in your form. You can opt-out of these communications at any time, and agreeing to receive marketing text messages is not mandatory for using our site. You agree to receive text messages even if your telephone number is registered on any state, federal, or corporate Do Not Call list. Subscribers of our SMS service can anticipate receiving no more than 1 SMS per day from us. SMS communications are compatible with the following carriers: AT&T®, Sprint®, Boost®, Verizon Wireless®, U.S. Cellular®, Cellular One®, and T-Mobile®, MetroPCS®. Message and data rates may apply. SMS content sent by us includes benefits and resources that are pertinent to the individual subscriber. To discontinue these communications, you can text STOP to any message received from us to be unsubscribed from the program. For assistance, subscribers can text HELP to any message received from us, or make a request via Email: support@[DOMAIN] or call: (866) 646-3693 . T-Mobile® is not responsible for delayed or undelivered messages.

Ownership of Intellectual Property

Users acknowledge and consent that the Service, inclusive of all content and materials generated by or for Panwol and provided through the Service, are safeguarded by copyrights, trademarks, service marks, patents, trade secrets, and other legal provisions related to proprietary rights. Panwol (and its licensors) shall possess and uphold all rights, ownership, and interests, including intellectual property and proprietary rights, concerning the Service and its associated content and materials. Users are not authorized to engage in activities such as selling, licensing, reverse engineering, renting, modifying, distributing, copying, reproducing, transmitting, publicly displaying, publicly performing, publishing, adapting, editing, or creating derivative works from the Service or its related content and materials. Furthermore, any systematic extraction of data or other content from the Site to build a collection, database, or directory is strictly prohibited.

Jurisdiction

Unless otherwise specified, the materials in our site are presented to provide information about products or services. We do not in any way imply that the materials on the sites or the products we discuss are available or for use outside the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an on-line request for a rate quote, you are confirming that you are not a resident in any such jurisdiction.

By using the [DOMAIN] website, you agree to these Terms and Conditions of Website Use.

Arbitration Agreement

Both you and we mutually consent that any disputes or claims arising from or related to your use of our Services, or any products or services offered, sold, or purchased through our Services, including interactions with our subsidiaries or agents, such as All Web Leads, Inc., will be exclusively resolved through final and binding arbitration between you and us. This applies instead of pursuing litigation in court, with the exception that you may pursue claims in small claims court if they meet the criteria. The Federal Arbitration Act governs the interpretation and enforcement of this section, known as the "Agreement to Arbitrate."

Indemnity

The User commits to (a) safeguard Panwol and its employees, contractors, officers, directors, and representatives against any legal action or lawsuit initiated by a third party stemming from any dealings with Panwol or another User, the User's utilization of the Service, or any violations of the representations, warranties, or commitments in this Agreement; and (b) reimburse Panwol for settlement amounts, damages, liabilities, expenses, and costs (inclusive of reasonable legal fees) granted or resulting from such a claim. Panwol retains the prerogative to assume exclusive defense and control over any matter that falls under the User's indemnification responsibility, at which point the User will be expected to aid and cooperate with Panwol in asserting any available defenses.

Termination

Panwol maintains the authority to conclude a User's access to the entire Service or specific portions thereof, regardless of reason and with or without prior notice, at any given moment. Following such termination, the User is obligated to promptly discontinue their utilization of the Service. It is important to note that (a) all responsibilities and legal actions regarding breaches of the Terms and Conditions that had arisen prior to the termination date will persist, and (b) Sections 9 through 16 shall continue to be in force.

Class and Representative Actions

Both parties, you and we, mutually agree that any claims or disputes related to the Service must be pursued only on an individual basis. Neither party may act as a plaintiff or class member in any purported class or representative action or proceeding. This includes actions under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq. The arbitrator, in such cases, is not authorized to consolidate or join multiple individuals' or parties' claims, or oversee any consolidated, representative, or class proceeding. Relief awarded by the arbitrator is limited to the individual party seeking resolution of their specific claim(s) and is only provided to the extent necessary to address that individual claim. This relief does not impact the rights of other users.

International Use

Panwol does not warrant that the Service is suitable or legally accessible outside the United States. The use of the Service from locations where it is prohibited by law is not allowed. Users who choose to access the Service from such locations do so at their own discretion and are responsible for compliance with local laws.

Disputes, Choice of Law, and Forum

Commencement of Claims: Both parties agree that any claims or causes of action arising from or connected to the Service must be initiated within one (1) year after the occurrence of the claim or cause of action; otherwise, the action is permanently barred. Governing Law: The Terms and Conditions, including the Policies, are to be governed by and interpreted according to the laws of the State of Florida, without considering conflicts of law principles. In cases where conflicts between U.S. and foreign laws arise, U.S. laws will prevail. The United Nations Convention on Contracts for the International Sale of Goods does not apply. Users explicitly consent that the exclusive jurisdiction for any claim or action related to the Terms and Conditions or the use of the Site or Service shall reside in the state of Florida, USA. Users also agree to the personal jurisdiction of such courts for the resolution of any such claim or action. The use of the Service is not sanctioned in jurisdictions that do not give effect to all provisions of the Terms and Conditions.

Age Requirement and Compliance With Laws

Age Restriction: To use the Site, you must be at least 18 years of age. You are also obligated not to employ the Site or its content for any unlawful or inappropriate activities. Compliance With Laws: By accessing the Site or participating in games and activities offered on the Site, you commit to complying with all applicable local, state, provincial, and federal laws and regulations relevant to your use of the Site.

Integration and Severability

Entire Agreement: The Terms and Conditions, including the Policies, constitute the comprehensive agreement between the User and Panwol regarding access, use, and operation of the Service. This agreement supersedes all prior communications and proposals. Severability: If any provision in the Terms and Conditions is found unenforceable or invalid, it will be adjusted or removed to the minimal extent necessary, allowing the remainder of the Terms and Conditions to remain in full force and effect.

Reservation of Rights, Copyright, and Trademark

Rights Reserved: Any rights not expressly conferred herein are reserved. Panwol™ is a trademark of [DOMAIN]. Names and logos of companies and products mentioned in connection with the Service are the property of their respective owners. Copyright Infringement: If you believe that material or content on the Service violates your copyright, please send a notice of copyright infringement with specific identification to Panwol as specified below:

Identification of the aspect of the Service to which the notice pertains.
Identification of the infringed work or material.
Identification of the material claimed to be infringing, including its location for verification.
Contact information about the notifying party, including name, address, telephone number, and email address.
A statement that the notifying party has a good faith belief that the material is not authorized by the copyright owner, its agent, or law.
A statement under penalty of perjury that the notice is accurate and authorized by the copyright owner.
The notifying party's physical or electronic signature.

Linked Sites

The Site may contain links to third-party websites ("Linked Sites"). However, these Linked Sites are not reviewed, controlled, or examined by us, and we are not accountable for their content, availability, advertising, products, or other materials. Inclusion of these links does not imply our endorsement of or association with the Linked Sites. Users are solely responsible for adhering to the rules and guidelines governing Linked Sites' use. We disclaim liability for any losses or damages incurred as a result of the links to Linked Sites, the Linked Sites themselves, activities on Linked Sites, or the information, materials, products, or services available through Linked Sites. Concerns about Linked Sites should be directed to the respective site's administrator or webmaster. We retain the right to add, modify, decline, or remove features or links to Linked Sites from the Site without prior notice. Permission for Linking: Other websites may link to the Site, provided they have obtained our permission. Permission requests should be directed to us at the provided address. We retain the authority to deny or withdraw any granted permission for linking to the Site, whether through a plain-text link or any other type of link, at our discretion and without prior notice.

Miscellaneous

These Terms and Conditions of Website Use, and the agreement they create, shall be governed by and interpreted according to the state laws.

If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

Panwol may modify these Terms and Conditions of Website Use, and the agreement they create, at any time, simply by updating this posting or the information on its website and without notice to you.