Terms & Conditions of Use

By signing up for the Panopedia service ("Service") or any of the services of Clover & Dime Pte. Ltd. ("Clover & Dime") you are agreeing to be bound by the following terms and conditions ("Terms of Service"). Any new features or tools which are added to the current Service shall be also subject to the Terms of Service. You can review the current version of the Terms of Service at any time at here. Clover & Dime reserves the right to update and change the Terms of Service by posting updates and changes to the Panopedia website. You are advised to check the Terms of Service from time to time for any updates or changes that may impact you.

You must read, agree with and accept all of the terms and conditions contained in this Terms of Service agreement before you may become a Panopedia user.

Everyday language summaries are provided for your benefit and are not legally binding. By using Panopedia or any Clover & Dime services, you are agreeing to these terms. Be sure to occasionally check back for updates.

1. Account Terms

Which means

You are responsibile for your Account and any content and material you upload. Don't use Panopedia for anything illegal or transmit any harmful code. Remember that with any violation of these terms we will cancel your service.

If we need to reach you, we will send you an email.

2. Account Activation

Which means

The person signing up for the Panopedia Service is responsible for the account and is bound by these Terms of Service. If you signup on behalf of your employer, your employer owns the account and is also bound by our Terms of Service.

Any subscription you purchase through us will automatically renew unless you terminate your subscription.

3. General Conditions

You must read, agree with and accept all of the terms and conditions contained in this User Agreement and the Privacy Policy before you may become a member of Panopedia

Which means

The Panopedia service belongs to us. You are not allowed to rip it off or use it for any illegal or sketchy purpose.

Your content may be transferred unencrypted and may be altered, but credit card information is always encrypted.

4. Clover & Dime Rights

Which means

We can modify, cancel or refuse the service at anytime.

In the event of an ownership dispute over a Panopedia account, we can freeze the account or transfer it to the rightful owner.

5. Limitation of Liability

Which means

We are not responsible if you break the law, breach this agreement or go against the rights of a third party, especially if you get sued.

Service is "as is" so it may have errors or interruptions and we provide no warranties.

6. Waiver and Complete Agreement

Which means

If Clover & Dime chooses not to enforce any of these provisions at any time, it does not mean that they give up that right later.

These terms of service make up the agreement that applies to you. This means that any previous agreements between you and Clover & Dime don't apply if they conflict with these terms.

7. Intellectual Property and Customer Content

Which means

Anything you upload remains yours and your responsibility. If you want to remove your content, just delete from your account.

8. Payment of Fees

Which means

For live payment gateways, a valid credit card is required. You will be automatically billed every month, quarter or yearly depending on the billing cycle when you subscribed. If we are unable to charge to your credit card, you will have 14 days to pay. Taxes is not included and will be billed to your credit card. If you're exempt from taxes, let us know by giving us your original exemption certificate and we'll stop adding taxes to your bill. No refunds.

9. Cancellation and Termination

Which means

To initiate a cancellation, you may do so from your account dashboard. Once cancellation is confirmed, all your content will be permanently deleted immediately. You will also have to declare that you know the data deleted is irreversible. If you cancel in the middle of your subscription, you'll not be provided refunds for the remaining unused period.

We may change or cancel your account at any time. Any fraud and we will suspend or cancel your account.

10. Modifications to the Service and Prices

Which means

Your subscription fees will remain the same throughout the lifetime of your subscription, not inclusive of discounts which are only provided for the initial invoice, unless you have decided to terminate your subscription. We may change or discontinue the service at anytime, without liability.

11. Optional Tools

Which means

We are not responsible for third party tools so use them at your own risk. If you use them you agree that we do not provide a warranty, so get advice beforehand.

12. DMCA Notice and Takedown Procedure

Which means

Clover & Dime respects intellectual property rights and you should too. If we receive a DMCA Notice, we may disable access or remove the allegedly infringing content from your account. If you don't think the claim is valid, you can proceed with a counter notification.

For everyone else this means,

If you believe one of our subscribers is infringing your intellectual property rights, you can send Clover & Dime a DMCA Notice. We will expeditiously disable access or remove the content and notify the user. Be advised that we post all notices we receive.