Terms of Service

These Terms of Service (“Terms”) constitute a legally binding agreement between you and For Nothing Ventures LLC (“we,” “us,” or “our”) governing your access to and use of Pano (accessible at panoit.com), including any content, functionality, and services offered through the application (collectively, the “Service”).

By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service.

You must be at least 13 years of age to use Pano. By using the Service, you represent and warrant that you are at least 13 years old. If you are under 18, you represent that your parent or legal guardian has reviewed and agreed to these Terms on your behalf.

You must provide accurate, current, and complete information during registration and keep your account information up to date.

When you create an account on Pano, you are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account

You may not transfer your account to another person or use another person's account without permission. We reserve the right to disable any account at any time, including if we reasonably believe you have violated these Terms.

Ownership

You retain full ownership of all content you create, upload, or save to Pano, including your bookmarks, shelves, descriptions, tags, and profile information (collectively, “Your Content”). We do not claim ownership of Your Content.

License to Pano

By using the Service, you grant us a limited, non-exclusive, royalty-free, worldwide license to use, store, display, reproduce, and distribute Your Content solely for the purposes of operating, providing, and improving the Service. This includes:

• Displaying your bookmarks and shelves to you within the application
• Sharing your public or link-accessible shelves with others as you have configured
• Generating previews, thumbnails, and metadata displays for your saved URLs
• Creating backups and maintaining the technical infrastructure needed to serve your content

This license terminates when you delete Your Content or your account, except for copies retained in our backups (which are purged on a rolling basis) or as required by law.

Responsibility for Content

You are solely responsible for Your Content and the URLs you save to Pano. You represent and warrant that:

• You have the right to save and share the content you add to the Service
• Your Content does not infringe on the intellectual property rights of any third party
• Your Content complies with all applicable laws and these Terms

You agree not to use the Service to:

• Violate any applicable local, state, national, or international law or regulation
• Save, organize, or share links to content that is illegal, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable
• Distribute malware, phishing links, or other harmful URLs through shelves or bookmarks
• Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity
• Interfere with or disrupt the Service or servers or networks connected to the Service
• Use automated means (bots, scrapers, crawlers) to access the Service without our prior written consent
• Attempt to gain unauthorized access to any portion of the Service or any other accounts, systems, or networks
• Use the Service to send unsolicited communications or spam
• Collect or harvest personal information of other users without their consent
• Create multiple accounts for deceptive or abusive purposes

We reserve the right to remove any content and suspend or terminate accounts that violate these guidelines, at our sole discretion and without prior notice.

The Service, including its original content (excluding Your Content), features, and functionality, is owned by For Nothing Ventures LLC and is protected by copyright, trademark, and other intellectual property laws.

The Pano name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of For Nothing Ventures LLC. You may not use these marks without our prior written permission.

When you save a URL to Pano, the content at that URL remains the property of its respective owner. Pano stores only metadata (title, description, preview image) and the URL itself. We do not host, cache, or reproduce the full content of linked pages.

Pano is fundamentally a tool for organizing links to third-party websites. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services that you link to through Pano.

You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any content, goods, or services available on or through any third-party websites.

We strive to maintain the Service's availability but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to:

• Scheduled or unscheduled maintenance
• Updates and improvements to the Service
• Technical issues beyond our reasonable control
• Force majeure events

We reserve the right to modify, suspend, or discontinue the Service (or any part of it) at any time, with or without notice. We will make reasonable efforts to provide advance notice of significant changes or discontinuation.

You may delete your account at any time through the application settings. Upon account deletion, we will remove your personal data in accordance with our Privacy Policy.

We may suspend or terminate your account if:

• You breach any provision of these Terms
• We are required to do so by law
• Your use of the Service poses a security risk to us or other users
• Your account has been inactive for an extended period (we will provide at least 30 days notice before deletion due to inactivity)

Upon termination, your right to use the Service will immediately cease. Provisions of these Terms that by their nature should survive termination (including ownership, warranty disclaimers, indemnity, and limitations of liability) will continue to apply.

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

We do not warrant that (a) the Service will function uninterrupted, be secure, or be available at any particular time or location; (b) any errors or defects will be corrected; (c) the Service is free of viruses or other harmful components; or (d) the results of using the Service will meet your requirements.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FOR NOTHING VENTURES LLC, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your access to or use of, or inability to access or use, the Service
• Any conduct or content of any third party on the Service
• Any content obtained from the Service
• Unauthorized access, use, or alteration of your transmissions or content

OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

You agree to defend, indemnify, and hold harmless For Nothing Ventures LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with:

• Your access to or use of the Service
• Your violation of these Terms
• Your violation of any third-party right, including intellectual property rights
• Any content you submit, post, or share through the Service

Informal Resolution

Before filing any formal legal action, you agree to try to resolve any dispute informally by contacting us at hello@panoit.com. We will attempt to resolve the dispute informally within 60 days. If the dispute is not resolved within that time, either party may proceed as outlined below.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Jurisdiction

Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the federal or state courts located in Delaware, and you consent to the personal jurisdiction of such courts.

Class Action Waiver

TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. If this class action waiver is found to be unenforceable, then the entirety of this dispute resolution section shall be null and void.

We reserve the right to modify these Terms at any time. When we make changes, we will update the “Last updated” date at the top of this page.

For material changes, we will provide notice through the Service or by email at least 30 days before the changes take effect. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the modified Terms.

If you do not agree to the modified Terms, you must stop using the Service and delete your account before the changes take effect.

• Entire Agreement — these Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service.
• Severability — if any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
• Waiver — our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
• Assignment — you may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction.
• Force Majeure — we shall not be liable for any failure or delay in performance resulting from circumstances beyond our reasonable control.

If you have questions about these Terms of Service, please contact us: