Terms & Conditions

Last updated: June 14, 2026

These Terms & Conditions ("Terms") govern your access to and use of the PanPal mobile application and related services (collectively, the "Service"), provided by PanPal ("PanPal", "we", "us", or "our").

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

1. Eligibility

You must be at least 13 years old, or the minimum age required to provide digital consent in your country, to use the Service.

By using PanPal, you represent and warrant that:

• you meet the applicable age requirements;
• the information you provide is accurate and current; and
• you are legally permitted to use the Service.

2. Your Account

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to notify us promptly if you believe your account has been accessed without authorization or if you suspect any security breach.

You may stop using the Service or delete your account at any time. Certain information may be retained as required by law or for legitimate business purposes.

3. AI-Generated Content, Nutrition & Food Safety

PanPal uses artificial intelligence to generate recipes, ingredient substitutions, cooking suggestions, and nutrition estimates.

This information is provided for general informational purposes only and may be inaccurate, incomplete, or outdated.

PanPal is not a medical, healthcare, nutrition, or dietetic service. Nothing provided through the Service constitutes medical advice, diagnosis, or treatment.

You are solely responsible for:

• verifying ingredients and measurements;
• checking for allergens, intolerances, and dietary restrictions;
• confirming cooking temperatures and food safety practices; and
• determining whether recipes are appropriate for you or anyone consuming the food.

Nutrition information is an estimate only and should not be relied upon as professional dietary advice.

Always exercise your own judgment and consult a qualified healthcare professional regarding any medical, dietary, or nutritional concerns.

4. Your Content

You may submit content to the Service, including preferences, notes, reviews, photos, and other information ("Your Content").

You retain ownership of Your Content.

By submitting Your Content, you grant us a limited, non-exclusive, worldwide license to store, process, display, and use Your Content solely for the purpose of operating, maintaining, improving, and providing the Service.

You are responsible for Your Content and represent that you have all necessary rights to share it.

5. Acceptable Use

You agree not to:

• use the Service for any unlawful purpose;
• attempt to disrupt, damage, or interfere with the Service;
• reverse-engineer, decompile, or attempt to gain unauthorized access to any part of the Service;
• upload content that is illegal, harmful, fraudulent, defamatory, or infringes the rights of others; or
• misuse AI features to generate harmful, unsafe, or abusive content.

6. Intellectual Property

The Service, including its software, designs, branding, PanPal mascot and companion features, text, graphics, and other materials, is owned by PanPal or its licensors and is protected by applicable intellectual property laws.

These Terms do not grant you ownership of or rights to our trademarks, branding, or intellectual property.

7. Third-Party Services

The Service may rely on third-party providers, technologies, and platforms to operate.

We are not responsible for the availability, functionality, content, or practices of any third-party services.

Your use of third-party services may also be subject to their own terms and policies.

8. Disclaimers

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.

To the fullest extent permitted by law, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee that:

• the Service will always be available, secure, or error-free;
• AI-generated content will be accurate, complete, or suitable for your needs; or
• any recipes, substitutions, or nutrition estimates will produce expected results.

9. Limitation of Liability

To the fullest extent permitted by law, PanPal, its owners, employees, affiliates, and service providers will not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages.

We are not liable for any loss, injury, or damage arising from:

• your use of or inability to use the Service;
• reliance on AI-generated content;
• food preparation, ingredient selection, or consumption decisions; or
• interruptions, errors, or unavailability of the Service.

10. Service Availability

We may modify, suspend, discontinue, or remove features of the Service at any time, with or without notice.

We are not liable for any loss resulting from changes to or unavailability of the Service.

11. Termination

You may stop using the Service at any time.

We reserve the right to suspend or terminate access to the Service if you violate these Terms or if necessary to protect the Service, other users, or our operations.

12. Changes to These Terms

We may update these Terms from time to time.

When material changes are made, we will update the "Last updated" date and may provide additional notice where required.

Your continued use of the Service after changes become effective constitutes acceptance of the updated Terms.

13. Governing Law

These Terms are governed by the laws of the State of Florida, United States, without regard to conflict-of-law principles.

14. Contact Us

If you have any questions about these Terms, please contact us at:

PanPal
Email: etheriesolutions@gmail.com