Effective Date: 25/01/2025
Last Updated: 05/02/2025

Welcome to Panorama Group! These Terms of Service outline the rules and regulations for using our website and services. By accessing or using our services, you agree to comply with these terms. If you do not agree with any part of these terms, please do not use our website or services.

1. Acceptance of Terms

By using our website or services, you confirm that you:
✔ Are at least 18 years old or have legal permission to use our services.
✔ Agree to comply with all applicable laws and regulations.
✔ Understand that we may update these Terms from time to time, and continued use means acceptance of any changes.

2. Use of Our Services

✔ You agree to use our services only for lawful purposes and in accordance with these Terms.
✔ You must not engage in fraudulent, misleading, or harmful activities when using our website.
✔ We reserve the right to restrict access or terminate accounts if users violate these terms.

3. Intellectual Property

✔ All content, trademarks, logos, and designs on our website are owned by Panorama Group and are protected under intellectual property laws.
✔ You may not copy, modify, distribute, or reproduce any content without our prior written permission.

4. User Accounts & Responsibilities

✔ If you create an account with us, you are responsible for:

• Keeping your login details secure.
• Providing accurate and up-to-date information.
  ✔ We reserve the right to suspend or terminate accounts that engage in unauthorized activities.

5. Payments & Transactions

✔ Certain services may require payment. By making a purchase, you agree to:

• Provide valid payment details.
• Pay all applicable fees and charges.
  ✔ We do not store credit card information; all transactions are processed securely through third-party payment providers.

6. Limitation of Liability

✔ Panorama Group is not liable for any direct, indirect, incidental, or consequential damages resulting from the use of our services.
✔ We do not guarantee uninterrupted access to our website and services due to external factors such as technical failures.

7. Termination & Suspension

✔ We reserve the right to suspend or terminate access to our services at any time if users violate these Terms or engage in inappropriate conduct.
✔ Users can request to close their accounts by contacting us directly.

8. Privacy Policy

✔ Our Privacy Policy explains how we collect, use, and protect your personal data.
✔ By using our services, you also agree to our Privacy Policy https://panorama991.com/privacy-policy/

9. Third-Party Links & Services

✔ Our website may include links to third-party websites that we do not control. We are not responsible for their content, policies, or practices.

10. Governing Law

✔ These Terms of Service are governed by Dubai – UAE laws.
✔ Any disputes must be resolved through mediation or arbitration in accordance with local legal requirements.

11. Changes to Terms

✔ We may update these Terms of Service from time to time. We will notify users of significant changes, but we encourage regular review of these terms.

12. Contact Us

For any questions or concerns about this Privacy Policy, please contact us:

📧 Email: info@panorama991.com/
📞 Phone: +9715577443321
🌐 Website: https://panorama991.com/