Welcome to Pana! Our mission revolves around the purpose of having a healthy relationship with money where it is more friendly and social.
Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the http://www.holapana.com (“Pana App”) and any application we associate with these terms (the "Service" or “Services”) operated by Pana Finance, Inc. ("us", "we", "our", or “Pana”).
These Terms are a binding contract between you and Pana. Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who wish to access or use the Service.
You are responsible for obtaining and maintaining all devices and other equipment and software, and all internet service providers, mobile service, and other services needed for your access to and use of the Site and you will be responsible for all charges related to them.
By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you disagree with any part of the terms then you do not have permission to access the Service, but please let us know by emailing at [email protected] so we can try to find a solution.
PANA IS NOT A BANK. BANKING SERVICES ARE PROVIDED BY OUR PARTNER BANK AND/OR LICENSED MONEY TRANSMITTER PARTNERS. THE PANA DEBIT CARD IS ISSUED BY COMMUNITY FEDERAL SAVINGS BANK, MEMBER FDIC, PURSUANT TO A LICENSE BY MASTERCARD INTERNATIONAL INC.
Pana Finance, Inc. (“Pana”) is a Delaware Corporation with a principal place of business at 8025 John Hancock Dr., Winter Garden, FL 34787.
To access the Services, you must register a user account on the Application (“Pana App”) and agree to the below Terms and Conditions.
You must be at least eighteen (18) years old to use the Services. By agreeing to these Terms, you represent and warrant to us that: (i) you are at least eighteen (18) years old; (ii) you have not previously been suspended, removed, or deactivated from the Services, (iii) you are a legal resident of the United States or its territories (iv) and that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on the Service or a delay in processing your enrollment with Pana Services. You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Service or a third-party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.
You may not use the Services in any manner that may impair, overburden, damage, disable or otherwise compromise (i) Pana’s Services; (ii) any other party’s use and enjoyment of the Services; or (iii) the services and products of any third parties including, without limitation, any device through which you access the Application (“the Authorized Device”). You agree to comply with all applicable laws and regulations governing the downloading, installation and/or use of the Application, including, without limitation, any usage rules set forth in the online application store terms of use.
From time to time, Pana may automatically check the version of the Application installed on the Authorized Device and, if applicable, provide updates for the Pana Application (“Updates”). Updates may contain, without limitation, bug fixes, patches, enhanced functionality, plug-ins and new versions of the Pana Application. By installing the Application, you authorize the automatic download and installation of Updates and agree to download and install any Updates manually if necessary. Your use of the Application and Updates will be governed by these Terms (as amended by any terms and conditions that may be provided with Updates). Pana reserves the right to temporarily disable or permanently discontinue any and all functionality of the Application at any time without notice and with no liability to you.
Beta features
From time to time, we may, in our sole discretion, include certain test or beta features in the Services (“Beta Features”). Use of any Beta Features is voluntary. You agree that once you use a Beta Feature, your content or data may be affected in such a way that you may not be able to revert to a previous non-beta version of the same or similar feature. Also, if such a rollback is possible, you may not be able to return or restore data created within the Beta Feature to the previous non-beta version. Beta Features are provided “as is” and may contain errors or inaccuracies that could cause failure, corruption or loss of data and information from any connected device. You acknowledge and agree that all use of any Beta Features is at your own risk.
You hereby authorize Pana, directly or through third parties, to make any inquiries we consider necessary to validate your identity and/or authenticate your identity and Account information. This may include asking you for further information and/or documentation about your identity, or requiring you to take steps to confirm ownership of your email address or physical address/residence, wireless/cellular telephone number or financial instruments, and verifying your information against third party databases or through other sources.
You may not create more than one (1) Pana Account. Each unique mobile device may not be associated with more than one (1) Account. Users who attempt to associate several mobile devices with a single Pana Account may be deemed to have violated these Terms to the extent they are deemed by Pana to have abused the Services, and may be subject to Account suspension or closure.