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Terms & Conditions

By purchasing a membership subscription, you agree to comply with these Terms & Conditions. Access to content is granted solely for personal, non-commercial use. Sharing, redistributing, or reselling any materials from this site without prior written consent is strictly prohibited. We reserve the right to modify or update these terms at any time, with changes taking effect immediately upon posting. Continued use of the service constitutes acceptance of any updated terms.

Compliance Policy

We are committed to operating in compliance with all applicable laws and regulations. Users must be of legal age in their jurisdiction to access and purchase our services. You are responsible for ensuring that your use of the site and its content complies with local laws. We reserve the right to suspend or terminate accounts that violate these terms or engage in prohibited activities.

Return & Refund Policy

If you have any concerns, complaints, or disputes regarding your purchase or our services, please contact us in writing at pan.who.writes@gmail.com within 20 days of the event giving rise to the complaint. Refunds or adjustments will be considered on a case-by-case basis and may be prorated depending on usage. We will review and respond to all complaints in a timely manner, typically within 20 business days. We aim to resolve disputes amicably and in good faith. If a resolution cannot be reached directly, the matter may be escalated to mediation or binding arbitration in accordance with the laws of California. By using our services, you agree to attempt informal resolution before pursuing any legal remedies, and to submit to the exclusive jurisdiction of the courts or arbitration bodies in California.