*Terms and Conditions*

By accessing or using the website www.panin.sg (“Website”) operated by PANIN International Pte Limited, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these terms, please do not use our Website.

*1. Use of the Website*

– You must be of legal age or have parental/guardian consent to use this Website.

– You agree to use the Website for lawful purposes and in compliance with all applicable laws and regulations.

*2. Intellectual Property*

– All content and materials on this Website, including text, images, logos, and trademarks, are the intellectual property of PANIN International Pte Limited and are protected by copyright and other applicable laws. You may not use, reproduce, or distribute any of our content without our prior written consent.

*3. User Content*

– Any content or information you submit to our Website, including reviews, comments, or other submissions, may be used by us for promotional or other purposes. By submitting content, you grant us a non-exclusive, royalty-free, worldwide license to use, modify, and publish it.

*4. Links to Third-Party Websites*

– Our Website may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of these third-party sites. Use them at your own risk.

*5. Disclaimer of Warranties*

– We provide our Website “as is,” without any warranties or guarantees of any kind, whether express or implied. We do not warrant that the Website will be error-free or uninterrupted.

*6. Limitation of Liability*

– PANIN International Pte Limited shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Website or inability to access it.

*7. Changes to Terms and Conditions*

– We reserve the right to modify or replace these Terms and Conditions at any time. It is your responsibility to check this page periodically for updates.

*8. Governing Law*

– These Terms and Conditions are governed by and construed in accordance with the laws of Singapore

*9. Contact Us*

If you have any questions, concerns, or inquiries regarding these Terms and Conditions, please contact us at the email provided in the Contact Us web page.