PanovaaX terms and policies
Terms & Conditions
The proposed terms, responsibilities and privacy disclosures for PanovaaX, prepared for founder and Nigerian legal counsel review.
Draft document, not yet effective
Not approved, not effective and not evidence of regulatory compliance. Reading these pages does not constitute acceptance.
Questions about these terms: support@panovaax.com
General Terms and Conditions
Platform access, participant responsibilities and the proposed contracting framework.
Version 0.2 · 31 October 2026
Privacy Policy
A provisional disclosure of information use, participant rights and decisions still requiring a verified data map.
Version 0.2 · 31 October 2026
Employer Terms and Conditions
Organisation programmes, representative authority, personal account independence and commercial schedules.
Version 0.2 · 31 October 2026
Employee Terms and Conditions
Personal access, organisation-linked eligibility and responsible use of benefits and services.
Version 0.2 · 31 October 2026
Merchant and Service Provider Terms and Conditions
Listing accuracy, service delivery, customer protections and commercial responsibilities.
Version 0.2 · 31 October 2026
PanovaaX Benefit Units Terms
Provisional benefit-unit principles, with operating rules and legal classification expressly unconfirmed.
Version 0.2 · 31 October 2026
PanovaaX Platform Policies
How PanovaaX expects everyone to use benefits, services, payments, community spaces and information across the platform.
Version 0.2 · 31 October 2026
Cookie Policy
Browser storage, essential account operations and an unconfirmed tracking inventory.
Version 0.2 · 31 October 2026
Before these become policies
Missing facts, counsel questions and the publication checklist.