Legal review register

Version 0.2 · 31 October 2026. Every document remains preliminary. This register separates drafting assumptions from facts and policies that must be confirmed.

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

Company details to confirm

Exact registered contracting entity, CAC number, registered office and service address.
Verified general, legal, privacy, security and complaints contacts; authorised signatory.
Effective dates, applicable jurisdictions and participant age eligibility.

Business and product decisions

Contracting seller/intermediary roles, contract formation and document precedence.
Approved fees, commissions, taxes, subscription renewal, funding and settlement schedules.
Refunds, cancellations, no-shows, chargebacks, duplicate/failed payments and pending bookings at exit.
PBU issuance, value rules, eligible use, transfers, expiry, reversals and unused entitlements at exit.
Support, suspension, termination, appeal and change-notice processes.

Privacy and operational evidence

Field-level data inventory, purposes and lawful bases, sensitive/children's data and employer access.
Provider/subprocessor list, intelligence processing, international transfers and safeguards.
Retention and deletion schedules, backup handling, rights-response and incident procedures.
Production cookie/browser-storage inventory and any prior-consent requirements.

Questions for Nigerian counsel

Assess PBU and actual money flows for payment/financial-services regulation; do not infer a licence or exemption.
Assess the Nigeria Data Protection Act 2023 and GAID 2025, including any major-importance registration, DPO, audit or impact-assessment obligations.
Validate consumer information, booking/cancellation remedies and fair contract terms under the FCCPA.
Review electronic contract formation, evidence of acceptance, document retention and changes.
Validate employment/payroll/tax treatment, professional licensing and necessary commercial/data agreements.
Approve governing law, dispute route, proportionate liability allocation and any indemnities.

Publication and acceptance gates

Every section is ready only for review, not automatic activation; highlighted confirmations must be resolved before operative publication.
Confirm product assumptions: current features are not promises of universal availability, and previews are not real offers.
Approve versioned final documents and a retainable copy; choose effective dates and communicate changes.
Future consent design: present the relevant approved document versions before the relevant agreement, require an unselected explicit choice, record account identity, each document version and acceptance timestamp, and keep a retrievable receipt. Do not infer acceptance from visits or bundle optional marketing with contract acceptance.
Implement and legally review that future acceptance process separately; no acceptance checkbox or acceptance record is activated by these draft pages.

Primary review references

Official sources consulted for this draft. Counsel must validate applicability and current requirements; inclusion is not a compliance certification.