Terms of Service

These Terms of Service (hereinafter referred to as "Terms") apply when you use the Panko website and application (hereinafter referred to as the "Service"). By accessing the Service, you agree to be bound by these Terms. 1. Please read these Terms carefully before using the Service. 2. The Service is provided by isub Inc. (hereinafter referred to as the "Company"). 3. These Terms may be changed by the Company from time to time. The revised Terms shall become effective at the time they are published on the Service, and by continuing to use the Service, you are deemed to have agreed to the modified Terms. If you do not agree to the revised Terms, please discontinue using the Service immediately.

Panko provides a platform for smoothing out group activities and events, including schedule adjustments and online games (such as Bingo). The basic features of the Service are available for free, but additional paid features may be offered as needed.

• You may be required to register an account to use certain features of the Service. • Account information must be accurate, and the registered information will be handled in accordance with our Privacy Policy. • You must strictly manage your authentication information such as your account and password, and must not share or lend it to third parties. • You are responsible for all acts performed using your account.

When using the Service, you must not do (or allow any third party to do) any of the following: • Copy, transfer, resell, or sublicense the features or data provided by the Service without our permission. • Disable, circumvent, or interfere with the security measures or access restrictions of the Service. • Access the Service for the purpose of developing a competitive product or service, or imitating its features or interfaces. • Use the Service for illegal purposes, purposes contrary to public order and morals, or purposes that cause annoyance or disadvantage to others. • Any other acts that the Company deems inappropriate.

We reserve the right to modify, temporarily suspend, or terminate part or all of the Service without prior notice to you in the following cases: • When maintaining or updating the system of the Service. • When it is difficult to provide the Service due to force majeure such as natural disasters, power outages, or communication failures. • When we determine that you have violated these Terms. We assume no responsibility for any damages incurred by you due to the modification, suspension, or termination of the Service.

The Service is provided "as is". We explicitly disclaim all warranties, express or implied, regarding whether the Service is suitable for your particular purpose, has the expected functionality, accuracy, and usefulness, and is free of defects. (1) That the Service will be provided without interruption and without errors. (2) That the information obtained through the Service will be accurate or reliable. (3) That bugs or defects in the Service will necessarily be corrected. You shall use the Service at your own risk.

In no event shall the Company, its officers, employees, or affiliates be liable for any direct, indirect, incidental, or special damages arising out of your use of or inability to use the Service.

Copyrights, trademarks, and other intellectual property rights regarding all contents contained in the Service, such as text, images, logos, designs, and programs, belong to the Company or those who have granted licenses to the Company. You must not use, copy, or distribute them without permission beyond the scope explicitly permitted by these Terms.