Terms of service
Effective date: July 15, 2026
These Terms of Service (the “Terms”) govern your access to and use of Panel, a software-as-a-service tool for creating, managing, publishing, and embedding visual stories, comics, and interactive content.
The Service is provided by:
Panel Labs s.r.o.
Company ID (IČO): 24106682
Registered office: Příčná 1892/4, Nové Město, 110 00 Praha 1, Czech Republic
Registered in the Commercial Register maintained by the Municipal Court in Prague, file C 437858
Contact: hello@panel.design
Contact form: https://www.panel.design/contact
In these Terms, “Panel,” “we,” “us,” and “our” mean Panel Labs s.r.o. “You” means the person or organization using the Service.
Please read these Terms together with our:
Privacy Notice: https://www.panel.design/privacy-policy
Acceptable Use Policy: https://www.panel.design/acceptable-use
The Acceptable Use Policy is part of these Terms.
1. Accepting these Terms
By creating an Account, purchasing a Subscription, or otherwise using the authenticated Service, you agree to these Terms and the Acceptable Use Policy and acknowledge the Privacy Notice.
If you use Panel for an organization, you represent that you have authority to bind that organization. In that case, “you” includes the organization, and you are a Business User.
If you do not agree, do not create an Account or use the authenticated Service. You may still view publicly available projects subject to applicable law and the rights of their creators.
Nothing in these Terms limits rights that cannot lawfully be limited, including mandatory consumer rights.
2. Eligibility and international availability
2.1 Minimum age
You must be at least 18 years old and legally able to enter into a contract to create or control an Account. Panel is not directed to children and does not offer parental-consent, school-account, or child-directed workflows at launch.
A public project may be viewable without an Account. This does not make the Account service a child-directed service.
2.2 International use
Panel may be accessed internationally, but we do not promise that the Service, every feature, or paid checkout is available or lawful in every location. You may not use the Service where doing so would violate applicable law, sanctions, export controls, or restrictions imposed by our payment or infrastructure providers.
We may refuse or restrict access in a country, territory, or situation where continued service would create legal, security, fraud, payment, or provider risk.
3. The Service and its early-stage status
Panel is an early-stage service. It may include bugs, incomplete workflows, changing interfaces, experimental features, and temporary limitations. Features may be added, changed, paused, or removed as the product develops.
At the effective date, Panel is designed to support:
creation and editing of Projects;
image uploads;
video uploads on eligible paid Plans;
public and unlisted publication links;
embeds;
AI image generation;
reference-image workflows for character and style consistency; and
2K and 4K image generation.
Unless expressly shown as available in the Application, image-to-video generation, audio, comments, a public discovery gallery, a public API, self-service bulk export, and instant self-service Account deletion are not included launch features.
We do not promise a service level agreement, uninterrupted availability, permanent availability of any feature, or a particular creative or commercial outcome.
4. Accounts and security
You must provide accurate Account information and keep it reasonably current. You are responsible for:
maintaining control of your login methods and sessions;
using the Account only for yourself or the organization you are authorized to represent;
not sharing credentials in a way that creates security or abuse risk;
promptly telling us if you suspect unauthorized access; and
all activity conducted through your Account, except to the extent caused by our breach or another matter for which the law makes us responsible.
We may require identity, authority, billing, or ownership verification before changing an Account, processing deletion, disclosing data, or resolving a dispute.
You may not create multiple or replacement Accounts to evade a suspension, rate limit, Plan limit, credit rule, or the one-time AI Credit grant.
5. Plans and Usage Limits
The current self-service Plans are Free, Storyteller, and Studio. The Application or pricing page may describe additional features, but the following limits form the launch baseline.
5.1 Free
1 Project.
1 Published Project.
100 MiB total storage.
Images up to 3 MiB per file.
No video uploads.
One 40-credit lifetime AI Credit grant for a genuinely new Account.
5.2 Storyteller
Marketing price: USD 9 per month.
Polar checkout may display EUR 9 or USD 9 per month, plus applicable taxes.
No fixed limit on the number of Projects or Published Projects, subject to storage, fair use, technical limits, and the Acceptable Use Policy.
5 GiB total storage.
Images up to 3 MiB per file.
Videos up to 8 MiB per file.
No recurring monthly AI Credits.
A genuinely new Account receives the one-time 40-credit lifetime grant. Upgrading an existing Account does not create another grant.
5.3 Studio
Marketing price: USD 19 per month.
Polar checkout may display EUR 19 or USD 19 per month, plus applicable taxes.
No fixed limit on the number of Projects or Published Projects, subject to storage, fair use, technical limits, and the Acceptable Use Policy.
25 GiB total storage.
Images up to 3 MiB per file.
Videos up to 8 MiB per file.
1,500 AI Credits after each successfully paid monthly Billing Period.
Unused Studio-period credits expire at the end of that Billing Period and do not roll over.
A genuinely new Account also receives the one-time 40-credit lifetime grant.
5.4 What “unlimited” means
“Unlimited” means that a paid Plan does not impose a fixed numerical Project or publication count. It does not mean unlimited storage, bandwidth, traffic, computation, generation, automation, or infrastructure use. All use remains subject to:
the stated storage and file-size limits;
reasonable rate and concurrency limits;
fair use;
the Acceptable Use Policy;
security and anti-abuse controls;
provider limits; and
technical capacity.
We may impose or adjust reasonable technical controls to protect the Service and other users. Where practicable, material changes to an advertised paid entitlement will be communicated in advance.
5.5 Over-limit Accounts
If your Plan changes and existing data exceeds the new limit, we do not automatically delete that data merely because it is over the limit. We may prevent new uploads, new Projects, new publications, or other expansion until the Account is within its current limits.
5.6 Enterprise inquiries
“Enterprise” is not a standard self-service Plan. It is an invitation to contact us about requirements beyond the public Plans. Any custom pricing, storage, credits, support, privacy terms, security review, DPA, SLA, or other commitment exists only in a separate written agreement signed or expressly accepted by Panel.
6. AI Credits
6.1 Current rate
At the effective date:
each successfully delivered image uses 10 AI Credits;
a request may produce 1 or 2 images;
generating 2 delivered images uses 20 credits;
2K and 4K generation also use 10 credits per delivered image; and
AI generation pauses when your available balance is insufficient.
An image is “delivered” when the server successfully persists it in ready status, makes it available to the owning user, and settles the request against the credit ledger.
If no image is delivered because generation fails, is rejected before delivery, or cannot be successfully persisted, reserved Panel credits are released or restored. Subjective dissatisfaction with an otherwise successfully delivered image does not automatically create a credit refund, although we may make a case-by-case goodwill adjustment.
6.2 Nature of AI Credits
AI Credits are limited, non-cash units for using eligible AI Features. They:
are not money, stored value, a deposit, or property;
cannot be transferred, sold, exchanged, or redeemed for cash;
have no independent cash refund value;
may be corrected where there is an error, duplicate grant, refund, chargeback, fraud, or abuse;
expire when the Account is deleted; and
may be subject to prospectively disclosed feature-specific rates.
There is no usage overage billing and no automatic credit purchase at launch. Standard additional credit packs are not available at launch.
6.3 Studio-period credits
Studio credits are granted only after a successful payment for the relevant Billing Period. They expire at the end of that Billing Period and do not roll over. A failed, reversed, refunded, or revoked payment may prevent a grant or remove unused credits associated with that paid period.
7. Billing through Polar
7.1 Merchant of Record
Paid Subscriptions are sold through Polar Software, Inc., which acts as Merchant of Record and authorized reseller. Your payment transaction is also governed by the terms presented by Polar at checkout.
Polar is responsible for checkout, payment processing, applicable transaction taxes, receipts and invoices, the Customer Portal, payment disputes, and transaction-level refunds. Panel is responsible for product access and product support.
7.2 Price, currency, and taxes
The pricing page may show a marketing price in US dollars. The final price, billing currency, taxes, and total recurring amount shown before you confirm the Polar checkout control the purchase.
You are responsible for taxes that are lawfully charged to you. Polar generally calculates and collects transaction taxes as Merchant of Record. Business customers are responsible for providing accurate tax information.
7.3 Monthly renewal
Paid Plans are monthly Subscriptions. They renew automatically each month until canceled. There are no annual Plans and no paid trial at launch.
The Billing Period and renewal date are shown in checkout, your receipt, or the authenticated Customer Portal.
7.4 Subscription management
You can access billing records and manage or cancel your Subscription through the Polar Customer Portal. A cancellation normally stops the next renewal and does not immediately end the already paid Billing Period.
If a Plan change is offered, its timing, price adjustment, and any proration will be shown by Polar or confirmed to you before the change. We do not promise that every Plan change is available as a self-service action.
7.5 Failed payments
Polar may retry a failed payment. During a temporary past-due period, paid access may continue, but a new Studio credit grant requires a successful payment. If payment remains unresolved, we or Polar may restrict paid features, end the paid entitlement, or downgrade the Account.
7.6 Chargebacks and payment disputes
We may restrict or suspend an Account or paid features while a chargeback, reversal, fraud concern, or payment-ownership dispute is investigated. We may preserve billing and credit ledgers reasonably necessary to resolve the matter.
8. Cancellation, downgrade, and the public-access grace period
8.1 Ordinary cancellation
When you cancel a paid Subscription:
future automatic renewal is stopped;
the paid Plan normally remains active until the end of the current paid Billing Period; and
the Account then moves to the currently available Free limits.
Cancellation is not the same as Account deletion.
8.2 Six-month public-access grace period
Following an eligible ordinary cancellation or downgrade, existing eligible Published Projects, public links, and embeds remain available for six calendar months after the paid entitlement ends.
During this Public-Access Grace Period:
Projects and assets are not automatically deleted;
existing Projects may remain editable;
existing paid-era publications may remain public;
new Projects, uploads, and new publications are governed by Free limits;
an over-storage Account may be unable to upload additional files; and
you may be unable to publish another distinct Project while existing publications already exceed the Free publication limit.
The six months are calculated by calendar months in UTC, with ordinary end-of-month adjustment, rather than as a fixed 180 days.
8.3 After the grace period
After the Public-Access Grace Period, we may take Projects that exceed current Plan limits offline. We will try to give reasonable advance notice where practicable, but do not promise a particular notice period in an urgent, legal, security, abuse, or provider-related situation.
Automatic takedown immediately at grace expiry is not active at the soft launch. A delay in enforcement does not create a permanent right to continued hosting or public availability.
Taking a Project offline does not necessarily delete the Project or its assets. You may contact support before expiry to request more time or discuss another arrangement, but approval is discretionary.
Resubscribing cancels an active grace state and restores the applicable paid entitlements after successful payment. A later downgrade may begin a new grace period.
8.4 Exceptions
The grace period does not prevent us from restricting, removing, or terminating access sooner for:
an Acceptable Use Policy breach;
illegal or harmful content;
security or infrastructure risk;
fraud or payment abuse;
a chargeback or full refund/revocation;
a lawful request; or
another reason permitted by these Terms or mandatory law.
9. Consumer withdrawal and refunds
9.1 Mandatory rights come first
Nothing in this section limits a right that applicable consumer law gives you and does not allow us to waive.
Depending on where you live, you may have a right to withdraw from a distance contract within 14 days or another statutory period. You may also have statutory remedies if a digital service is defective, unavailable, or does not conform to the contract.
9.2 Immediate access
Panel is normally made available immediately after a successful purchase. Where applicable law requires it, checkout may ask you to:
expressly request that performance of the digital service begin before the withdrawal period ends; and
acknowledge the legal consequences for digital content supplied immediately.
For an ongoing digital service, if you validly withdraw after expressly requesting early performance, you may be required to pay a proportionate amount for service supplied before withdrawal, but only where applicable law permits.
For digital content not supplied on a tangible medium, a statutory withdrawal right may be lost after supply begins only if all legally required conditions, consent, acknowledgment, and confirmation have been satisfied. If they have not been satisfied, your statutory right remains unaffected.
9.3 Voluntary refunds
Beyond mandatory law, refund requests are reviewed case by case through Panel support and Polar. We do not promise:
a no-questions-asked refund period;
a prorated refund for unused time after ordinary cancellation;
a cash refund for unused AI Credits; or
a refund after suspension or termination for breach.
A full refund or revocation may end paid access immediately and may remove unused Studio credits associated with the refunded Billing Period. Outputs already delivered are not automatically deleted solely because a payment is refunded, but continued storage and access remain subject to the current Plan and these Terms.
9.4 How to request withdrawal or a refund
Use https://www.panel.design/contact or email hello@panel.design. Include the Account email, the transaction or invoice information, the requested remedy, and a brief explanation. You may also use any buyer-support route made available by Polar.
9.5 Model withdrawal form for eligible consumers
You may use the following form, but you do not have to use these exact words:
To: Panel Labs s.r.o., Příčná 1892/4, Nové Město, 110 00 Praha 1, Czech Republic; hello@panel.design
I hereby give notice that I withdraw from my contract for the following Panel subscription/service:
Ordered on:
Consumer name:
Consumer address:
Account email:
Date:
Signature, only if submitted on paper:
10. User Content
10.1 Your rights
You retain the rights you lawfully hold in content that you upload, import, create, generate, store, or publish through Panel, including prompts, images, video, text, reference material, Project content, and AI Outputs (“User Content”).
Panel does not claim ownership of your User Content.
10.2 License needed to operate Panel
You grant Panel a non-exclusive, worldwide, royalty-free license, with the limited right to sublicense to our service providers, to:
host, reproduce, cache, back up, transmit, and store User Content;
resize, format, encode, transcode, or otherwise technically adapt it;
display, publish, and embed it when you instruct us to do so;
process Inputs and Reference Material through AI providers at your request;
detect, investigate, and address security, fraud, abuse, and policy violations;
comply with law and valid legal process; and
otherwise operate, maintain, and support the Service.
This license is only for the purposes described above. We do not use private Projects in our marketing or public portfolio without separate permission, and we do not train our own AI models on private User Content at launch.
The license continues only as long as reasonably needed for those purposes. Following deletion, limited copies may remain in caches, protected backups, legal records, or third-party copies as explained in the Privacy Notice and these Terms.
10.3 Your promises about User Content
You represent and warrant that:
you own User Content or have every permission, license, consent, and lawful basis needed to submit and use it;
our processing and your intended publication or use will not violate law, contract, intellectual property, privacy, publicity, confidentiality, or other rights;
you have the necessary permission from identifiable people whose images or likenesses you use, including as Reference Material;
User Content complies with the Acceptable Use Policy; and
you will not misrepresent an AI Output as authentic evidence or a real person's statement, act, endorsement, or identity.
10.4 Sensitive and regulated data
Panel is not designed as a repository for payment-card data, government identifiers, medical records, highly confidential legal records, or other highly sensitive or specially regulated data.
Unless Panel has signed a separate written agreement, you must not use the Service for processing on behalf of an organization where a data processing agreement is legally required. You must not upload special-category or similarly sensitive personal data unless the use is strictly necessary, lawful, within the supported product scope, and protected by appropriate safeguards.
11. AI Features
11.1 Inputs and providers
When you use an AI Feature, your prompt, parameters, reference images, and other Inputs are sent through our AI service-provider chain. At launch, Panel uses Vercel AI Gateway and the downstream image model made available as bytedance/seedream-4.5.
The current route does not provide a confirmed zero-data-retention guarantee. Do not submit passwords, trade secrets, highly sensitive personal data, or other information that you cannot lawfully and safely share with an AI service provider.
We do not use private User Content to train our own AI models. We configure provider restrictions against prompt training where available, but downstream providers may process or retain data for service delivery, safety, abuse prevention, or other purposes under their applicable terms. See the Privacy Notice.
11.2 Character and Style Profiles
Character and Style Profiles are reference-image and metadata workflows intended to help guide visual consistency. Panel does not intentionally use these workflows for face recognition, identity matching, biometric identification, or sensitive-trait inference.
You must not use an identifiable real minor as AI Reference Material at launch. Other use of a real person's image requires appropriate rights and consent and must comply with the Acceptable Use Policy.
11.3 Output limitations
AI Outputs can be inaccurate, incomplete, biased, unexpected, offensive, non-unique, or similar to material produced for other users or found elsewhere. An Output may not qualify for copyright protection and may create legal risk in a particular context.
Panel does not guarantee that an Output:
is accurate or factually true;
is unique or exclusive;
is lawful in every jurisdiction or context;
is protected by copyright;
does not resemble or infringe third-party material;
is suitable for publication, commercial use, or any specific purpose; or
will meet your expectations.
You must independently review every Output and remain responsible for your use, editing, labeling, publication, and distribution of it.
As between you and Panel, you receive any rights in an Output that Panel can lawfully pass through, subject to applicable law and provider terms. This does not guarantee that any proprietary right exists.
11.4 Prohibited and high-risk use
You must comply with the Acceptable Use Policy. In particular, you may not use AI Features for unlawful or infringing generation, adult AI-generated content, face swaps, deceptive deepfakes, non-consensual intimate content, child sexual abuse or exploitation, deceptive impersonation, fraudulent evidence, or safety-critical decisions.
AI Features are not designed for medical, legal, financial, employment, housing, credit, law-enforcement, or other high-impact decisions about a person.
11.5 Labels and provenance
You must not remove, obscure, or falsify an AI disclosure, provenance marker, or machine-readable label where Panel or applicable law requires it. You are responsible for adding any additional disclosure required by the context in which you use or publish an Output.
12. Public Projects, unlisted links, and embeds
12.1 Public means public
A Public Project can be accessed by anyone with the URL and may be indexed by search engines. An unlisted Project may be marked noindex, but it is still accessible to anyone who obtains the URL. It is not private, password-protected, or confidential.
An Embed displays Published Content on a third-party site. The third-party site may have its own terms, privacy practices, scripts, and audience.
12.2 Copies outside Panel
Content delivered to a viewer's browser can technically be copied, saved, screenshotted, or recorded even if Panel does not provide an original-file download button. Search engines and third parties may cache, quote, copy, or retain Published Content.
Unpublishing or deleting content from Panel does not guarantee removal of copies outside our control.
12.3 Your publication decision
You are responsible for choosing whether to publish, use an unlisted URL, or embed a Project. Before publication, you must confirm that you have the necessary rights and that the content complies with law and the Acceptable Use Policy.
We may change or disable a slug, public link, or embed where needed for security, abuse prevention, rights enforcement, technical operation, or law.
13. Acceptable use, reports, and moderation
13.1 Acceptable Use Policy
You must comply with the Acceptable Use Policy at https://www.panel.design/acceptable-use. It applies to private and public content, prompts, Reference Material, Outputs, Accounts, traffic, storage, and automation.
13.2 Reporting content or abuse
Reports may be submitted through https://www.panel.design/contact or hello@panel.design. A useful report should include:
the exact public URL or other identifier;
the type of concern;
a clear explanation;
supporting evidence;
the reporter's contact details; and
where relevant, the legal right, jurisdiction, or authority relied on.
For a copyright or trademark report, also identify the protected work or mark, the rights holder or authorized agent, the allegedly infringing material, and a good-faith statement.
13.3 Review and action
Panel uses limited human moderation at launch and may use automated or provider-assisted tools in the future. We do not promise that all prohibited content will be detected before or after publication.
Depending on context, severity, history, and legal obligations, we may:
take no action;
ask for information or correction;
warn the user;
restrict or unpublish content;
remove content;
restrict AI generation or other features;
suspend an Account;
terminate an Account;
preserve evidence; or
report or disclose information to a competent authority where lawful or required.
We may act without advance notice where reasonably necessary to address imminent harm, child sexual abuse material, non-consensual intimate content, credible threats, phishing, malware, security abuse, fraud, or a valid urgent legal request.
13.4 Reasons and reconsideration
Where legally required and not prohibited by law or a safety concern, we will give the affected user a clear and specific reason for a restriction, including the factual basis, duration where known, and the legal or policy provision relied on.
The user may request reconsideration through the contact page, preferably within 30 days. Because Panel is operated by a small team, we do not promise review by a different person, but we will consider the information provided in good faith.
13.5 No general monitoring promise
We may investigate reported or detected content, but do not undertake to proactively monitor all User Content. You remain responsible for your Account and content.
14. Panel intellectual property and feedback
The Service, software, interface, branding, documentation, and materials supplied by Panel, excluding User Content, are owned by Panel or its licensors and are protected by applicable law.
Subject to these Terms, Panel grants you a limited, non-exclusive, non-transferable, revocable right to use the Service for its intended purpose during the applicable Account or Subscription period.
You may not:
copy, sell, sublicense, or commercially exploit the Service itself;
reverse engineer or attempt to obtain source code except where law expressly permits;
remove proprietary notices;
use Panel's name or marks in a misleading way;
use the Service to build a competing service through unauthorized scraping or extraction; or
access non-public systems or data without authorization.
If you voluntarily send feedback, ideas, or suggestions, you grant Panel a perpetual, worldwide, royalty-free right to use them without restriction or compensation. This feedback license does not include private Project content unless you deliberately submit that content as feedback.
15. Third-party services
Panel depends on third-party services, including authentication, hosting, storage, error monitoring, analytics, AI, and billing providers. Their availability, terms, and technical behavior can affect the Service.
A third-party site, embed host, or service linked from Panel is controlled by its operator. We are not responsible for third-party content or practices except to the extent mandatory law provides otherwise.
We may change a provider where reasonably necessary, including for security, quality, cost, availability, or compliance. Material privacy changes will be addressed under the Privacy Notice.
16. Suspension, termination, and Account deletion
16.1 Suspension or termination by Panel
We may restrict, suspend, or terminate access where reasonably necessary because of:
material or repeated breach of these Terms or the Acceptable Use Policy;
illegal, infringing, fraudulent, or harmful activity;
risk to users, third parties, Panel, or infrastructure;
payment failure, chargeback, or fraud;
a valid legal or provider requirement;
an attempt to evade enforcement; or
discontinuation of the Service.
Where practicable and appropriate, we will give notice and an opportunity to correct a remediable breach. We may act immediately in urgent or serious cases.
16.2 Account Deletion Requests
There is no instant self-service deletion function at launch. To request deletion, use https://www.panel.design/contact or hello@panel.design from your Account email and state “Account deletion.”
We will verify identity and authority. We aim to acknowledge a request within 7 calendar days and, after verification and resolution of subscription or ownership issues, to remove Account data from active primary systems within 30 days. These are service targets, not a promise of instant or simultaneous deletion from every system.
16.3 Subscription effect
Before deletion, cancel future renewal through the Polar Customer Portal. We will assist after verification, but the deletion request is not a reliable substitute for cancellation until Panel or Polar confirms that renewal has stopped.
When Account deletion is executed:
Account access ends;
unused AI Credits expire;
Published Projects are unpublished;
remaining paid time may be lost; and
no refund is automatic, subject to mandatory law and case-by-case review.
16.4 Retained records and backups
We may retain limited records where reasonably necessary for tax, accounting, fraud, security, abuse prevention, legal claims, disputes, chargebacks, content moderation, lawful requests, or legal holds.
Protected backups may not support item-level deletion. Deleted data may remain until normal rotation or expiry, will not be used for ordinary operations, and should be suppressed or deleted again if a backup is restored.
See the Privacy Notice for more detail.
17. Service changes and discontinuation
We may improve, change, limit, or discontinue features. We will try to give reasonable notice before materially reducing a paid core feature or discontinuing the Service, unless urgent legal, security, provider, or technical circumstances make advance notice impracticable.
If we discontinue a paid Service before the end of a paid Billing Period for reasons not caused by your breach, we will work with Polar on an appropriate remedy required by law, which may include continued access, a replacement, or a proportionate refund.
We do not guarantee that a feature, AI model, file format, publication URL, or third-party integration will remain available indefinitely.
18. Warranties and statutory conformity
18.1 Mandatory consumer rights
If you are a Consumer, applicable law may require the digital service to conform to the contract and provide remedies where it does not. Those rights are not excluded.
18.2 General disclaimer
To the maximum extent permitted by law, and subject to the consumer rights above, the Service and AI Features are provided “as is” and “as available.” We do not make implied warranties of merchantability, fitness for a particular purpose, non-infringement, uninterrupted availability, error-free operation, permanent storage, or specific results.
This disclaimer does not apply where a warranty cannot legally be excluded.
19. Limitation of liability
19.1 Non-excludable liability
Nothing in these Terms excludes or limits liability where doing so is unlawful, including liability for fraud, intentional misconduct, death or personal injury caused by negligence, or another liability that applicable law does not allow us to exclude or limit.
19.2 Consumers
If you are a Consumer, we are responsible as required by mandatory law. Nothing in these Terms limits remedies for a non-conforming digital service or other non-waivable rights.
We are not responsible for loss that was not reasonably foreseeable when the contract was formed, or for business loss arising from a Consumer's non-business use, except where mandatory law provides otherwise.
19.3 Business Users
If you are a Business User, to the maximum extent permitted by law:
Panel is not liable for indirect, incidental, consequential, special, exemplary, or punitive damages;
Panel is not liable for lost profits, revenue, opportunity, goodwill, anticipated savings, or data, except for reasonable restoration obligations caused by our breach where they cannot lawfully be excluded; and
Panel's total aggregate liability arising out of or relating to the Service in any 12-month period is limited to the greater of (a) the fees paid to access Panel during the 12 months before the event giving rise to liability, or (b) EUR 100.
The limitations apply regardless of the legal theory and even if a remedy fails of its essential purpose, except where law does not allow them.
20. Business User indemnity
This section applies only to Business Users.
You will defend, indemnify, and hold Panel and its officers harmless from third-party claims, damages, and reasonable costs arising from:
your User Content;
your infringement or violation of another person's rights;
your unlawful publication or use of an Output;
your material breach of the Acceptable Use Policy; or
your unauthorized or illegal use of the Service.
Panel must promptly notify you of a covered claim and allow you reasonable control of the defense, provided that you may not settle a claim in a way that admits fault by Panel or imposes a non-monetary obligation on Panel without our consent. Panel may participate with its own counsel at its own cost.
21. Changes to these Terms
We may update these Terms as the Service, law, risks, or provider requirements change.
For a material adverse change, we will normally give at least 30 days' advance notice through the Account email, an in-app message, or a prominent website notice. A price change will apply no earlier than a future renewal after the required notice.
We may make an immediate change where reasonably necessary to comply with law, address security or fraud, prevent harm, or meet an urgent provider requirement.
The updated Terms apply from the stated effective date. If you do not agree to a material change, you should stop using the Service and cancel before it takes effect. Mandatory rights concerning cancellation, data access, or deletion remain unaffected.
22. Governing law and disputes
22.1 Informal resolution
Before filing a claim, please contact us with a description of the issue and requested resolution. This does not suspend a statutory limitation period or prevent urgent relief.
22.2 Governing law
These Terms are governed by the laws of the Czech Republic, excluding its conflict-of-law rules, to the extent permitted by applicable law.
If you are a Consumer, this choice does not deprive you of mandatory protections available under the law of the country where you habitually reside.
22.3 Courts
For Business Users, the courts of the Czech Republic with territorial jurisdiction over Panel's registered office have exclusive jurisdiction, unless mandatory law requires otherwise.
Consumers may bring or defend proceedings in any court available under mandatory consumer-jurisdiction rules. We do not require arbitration.
22.4 Consumer ADR
An eligible Czech Consumer may contact the Czech Trade Inspection Authority for out-of-court dispute resolution:
Česká obchodní inspekce
Štěpánská 796/44
110 00 Praha 1
Czech Republic
https://adr.coi.cz
Participation and outcome are governed by applicable consumer-dispute rules.
23. General terms
23.1 Notices
You may send legal notices to hello@panel.design or the registered office stated above. We may send notices to the Account email or display them in the Service.
23.2 Assignment
You may not assign these Terms without our prior written consent, except where mandatory law gives you that right. Panel may assign these Terms as part of a merger, reorganization, sale of business or assets, or transfer to an affiliate, provided that Consumer rights are not reduced contrary to law.
23.3 No waiver
A delay in enforcing a right is not a waiver. A waiver must be clear and applies only to the specific instance.
23.4 Severability
If a provision is invalid or unenforceable, it will be interpreted or limited to the minimum extent necessary, and the remaining provisions continue in effect.
23.5 Entire agreement
These Terms, the Acceptable Use Policy, the applicable Polar checkout/order confirmation, and any separate written agreement are the entire agreement regarding the Service. They replace prior discussions or terms on the same subject.
Marketing copy does not override a specific mandatory right or a transaction term shown at checkout. However, nothing in this clause permits misleading marketing or removes a representation that applicable consumer law makes binding.
23.6 Force majeure
Neither party is liable for delay or failure caused by events beyond reasonable control, such as major infrastructure outages, natural disasters, war, civil disturbance, government action, labor disruption, or widespread network failure. This does not excuse payment already due or obligations that mandatory law does not allow us to exclude.
24. Contact
For product support, billing questions, Account deletion, privacy requests, reports, rights notices, security issues, or legal correspondence:
https://www.panel.design/contact
hello@panel.design
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