Terms of Service

These Terms of Service (“Terms”) form a binding agreement between you and PAN I.T (“PAN I.T,” “we,” “us”). By creating an account, registering a partner store, making a booking, downloading or using any PAN I.T app, or engaging us for consulting services, you agree to be bound by these Terms and by our Privacy Policy.

If you are using our services on behalf of a business, you confirm you have authority to bind that business to these Terms.

PAN I.T operates panit.org as a marketplace connecting customers with independent partner stores offering IT services and support, web and mobile development, device sales and repair, auto mechanic and repair services, barbering, hair and beauty, home services and repair, electronics repair, photography and videography, and event services. We also develop and operate our own products — WorkMe, P’PN, EduPro Campus, and LMS — and provide direct IT consulting services.

PAN I.T is a marketplace and technology provider, not the direct supplier of every service listed on the platform. Except where PAN I.T itself is identified as the service provider (for example, direct consulting engagements, or our own apps), each partner store is an independent business responsible for the services it provides, and is solely responsible for the quality, legality, and safety of its own work.

• You must be at least 18 years old to create an account or use our services.
• You must provide accurate, current, and complete information when registering, and keep it up to date.
• You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
• You must notify us immediately at admin@panit.org of any unauthorized use of your account.
• We may suspend or terminate accounts that provide false information, as set out in Section 18.

When you book a service through a partner store, you are entering into a direct arrangement with that store. PAN I.T facilitates the introduction, booking, and (where applicable) payment, but is not a party to the underlying service agreement between you and the partner store unless expressly stated otherwise.

We review partner store applications before approval, and we may deny, suspend, or remove any store at our discretion, including for suspected fraud, repeated complaints, or breach of these Terms. Approval by PAN I.T is not a guarantee or warranty of a partner store’s work, and does not make PAN I.T liable for that store’s acts or omissions.

If you register a partner store on PAN I.T, you additionally agree that:

• All information you submit — including company name, services offered, Tax Identification Number, Form A document, and Business Certificate — is true, accurate, and complete to the best of your knowledge.
• Providing false or fraudulent information (identity, business registration, or other registration details) is a criminal offense. Accounts found to have submitted fake details will be investigated, and the details on file may be forwarded to the police for further action.
• You will keep your compliance documents current, and promptly update your account if any registration detail changes.
• You are solely responsible for the quality, safety, legality, pricing, and delivery of the services or goods you offer, and for complying with all applicable laws and licensing requirements for your trade.
• You will honour the billing plan you selected (quarterly or annual subscription) and pay all fees when due; see Section 8.
• Until your store is approved, you may use your account to apply and prepare your listing, but you may not accept bookings, edit live settings, or represent yourself as an approved PAN I.T partner.
• PAN I.T may deny or revoke approval at any time for breach of these Terms, and a denied or suspended store’s login does not entitle it to continue operating on the platform.

When using PAN I.T as a customer, you agree to:

• Provide accurate booking and contact information so partner stores can reach and serve you.
• Treat partner stores, their staff, and PAN I.T staff with respect and without harassment, discrimination, or abuse.
• Pay for services you book and confirm, through the payment method agreed at booking.
• Not use the platform to solicit a partner store off-platform in order to avoid applicable fees, where doing so breaches that store’s own agreement with us.

A booking or order request is a request to a specific partner store; it is not confirmed until the store accepts it. Estimated prices, availability, and timelines shown on the platform are provided by partner stores and may change before a booking is finalized. PAN I.T is not responsible for a partner store’s failure to honour a booking, though we will assist in good faith to resolve disputes raised through our support channels.

Partner store subscriptions

Introductory or promotional pricing (including any free period while PAN I.T is onboarding partner stores) will be clearly communicated and is not guaranteed to continue indefinitely; we will give reasonable notice before any free period ends or prices change.

In-app payments

Where a service is paid in-app, payment is processed by Paystack, our licensed third-party payment processor, including card payments and mobile money charges (MTN, Telecel, AirtelTigo). By making a payment, you authorize us and Paystack to charge the payment method you provide. Paystack’s own terms of service, available at paystack.com/terms, govern its handling of the transaction itself. PAN I.T is not responsible for the acts or omissions of Paystack or any other third-party payment processor, though we will assist in resolving payment disputes raised in good faith.

Direct payments

Some services are paid directly between customer and partner store (cash or personal mobile money transfer), outside of PAN I.T’s payment rails. PAN I.T is not a party to, and does not guarantee, these direct payments.

Taxes

All fees are exclusive of applicable taxes unless stated otherwise. Partner stores are responsible for their own tax obligations arising from income earned through the platform.

Cancellation and refund terms for a specific booking are set by the partner store fulfilling it, and will be shown at or before booking where available. Subscription fees paid by partner stores are non-refundable except where required by law or expressly agreed by PAN I.T in writing. If you believe you have been charged in error, contact admin@panit.org and we will investigate promptly.

WorkMe, P’PN, EduPro Campus, and LMS are products built and operated directly by PAN I.T. Use of any of these apps is governed by these Terms together with any additional terms, in-app agreements, or safety notices presented within that app (for example, WorkMe’s driver and rider agreements). Where a conflict exists between these Terms and an app-specific agreement, the app-specific agreement governs for matters it expressly covers.

The PAN I.T name, logo, website, apps, and all related content, features, and functionality (excluding content submitted by users and partner stores) are owned by PAN I.T or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our services without our prior written consent.

You retain ownership of content you submit (such as a store logo, compliance documents, reviews, or messages). By submitting content, you grant PAN I.T a non-exclusive, worldwide, royalty-free license to host, store, reproduce, and display that content solely to operate and improve our services. You are responsible for ensuring you have the right to submit any content you upload, and that it does not infringe a third party’s rights.

You agree not to:

• Submit false, fraudulent, or misleading information, including fake business registrations or identity documents.
• Use the platform for any unlawful purpose, or to facilitate illegal goods or services.
• Interfere with, disrupt, or attempt to gain unauthorized access to our systems, accounts, or data.
• Scrape, harvest, or misuse data from the platform beyond your own account.
• Impersonate another person or business, or misrepresent your affiliation with PAN I.T.
• Harass, threaten, or discriminate against other users, partner stores, or PAN I.T staff.

Our services are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by law. We do not warrant that the platform will be uninterrupted, secure, or error-free, or that any partner store’s work will meet your expectations.

To the fullest extent permitted by law, PAN I.T and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising from your use of our services or any partner store’s services. Our total liability for any claim arising from these Terms or our services will not exceed the total fees you paid directly to PAN I.T in the 12 months preceding the claim. Nothing in these Terms limits liability that cannot be limited under Ghanaian law, including liability for death, personal injury, or fraud caused by our negligence.

You agree to indemnify and hold PAN I.T harmless from any claim, loss, liability, or expense (including reasonable legal fees) arising from your breach of these Terms, your misuse of the platform, or your violation of any law or third-party right.

Our platform may link to, or integrate with, third-party services, including Paystack (payment processing), mapping services, and communication providers. We are not responsible for the content, policies, or practices of third-party services, and your use of them is subject to their own terms — for Paystack, see paystack.com/terms and paystack.com/privacy.

You may close your account at any time by contacting admin@panit.org. We may suspend or terminate your access to any PAN I.T service, with or without notice, if we reasonably believe you have breached these Terms, provided false information, engaged in fraudulent or unlawful conduct, or where required by law. On termination, provisions that by their nature should survive (including Sections 11, 12, 14, 15, 16, and 19) will continue to apply.

These Terms are governed by the laws of the Republic of Ghana, without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms or our services will first be addressed through good-faith negotiation; if unresolved within 30 days, either party may pursue the matter before the courts of Ghana, which have exclusive jurisdiction.

We may update these Terms from time to time. We will post the revised Terms on this page with a new “Last updated” date, and where changes are material, provide additional notice. Continued use of our services after changes take effect constitutes acceptance of the revised Terms.

• Severability: if any provision of these Terms is found unenforceable, the remaining provisions remain in full force.
• No waiver: our failure to enforce a provision is not a waiver of our right to do so later.
• Entire agreement: these Terms, together with our Privacy Policy and any app-specific agreements, constitute the entire agreement between you and PAN I.T regarding our services.
• Assignment: you may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.