Terms of Service

Last updated: October 17, 2026

Language: This document is provided in both English and Bengali (বাংলা) for accessibility. In the event of any conflict, ambiguity, or discrepancy between the two versions, the English version shall control.

Acceptance of Terms

These Terms of Service (“Terms”) are a legally binding agreement between you and Panosia LLC (“Panosia Connect,” “we,” “our,” or “us”), governing your access to and use of connect.panosia.com and all related services (collectively, the “Service”).

By creating an account or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

These Terms, together with our Privacy Policy, Community Guidelines, and Refund Policy, constitute the entire agreement between you and Panosia LLC regarding the Service and supersede all prior agreements relating to the same subject matter.

About Panosia Connect

Panosia Connect is a trust-first community with two parts:

• Matrimony: members make profiles, find serious marriage matches, and involve family and trusted friends.
• Services Marketplace: members list and book services and products for weddings, marriage and family life. Examples are photographers, venues, caterers, officiants and gifts.

Both parts are for adults. Identity verification helps build trust in both.

Eligibility

To use the Service, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using our services under applicable law
• Provide accurate and truthful information when registering

You may join to find a marriage partner, to help others as a community matchmaker, to offer a service or product, or to book one. Panosia Connect is for serious, lifelong marriage partnerships. It is not a dating service. Do not use booking requests or contact details from a listing to pursue personal or romantic contact with a provider or seeker. Members who are already married may help others as community matchmakers or use the Services Marketplace, but they may not present themselves as marriage candidates.

Account Registration & Security

• Accuracy: You must provide accurate, current, and complete information when creating your account and keep it updated.
• One account per person: You may maintain only one active account. Creating multiple accounts to circumvent restrictions is prohibited.
• Account security: You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
• Unauthorised access: Notify us immediately at connect@panosia.com if you suspect unauthorised use of your account.
• Profile truthfulness: All profile information — including photos, age, marital status, education, and professional background — must be truthful. Photos must be genuine representations of you. Misrepresentation is grounds for immediate account termination.

Acceptable Use

Permitted Uses

• Creating a genuine matrimonial profile for yourself
• Participating as a community matchmaker to facilitate introductions for others
• Sharing profiles within your trusted personal network, in accordance with privacy settings
• Generating biodata PDFs for traditional family-led matchmaking
• Using verification services to build trust
• Offering a service or product through the Services Marketplace, or requesting a booking or order
• Vouching for individuals you know personally

Prohibited Activities

You must not:

• Misrepresentation: Provide false information about your identity, age, marital status, background, or intentions.
• Harassment: Engage in unwelcome communication, stalking, intimidation, or any behaviour that makes others uncomfortable.
• Business use outside the marketplace: Promote a business, run a paid matchmaking service, run a dating service, or use the Service for any purpose other than those permitted above. Offering or booking services or products through the Services Marketplace, as set out in the Services Marketplace section of these Terms, is permitted.
• Promoting outside your listing: A service provider may promote their business only through their Services Marketplace listing, not through matchmaking activity, profile text or private messages.
• Transactional relationships: Offer, solicit, or facilitate escort services, compensated companionship, sex work, casual or transactional sexual relationships, or any pay-for-company arrangement. Panosia Connect does not support these. Its introductions are for serious marriage only.
• Financial fraud: Request money, financial information, or engage in scams or deceptive schemes through the platform or its networks.
• Spam & automation: Send bulk messages, use automated tools, bots, or scripts to interact with the Service or other users.
• Data mining: Scrape, extract, or collect user information beyond what is needed for personal use; violate others' privacy settings.
• Multiple accounts & impersonation: Create multiple accounts, impersonate any person or entity, or misrepresent your affiliation with any person.
• Illegal activity: Use the Service for any purpose that violates applicable law, including anti-discrimination, consumer protection, and privacy laws.
• Platform interference: Attempt to circumvent security measures, access systems you are not authorised to access, or interfere with the integrity of the Service.
• Disrespect toward any community: Post content that demeans, discriminates against, or disrespects individuals on the basis of religion, ethnicity, gender, nationality, or any other protected characteristic.

User Content & Intellectual Property

Your Content

You retain ownership of all content you submit to the Service (“User Content”), including profile text, photos, and biodata documents.

By submitting User Content, you grant Panosia LLC a worldwide, non-exclusive, royalty-free, sublicensable licence to use, store, display, reproduce, and distribute your User Content solely for the purpose of operating and improving the Service. This licence ends when you delete the content or your account, subject to retention requirements described in our Privacy Policy.

• You represent that you own or have the right to submit all User Content you post.
• You are responsible for ensuring your User Content does not infringe any third party's intellectual property, privacy, or other rights.
• We reserve the right to remove User Content that violates these Terms or applicable law.

Our Intellectual Property

• The Service, including its design, software, algorithms, and branding, is proprietary to Panosia LLC and protected by intellectual property law.
• You may not copy, modify, reverse engineer, decompile, or create derivative works from any part of the Service.
• Panosia, Panosia Connect, and associated logos are trademarks of Panosia LLC.

Copyright / DMCA Takedown

If you believe your copyrighted work has been posted on the Service without authorisation, including in a listing's photos, logos or description, send a written notice to connect@panosia.com with: (1) identification of the copyrighted work; (2) identification of the infringing material and its location on the Service; (3) your contact information; (4) a statement of good faith belief that the use is not authorised; and (5) a statement, under penalty of perjury, that the information is accurate and you are the copyright owner or authorised agent.

We will remove or disable access to material identified in a valid notice, and we will end the accounts of members who are repeat infringers. If you posted material that was removed and you believe this was a mistake or that you have the right to use it, you can send a counter-notice to the same email address with: (1) identification of the removed material and where it appeared; (2) a statement, under penalty of perjury, that you believe in good faith it was removed by mistake or misidentification; (3) your name, address and phone number; and (4) a statement that you consent to the jurisdiction of the courts where you live and will accept service of process from the person who sent the notice. We may restore the material in 10 to 14 business days after we receive a valid counter-notice, unless the person who sent the notice tells us they have started a court action.

Our Services

Core Platform (Free)

The following features are provided at no cost and will remain free:

• Matrimonial profile creation with granular field-level privacy controls
• Discovery and search across the platform
• Network sharing via SMS, WhatsApp, email, and social media
• Community matchmaker tools for helping others find partners
• Biodata PDF generation for traditional family sharing
• Access request and connection management
• Peer vouching and community validation

This list covers the matrimony features above. The Services Marketplace is separate: listing a service and requesting bookings are currently free, and we may introduce fees or on-platform payments with notice, as described in the Services Marketplace section.

Identity and Background Verification

Identity verification is required to use some features, such as in-app chat and requesting or offering a service booking, and we may require it to finish creating your account. Where a fee applies, it is a one-time charge confirmed before you pay, and it may change; see our Pricing page and Refund Policy. Background checks are optional.

• Self-Service ID Verification: Automated document and selfie identity check via a third-party vendor, typically completed in minutes. A video-call verification option remains available as a fallback for members whose documents aren't supported, or who prefer speaking with a reviewer.
• Digital Background Check: Identity, education, and employment validation with document review, typically completed within 3–7 business days.
• In-Person Verification: Available on request in some areas, and not bought through the in-app checkout. We confirm the price, the area and the arrangements with you before you pay. See our Pricing page.

Services Marketplace

Members can browse listings, offer services and products, and send booking or order requests. Listing a service and requesting bookings is currently free. Payment is arranged directly between the provider and the seeker. See the Services Marketplace section below for the full rules.

Service Availability

We aim to provide the Service continuously but do not guarantee uninterrupted availability. We may suspend or limit access for maintenance, updates, security responses, or other operational reasons. We are not liable for any loss arising from planned or unplanned service unavailability.

Payment Terms

• One-time fees: Verification services are single purchases, not recurring subscriptions. The core platform is free and will remain so.
• Secure processing: Payments are processed through Stripe. We never receive or store your card details — only a payment status and transaction reference.
• Price confirmation: The exact amount is shown on the secure checkout page before you pay, and that amount is the price you pay.
• Pricing changes: Prices may change and promotional rates may end. A returning member may be charged our standard rate instead of a promotional one. A price change never affects an amount you have already paid, and is not a change to these Terms. See our Refund Policy.
• Refunds: See our Refund Policy for full details on eligibility and process.

Verification Services — Disclaimer

What Verification Is and Is Not

Panosia Connect verification services are:

• Performed on a best-efforts basis using user-provided documents and publicly available information.
• Point-in-time only — results reflect information available at the time of verification and may become outdated.
• For personal use only — to help you decide whom to trust in a marriage introduction or a service booking. They are not professional investigative, employment screening, credit, or legal services.
• Subject to the limitations of the data sources and documents available to us.

Verification services are explicitly NOT:

• Professional investigations or licensed background screening
• Legal, financial, or relationship advice
• An endorsement, recommendation, or guarantee of any person's suitability, character, or trustworthiness
• Consumer reporting agency services as defined under the Fair Credit Reporting Act (FCRA)

Self-Service ID Verification

The self-service ID check is conducted by an automated third-party vendor (Didit). The vendor assesses document authenticity and matches a selfie to the ID. A vendor result is reviewed by our team before your verification status changes — an automated pass or fail is not a final decision. Document images and biometric data are processed exclusively by Didit and never stored on our servers.

Your Responsibilities

• You must use your own independent judgment when evaluating other users and profiles.
• You should conduct additional due diligence as appropriate for your situation and verify critical information independently.
• Consult qualified professionals for legal, employment, or other formal decisions.
• Reports must not be used for employment screening, credit decisions, legal proceedings, or any discriminatory purpose.
• You must respect the privacy of verified individuals and not share reports publicly.

Limitation of Liability for Verification

Panosia LLC accepts no liability for inaccuracies, omissions, or outdated information in verification reports, or for any decisions, damages, losses, or consequences arising from your use of verification information. Our maximum liability in respect of any verification service is limited to the fee paid for that specific service.

AI-Powered Features

We offer an optional AI biodata import feature that extracts profile fields from a document you upload, using Google Gemini.

• Explicit consent required: Your content is sent to Google Gemini only after you grant informed consent. You may revoke consent at any time; revocation does not remove fields already applied to your profile.
• Your data only: Only upload documents containing your own information. Do not import documents containing third-party personal information without their consent.
• Review before saving: All extracted fields are displayed for your review before anything is applied to your profile. You are solely responsible for the accuracy of information you confirm and save.
• No guarantee of accuracy: AI extraction accuracy varies with document quality. We are not liable for inaccuracies in AI-extracted data that you apply to your profile without adequate review.

Community Matchmaking

When acting as a community matchmaker, you agree to:

• Participate with genuine intent to help others find meaningful partnerships — not for commercial gain.
• Accurately represent the individuals you introduce to each other.
• Honour all privacy settings and user preferences when sharing or discussing profiles.
• Be honest about your own identity and relationship to the parties involved.
• Only vouch for individuals you know personally or through sources you reasonably trust.
• Maintain appropriate confidentiality about the personal details you encounter.

Users may share profiles externally (SMS, WhatsApp, email, social media) only for profiles where the owner has enabled network sharing and only in accordance with the owner's privacy settings. You are responsible for how you and your network interact with shared content outside our platform.

Services Marketplace

Panosia Connect lets members offer services and products related to marriage, family and community life (for example, photographers, venues, caterers, officiants, counselors, and sellers of groceries, gifts or other goods) and lets other members request to book or order them. Services that charge for introducing members to each other, or for making matches between members, are not permitted.

Our Role

• We provide the listings and the booking tools. We are not a party to any agreement between a provider and a seeker.
• We do not employ or endorse providers. We do not guarantee the quality, safety, legality, or availability of any service or product.
• On each listing, the provider is the person you contract with. The order of listings does not mean we recommend one over another.
• Disputes between members are between them. When we review a report, it is a safety process. It is not a decision about who owes what.
• Providers alone are responsible for the services they offer, any licences or permits those services need, and the accuracy of their listings.
• Sellers alone are responsible for the products they offer. This includes food safety, hygiene, labelling, ingredient and allergen information, any licences or permits, and claims such as halal, vegetarian or gluten-free.
• We do not inspect, test or certify products or kitchens, and we do not verify these claims. If you have an allergy or a dietary requirement, ask the seller directly before you order.
• Notes and history entries on a booking are a record that the two of you keep. We do not verify them, and we do not enforce them as an agreement between you.

Who Can Use It

Offering a service or requesting a booking requires a completed, approved ID verification. ID verification confirms who someone is, not the quality of their service — see Verification Services — Disclaimer above.

Payments

• Payments for services are currently arranged directly between the provider and the seeker, outside Panosia Connect. We do not process, hold, or refund these payments, and our Refund Policy does not apply to them.
• Any deposit, cancellation, or refund terms are between you and the other person. The cancellation window shown on a listing is the provider's own stated policy.
• We cannot recover, hold or refund money paid outside Panosia Connect, and we are not responsible if a provider does not deliver. Nothing in these Terms limits any consumer rights you have under the law where you live. Where they apply, those rights are owed by the provider, not by Panosia.
• The total shown on a request is the seller's price, including any delivery fee they set. It may not include taxes or other charges the seller adds.
• A booking request can include several items from one listing. It is accepted, priced and cancelled as a whole, and its cancellation window counts back from its earliest date.
• Listing a service and requesting bookings is currently free. If we introduce fees or on-platform payments, we will update these Terms before they apply.

Providers

• Buyer details: If a buyer gives you a delivery address or other personal details, use them only to fulfil that order. Do not share them, use them to market to the buyer, or keep them longer than you need to.
• Public listings: A published listing, including its description, can be found by search engines. Do not put personal phone numbers or home addresses in a public description.
• Review of listings: Before a new listing appears publicly, our team reviews it. We may approve it, send it back for changes, or decline it. A listing you set to private is live to anyone with its link, without prior review, and we may review it, change its visibility, or remove it later. After approval, changes you make may be reviewed again, and the listing may be taken down.
• What a review is not: A review checks the listing against these Terms. It is not a check of your licences, qualifications, claims (such as halal or food safety), or the quality or safety of what you offer. Approval is not our endorsement or guarantee.
• Taxes and licences: You are responsible for your own taxes and for any sales-tax or business registration your sales require. If your service needs a licence, registration or insurance where you or the customer are located, you must hold it, and you must not offer the service without it. Panosia does not check licences, and a listing does not mean a provider is licensed.
• Tax on marketplace sales: Because payments are made directly between you and the other person, and not through Panosia, we do not collect or remit sales tax on those transactions. If that changes, we will tell you.
• Fair treatment: You must not refuse a request or offer different terms because of a protected characteristic where the law prohibits it. You may describe a genuine religious or cultural character of your service, such as halal food or women-only styling, and you must apply it honestly. Do not ask booking questions about protected characteristics unless the service truly needs the answer.
• Offering for a business: If you offer a service for a business, you confirm you have the authority to bind that business to these Terms.
• Services with children: Do not use Panosia Connect to offer or arrange services where you are alone with, or responsible for, children. Examples are childcare and one-to-one tutoring of minors. Services where a parent or guardian stays present are allowed. ID verification is not a background check.
• Your duties: Describe your service honestly, keep your items, prices and availability up to date, respond to requests in good time, and honour bookings you accept.
• Your public record: It shows your overall rating, completed bookings, response rate, and your cancellations and no-shows over the last year. You can ask the seeker to agree to cancel a confirmed booking instead of cancelling it yourself. If they agree, it is kept off your record as a cancellation, since it was mutual.

Seekers

Bookings are made by adults, for themselves or for a child they are legally responsible for. If you request a booking, you agree to give accurate details, show up for bookings you confirm, and cancel within the provider's stated window where you can. Reviews must reflect your own genuine experience of a completed booking.

Peer Feedback and Recommendations

• After a completed booking, for a limited time, a provider may privately record that they would work with the seeker again, or skip the question. Either person may write a short recommendation about the other.
• A provider's answer cannot be changed once given. A provider cannot read the seeker's review of that booking until they have answered or skipped, or until the time to do so has ended.
• A recommendation must be positive, truthful, about that booking, and free of incentives, personal details, links, phone numbers and email addresses.
• The person written about decides whether it is shown, based on the version they have read. They may show or hide it at any time.
• The writer may edit a recommendation or withdraw it. If the writer edits it, it goes back for approval and is not shown until the person written about approves it again.
• If the person written about chooses not to show it, that is final for that booking. The writer cannot send it again and can only withdraw it.
• A recommendation cannot be shown, and its writer cannot withdraw it, while the booking is under review. A writer cannot withdraw a recommendation we have removed.
• A recommendation shown about a provider appears on all of that provider's listings without the writer's name, but the provider may be able to tell who wrote it.
• You grant us a licence to display a recommendation you write, as described in these Terms, while it is shown, and to keep it as our Privacy Policy describes. We may remove a recommendation that breaks these Terms or our Community Guidelines.
• Recommendations and "would work with them again" answers are one person's opinion. We do not verify them or guarantee their accuracy, and they are not part of a provider's star rating. We do not use them to restrict accounts.

"Listed by Panosia" Listings

Some listings are created by our team, from information a business has made public, for businesses that have not joined Panosia Connect yet. They are marked "Listed by Panosia", are for information only, and cannot be booked. We do not guarantee that their information is current; check with the business directly. A business can ask us to correct or remove its listing, or claim it by sending proof that our team reviews by hand.

Moderation

We may hide or remove a listing, remove a review or recommendation, decline a listing claim, or remove a cancellation or no-show from a provider's record, where we find a breach of these Terms or our Community Guidelines, or after reviewing a report or dispute. While a booking is under review after a report, actions on it are paused. If your account is suspended or closed, your listings are hidden, pending requests to you are declined, and your upcoming confirmed bookings are cancelled. See Appeals below.

Third-Party Services

The Service integrates with third-party providers including Supabase (infrastructure), Stripe (payments), Didit (identity verification), Resend (email), OneSignal (push notifications), Google Gemini (AI), Cloudflare (CDN), and Umami (analytics). Your use of these providers through the Service is subject to their respective terms and privacy policies.

We are not responsible for the availability, accuracy, or practices of any third-party services. Links to external websites are provided for convenience only — we do not endorse and are not liable for any third-party site or service.

Safety

We provide reporting tools and investigate reports of inappropriate behaviour. Our team can block, suspend or terminate accounts that violate these Terms. However, we cannot guarantee the behaviour of any user.

You are responsible for your own safety. We recommend: exercising caution before sharing sensitive personal information with someone you have not yet met; meeting in public places for initial in-person meetings; telling a trusted person where you are going; and independently verifying information that is important to your decision-making.

Privacy

Our Privacy Policy explains how we collect, use, and protect your personal information and sets out your rights. By using the Service, you agree to our Privacy Policy, which is incorporated into these Terms by reference.

Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR UNINTERRUPTED OR ERROR-FREE OPERATION.

• We do not guarantee that the Service will be free from errors, viruses, or other harmful components.
• We do not guarantee successful matches, introductions, or marriages.
• We do not guarantee the quality, safety, legality or availability of any service or product offered by a member.
• We cannot verify all user-provided information despite our best efforts.
• We are not responsible for user conduct on or off the platform.
• We are not responsible for interactions or relationships formed through the Service.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PANOSIA LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM:

• Your use of or inability to use the Service
• Any conduct or content of any third party on the Service
• Any content obtained from the Service
• Unauthorised access, use, or alteration of your transmissions or content

Our total liability to you for all claims arising out of or relating to these Terms or the Service shall not exceed the greater of (a) the total amount you paid us in the twelve months preceding the claim, or (b) USD $50.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for consequential damages, so some of the above limitations may not apply to you. Nothing in these Terms limits or excludes liability that cannot be limited or excluded by law, including liability for death or personal injury caused by negligence, or for fraud.

Indemnification

You agree to defend, indemnify, and hold harmless Panosia LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with:

• Your access to or use of the Service
• Your User Content
• Your violation of these Terms
• Your violation of any third-party right, including intellectual property, privacy, or proprietary rights
• Any goods or services you offer through the Services Marketplace, including claims about their safety, quality, labelling, or legality

Account Termination

By You

You may delete your account at any time via Settings → Account → Delete Account. Deletion is irreversible. Some information may be retained as described in our Privacy Policy (for example, financial records required by law). Paid services are subject to our Refund Policy.

By Us

We may suspend or permanently terminate your account, with or without notice, if we determine that you have violated these Terms, engaged in fraudulent or harmful conduct, or if required to do so by law. Upon termination, your right to access the Service ceases immediately. We are not liable to you or any third party for termination of your account.

Appeals

If your account has been restricted, suspended, or terminated, or a listing, review, recommendation, listing claim, or booking record of yours has been removed, rejected, or recorded, or your identity verification was rejected, and you believe this was done in error, you may request a review by contacting connect@panosia.com. Include your account email and any context relevant to your request. We will consider appeals in good faith, but submitting one does not guarantee reinstatement. Some actions — particularly those involving safety, legal obligations, or zero-tolerance violations — may not be eligible for reversal. For a rejected identity verification, you can also choose a video-call verification with our team instead.

Dispute Resolution & Governing Law

Informal Resolution

Before initiating any formal proceedings, please contact us at connect@panosia.com to attempt to resolve the dispute informally. We will make a good-faith effort to resolve it within 30 days.

Governing Law

These Terms are governed by the laws of the State of North Carolina, USA, without regard to its conflict of law principles.

Arbitration

For users located in the United States: any dispute arising out of or relating to these Terms or the Service that is not resolved informally shall be submitted to binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Arbitration shall take place in North Carolina, USA, or remotely by agreement. The arbitrator's decision shall be final and binding. This arbitration clause does not cover disputes between members, which are between those members.

Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm.

Force Majeure

We are not liable for any failure or delay in performance caused by circumstances beyond our reasonable control, including natural disasters, power outages, internet failures, acts of government, pandemics, or third-party service outages.

Severability & Waiver

If any provision of these Terms is found to be unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force. Our failure to enforce any provision is not a waiver of our right to do so in the future.

Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email and by displaying a notice on the platform when you next log in. The “Last updated” date at the top of this page always reflects the most recent revision. Continued use of the Service after the effective date of a change constitutes acceptance of the updated Terms.

Contact Us

For questions about these Terms:

• Email: connect@panosia.com
• Company: Panosia LLC
• Jurisdiction: North Carolina, USA