Terms and Condition

1. Acceptance of Terms

By accessing www.thepanelist-moneybags.com, you agree to comply with these Terms. Do not use the site if you disagree.

2. Intellectual Property

All content (text, logos, media, trademarks) is owned by Brainworks Interactive Media Services Nig. Ltd and protected under Nigerian and international law.

3. User Eligibility

You must be 18+ to register or participate.

4. User Responsibilities

You agree to:

• Provide accurate information

• Keep your login credentials secure

• Refrain from illegal, abusive, or unauthorized activity on the site

5. Payments & Purchases

• Certain services/products require payment (e.g., registration PIN)

• All payments are final and non-refundable

• Unauthorized resale of PINs or access is prohibited

6. Account Termination

We may suspend or terminate your account without notice for violating these terms.

7. Limitation of Liability

We are not liable for:

• Losses from service interruption or misuse

• Content errors or unavailability

• Issues caused by third-party links

8. Arbitration & Dispute Resolution

All disputes will be resolved via arbitration in Nigeria under applicable laws.

9. Updates

We may revise these terms without notice. Continued use implies acceptance.