Pana.
Pana Terms of Service

Terms of
Service.

The terms and conditions that apply to your access to and use of Pana.

Last updated · August 10, 2026

Welcome to Pana. These Terms of Service (these “Terms”) form a binding agreement between you and Turbo AI, Inc. (d/b/a Palo Alto Collaboration Company, "PACO", "we", "us"), a Delaware corporation, and govern your access to and use of Pana, our AI-assistant service. The Service includes the Pana mobile application (the “App”), the dedicated computing instance we provision for you when you register (your “Pana Instance”), and any related websites, content, tools, features, and functionality we make available through any of the foregoing (collectively, the “Service”).

Please read these Terms carefully. They contain important information about your legal rights, remedies, and obligations, including limitations and exclusions that apply to you. By creating an Account, accessing, or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not access or use the Service.

THESE TERMS MAY BE MODIFIED FROM TIME TO TIME. IF WE MAKE MATERIAL CHANGES, WE WILL USE REASONABLE EFFORTS TO NOTIFY YOU BY EMAIL OR BY PROMINENT NOTICE IN THE APP. YOUR CONTINUED USE OF THE SERVICE AFTER THE UPDATED TERMS TAKE EFFECT CONSTITUTES YOUR ACCEPTANCE OF THOSE CHANGES. IF YOU DO NOT AGREE TO ANY MODIFICATION, YOUR SOLE REMEDY IS TO STOP USING THE SERVICE AND CANCEL YOUR SUBSCRIPTION. SEE SECTION 12.1 FOR DETAILS.

SECTION 10 OF THESE TERMS CONTAINS A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER. BY AGREEING TO THESE TERMS, YOU AGREE (A) TO RESOLVE DISPUTES WITH US THROUGH BINDING INDIVIDUAL ARBITRATION, AND (B) TO WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR CLASS ARBITRATION. YOU HAVE THE RIGHT TO OPT OUT OF ARBITRATION AS DESCRIBED IN SECTION 10.7.

PANA IS CURRENTLY OFFERED AS A BETA PRODUCT. THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” AND USE OF THE SERVICE IS AT YOUR SOLE RISK. SEE SECTION 9 FOR ADDITIONAL DISCLAIMERS AND LIMITATIONS OF LIABILITY.

PANA IS AN AGENTIC ASSISTANT THAT, WITH YOUR PERMISSION, TAKES ACTIONS ON YOUR BEHALF, INCLUDING IN THIRD-PARTY SERVICES YOU CONNECT TO IT. THESE ACTIONS MAY BE IRREVERSIBLE OR DIFFICULT TO REVERSE, MAY HAVE FINANCIAL OR OTHER CONSEQUENCES, AND MAY NOT ALWAYS REFLECT YOUR INTENT. YOU ARE RESPONSIBLE FOR THE CONSEQUENCES OF AGENTIC ACTIONS YOU AUTHORIZE, AS DESCRIBED IN SECTION 4.

1. THE SERVICE

1.1 Description of Pana. Pana is an AI-powered personal agent (the "Agent") that runs on a dedicated computing instance we provision for you in the cloud. You interact with Pana through the web and mobile App. With your authorization, Pana can answer questions; generate content (including text, code, and documents); access third-party services and accounts you connect to it; browse and interact with websites on your behalf; and take other actions on your behalf within the scope of the permissions you grant. The features and capabilities of the Service may change over time.

1.2 Beta Status. The Service is currently offered as a beta. The Service may contain bugs, errors, defects, and inaccuracies that could cause failures, data loss, or other harm. Features may be added, modified, suspended, or removed at any time without notice. We do not guarantee any service level, availability, uptime, support response time, or backwards compatibility during beta. Your use of the Service during beta is voluntary and at your sole risk.

1.3 Eligibility. To use the Service, you must (a) be at least 18 years of age; (b) reside in the United States; and (c) have the legal capacity to enter into a binding contract with us. The Service is not directed to children under the age of 18, and we do not knowingly collect information from children under 18. By accessing or using the Service, you represent and warrant that you meet these requirements. We may, in our discretion, refuse to provide the Service to anyone for any reason. If we discover or have reason to believe that a user is under 18 years of age, we will suspend or terminate that user's Account without notice and will delete any personal information collected in connection with that Account in accordance with our Privacy Policy. If you are a parent or guardian and believe your child has created an Account or is using the Service, please contact us immediately at support@turbotime.io with sufficient information for us to locate and terminate the Account.

1.4 Your Account. To use the Service, you must register an account (“Account”). You may register using sign-in credentials from a supported third-party identity provider, such as Google. You agree to provide accurate, current, and complete information at registration and to keep that information up to date. You are responsible for maintaining the confidentiality of your Account credentials and for all activity that occurs under your Account, including any actions taken by Pana under your Account. You agree to notify us promptly at support@turbotime.io if you become aware of or suspect any unauthorized access to or use of your Account.

1.5 Your Pana Instance. As part of the Service, we provision a dedicated computing instance for you (your “Pana Instance”), which is hosted on infrastructure we obtain from a third-party hosting provider (currently Hetzner Online GmbH). Your Pana Instance is licensed to you, not sold, and remains part of the Service we operate. Your Content is generally stored on your Pana Instance. We may access your Pana Instance for limited operational purposes, including to provide and support the Service, investigate suspected violations of these Terms or applicable law, respond to legal process, and otherwise as described in our Privacy Policy. We will not access the contents of your Pana Instance for purposes outside those described above without your consent. For the avoidance of doubt, we collect and use operational telemetry, usage metrics, and de-identified or aggregated data derived from your use of the Service as described in Section 3.4 and our Privacy Policy; such collection does not constitute access to the contents of your Pana Instance.

1.6 AI Disclosure. The Service is powered by artificial intelligence. When you interact with Pana, you are interacting with an AI system, not a human. Outputs generated by the Service reflect the responses of AI models and are not statements or representations of PACO or any person. Pana may make mistakes, produce inaccurate or incomplete information, and may not always understand your intent. You are responsible for reviewing Outputs before acting on them, as described in Section 9.1.

2. SUBSCRIPTIONS, BILLING, AND CANCELLATION

2.1 Subscription Fees. Access to the Service requires a paid subscription (“Subscription”). The fees, billing frequency, included features, and other terms applicable to your Subscription (collectively, your “Subscription Terms”) will be presented to you at the time of purchase via our website, the App, an order form, or similar purchase documentation. Unless otherwise stated, all fees are in U.S. Dollars and are exclusive of applicable taxes, which you are responsible for paying.

2.2 Payment Processor. Subscription fees are billed and processed through our third-party payment processor (currently Stripe, Inc.). By providing your payment method, you authorize us and our payment processor to store your payment method and to charge it for all amounts due in connection with your Subscription. You represent and warrant that you have the legal right to use the payment method you provide.

2.3 Auto-Renewal Authorization. YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW AT THE END OF EACH BILLING PERIOD AT THE THEN-CURRENT RATE FOR YOUR SUBSCRIPTION PLAN, UNTIL YOU CANCEL. BY SUBSCRIBING, YOU AUTHORIZE US TO CHARGE YOUR PAYMENT METHOD ON A RECURRING BASIS FOR EACH RENEWAL PERIOD WITHOUT FURTHER ACTION BY YOU.

2.4 Cancellation. You may cancel your Subscription at any time through the App settings or by contacting us at support@turbotime.io. Cancellation takes effect at the end of the then-current billing period; you will continue to have access to the Service through the end of that period. The in-App cancellation flow is provided as a simple, easy mechanism that does not require you to contact us. We do not require any reason for cancellation.

2.5 Refunds. Except as expressly provided in these Terms, in your Subscription Terms, or as required by applicable law, all fees are non-refundable, and we will not provide credits, refunds, or pro-rated billing for partially used billing periods or for periods during which you do not use the Service.

2.6 Free Trials. We may from time to time offer free trial access to the Service. If you accept a free trial, your Subscription will automatically convert to a paid Subscription at the end of the trial period at the then-current rate, and your payment method will be charged accordingly, unless you cancel before the end of the trial period. Free trials are limited to one per user (and one per household, where reasonably determinable) unless we expressly state otherwise.

2.7 Price Changes. We may change Subscription pricing from time to time. Any price increase that will apply to your existing Subscription will take effect at the start of the next billing period after we provide you with reasonable advance notice (and at least the notice period required by applicable law). If you do not agree to the new pricing, you may cancel your Subscription before the new price takes effect.

2.8 Auto-Renewal Disclosure (California and Other States). If you reside in California or another state with auto-renewal disclosure requirements, the following applies and supplements (and, where inconsistent, prevails over) the other provisions of this Section 2: (a) your Subscription will continue and your payment method will be automatically charged at the then-current Subscription rate at the start of each billing period until you cancel; (b) cancellation takes effect at the end of the then-current billing period; (c) you may cancel at any time, without penalty, through the in-App cancellation mechanism, which is available without contacting us; (d) you may also cancel by emailing support@turbotime.io; and (e) we will provide any additional notices required by applicable law before any material change to your Subscription Terms or any conversion from a free trial to a paid Subscription.

3. INPUTS, OUTPUTS, AND CONTENT

3.1 Your Content. “Your Content” means any text, files, images, audio, video, code, prompts, instructions, credentials (including OAuth tokens and similar authentication artifacts), and other information that you submit to or that the Service stores, processes, or generates on your behalf, including content from Connected Accounts (as defined in Section 4) accessed by the Service. As between you and PACO, you retain all right, title, and interest in and to Your Content.

3.2 License to Operate the Service. You grant PACO a non-exclusive, royalty-free, worldwide license to access, use, host, store, transmit, process, modify, display, and create derivative works of Your Content solely as necessary to (a) provide, operate, maintain, secure, and support the Service; (b) enforce these Terms; (c) comply with applicable law, and (d) create Usage Data. This license includes the right to share Your Content with our service providers and sub-processors as necessary for the foregoing purposes and as further described in our Privacy Policy. This license terminates when Your Content is deleted from the Service, except for retained backups, anonymized or de-identified data, and copies retained as required by law.

3.3 Outputs. The Service uses artificial intelligence to generate responses, content, and other outputs based on Your Content (collectively, “Outputs”). As between you and PACO, you own the Outputs generated for you. You acknowledge that, due to the nature of generative AI, the Service may generate Outputs for other users that are similar or identical to your Outputs (for example, where the same or similar prompt is used). You do not have exclusive rights to any Output to the extent it is similar or identical to outputs generated for other users, and other users may use their similar or identical outputs without restriction by you.

3.4 No Training by Default. We do not use Your Content or Outputs to train, fine-tune, or otherwise improve the AI models we use to provide the Service, and we contractually require our LLM sub-processors not to do so with respect to data we send them on your behalf. For our primary language model providers (currently Anthropic via the Anthropic API and Amazon Bedrock), we use zero-retention API tiers under terms that prohibit those providers from training on Your Content. Certain specialized model services, including voice and image generation services, may operate under different terms that permit limited data retention by those providers for operational or safety purposes. These providers are identified in our sub-processor list at https://turbotime.io/subprocessors. Where you configure User Integrations, including open-source tools, PACO does not control or warrant the data practices of those integrations, which may not provide zero-retention guarantees. We may, from time to time, offer you the option to opt in to allow us to use Your Content or Outputs for model training, evaluation, or improvement; any such use will be subject to your express opt-in consent and the terms presented to you at the time of opt-in.

3.5 Usage Data. PACO has the right to collect, create, and retain de-identified and aggregated data derived from your use of the Service, including operational telemetry, metrics, and analytics generated from your interactions with the Service (collectively, "Usage Data"). Usage Data includes, without limitation, the number and types of API calls made by the Service, or any Agent action on your behalf; token consumption; package invocation counts and adoption statistics; model invocations; feature engagement events; error and crash reports; session metadata; and metadata about the structure, frequency, and categories of your interactions with the Service. Usage Data does not include the content of your prompts, files, communications, or any other Your Content. As between you and PACO, PACO owns all Usage Data.

PACO may use, exploit, and disclose Usage Data for any purpose, including operating, securing, improving, and developing the Service. PACO will maintain and use Usage Data in de-identified or aggregated form and will not attempt to re-identify any individual from Usage Data. PACO will implement and maintain reasonable technical and organizational measures designed to prevent Usage Data from being used to identify any individual user, and will require any third party to whom PACO discloses Usage Data to maintain the same standard.

By using the Service, you consent to PACO's collection, ownership, and use of Usage Data as described in this Section and in our Privacy Policy.

3.6 Your Representations About Your Content. By submitting Your Content to the Service, you represent and warrant that (a) you have all rights, licenses, consents, and permissions necessary to submit Your Content and to grant the rights granted in these Terms; (b) Your Content does not violate any law or regulation or infringe, misappropriate, or violate any third party’s intellectual property, privacy, publicity, or other rights; (c) Your Content does not contain malware, viruses, or other harmful code; and (d) you have the right to authorize the Service to take Agentic Actions based on Your Content as described in Section 4.

3.7 Removal. We may, but are not obligated to, remove, refuse to process, or restrict access to any of Your Content that we believe in good faith violates these Terms or applicable law, or that we reasonably determine is harmful to the Service, our users, or third parties. We are not responsible for monitoring Your Content.

4. AGENTIC ACTIONS AND CONNECTED ACCOUNTS

4.1 Agentic Actions. With your authorization, the Service can take actions on your behalf (“Agentic Actions”), including by interacting with Connected Accounts and other third-party services. Agentic Actions may include, without limitation, reading and writing emails, creating and modifying calendar events, reading and writing files, generating and executing code, browsing and interacting with websites, communicating with third parties, and, where supported, initiating or completing transactions.

4.2 Authorization. The Service performs Agentic Actions only within the scope of authority you grant. You may grant authority by (a) connecting third-party accounts via OAuth or other supported authentication mechanisms, (b) approving in-App permission requests, or (c) issuing instructions to Pana. By granting authority, you authorize the Service to act as your agent for the limited purpose of performing the Agentic Actions covered by your authorization. You may modify or revoke your authorization at any time as described in Section 4.7; revocation does not affect Agentic Actions completed before the revocation takes effect. When you grant the Service authority to perform Agentic Actions, whether by connecting a Connected Account, approving a permission request, issuing an instruction, or enabling a feature, you authorize the Service to take not only the specific actions you explicitly direct but also actions the Service reasonably infers are necessary or appropriate to carry out your instructions or the purpose for which you granted access, even if those specific actions were not explicitly contemplated by you at the time of authorization (collectively, “Authorized Actions”). You acknowledge that the scope of Authorized Actions may be broader than the specific instructions you provide.

4.3 Connected Accounts. When you connect a third-party service or account to the Service (a “Connected Account”), you grant the Service the access permissions you authorize at the time of connection. You represent and warrant that (a) you have the right and authority to authorize the access you grant, including under the terms of service and policies of the third-party service; (b) you are not granting access to any account or data belonging to another person without that person’s consent; and (c) your use of the Service in connection with the Connected Account does not violate any applicable law or third-party right.

4.4 Compliance with Third-Party Terms.

Your use of the Service in connection with any Connected Account or third-party service is also subject to the terms of service, acceptable use policies, privacy policies, and other agreements applicable to that third-party service (collectively, “Third-Party Terms”). You are solely responsible for understanding and complying with the Third-Party Terms. By using any feature of the Service that connects to or interacts with a third-party service, you represent and warrant that such use complies with the applicable Third-Party Terms. We are not responsible for, and expressly disclaim all liability arising from, any consequence of your or the Service’s interaction with a third-party service at your direction, including (i) any suspension, restriction, or termination of your third-party account; (ii) any fees, penalties, or claims imposed by the third-party provider; (iii) any violation by the Service’s actions of any Third-Party Terms; and (iv) any claim by a third party arising from actions Pana took in or with that third-party service. You agree to indemnify the PACO Parties for all claims and losses arising from your failure to comply with Third-Party Terms, as further described in Section 9.6.

You may also configure integrations with third-party tools, services, or systems of your own choosing, including open-source software and self-hosted services (“User Integrations”). PACO has no control over User Integrations and makes no representations regarding their data practices, security posture, or retention policies. User Integrations may collect, process, store, or share data, including Your Content and information from your Connected Accounts, in ways that are not subject to these Terms or our Privacy Policy. You are solely responsible for reviewing and complying with the terms and privacy policies of any User Integration you configure, and for understanding what data those integrations may collect or retain. PACO disclaims all liability for any data collected, retained, or disclosed by User Integrations. If you integrate the Service with a messaging application (including SMS, WhatsApp, iMessage, or similar services), you acknowledge that: (a) your use of the Service in connection with that messaging application may be subject to that platform’s terms of service, which may prohibit or restrict automated access; (b) messages and contact information accessible through the integration will be processed by the Service in accordance with your instructions; and (c) you are solely responsible for ensuring that your use of the Service in connection with any messaging application does not violate the rights of any third party, including the privacy rights of contacts whose information may be accessible through the integration.

4.5 Confirmation of Higher-Risk Actions. The Service may, in our discretion, require additional confirmation from you before performing certain higher-risk Agentic Actions, including actions that involve significant financial cost, that are difficult or impossible to reverse, or that have material consequences for you or third parties. The categories of actions requiring confirmation, and the manner of confirmation, are determined by us, may be implemented in-App, and may change without notice. You should not grant broad permissions for categories of actions you are not comfortable having the Service take without explicit per-action confirmation. You agree that the absence of a confirmation prompt does not indicate that an Agentic Action is low-risk or reversible.

4.6 Reversibility, Mistakes, and Risk. YOU ACKNOWLEDGE AND AGREE THAT (A) AGENTIC ACTIONS MAY BE IRREVERSIBLE OR DIFFICULT TO REVERSE, INCLUDING ACTIONS INVOLVING THE DELETION, MODIFICATION, OR OVERWRITING OF FILES, SYSTEM CONFIGURATIONS, OR DATA ON YOUR DEVICE OR IN THIRD-PARTY SERVICES, WHICH MAY RESULT IN PERMANENT LOSS OF DATA; (B) THE SERVICE USES PROBABILISTIC AI MODELS THAT CAN AND DO MAKE MISTAKES, INCLUDING MISINTERPRETING YOUR INSTRUCTIONS, ACTING ON OUTDATED OR INCOMPLETE INFORMATION, OR PRODUCING RESULTS YOU DID NOT INTEND OR EXPECT; AND (C) YOU ARE RESPONSIBLE FOR REVIEWING AGENTIC ACTIONS PERFORMED BY THE SERVICE AND FOR CONFIGURING THE PERMISSIONS YOU GRANT IN A MANNER APPROPRIATE TO YOUR RISK TOLERANCE. YOU ASSUME ALL RISK OF DATA LOSS, SYSTEM DISRUPTION, OR DAMAGE TO YOUR DEVICE OR FILES RESULTING FROM AGENTIC ACTIONS PERFORMED AT YOUR DIRECTION OR WITHIN THE SCOPE OF YOUR AUTHORIZATION. YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING ADEQUATE BACKUPS OF YOUR DATA BEFORE INSTALLING OR ENABLING THE AGENT ON YOUR DEVICE.

YOU FURTHER ACKNOWLEDGE AND AGREE THAT THE SERVICE OPERATES AUTONOMOUSLY AND MAY TAKE ACTIONS THAT WERE NOT EXPLICITLY DIRECTED BY YOU BUT THAT THE SERVICE INFERRED WERE WITHIN THE SCOPE OF YOUR AUTHORIZATION BASED ON YOUR INSTRUCTIONS, GRANTED PERMISSIONS, OR PRIOR INTERACTIONS. PACO DISCLAIMS ALL LIABILITY FOR ANY SUCH INFERRED ACTIONS TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PROVIDED THAT THE ACTION WAS WITHIN THE GENERAL SCOPE OF THE PERMISSIONS YOU GRANTED. YOU ARE RESPONSIBLE FOR CONFIGURING YOUR PERMISSIONS NARROWLY ENOUGH TO REFLECT YOUR ACTUAL RISK TOLERANCE AND FOR MONITORING THE SERVICE'S ACTIVITY REGULARLY.

You acknowledge that content in third-party services, websites, emails, files, or other materials accessed by the Agent may contain embedded instructions designed to redirect or manipulate the Agent's behavior without your knowledge ("prompt injection"). PACO implements technical safeguards designed to detect and resist prompt injection attempts, but cannot guarantee those safeguards will be effective in all cases. PACO disclaims all liability for Agentic Actions resulting from successful prompt injection attacks on content the Agent accessed at your direction. You agree to promptly notify us at support@turbotime.io if you become aware of any Agentic Action you believe resulted from a prompt injection attack.

4.7 Revocation of Authorization. You may revoke the Service’s authority to perform Agentic Actions, in whole or in part, at any time, including by disconnecting a Connected Account through the App settings, modifying permissions in the App, revoking access through the third-party provider, or terminating your Account. Revocation takes effect when processed by the relevant systems and does not affect Agentic Actions completed before that time.

4.8 Your Responsibility for Authorized Actions. You are responsible for the consequences of Agentic Actions performed within the scope of your authorization, including any costs, losses, or liabilities to you or third parties, except to the extent caused by our gross negligence or willful misconduct. You agree to monitor the Service’s activity and to promptly notify us at support@turbotime.io of any Agentic Action that you believe was unauthorized, erroneous, or otherwise problematic. You agree to take reasonable steps to mitigate any harm arising from Agentic Actions, including by promptly revoking access where appropriate.

5. DATA, PRIVACY, AND SUB-PROCESSORS

5.1 Privacy Policy. Our collection, use, disclosure, and retention of personal information in connection with the Service is described in our Privacy Policy, available at https://turbotime.io/pana-privacy and incorporated into these Terms by reference. By using the Service, you acknowledge our Privacy Policy.

5.2 Storage on Your Pana Instance. Your Content is generally stored on your Pana Instance, which is currently hosted on infrastructure located in the European Union (currently Germany). The location and other characteristics of your Pana Instance, including the underlying infrastructure provider, may change as needed to provide the Service; we will update our Privacy Policy to reflect any material change in storage location. We use commercially reasonable administrative, technical, and physical safeguards to protect your Pana Instance and Your Content. No security measures are perfect, however, and we do not guarantee that the Service or your Pana Instance will be free of unauthorized access or other security incidents.

5.3 Sub-Processors. To provide the Service, we use third-party sub-processors, including providers of large language models (currently Anthropic and OpenAI), hosting infrastructure (currently Hetzner), payment processing (currently Stripe), authentication (currently Google), and other services. A current list of our material sub-processors is available at https://turbotime.io/subprocessors and may be updated from time to time. By using the Service, you authorize us to share Your Content with our sub-processors as necessary to provide the Service, in each case subject to contractual obligations consistent with these Terms and our Privacy Policy.

5.4 Sensitive Data. The Service is not designed for, and is not authorized to be used to submit, store, or process: (a) protected health information regulated under the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”); (b) cardholder data subject to the Payment Card Industry Data Security Standard (other than payment information you provide for purposes of paying Subscription fees, which is processed by our payment processor); (c) personal information of children under the age of 13 subject to the Children’s Online Privacy Protection Act; (d) education records subject to the Family Educational Rights and Privacy Act; (e) information subject to the Gramm-Leach-Bliley Act; or (f) other categories of sensitive personal information for which we have not implemented specific safeguards. You are solely responsible for any consequences of submitting such data in violation of this Section, including any liability to third parties.

6. ACCEPTABLE USE

6.1 General. You agree to use the Service only in compliance with these Terms, our Acceptable Use Policy (if separately published), the Privacy Policy, and applicable law. You are solely responsible for your use of the Service, including all instructions you provide and all Agentic Actions you authorize.

6.2 Prohibited Uses. You may not, and may not authorize the Service or any third party to, do any of the following:

6.3 Reporting. If you become aware of any actual or suspected violation of these Terms or of any safety, security, or abuse issue relating to the Service, please contact us at support@turbotime.io.

7. INTELLECTUAL PROPERTY

7.1 Ownership of the Service. The Service, including all software, models, content, designs, look and feel, features, functionality, documentation, trademarks, logos, and other materials (excluding Your Content and Outputs), is owned by PACO or its licensors and is protected by intellectual property and other laws. We grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to use the Service in accordance with these Terms during the term of your Subscription. All rights not expressly granted are reserved. The Service’s system prompts, instruction sets, model configurations, workflow logic, and architectural designs (collectively, “Proprietary Configuration”) constitute PACO’s trade secrets and confidential information. Any attempt to access, extract, reproduce, or disclose Proprietary Configuration, whether through prompting, automated querying, reverse engineering, or any other means, constitutes misappropriation of trade secrets under the Defend Trade Secrets Act (18 U.S.C. § 1836 et seq.) and applicable state law, and may give rise to claims for injunctive relief and damages including exemplary damages. You agree not to attempt to access or extract Proprietary Configuration.

7.2 Trademarks. “Pana,” “PACO,” and our other marks, logos, and trade dress are trademarks of PACO. You may not use any of our trademarks without our prior written consent.

7.3 Feedback. If you provide us with any feedback, suggestions, ideas, comments, or other information about the Service (“Feedback”), you grant us a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, sublicensable, and transferable license to use, modify, and exploit the Feedback for any purpose, without any obligation or compensation to you.

7.4 DMCA / Copyright Infringement. We respect the intellectual property rights of others and expect users to do the same. If you believe that material on or accessible through the Service infringes your copyright, you may submit a notice to our designated DMCA agent that includes the information required by 17 U.S.C. § 512(c)(3): (a) identification of the copyrighted work; (b) identification of the allegedly infringing material and information sufficient for us to locate it; (c) your contact information; (d) a statement that you have a good-faith belief that the use is not authorized; (e) a statement, made under penalty of perjury, that the information is accurate and that you are the copyright owner or authorized to act on the owner’s behalf; and (f) your physical or electronic signature. Notices should be sent to: [DMCA Agent name and address; email]. We may, in appropriate circumstances and at our discretion, terminate the Accounts of users who repeatedly infringe.

8. THIRD-PARTY MATERIALS AND SERVICES

8.1 Third-Party Materials. The Service may include, link to, or interoperate with content, software, services, or materials owned, controlled, or operated by third parties, including open-source software and third-party AI models (“Third-Party Materials”). Third-Party Materials are provided for your convenience, and we do not endorse, warrant, or assume responsibility for any Third-Party Materials. Your use of Third-Party Materials may be subject to additional terms imposed by the relevant third party.

8.2 AI Sub-Processor Restrictions. Your use of the Service includes use of large language models and other AI services provided by third parties, including Anthropic and OpenAI. Your use of those services through the Service may be subject to license restrictions, usage policies, and content restrictions imposed by the relevant provider, including restrictions on the categories of permitted use, which are passed through to you and which we will summarize and link to in the App where feasible. We do not warrant the availability, accuracy, or behavior of any third-party AI service, and we are not liable for any failure of or change to those services.

9. DISCLAIMERS, LIMITATION OF LIABILITY, INDEMNIFICATION

9.1 AI Output Disclaimer.

OUTPUTS GENERATED BY THE SERVICE MAY BE INACCURATE, INCOMPLETE, BIASED, OFFENSIVE, OUT OF DATE, OR OTHERWISE INAPPROPRIATE FOR YOUR INTENDED USE. YOU SHOULD NOT RELY ON OUTPUTS FOR ANY DECISION OR ACTION WHERE INACCURACY COULD CAUSE FINANCIAL, LEGAL, MEDICAL, REPUTATIONAL, OR OTHER HARM. YOU SHOULD NOT TREAT OUTPUTS AS A SUBSTITUTE FOR PROFESSIONAL ADVICE OF ANY KIND, INCLUDING MEDICAL, LEGAL, FINANCIAL, INVESTMENT, TAX, ACCOUNTING, OR OTHER PROFESSIONAL ADVICE. WE DO NOT GUARANTEE THAT ANY OUTPUT IS ACCURATE, NON-INFRINGING, OR APPROPRIATE FOR YOUR USE.

9.2 General Disclaimer.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. PACO AND ITS PARENTS, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, PARTNERS, SUPPLIERS, AND LICENSORS (COLLECTIVELY, THE “PACO PARTIES”) DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. WITHOUT LIMITING THE FOREGOING, THE PACO PARTIES MAKE NO WARRANTY OR REPRESENTATION AND DISCLAIM ALL RESPONSIBILITY AND LIABILITY FOR: (A) THE COMPLETENESS, ACCURACY, AVAILABILITY, TIMELINESS, SECURITY, OR RELIABILITY OF THE SERVICE OR ANY OUTPUT; (B) ANY HARM TO YOUR DEVICE, NETWORK, OR DATA RESULTING FROM YOUR USE OF THE SERVICE; (C) THE OPERATION OF, OR INTEROPERABILITY WITH, ANY THIRD-PARTY SYSTEM OR SERVICE; (D) WHETHER THE SERVICE WILL MEET YOUR REQUIREMENTS OR BE AVAILABLE ON AN UNINTERRUPTED, SECURE, OR ERROR-FREE BASIS; (E) THE DELETION OF, OR FAILURE TO STORE OR TRANSMIT, YOUR CONTENT; (F) THE ACCURACY, APPROPRIATENESS, OR CONSEQUENCES OF ANY AGENTIC ACTION; AND (G) ANY ACTS OR OMISSIONS OF ANY THIRD PARTY OR THIRD-PARTY SERVICE.

9.3 Beta Disclaimer.

WITHOUT LIMITING SECTION 9.2, YOU ACKNOWLEDGE THAT THE SERVICE IS A BETA PRODUCT THAT MAY CONTAIN BUGS, ERRORS, AND DEFECTS, MAY BE UNAVAILABLE OR INTERRUPTED, AND MAY CHANGE MATERIALLY OR BE DISCONTINUED AT ANY TIME WITHOUT NOTICE. WE DO NOT PROVIDE ANY SERVICE LEVEL, UPTIME, OR SUPPORT COMMITMENT DURING BETA. ALL BETA-RELATED RISKS ARE BORNE BY YOU.

9.4 Jurisdiction-Specific Notices.

THE LAWS OF CERTAIN JURISDICTIONS, INCLUDING NEW JERSEY, DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE DISCLAIMERS, EXCLUSIONS, AND LIMITATIONS IN THESE TERMS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

9.5 Limitation of Liability.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE PACO PARTIES BE LIABLE TO YOU FOR ANY INDIRECT, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING DAMAGES FOR LOST PROFITS, LOST REVENUE, LOST DATA, BUSINESS INTERRUPTION, OR PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES), ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE PACO PARTIES’ AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE EXCEED THE AMOUNT YOU PAID TO PACO FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. THESE LIMITATIONS APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE. NOTHING IN THESE TERMS LIMITS OR EXCLUDES ANY LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR FRAUD OR FRAUDULENT MISREPRESENTATION.

9.6 Indemnification. You agree to defend, indemnify, and hold harmless the PACO Parties from and against any and all claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your access to or use of the Service; (b) Your Content; (c) any Agentic Action authorized by you, including any resulting data loss, file deletion, or system damage; (d) your breach of these Terms; (e) your violation of any applicable law, regulation, or third-party right (including any Third-Party Terms or the rights of any third party in any Connected Account); (f) your negligence or willful misconduct; or (g) any claim by a third-party service provider arising from the Service’s interaction with that provider at your direction. We will have the right, but not the obligation, to control the defense and settlement of any matter subject to indemnification, and you agree to cooperate fully in our defense.

10. ARBITRATION AND CLASS ACTION WAIVER

10.1 Important Notice.

PLEASE READ THIS SECTION CAREFULLY. IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS. IT CONTAINS PROCEDURES FOR MANDATORY BINDING INDIVIDUAL ARBITRATION AND A CLASS ACTION WAIVER.

10.2 Informal Resolution. Before initiating any arbitration or court proceeding, you and PACO agree to attempt to resolve any dispute, claim, or controversy (“Claim”) through good-faith informal negotiation for a period of at least thirty (30) days. To initiate informal negotiation, send written notice describing the Claim and the relief sought to support@turbotime.io (if you are initiating) or to your most recent email address on file with us (if we are initiating). Compliance with this Section 10.2 is a condition precedent to initiating arbitration. The applicable statute of limitations and any filing-fee deadlines will be tolled during the informal-resolution period.

10.3 Arbitration Agreement. Except as provided in Section 10.4, any Claim that is not resolved through informal negotiation will be resolved by final and binding arbitration administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures (the “JAMS Rules”) in effect at the time the arbitration is commenced, except as modified by this Section. The arbitration will be conducted by a single arbitrator. The seat of arbitration will be San Francisco, California; you may participate remotely. The arbitration will be conducted in English. Judgment on the arbitration award may be entered in any court of competent jurisdiction. The Federal Arbitration Act, 9 U.S.C. § 1 et seq., governs the interpretation and enforcement of this arbitration agreement. The arbitrator, and not any federal, state, or local court, has exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, except that a court of competent jurisdiction has authority to determine whether the class action waiver in Section 10.6 is enforceable. If a court finds the delegation of authority to the arbitrator under this paragraph to be unenforceable, the court shall determine the threshold question of arbitrability, and such finding shall not affect the enforceability of any other provision of this Section 10. If twenty-five (25) or more similar or coordinated Claims are filed against PACO by the same counsel or that are otherwise coordinated, those Claims will be subject to JAMS' Mass Arbitration Supplementary Rules and Procedures in addition to the JAMS Rules, and the parties agree to cooperate in good faith with JAMS to implement any bellwether, batching, or other case management procedures JAMS determines to be appropriate.

10.4 Exceptions. The following Claims are not subject to mandatory arbitration: (a) Claims within the jurisdictional limits of small-claims court, brought on an individual (and not representative) basis; (b) Claims for injunctive or equitable relief based on actual or threatened infringement, misappropriation, or violation of intellectual property rights; and (c) Claims for public injunctive relief under California Business & Professions Code Section 17200 or 17500, or any other claim for relief that cannot be waived or submitted to arbitration under applicable law; provided that any claim for individual relief, including any claim for damages or restitution, that could otherwise be pursued in arbitration remains subject to this Section 10 regardless of whether it is asserted alongside a non-waivable claim.

10.5 Costs of Arbitration. Filing, administrative, and arbitrator fees will be allocated as set forth in the JAMS Rules, except that if you demonstrate that the costs of arbitration would be prohibitive in comparison to the costs of litigation, we will pay the portion of those costs that the arbitrator determines is necessary to prevent the arbitration from being prohibitively expensive. The arbitrator may award attorneys’ fees and costs to the prevailing party to the extent permitted by applicable law.

10.6 Class Action Waiver.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AND PACO EACH AGREE TO BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, REPRESENTATIVE, MULTI-PLAINTIFF, OR CONSOLIDATED ACTION OR PROCEEDING (A “CLASS ACTION”). THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN THE CLAIMS OF MORE THAN ONE PERSON OR ENTITY AND MAY NOT PRESIDE OVER ANY CLASS ACTION. IF A COURT FINDS THAT THIS CLASS ACTION WAIVER IS UNENFORCEABLE WITH RESPECT TO ANY CLAIM, THAT CLAIM (BUT ONLY THAT CLAIM) WILL BE SEVERED FROM ARBITRATION AND BROUGHT IN A COURT OF COMPETENT JURISDICTION.

10.7 Right to Opt Out. You may opt out of the arbitration agreement and class action waiver in Sections 10.3 and 10.6 by sending written notice of your decision to opt out to support@turbotime.io or to the PACO mailing address listed in Section 12.13 within forty five (45) days of first agreeing to these Terms. Your notice must include your full name, the email address associated with your Account, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provision of these Terms.

11. TERM AND TERMINATION

11.1 Term. These Terms take effect when you first accept them and continue until terminated as provided below.

11.2 Termination by You. You may terminate these Terms at any time by canceling your Subscription and deleting your Account through the App settings or by contacting support@turbotime.io. Termination does not entitle you to a refund except as expressly provided in these Terms or required by law.

11.3 Suspension or Termination by Us. We may suspend, restrict, or terminate your access to the Service, or any portion of the Service, with or without notice, for any reason, including if (a) we reasonably believe you have breached these Terms or applicable law; (b) suspension or termination is necessary to protect the security or integrity of the Service or our users; (c) we are required to do so by law or legal process; or (d) we discontinue the Service or any portion of the Service. We will not be liable to you or any third party for any suspension or termination.

11.4 Effect of Termination. Upon termination of your Account: (a) your right to access and use the Service immediately ceases; (b) we may revoke the Service’s access to your Connected Accounts; and (c) we may delete your Pana Instance and Your Content as described in Section 11.5.

11.5 Data After Termination. We will retain your Pana Instance and Your Content for a period of thirty (30) days following termination to allow you to request an export of Your Content by written request to support@turbotime.io; we will use commercially reasonable efforts to fulfill export requests within that period. Thereafter, we may delete your Pana Instance and Your Content without further notice. We have no obligation to retain Your Content beyond the export period, and we will not be liable for any loss of Your Content following deletion.

11.6 Survival. The following Sections survive termination of these Terms: 3 (Inputs, Outputs, Usage Data, and Content), 5 (Data, Privacy, and Sub-Processors), 7 (Intellectual Property), 8 (Third-Party Materials), 9 (Disclaimers, Limitation of Liability, Indemnification), 10 (Arbitration and Class Action Waiver), 11.5 (Data After Termination), 11.6 (Survival), and 12 (General).

12. GENERAL

12.1 Updates to These Terms. We may modify these Terms from time to time. The updated Terms will be effective as of the date posted, or such later date as we may specify. If we make material changes, we will use reasonable efforts to notify you, including by email to the address associated with your Account or by prominent notice in the App. Your continued use of the Service after the updated Terms take effect constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, your sole remedy is to stop using the Service and cancel your Subscription. No modification will apply to a Claim for which arbitration has been initiated before the modification’s effective date.

12.2 Governing Law and Venue. These Terms and any Claim arising out of or relating to these Terms or the Service are governed by the laws of the State of California, without regard to its conflict-of-laws principles. Subject to Section 10, the exclusive venue for any Claim not subject to arbitration is the state and federal courts located in San Francisco County, California, and you and PACO consent to the personal jurisdiction of those courts. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

12.3 Apple App Store. If you obtained the App from the Apple App Store, the following additional terms apply (and prevail in case of conflict, but only with respect to your use of the App from the Apple App Store): (a) these Terms are between you and PACO only, and not Apple Inc. (“Apple”); (b) Apple has no obligation to furnish maintenance or support services for the App; (c) in the event the App fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the App; (d) Apple is not responsible for addressing any claims relating to the App; (e) in the event of any third-party claim that the App or your possession or use of the App infringes intellectual property rights, PACO (and not Apple) will be solely responsible for the investigation, defense, settlement, and discharge of any such claim; and (f) you and PACO acknowledge that Apple and its subsidiaries are third-party beneficiaries of these Terms with the right to enforce them against you. You must comply with the applicable Apple Media Services Terms when using the App.

12.4 Google Play Store. If you obtained the App from the Google Play Store, you acknowledge that your use of the App is also subject to the Google Play Terms of Service, which are incorporated by reference.

12.5 Electronic Communications and SMS. By creating an Account and using the Service, you consent to receive electronic communications from us, including transactional, account-related, and (where you have consented) marketing communications, by email, push notification, in-App message, SMS, or other electronic means. You may opt out of marketing communications using the unsubscribe mechanism included in those communications or through the App settings. Standard message and data rates may apply to SMS messages. Continued receipt of transactional and service-related messages may be required for your continued use of the Service.

12.6 Export Controls and Sanctions. You may not use, export, or re-export the Service, or allow the Service to access, interact with, or transmit data to, (a) any country, region, or person subject to U.S. trade sanctions or embargoes administered by the U.S. Treasury Department’s Office of Foreign Assets Control or (b) any party identified on any U.S. government restricted-party list, including the Specially Designated Nationals List, the Denied Persons List, and the Entity List. By using the Service, you represent and warrant that you are not located in any such country or region and are not on any such restricted-party list.

12.7 U.S.-Only Service. The Service is offered only to residents of the United States. You may not access or use the Service from outside the United States. We make no representation that the Service is appropriate or available for use in any location outside the United States. Anyone who accesses the Service from outside the United States does so on their own initiative and is responsible for compliance with applicable local laws.

12.8 Assignment. You may not assign or transfer these Terms, or any of your rights or obligations under these Terms, in whole or in part, without our prior written consent. We may freely assign or transfer these Terms, in whole or in part, including in connection with a merger, acquisition, reorganization, or sale of assets. Any attempted assignment in violation of this Section is void.

12.9 Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions of these Terms will continue in full force and effect.

12.10 Waiver; No Third-Party Beneficiaries. No waiver of any provision of these Terms is effective unless in writing and signed by the waiving party, and no waiver of any breach constitutes a waiver of any subsequent breach. Except as expressly provided in Section 12.3 (Apple), these Terms do not confer any rights, remedies, or benefits on any person or entity that is not a party to these Terms.

12.11 Entire Agreement. These Terms, together with our Privacy Policy, your Subscription Terms, our Acceptable Use Policy (if separately published), and any other terms expressly incorporated by reference, constitute the entire agreement between you and PACO regarding the Service and supersede all prior or contemporaneous agreements, communications, and understandings.

12.12 Injunctive Relief. You acknowledge that a breach of these Terms may cause us irreparable harm for which monetary damages would be inadequate, and that we will be entitled to seek injunctive or other equitable relief in any court of competent jurisdiction in addition to any other remedies available at law or in equity, without the need to post a bond or other security.

12.13 Contact. You may contact PACO regarding the Service or these Terms at: Turbo AI, Inc., 5432 Geary Blvd #566, San Francisco, CA 94121; email: support@turbotime.io.

12.14 California Consumer Notice. Under California Civil Code Section 1789.3, California users may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.