Who we are, and who you are

Pancho ("we", "us", "the platform") runs this platform and every app on it. These terms are a binding agreement between Pancho and everyone who holds an account. If you use the platform, you accept them. If you earn as an affiliate, the Affiliate Agreement is part of these terms too.

One account, every app

One free account opens every app on the platform. Every app is Pancho's: built, hosted, run and supported by us, or by an app partner we appoint to run it with us. Whichever app you use, you are dealing with Pancho, and Pancho is the seller on your card statement. Your account, your plans and your billing are one relationship, between you and Pancho.

Three kinds of app

A free app is open to anyone with an account, at no charge.

An app included in All Access opens with the All Access plan. Some of these also have a free tier or a trial you can use before you subscribe.

A revenue-share app is free to open. When it takes a payment for you, the percentage shown for that app on the Apps page is charged on that payment. These charges are added up and billed on the 1st of each month, from your balance first and then your saved card.

All Access

All Access is one plan that opens every app included in it, monthly or yearly, at the price shown when you buy. Plans run on calendar months and renew on the 1st: your first payment covers the days left in the current month, and after that you pay the full price on the 1st. A yearly plan pays for twelve months at once.

If you subscribed to an app before All Access existed, your plan keeps its price and its renewal date.

Prices and changes

Pancho sets all prices and may change any price, plan, feature or app at any time. Where a change affects what you already pay, we will tell you on the platform or by email before your next renewal, and your continued use after that is acceptance. Otherwise the price you subscribed at is held for as long as you stay on your plan.

Your currency

Your account pays in one currency, US dollars or Nigerian naira, set when you sign up and kept for good. Dollar payments are taken by Stripe and naira payments by Paystack. We never convert between them.

Payment, renewals and suspension

Plans renew automatically and are charged to your balance first when you have one, then to your saved card. If a renewal cannot be collected, access is paused on the day it was due: your work and data stay safe, and access returns by itself the moment payment is made. Nothing is deleted by a suspension. A revenue-share bill that stays unpaid pauses only the app it belongs to, in the same way.

Coupons

A coupon gives exactly what it says, whether a discount, a set price, a free period or an app for life, for the app or plan it names and nothing else. One coupon per purchase, and a coupon has no cash value. When a free period ends, the app locks again unless the coupon says it carries on as a paid plan and you have a card saved. We may withdraw a coupon, and take back what it gave, where it was obtained or used against its terms.

Storage

Your account has one storage allowance, shared by every app you use. Its size depends on your plan and any extra space you add. When it is full, new uploads stop until you free space or add more. Files are never deleted for being over.

App partners

Some apps are run with a partner we appoint, the app's manager. An app manager can see the accounts of that app's users, answer their support messages and help with their setup inside the app. They cannot change your plan, your billing or your access, and money for an app is always taken by Pancho.

Your account

You must be able to enter into a contract to hold an account. Keep your sign-in details to yourself and tell us straight away if you believe someone else has them. You are responsible for what happens under your account until you do.

Refunds

Refunds are issued at Pancho's discretion. See the Refund Policy. Chargebacks filed instead of contacting support may lead to account closure.

Cancelling and what happens after

You can cancel any plan yourself, at any time, from your billing page. It stays active until the end of the period you paid for and then stops, with nothing more charged, and until then you can change your mind. Cancelled accounts keep their files for one hundred and eighty days, after which they are archived and removed. You can export your data at any time from your account page.

Termination by us

Pancho may suspend, restrict or terminate any account at any time, at its sole discretion, including for breach of these terms, non-payment, unlawful or abusive conduct, or conduct we judge inconsistent with what the platform stands for. Where we reasonably can, we will say why. Money already properly paid out to an affiliate is theirs; anything not yet earned or cleared at termination is forfeited.

What you may not do

No unlawful content or use, no deceptive marketing, no spam, no abuse of other users or of the platform, no reselling of platform access, and nothing that breaks the rules of our payment and infrastructure providers. The Acceptable Use Policy is part of these terms.

Intellectual property

The platform, its apps, software, designs, templates and documentation are Pancho's property or its licensors'. You get a licence to use them through your account for as long as it stands, and nothing more. What you create with the apps, your content and your uploads, remains yours; you give us the licence needed to host and serve it.

The service is provided as is

We work hard to keep the platform fast and available, but it is provided "as is" and "as available", with no uptime guarantee and no warranty of any kind to the fullest extent the law allows.

Liability

To the fullest extent the law allows, Pancho is not liable for indirect or consequential losses: lost profits, lost data beyond our retained backups, business interruption. Where liability cannot be excluded, it is capped at the amount you paid Pancho in the twelve months before the claim arose.

Indemnity

You will indemnify Pancho against claims arising from your content, your conduct, or your breach of these terms.

Changes to these terms

We may update these terms. When a change matters, we tell you on the platform before it takes effect. Continued use after a change means you accept it. The version number and date at the top of this page are the record.

Governing law

These terms are governed by the laws of the State of Georgia, United States, and disputes belong to the courts there, unless the law of your home country gives you rights that cannot be waived. If any clause is found unenforceable, the rest stand.