Terms, Conditions, Privacy Policy, & Disclaimers
Terms and Conditions
1. Introduction
Welcome to PanAtlantic Global Holdings. These Terms and Conditions (“Agreement”) govern your use of our services and outline your rights and obligations. By continuing to use our Services, you agree to comply with the terms of this Agreement.
1.1. Agreement Overview
When you use our Services, you agree to all the terms and conditions in this contract, as well as the Privacy Policy, which covers how we collect, use, share, and store your personal information.
1.2. Ownership Transition
OmniBay Global Data Services, LLC is ceasing operations and transferring all its assets, systems, and data to PanAtlantic Global Holdings. PanAtlantic will now manage all services provided by OmniBay Global, including your account and personal data. If you do not agree to the terms under the new ownership, you may terminate this Agreement by closing your account and no longer accessing or using the Services.
By continuing to use the Services, you agree to the transfer of your data and account management to PanAtlantic Global Holdings.
1.3. Scope of Services
PanAtlantic Global Holdings provides video-based sales training, back-office support, and lead generation services to life insurance agents (“Team Members”). These Services are offered through various subscription levels and may include, but are not limited to, training, access to leads, and other business development resources.
We reserve the right to modify, suspend, or discontinue any services at any time without notice.
2. Account Obligations
2.1. Account Confidentiality
You are responsible for maintaining the confidentiality of your account login information. You agree not to share your account with others and will be responsible for any actions taken under your account unless you have notified us of unauthorized access.
2.2. Payment Terms
By subscribing to our Services, you agree to pay the fees for the selected subscription level. Subscription fees are due on a recurring basis (monthly or annually) as specified at the time of purchase. Failure to pay may result in termination of your account.
If your payment fails, we may charge your stored payment method or suspend your account until the outstanding balance is cleared.
2.3. No Refund Policy
All payments made are non-refundable, except as required by law. You may cancel your subscription at any time, but cancellation does not absolve you of any unpaid charges.
3. Intellectual Property
3.1. Use of Content
PanAtlantic Global Holdings retains all intellectual property rights to the content and materials provided through the Services, including but not limited to training materials, videos, and software. Your subscription grants you a limited, revocable, non-exclusive right to access and use the Services for the duration of your subscription.
You agree not to share, distribute, or reproduce any content from the Services without our explicit written consent.
3.2. Data Ownership and Transfer
As part of the ownership transition from OmniBay Global to PanAtlantic Global Holdings, all systems, assets, and data, including personal information, are being transferred to PanAtlantic. We reserve the right to further transfer, assign, or share your personal data with our affiliates or third-party service providers for business purposes, as outlined in our Privacy Policy.
4. Disclaimer and Limitation of Liability
4.1. No Warranty
We provide our Services “as is” without any express or implied warranties. While we strive to provide high-quality Services, we do not guarantee uninterrupted, error-free use or absolute accuracy in the content provided.
4.2. Limitation of Liability
To the fullest extent permitted by law, PanAtlantic Global Holdings will not be liable for any indirect, incidental, or punitive damages arising from your use of our Services. Our total liability for any claims arising out of or related to this Agreement will not exceed the amount you paid for Services in the 12 months preceding the claim.
5. Indemnification of Imalico Insurance Agency
You agree to fully indemnify, defend, and hold harmless Imalico Insurance Agency, its members, shareholders, staff, and owners from any claims, liabilities, losses, or damages arising from your use of our Services. Imalico Insurance Agency is solely a service provider to PanAtlantic Global Holdings, facilitating order fulfillment and related business services.
6. Termination
Both you and PanAtlantic Global Holdings may terminate this Agreement at any time by providing written notice to the other party. Upon termination, your right to access and use the Services will cease, but any outstanding fees or obligations will remain enforceable.
The following sections will survive termination: Sections 3 (Intellectual Property), 4 (Disclaimer and Limitation of Liability), and 6 (Governing Law and Dispute Resolution).
7. Governing Law and Dispute Resolution
This Agreement is governed by the laws of the island of Nevis, without regard to its conflict of laws principles. Any disputes arising under this Agreement will be resolved through binding arbitration in accordance with the arbitration rules of Nevis.
You waive any right to participate in class actions, and arbitration will be conducted on an individual basis only.
8. Notices and Communication
All notices and communications must be sent to the following address:
PanAtlantic Global Holdings
3911 Concord Pike #8030 SMB#51689
Wilmington, Delaware 19803
You agree that we may communicate with you via email or through our website using the contact information you provide.
For support or any inquiries, contact us at [email protected].
Privacy Policy
1. Introduction
PanAtlantic Global Holdings respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and share your personal data in compliance with global privacy regulations, including GDPR, CCPA, and other applicable data protection laws.
2. Information We Collect
We collect personal information directly from you when you interact with our Services, such as when you create an account, purchase a subscription, or contact us for support. This may include:
- Name
- Email address
- Phone number
- Payment information
- Insurance license information
- Usage data (cookies, IP address, etc.)
3. How We Use Your Information
We use your personal information to:
- Provide you with access to the Services
- Process payments
- Improve the quality of the Services
- Communicate with you about your account and any updates to the Services
- Comply with legal obligations
We also use cookies and other tracking technologies to analyze your use of the website and personalize your experience.
4. Data Transfer and Ownership Change
As OmniBay Global Data Services, LLC ceases operations, all personal information is being transferred to PanAtlantic Global Holdings. This transfer includes all systems and assets related to the Services. Your personal information will be subject to the same privacy standards and protections under PanAtlantic’s ownership.
In the event of any further corporate restructuring or sale, your data may be transferred to a third party. You will be notified in advance of any such transfer and provided with the option to opt out if you do not wish your data to be transferred.
5. How We Share Your Information
We may share your personal information with:
- Affiliates and Subsidiaries: For internal business purposes and service continuity.
- Service Providers: To help us provide and improve the Services, including payment processors, hosting providers, and customer support tools.
- Legal Obligations: If required by law, we may share your information to comply with legal requests or protect our rights.
6. Your Rights
You have the right to:
- Access the personal data we hold about you.
- Request corrections to inaccurate data.
- Request deletion of your personal information, subject to legal or contractual obligations.
- Opt out of marketing communications.
- Withdraw your consent to data processing at any time.
To exercise any of these rights, please contact us at [email protected].
7. Data Security
We implement industry-standard security measures to protect your data, including encryption and secure storage systems. However, no security system is foolproof, and we cannot guarantee absolute security.
8. Data Retention
We will retain your personal data for as long as necessary to provide the Services and fulfill any legal obligations. Once your account is closed, we will delete or anonymize your data unless retention is required by law.
9. Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. If there are any material changes, we will notify you via email or through our website.
10. Contact Information
If you have any questions about this Privacy Policy or our data practices, please contact us at:
PanAtlantic Global Holdings
3911 Concord Pike #8030 SMB#51689
Wilmington, Delaware 19803
Email: [email protected]