TERMS AND CONDITIONS OF USE

WELCOME TO PANATLANTIC GLOBAL HOLDINGS

By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions, including any policies incorporated by reference. If you do not agree with these terms, you should not use this website.

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KEY DEFINITIONS

PANATLANTIC refers to PanAtlantic Global Holdings, a Nevis-based company, including all its subsidiaries, affiliates, officers, directors, employees, agents, members, investors, executives, and shareholders. USER refers to any person or entity that accesses or uses this website, including those submitting leads or seeking to purchase life insurance. PRODUCTS AND SERVICES refers to all offerings provided by PanAtlantic, including but not limited to life insurance, leads, online courses, and support services. TRANSACTION refers to any interaction, purchase, or exchange of services or products facilitated by PanAtlantic. For purposes of this agreement, a 'transaction' includes any exchange of services, products, or personal data. By submitting your information, you acknowledge that this may constitute a transaction in which your personal data is shared with third-party licensed life insurance agents. DISPUTE RESOLUTION refers to the exclusive process for resolving any disputes as outlined herein, under the jurisdiction of Nevis.

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GENERAL DISCLAIMER AND LIMITATION OF LIABILITY

PanAtlantic makes no representations or warranties, either express or implied, regarding the completeness, accuracy, or reliability of the content on this website. All services are provided "as is" and "as available" without any guarantees of any kind. To the fullest extent permissible under law, PanAtlantic, its officers, employees, agents, members, investors, executives, and shareholders shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to loss of profits, revenue, or data, whether arising in contract, tort, or otherwise, even if PanAtlantic has been advised of the possibility of such damages. The total liability of PanAtlantic for any claim arising out of or relating to this Agreement shall not exceed the total amount you have paid to PanAtlantic for the specific service giving rise to the claim.

Additional Clause:

PanAtlantic shall not be held liable for any legal violations or damages, including but not limited to regulatory fines or penalties, that arise from the misuse of leads, personal information, or other data by third-party agents or clients who purchase such leads from PanAtlantic. All third parties purchasing leads are solely responsible for ensuring compliance with applicable federal, state, and international privacy laws, including but not limited to TCPA, CCPA, and GDPR.

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INDEMNITY AND HOLD HARMLESS

You agree to indemnify, defend, and hold harmless PanAtlantic, its subsidiaries, affiliates, members, investors, executives, and shareholders from and against any and all claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your breach of this Agreement, your violation of any law or the rights of a third party, or your use of the services provided by PanAtlantic. PanAtlantic reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate fully with PanAtlantic in asserting any available defenses. This indemnity shall survive the termination of this Agreement and your use of the website.

Additional Clause for Third-Party Lead Buyers:

Any third party purchasing leads from PanAtlantic agrees to indemnify, defend, and hold PanAtlantic harmless from any claims, lawsuits, regulatory actions, or penalties that arise from the buyer’s use, handling, or storage of leads, including but not limited to claims arising under the Telephone Consumer Protection Act (TCPA), the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and any other applicable privacy law. This indemnification shall survive the termination of any contractual relationship between PanAtlantic and the lead buyer.

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NO AGENCY RELATIONSHIP

Nothing in this Agreement creates any agency, partnership, joint venture, or employment relationship between you and PanAtlantic. You acknowledge that PanAtlantic has no fiduciary duty to you and no responsibility to act on your behalf in any capacity unless explicitly agreed to in writing.

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GOVERNING LAW AND JURISDICTION

This Agreement shall be governed exclusively by the laws of Nevis. You irrevocably agree that all disputes arising out of or in connection with this Agreement shall be resolved exclusively in the courts of Nevis. You further agree that you will not bring any action, suit, or proceeding against PanAtlantic in any other jurisdiction. You expressly waive any objections based on the forum being inconvenient or inappropriate (forum non conveniens).

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WAIVER OF CLASS ACTIONS, JURY TRIAL, AND EXPANSIVE RELEASE

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You hereby waive your right to participate in any class action or collective lawsuit against PanAtlantic, its affiliates, vendors, employees, current or past members, managers, shareholders, investors, executives, and Malcolm M.J. Harris, for any matter related to the fulfillment of these services or any other related or unrelated claims. Additionally, you waive any right to a jury trial in any legal proceeding. By agreeing to these terms and conditions, utilizing our services, and/or submitting any information on our websites, you hereby fully and irrevocably release PanAtlantic, its affiliates, vendors, employees, current or past members, managers, shareholders, investors, executives, and Malcolm M.J. Harris from any and all claims, whether related or unrelated, known or unknown, arising from or in connection with your use of our services. This release is intended to cover any and all claims, disputes, or issues that may arise, regardless of their nature.

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AUTOMATIC RE-RELEASE OF CLAIMS

By agreeing to these terms and conditions, you acknowledge and agree that, unless you notify PanAtlantic Global Holdings in writing within thirty (30) days prior to the 90-day anniversary of your acceptance of these terms or the start of your use of our services (whichever comes first), you automatically and irrevocably re-release PanAtlantic Global Holdings, its past and present shareholders, employees, vendors, affiliates, subsidiaries, and Malcolm M.J. Harris, as well as Imalico Insurance Agency LLC, from any and all claims, disputes, complaints, or causes of action of any kind, whether known or unknown, arising from or related to your use of our services or your relationship with the company. This re-release shall reset every 90 days thereafter, unless you provide written notice to the contrary within thirty (30) days prior to each subsequent 90-day reset date.

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DISPUTE RESOLUTION AND ARBITRATION

Any dispute, controversy, or claim arising out of or relating to this Agreement, including disputes with third-party agents, lead buyers, or affiliates of PanAtlantic, shall be resolved through binding arbitration under the Arbitration and Mediation Act of Nevis. This arbitration agreement extends to all users, buyers of leads, agents, affiliates, and vendors interacting with PanAtlantic’s services. All disputes will be conducted on an individual basis and not in a class, consolidated, or representative action, and all parties expressly waive their right to participate in any class action or collective lawsuit. The arbitration shall take place in Nevis, and the language of the arbitration shall be English. The prevailing party in any arbitration shall be entitled to recover its reasonable attorneys' fees and costs, including the costs of the arbitration, from the non-prevailing party.

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ENHANCED PRIVACY AND DATA SECURITY (GDPR, CCPA, AND TCPA COMPLIANCE)

PanAtlantic reserves the right to monitor, collect, and store data related to your use of this website. By using this site, you consent to the collection and use of this data for purposes related to the operation of PanAtlantic's business. PanAtlantic is not liable for any breach of data security that results from unauthorized access to your information, except where such breach is directly caused by PanAtlantic's gross negligence or willful misconduct. PanAtlantic is committed to complying with the General Data Protection Regulation (GDPR), the Telephone Consumer Protection Act (TCPA), and the California Consumer Privacy Act (CCPA). By submitting your information on this website, you acknowledge that you have read and understood our Privacy Policy and agree to the collection, storage, and use of your personal data in accordance with these regulations. If you are a California resident, you have the right to request information about how your data is being used, to request the deletion of your data, or to opt-out of having your data sold. If you wish to exercise these rights, please contact us at

[email protected]

.

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OPT-IN AND OPT-OUT PROCEDURES (FOR TCPA, GDPR, AND CCPA)

By submitting your information on this website, you consent to receive phone calls, text messages, and emails from licensed life insurance agents, including auto-dialed or prerecorded calls. You understand that these communications may come from PanAtlantic or third-party agents. To opt-out of text communications, reply 'STOP' to any text message you receive. To opt-out of emails, click the 'UNSUBSCRIBE' link at the bottom of any email. You may also opt out of all communications by visiting our opt-out page at

https://imalilife.com/optout

. Please allow up to 48 hours for opt-out requests to be processed.

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ASSIGNMENT OF RIGHTS

PanAtlantic reserves the right to assign its role in this Agreement to any party at any time without prior notice or the need for sign-off from the signer of this Agreement. The protections and obligations under this Agreement shall extend fully to any such assignees.

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REFUND POLICY AND LIMITATION OF RECOURSE

All lead purchases are final, and PanAtlantic does not offer refunds under any circumstances. In the event of a dispute regarding the quality or performance of leads, PanAtlantic, at its sole discretion, may offer a store credit or replacement leads. No other remedies will be provided. By purchasing leads, you acknowledge and accept this policy as a condition of sale.

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NON-CIRCUMVENTION AND NON-SOLICITATION CLAUSE

All users, agents, and buyers of leads agree not to circumvent PanAtlantic by directly contacting or soliciting leads, prospects, or other business entities obtained through PanAtlantic’s services for their own benefit or for the benefit of any third party. Any breach of this non-circumvention clause will result in immediate termination of services and may subject the breaching party to legal action, including but not limited to claims for liquidated damages.

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DATA SECURITY RESPONSIBILITY CLAUSE

All third-party buyers of leads and agents agree to implement and maintain reasonable security measures, including encryption, access control, and security protocols, to protect personal information obtained from PanAtlantic. PanAtlantic is not responsible for any data breaches, losses, or damages that result from a third party’s failure to protect personal information in compliance with applicable law. Any breach of this clause will result in immediate termination of services and may subject the buyer to legal action by PanAtlantic.

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FUTURE PROOFING CLAUSE

PanAtlantic reserves the right to update these terms and conditions at any time to reflect changes in applicable law, including but not limited to the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), the Telephone Consumer Protection Act (TCPA), and any future legislation or regulatory requirements. Continued use of our services following the implementation of updated terms constitutes your acceptance of the changes.

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FORCE MAJEURE

PanAtlantic shall not be liable for any delay or failure to perform any obligation under this Agreement where the delay or failure results from any cause beyond PanAtlantic’s reasonable control, including, without limitation, acts of God, acts of civil or military authorities, acts of war, riots, embargoes, labor strikes, or other acts or causes of like nature.

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CONFIDENTIALITY AND NON-DISPARAGEMENT

You agree to keep all aspects of your relationship with PanAtlantic confidential. This includes, but is not limited to, the terms of this Agreement, business practices, and any proprietary information. Breach of this confidentiality provision will result in substantial penalties. You agree not to make any negative statements or communications, whether oral or written, about PanAtlantic, its subsidiaries, members, investors, executives, or shareholders. Any breach of this non-disparagement clause will result in stipulated damages.

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TERMINATION OF AGREEMENT

PanAtlantic reserves the right, in its sole discretion, to terminate your access to the website and any related services or any portion thereof at any time, without notice, if it believes that you have violated these terms or applicable law. Upon termination, all rights granted to you under this Agreement will cease immediately. However, termination will not affect the rights and obligations of the parties that arose prior to the effective date of termination, including the surviving provisions specified in the

Survival

section of this Agreement.

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CONSENT TO TERMS, INDEMNIFICATION, AND CONTACT ACKNOWLEDGMENT

By submitting any information on this website or using this website, you agree to the terms and conditions of this website in its entirety and the terms and conditions of PanAtlantic Global Holdings. You acknowledge that PanAtlantic may use third-party companies, such as Imalico Insurance Agency LLC, a Delaware company, to fulfill some of our services. You agree to fully indemnify and hold harmless PanAtlantic, Imalico Insurance Agency LLC, and any other vendors used in the fulfillment of our services, as well as PanAtlantic’s employees, managers, shareholders, investors, executives, and members from any legal claims or liabilities that may arise in connection with these services.

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CONTACT INFORMATION

For any questions regarding these terms, please contact us at

[email protected]

.