1. About these terms
These terms govern your use of panoperty.com (the “website”). The website is operated by Govalgo Limited ( GOVALGO LIMITED, Company No. 667502, VAT No. 3716719WH, registered in Ireland) (“we”, “us”). By using the website you accept these terms. They do not govern use of the Panoperty application, which is provided under separate client agreements.
2. Information only
The website provides general information about Panoperty and related regulatory topics. It is not legal, regulatory, financial, investment, credit or valuation advice, and it does not create a client relationship. You should obtain professional advice before acting on any information on the website.
Nothing on the website is a valuation, an automated valuation, a statement of the value of any property, or an assurance that any institution's processes comply with any law or regulation, including Regulation (EU) No 575/2013.
3. Demonstration data
Queues, asset records and evidence examples shown on the website are synthetic demonstration records. They do not relate to any real property, borrower, loan or lender.
4. Accuracy
We take care to keep the website accurate and to reference primary sources for regulatory material. Legislation and guidance change, and the website may not reflect the latest position. We do not warrant that the website is complete, accurate or current. Please refer to the primary sources we link to.
5. Intellectual property
The website, its content, design and the Panoperty name and logo are owned by or licensed to Govalgo Limited. You may view and print pages for your own internal, non-commercial reference. You may not otherwise copy, reproduce or distribute website content without our written permission. Legislative texts quoted on the website remain subject to their own terms.
6. Acceptable use
You must not misuse the website, including by attempting to gain unauthorised access, introducing malicious code, scraping it at a volume that impairs its operation, or submitting portfolio, loan-level or borrower data through its forms.
7. Third-party links and services
The website links to third-party websites, including regulatory sources, and uses third-party services such as the enquiry form. We are not responsible for their content, availability or practices.
8. Liability
To the extent permitted by law, we exclude all liability for any loss or damage arising from use of, or reliance on, the website, including indirect or consequential loss and loss of profit, data or opportunity. Nothing in these terms excludes or limits liability that cannot be excluded or limited under applicable law.
9. Privacy
Our use of personal data is described in our privacy notice.
10. Changes
We may update these terms. The version published on the website at the time you use it applies.
11. Governing law
These terms are governed by the laws of Ireland, and the courts of Ireland have exclusive jurisdiction over any dispute arising from them.
12. Contact
GOVALGO LIMITED (Company No. 667502), Registered in Ireland. Business address: Church Street, Athlone, Co. Westmeath, N37 NY77. You can also contact us using the enquiry form.