Our Privacy Policy and Terms and Conditions

Updated August 29, 2021

Terms and Conditions (Including Contest Rules)

I. A sports prediction marketplace

A. Designed for marketplace and informational purposes:

PanoPick’s business is creating a reliable, trustworthy, and transparent marketplace where people can buy and sell sports predictions based on the best available information. These predictions are made in the form of picks based on current real time odds for occurrences in a given sports game or event. All picks may be posted for free, and will be either displayed as freely visible or paid (available for purchase), at the discretion of the person posting a pick. Only people who have reached out to sellers@panopick.com to have their account enabled as sellers can use the option to display a pick in the marketplace for sale.

We have created a marketplace that protects buyers looking to purchase sports knowledge/predictions/picks from sellers. Our marketplace completely and fairly tracks the success of sellers in making these picks, so buyers have full and transparent information before they buy. In addition to protecting buyers, our marketplace also ensures that the most knowledgeable and best sellers can separate themselves from the pack given that we transparently track prediction results. Consequently, buyers will consistently be able to connect with honest, knowledgeable sellers in our marketplace.

Members (of the native or web apps) can use the PanoPick app for free, view free picks, or they can choose to purchase picks of sellers. Picks may be purchased on an individual basis or as part of a package. PanoPick does not endorse any particular predictions, picks, posters, or sellers, and fully encourages everyone to use all available information when viewing or purchasing picks. All references to PanoPick and PanoPicks’ apps herein include references to PanoPicks’ published or to be published apps on web, the Apple store, and the Google play store.

B. No gambling is ever permitted on the app:

PanoPick is in no way, shape or form a gambling app. No person using the app can deposit money on the app or risk anything of value ever, at any time. There is no ability to bet, wager, or risk real money or anything of value at any time on the app. All PanoPick contests are free to enter and play. Any prizes offered or given out in these contests are gratuitous, and a way of thanking customers for their loyalty in using the marketplace. Anything even remotely resembling gambling involves nothing of value at risk and is completely simulated. The unit values listed are merely a way to track members skills in predicting sports outcomes, either for the benefit of a members own record keeping, as a data point in the marketplace for others to assess someone’s skills, or to enjoy participation in one of PanoPicks free and fun contests.

C. Ensuring Marketplace integrity, transparency, and reliability

No member of PanoPick is ever, under any circumstances allowed to edit, change or delete their picks or predictions. This ensures that all members' predictions are tracked completely, transparently, and accurately, and that no member can distort their actual result in predicting sports outcomes.

  1. Tracking

Pick results are tracked in terms of units won or lost. Again, units have no real money, no cash, and no exchange value of any kind. They are merely a scoring system on PanoPicks’s apps to measure skills and reliability of predictions. Any member's results are tracked over the lifetime of their account, and all their units all time won or lost, the number of picks, and all past picks can be viewed by going to any member's profile.

A member's results cannot be reset for any reason (outside of the initial resets offered during app beta testing in August-September of 2021). This again ensures that all members' predictions are tracked completely, transparently, and accurately, and that no member can distort their actual result in predicting sports outcomes.

  1. Palpable System Errors resulting in Invalid Picks

Member picks should never be deleted. However, there are instances where a system error will cause a pick to be posted that should not have been allowed to be posted. These picks will be deemed invalid and graded as a push, meaning they will have a value of 0 units regardless of the outcome predicted in game or event.

For example, palpably incorrect odds may be listed on PanoPick for a certain outcome in an event (example a team is given a 1% chance of winning when in reality consensus odds markets have this team as having a 90% chance of winning). In this case, a member may place a prediction saying the 1% is great value and place units on that prediction. This pick, where there is a palpable error in odds, will remain up on the PanoPick site, but be automatically listed as a push and have a value of 0 units. Moreover, these invalid picks will not count towards package satisfaction for package sellers.

Another main example of an invalid pick is one placed on an event that has already completed. For example, a NFL game may be already completed, with team A defeating Team B 24-17. Because of a system error in this example, odds are still listed for the game. If, in this case, a member posts a pick, whether it’s on Team A or Team B, the pick will be marked a push. The same goes for a game that is in progress where the progress has materially shifted the odds and incorrect or stale odds are listed because of an incorrect event time. Currently, there are no live odds on PanoPick, so games odds should no longer appear after the event commences.

II. Marketplace Buying and Selling

Picks can be sold individually or as a part of packages.

A. Individual Picks:

Picks can be sold in the pick marketplace individually. All picks available listed individually in the picks marketplace or on a seller's profile are available to view fully for $1.99 (both the prediction itself and the comments about the prediction) . However, if a buyer wants to buy more than 2 picks individually in a week from a particular seller, that buyer must purchase a package from a seller. That is to say, in a rolling 7 day window, no buyer can take advantage of the offer to access more than 2 individual picks from a particular buyer individually.

B. Packages:

Picks can also be sold as part of a package. In order to sell a package, a seller must specify the leagues they will focus on in the package, the total number of picks in the package, the average cost per pick, the total cost of the package, the name of the package, and a package description. By providing all this information, a buyer is able to fully understand what they would be getting in purchasing a package.

  1. Satisfying a package

In order to satisfy a package, a seller must provide the total number of paid (for sale) picks listed to each buyer at the time of purchase within the leagues listed (paid picks from other leagues do not count towards package satisfaction). For example, a buyer may buy a 10 pick NFL package initially when all 0 picks have been given out. Each time a seller posts a paid (for sale) NFL pick to the marketplace, 1 pick will be satisfied. By the time the seller has posted 10 paid NFL picks to the marketplace, the seller has satisfied the obligation to the buyers. Seller’s are highly encouraged to provide comments and reasoning behind their predictions with each paid pick, but are ultimately only obligated to provide the pick itself.

A buyer may also purchase a package when the seller has already provided picks in the package (for example, seller has provided 2 picks in the above package and buyer purchases the package with 8 picks remaining). In this case, the seller's obligation does not change, as they are still obligated to provide 8 more picks to the original buyers and the new buyers.

Whether the seller's predictions come to pass or not will not affect if a pick counts as satisfying the pick requirement in a package. And sellers will not have to provide less picks in the package if initial predictions come to pass. Sellers will have satisfied the package as long as they give out the total number of paid picks in the correct leagues in good faith. i.e they are honest and genuine predictions by the seller, not designed to manipulate, confuse, a buyer or alter any markets etc.) Sellers cannot give out incompatible picks (i.e. predictions of contrary outcomes). For example, sellers cannot give out a pick that Team A and Team B will both win the same game. However, sellers are allowed to say a team is overvalued/undervalued based on current odds, and then with a shift in odds, declare that the value on the original pick is no longer there or even on another side with a substantial and material shift in odds.

Invalid Picks (explained above, where there is a palpable error in odds or event time), will not count towards satisfaction of the total pick requirement in a package.

  1. Package editing and deletion

Sellers cannot delete packages for any reason once there is a buyer of the package. Sellers can however delete packages if there are no buyers of a package, but they cannot delete individual paid picks they posted for sale. No member of PanoPick is ever, any circumstances allowed to edit, change or delete their picks or predictions.

C. Buyer Protection

The beauty of buying picks in the PanoPick marketplace is the buyer not only has transparent and tracked information about who they are buying from, but the buyer is also protected. Seller must satisfy the pick requirements as listed above, or buyer will receive a refund. The refund will be prorated if seller has partially satisfied a package, or buyer will receive a full refund if seller has satisfied no picks in the package.

Buyer will also receive a refund if a pick is provided in bad faith or if a pick is deemed invalid.

C. Seller protection, payment, and PanoPick commission, and being enabled as a seller

Weekly payment

Sellers will be paid for all their sales of their individual picks and fully satisfied packages once a week (every Monday, excluding holidays, in which case they will be paid Tuesday). Sellers will be able to track how individual picks and how many of a particular package have been sold when they have satisfied all the total number of picks in a package (according to the requirements listed above). Up and until this time, sellers will not receive their funds for selling packages.

Commissions on sales

On pick’s sold in the Apple version of our app, Apple takes 30% commission (although we are applying to get that reduced to 15%). On pick’s sold on the Google play version of our app, Google takes 30% commission (although we are applying to get that reduced to 15%). On picks sold on the web version of our app, Stripe takes a commission of 3%. PanoPick takes a commission of 15% on every individual pick or package sold, regardless of where that pick or package is sold. By selling any picks in the PanoPick marketplace, the seller agrees to these commissions. PanoPick reserves the right to update this commission percentage at any time with notice to the seller.

  1. Freedom to sell picks elsewhere

Sellers are free to sell picks elsewhere. However, they may not abuse the PanoPick system and use the PanoPick app to encourage buyers to buy their picks listed on PanoPick elsewhere.

4.. Being enabled as a seller:

In order to be able to sell picks, a person must be enabled as a seller. To do so, they must reach out to sellers@panopick.com and return the PanoPick seller’s signed sellers agreement.

III. PanoPick Rewards and Tier Levels

PanoPick rewards are a way to give back our loyal members who are active in the marketplace. Rewards tiers are divided into the five levels: Rookie, Starter, Captain, MVP, and Hall of Famer. Panopick members can advance tier levels by earning Pano rewards points through marketplace purchases. The primary purpose of these rewards levels is to give members discounts in the PanoPick marketplace. At its sole discretion, PanoPick may also send special offers to members based on their reward level, including but not limited to the invitations to participate in free contests and win prizes. These invites can be sent out to members whether they attained a membership level prior to or after the contests being announced. However, these contests will be equally open to all, including members of lower tiers and non members, as they will have alternative methods of entry to the contest besides the invitation extended to members. And attaining a particular rank in membership doesn’t guarantee access to any contests whatsoever. These tier level statuses are granted on a weekly or two week basis, and lapse after those periods.

These statuses must be established if they lapse. Any rewards tiers are a result of money spent to purchase sports predictions in our app, and rewards points have no real money, cash, or exchange value. They only serve as a way of tracking tier status.

A. Reward points:

Earning Points -For every dollar spent in the PanoPick Marketplace, a person earns 5 Pano Points.

Rookie Status -New members are automatically granted rookie status upon joining the site.

Starter Status -By earning 10 points, a person earns stater status for the next 7 days in which those points were earned. With this status, a person receives a 1% discount on purchased picks or packages.

Captain -By earning 100 points, a person earns captain status for the next 7 days in which those points are earned. With this status, a person receives a 2% discount on purchased picks or packages.

MVP -By earning 500 points, a person earns MVP status for the next 7 days in which those points have been earned. With this status, a person receives a 5% discount on purchased picks or packages.

Hall of Fame - By earning 2500 points, a person earns Hall of Fame status for the next 14 days in which those points have been earned. With this status, a person receives a 10% discount on purchased picks or packages.

IV. PanoPick Contests Overview

At PanoPick’s sole discretion, PanoPick can invite our loyal members to enter a particular skill-based sports prediction contest at any time to thank them for their loyalty based on their tier status. However, PanoPick is under no obligation to provide these contests whatsoever and can choose to discontinue them or not to run them for any reason as these contest require no consideration to enter and are gratuitous, promotional, and part of PanoPicks efforts to promote the marketplace, which is the core of PanoPick’s business. All contests are and always will be free to play in, and all non members and members of lower tier status will always have an alternative means of entry into every contest. PanoPick may publicize these contests by any means (on social media, in the apps, by email, etc), but is not required to do so. These contests will have prizes for winners, including but not limited to pick discounts, free picks, and cash rewards. At no time can a person gain an advantage over another in a particular contest by spending more in the marketplace. These contests will always be skills based, as participants will have to depend on their skill in sports knowledge and analysis to have a realistic chance of winning.

V. PanoPick Contests Official Rules

By entering any free, skill-based, sports prediction contest, you agree to these official rules, so please read them carefully before entering. Without limitation, your agreement includes indemnities for you and a limitation of your rights and remedies.

Other specific rules for contests may be listed on PanoPicks apps contest page, and those are equally binding, although ultimately the rules listed here in this official rules section will govern in the case of any rules conflicts.

A. Sponsor - The sponsor of the Contests is PanoPick, a division of ThoughtFull Enterprises, Inc, located at (contact support@panopick.com for ThoughtFull Enterprises P.O. Box) (hereinafter in these rules “Sponsor”). B No purchase necessary - There is no purchase necessary to enter any of Sponsor’s contests. As stated above, at no time can a person gain an advantage over another in a particular contest by spending more in the marketplace. Purchases in our marketplace will not improve your chance of winning a contest. While all our contests honor the loyalty of a certain membership tier and serve to advertise the benefit of certain rewards, these contests are equally open to anyone regardless of if they are a member or non member of any of Sponsor’s apps (native apps or web app).

C. Void where prohibited - There may be American states, or countries around the world where one of our contests or all of our contests are not permitted to run. Our contests are void in these areas where they are prohibited, and anyone attempting to participate in our contests from one of these areas will not be allowed to do so and disqualified.

D. Start/End Dates - Contests’ beginning and end dates will be identified in Sponsor’s web app’s contest page, and that will be the official record for the dates of each contest. Sponsor may run concurrent contests, and those dates of the concurrent contests will be specified.

E Eligibility Excepting those in areas mentioned above where contest is prohibited and thus void, this contest is open to anyone who has attained the age of (18) years of age as of the date the contest starts. Anyone under this age is ineligible to win listed prizes and will be disqualified from doing so, so no one under this age should enter. Employees of the Sponsor, and their respective parents, subsidiaries, divisions, affiliates, suppliers, distributors and advertising, promotional and judging agencies, including the administrator of this Contest if any, and the immediate family members (spouses, parents, children and siblings and their spouses) and household members of each (whether related or not), are not eligible to participate or win. F. Limitation of Liability; Disclaimer of Warranties. By participating, entrants and winners agree to release and hold harmless, Sponsor, and their respective advertising and promotion agencies and their respective, subsidiaries, affiliates, partners, representatives, agents, successors, assigns, employees, officers and directors (collectively, “Released Entities”), from any and all liability, for loss, harm, damage, injury, cost or expense whatsoever including without limitation. In no event will the released entities be responsible or liable for any damages or losses of any kind, including direct, indirect, incidental, consequential, or punitive damages arising out of your access to and use of the service/the contest in any form. Without limiting the foregoing, this contest and all prizes are provided “as is” without warranty of any kind, either express or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Some jurisdictions may not allow the limitations or exclusions of liability for incidental or consequential damages or exclusion of liability for incidental or consequential damages or exclusion of implied warranties so some of the above limitations or exclusions may not apply to you. Check your local laws for any restrictions regarding these limitations and exclusions. G. Force Majeure Event. In the event an insufficient number of eligible entries are received and/or Sponsor is prevented from awarding prizes or continuing with the contest as contemplated herein by any event beyond their control, including but not limited to fire, flood, natural or man-made epidemic of health of other means, earthquake, explosion, labor dispute or strike, act of God or public enemy, satellite or equipment failure, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared) or any federal state or local government law, order, or regulation, public health crisis, order of any court or jurisdiction, or other cause not reasonably within Sponsor’s control then subject to any governmental approval which may be required, Sponsor shall have the right to modify, suspend, or terminate the contest. If the contest is terminated before the designated end date, Sponsor will (if possible) provide a skill-based sports prediction way for any participants who submitted eligible, non-suspect entries received as of the date of the event giving rise to the termination, to participate in a future contest of equal or greater value. Inclusion in such a contest shall be each entrant’s sole and exclusive remedy under such circumstances. Only the type and quantity of prizes described in these Official Rules will be awarded. H. Additional Conditions. Sponsor reserves the right, in its sole discretion, to cancel, terminate, modify, extend or suspend this contest should (in its sole discretion) virus, bugs, non-authorized human intervention, fraud or other causes beyond its control corrupt or affect the administration, security, fairness or proper conduct of the contest. In such a case, Sponsor will provide a skill-based sports prediction way for any participants who submitted eligible, non-suspect entries received as of the date of the event giving rise to the termination, to participate in a future contest of equal or greater value. Sponsor reserves the right, at its sole discretion, to disqualify any individual it finds, in its sole discretion, to be tampering with the entry process or the operation of the contest or website. Sponsor may prohibit an entrant from participating in the contest or winning a prize if, in its sole discretion, it determines that said entrant is attempting to undermine the legitimate operation of the contest by cheating, hacking, deception, or other unfair playing practices (including the use of automated quick entry programs) or intending to annoy, abuse, threaten or harass any other entrants or Sponsor representatives. Participation in contest and acceptance of prize constitutes each winner’s permission for Sponsor to use his/her name, likeness, and/or any statements made by each winner regarding the contest or Sponsor for advertising and promotional purposes without notice or additional compensation, except where prohibited by law. I. Severability. The invalidity or unenforceability of any provision of these rules shall not affect the validity or enforceability of any other provision. In the event that any provision is determined to be invalid or otherwise unenforceable or illegal, these rules shall otherwise remain in effect and shall be construed in accordance with their terms as if the invalid or illegal provision were not contained herein. J. Disputes; Governing Law. The parties waive all rights to trial in any action or proceeding instituted in connection with these Official Rules, including, without limitation, the contest. Any controversy or claim arising out of or relating to these Official Rules and/or the contest shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in the State of New York, City of New York. In case of dispute as to the identity of any entrant, entry will be declared made by the authorized account holder of the email address or social media account submitted at time of entry. “Authorized Account Holder” is defined as the natural person who is assigned an email address by an Internet access provider, online service provider, or other organization (e.g., business, educational, institution, etc.) responsible for assigning email addresses or the domain associated with the submitted email address. Any potential winner may be requested to provide Sponsor with proof that such winner is the authorized account holder of the email address associated with the winning entry. Any other attempted form of entry is prohibited; no automatic, programmed; robotic or similar means of entry are permitted. Sponsor, its affiliates, partners and promotion and advertising agencies are not responsible for technical, hardware, software, telephone or other communications malfunctions, errors or failures of any kind, lost or unavailable network connections, website, Internet, or ISP availability, unauthorized human intervention, traffic congestion, incomplete or inaccurate capture of entry information (regardless of cause) or failed, incomplete, garbled, jumbled or delayed computer transmissions which may limit one’s ability to enter the contest, including any injury or damage to participant’s or any other person’s computer relating to or resulting from participating in this contest or downloading any materials in this contest. These official rules and the interpretation of its terms shall be governed and construed in accordance with the laws of the state of New York, without regard to its conflicts of law rules. For any matters which are not subject to arbitration as set forth in these Official Rules and/or in connection with the entering of any judgment on an arbitration award in connection with these Official Rules and/or the contest, the parties irrevocably submit and consent to the exclusive jurisdiction and venue of the state and federal courts located in or closest to the County of New York in the State of New York. The parties agree not to raise the defense of forum non conveniens. By entering the contest, an entrant also agrees not to bring any class action lawsuit against Sponsor. Class Action Waiver - The paries waive any right to assert any claims against the other party as a representative of or member in any class or representative action, except where such waiver is prohibited by law or deemed by a court of law to be against public policy. To the extent either party is permitted by law or by a court of law to proceed with a class or represetative action against the other, the parties agree that: (a) the prevailing party shall not be entitled to recover attorney’s fees or costs associated with pursuing such action (notwithstanding any other provision in this agreement), and (b) the party who initiates or participates as a member of a class will not submit a claim or otherwise participate in any recovery secured through such action.

K. Use of Data. Any personal data Sponsor collects online will be done in accordance with its privacy policy. Please review the Sponsor’s privacy policy at https://panodime.com/privacy. By participating in the contest, entrants hereby agree to Sponsor’s any collection and usage of their personal information as listed in these rules and this policy, and acknowledge that they have read and accepted Sponsor’s privacy policy. L. How to Enter. There are multiple ways to enter, and there is no purchase necessary to enter the contest. Each person will be limited to 1 entry for each contest and purchases to not improve someone’s chances of winning a contest. All entries become the sole and exclusive property of the Sponsor.

  1. Invitation to members - each contest will be given in part to honor our members of a certain status in the marketplace. For example, we may hold a “Captain Member Contest.” In this case, everyone who has achieved Captain tier status or above (which includes MVP and HOF Status in this case), will receive an invitation for 1 entry into the contest. Any member will receive an invitation who holds the appropriate member status when the contest is announced, as will any member who attains the appropriate status anytime up until the morning of the contest (prior to 11:59am EST). Of course, no member is obligated to enter these free contests, but these invitations cannot be transferred and will be counted as automatically accepted unless declined.
  2. Open entry giveaway invitations - for each contest, Sponsor will send a number of invitations to enter to people who join the giveaway email list named for the contest. For example, if it is a “Captain Member Contest,” there will be an email list on Sponsor’s free apps (both native apps and website/webapp) that says “Captain Member Contest Giveaway Email List.” Any person, with no purchase necessary, can add their name to this email list (this email must be the same email they used to register for their PanoPick’s account), and the number of invitations extended to people on this email list will give members and nonmembers alike a chance to win. Invitations will be sent out by email initially the day before the contest begins, to give invitees ample time to join. A second batch of invitations will be sent out at 11:59am on the day of the contest to account for any last member invitations extended. Of course, no person is obligated to enter these free contests even after receiving an invitation, but these invitations cannot be transferred and will be counted as automatically accepted unless declined.
  3. Receive an invitation after entering by mail. Anyone can receive free entry to one of our contests by sending a postcard or piece of white paper (Invitation Request Card) to us. This card/paper must measure 4” X 6”, be unfolded, blank, and unlined, and placed inside a stamped #10 envelope address in handwriting to the following address: (contact support@panopick.com for ThoughtFull Enterprises P.O. Box) -Participants must: a. handwrite their return address on the front of the envelope and the words: “Contest invitation”; and b. handwrite all of the following on only one side of the Request Card inserted inside the envelope: i. their full name as shown on their government issued identification; ii. the email address registered to their PanoPick account (or if they have no account
    registered, the username they would like to use for their account); iii. the return residential address registered to their PanoPick account (or the address they would like to register if they don’t yet have an account); and iv. the following statement: “I wish to participate in the current promotional contest PanoPick is offering (as long as the contest hasn’t already started), or the next contest PanoPick runs, and to receive 1 free invitation for that contest. By submitting this request, I hereby declare that I have read, understood and agree to be bound by PanoPick’s Terms and Conditions and all other policies, including the official contest rules.” -There is a limit of one Invitation Request Card per outer envelope. For each Invitation Request Card a person submits in accordance with the above requirements, the person will receive 1 entry in the current promotional contest PanoPick is offering (as long as the contest hasn’t already started), or 1 entry into the next contest PanoPick runs. The invitation will be sent over email to the email address the person has provided, or if person does not have an email, they will be given an opportunity to enter by phone as outlined below. Of course, no person is obligated to enter these free contests even after receiving an invitation, but these invitations cannot be transferred and will be counted as automatically accepted unless declined. NOTE: A person must ensure that their handwriting is legible. If the person’s handwriting is not legible, the entry will be void and the invitation will not be extended to the person’s email address. The legibility of a Participant’s handwriting will be determined by Sponsor in its sole discretion. Requests made by any other individual or any entity (including but not limited to commercial contest subscription notification and/or entering services) will be declared invalid and an invitation will not be credited to the person’s account. Any person attempting to submit multiple requests by this ame method under the accounts of multiple individuals or multiple accounts of their own will be disqualified from the contest. Tampering with the entry process or the operation of the contest, including but not limited to the use of any device to unfairly automate the entry process, is prohibited and any requests/entries deemed by Sponsor in its sole discretion, to have been submitted in this manner will be void. In the event a dispute regarding the identity of the individual who actually submitted a request or whether a request satisfies the requirements set out above cannot be resolved to Sponsor satisfaction, the affected request/entry will be deemed void. -A person is also able to enter their picks by phone when they enter by mail. When a person submits an invitation by mail, they are able to write their desired username. In choosing this option, PanoPick will give them a phone number hotline to call to input picks. This hotline will be open Monday-Friday 11am-7pm, Saturday 12pm-3pm, and Sunday 12pm-3pm (all times EST). This way, any person, even someone without internet access, can enter the contest. When a person calls the hotline to input picks, a PanoPick representative will document and input the picks as soon as possible. M. How to Play: During the Contest Period, provided you have not declined the official invitation you received by email, you are in the contest. This means any picks you post to the native apps or web apps under your account (which must be the account you entered the contest with, and you must not have entered under invitations to multiple accounts), will automatically be counted and graded for contest purposes as long as those picks are for events and games that fall in the contest period. Grading means marking the prediction as a win or a loss, and calculating the units a person gained or losses based on the odds associated with a pick. The contest winners are determined by rank/position on the leaderboard, which is determined by order of net units gained on games or events that occurred during the contest period. The winner will be the person who gains the most net units with their sport predictions for games or events that occur during the contest period. The official contest leaderboards can always be found at panopick.com/contests. Given that PanoPick contests can be played on our native apps or our web applications, and based on the feedback of our customers, and in order to ensure there is no confusion and only 1 leaderboard of record for our free contests, contest leaderboards will only be available to view at panopick.com/contests O. Prizes. Prizes will be awarded only if the potential prize winner fully complies with these Official Rules. All portions of the prize are non-assignable and non-transferable. Actual prizes for the contest are the ones clearly offered in the official rules for the contest listed on PanoPick’s web app at panopick.com/contest. Prizes pictured in any advertising and other contest materials can be for illustrative purposes only. All details and other restrictions of the prize not specified in these Official Rules will be determined by Sponsor in its sole discretion. No cash alternative or substitution of the prize will be allowed if prizes are not cash prizes, except Sponsor reserves the right in its sole discretion to substitute a prize of comparable value if any price listed is unavailable, in whole or in part, for any reason. All federal, state and local taxes are the sole responsibility of the winners. Delivery of prizes requires members providing a valid payment address. P. Winner Selection. Winners will be based on the contest leaderboard for that particular contest. Prizes will be awarded by rank on the leaderboard, and Sponsor will work to make clear which ranks will receive prizes in a given contest. Odds of winning depends on the skills of members in the contest, the number of members in the contest, and the outcomes of the sports events and games Sponsor lists during the contest period. In the event of a tie between any participants for any leaderboard prize levels, PanoPick will extend the competition for another day for tied participants. The day extensions will continue until one of the tied participants gains more units than another in the extra day of competition. If no participant gains more units than the other within 3 extra day extensions, then those two participants will be deemed to have tied, and will split the value of the prize.
    Q. Notification. Winners will be notified via the PanoPick apps, social media, email, or other means. If any winner cannot be contacted within five 5 calendar days of first notification attempt, if any prize or prize notification is returned as undeliverable, if any winner rejects his/her prize or in the event of noncompliance with these contest rules and requirements, such prize will be forfeited and an alternate winner will be selected from all remaining eligible entries. Upon prize forfeiture, no compensation will be given. Limit one prize per person or household in a given contest. R. Winners List To obtain a copy of any legally-required winners list, send a self-addressed stamped envelope to: “contest Winners List”, to (contact support@panopick.com for ThoughtFull Enterprises P.O. Box). Vermont residents may omit return postage.

Privacy Policy

Pano (a part of ThoughtFull Enterprises, Inc., which owns the apps PanoStream and PanoPick) values your privacy. This Privacy Policy ("Policy") will help you understand how we collect and use personal information from those who visit our website or make use of our online facilities and services, and what we will and will not do with the information we collect. Our Policy has been designed and created to ensure those affiliated with Pano of our commitment and realization of our obligation not only to meet, but to exceed, most existing privacy standards.

We reserve the right to make changes to this Policy at any given time. If you want to make sure that you are up to date with any changes, we advise you to visit this page. If at any point in time Pano decides to make use of any personally identifiable information on file, in a manner vastly different from that which was stated when this information was initially collected, the user or users shall be promptly notified by email. Users at that time shall have the option as to whether to permit the use of their information in this separate manner.

This Policy applies to Pano, and it governs any and all data collection and usage by us. Through the use of the PanoStream or PanoPick apps, www.panodime.com, www.panopick.com or www.panobet(s).com, you are therefore consenting to the data collection procedures expressed in this Policy.

Please note that this Policy does not govern the collection and use of information by companies that Pano does not control, nor by individuals not employed or managed by us. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the site with information. It is highly recommended and suggested that you review the privacy policies and statements of any website you choose to use or frequent to better understand the way in which websites garner, make use of and share the information collected.

Specifically, this Policy will inform you of the following

  1. What personally identifiable information is collected from you through our apps and websites;
  2. Why we collect personally identifiable information and the legal basis for such collection;
  3. How we use the collected information and with whom it may be shared;
  4. What choices are available to you regarding the use of your data; and
  5. The security procedures in place to protect the misuse of your information.

Information We Collect

It is always up to you whether to disclose personally identifiable information to us, although if you elect not to do so, we reserve the right not to register you as a user or provide you with any products or services. This website collects various types of information, such as: · Voluntarily provided information which may include your name and email address · Information automatically collected when visiting our website, which may include cookies, third party tracking technologies and server logs. In addition, we do not collect this now, but in the future Pano may have the occasion to collect anonymous, non-personal demographic information in order to provide more targeted services to you that you may be interested in, and of course we will not sell or disclose this information to anyone without your permission and without further notice. (examples of such information include age, gender, household income, political affiliation, race and religion, as well as the type of browser you are using, IP address, or type of operating system).

Pano may also deem it necessary, from time to time, to follow websites that our users may frequent to gleam what types of services and products may be the most popular to customers or the general public.

Please rest assured that this site will only collect personal information that you knowingly and willingly provide to us by way of surveys, completed membership forms, and emails. It is the intent of this site to use personal information only for the purpose for which it was requested, and any additional uses specifically provided for on this Policy.

Why We Collect Information and For How Long

We are collecting your data for several reasons: -To better understand your needs and provide you with the services you have requested; -To fulfill our legitimate interest in improving our services and products; -To send you emails containing information we think you may like when we have your consent to do so; -To customize our app and website according to your online behavior and personal preferences. The data we collect from you will be stored for no longer than necessary. The length of time we retain said information will be determined based upon the following criteria: the length of time your personal information remains relevant; the length of time it is reasonable to keep records to demonstrate that we have fulfilled our duties and obligations; any limitation periods within which claims might be made; any retention periods prescribed by law or recommended by regulators, professional bodies or associations; the type of contract we have with you, the existence of your consent, and our legitimate interest in keeping such information as stated in this Policy.

Use of Information Collected

Pano does not now, nor will it in the future, sell, rent or lease any of its customer lists and/or names to any third parties. Pano may collect and may make use of personal information to assist in the operation of our website and to ensure delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible products and/or services that may be available to you from our family of apps and websites.

Pano may also be in contact with you with regards to completing surveys and/or research questionnaires related to your opinion of current or potential future services that may be offered.

Disclosure of Information

Pano may not use or disclose the information provided by you except under the following circumstances: · as necessary to provide services or products you have ordered; · in other ways described in this Policy or to which you have otherwise consented; · in the aggregate with other information in such a way so that your identity cannot reasonably be determined; · as required by law, or in response to a subpoena or search warrant; · to outside auditors who have agreed to keep the information confidential; · as necessary to enforce the Terms of Service; · as necessary to maintain, safeguard and preserve all the rights and property of Pano.

Non-Marketing Purposes

Panod greatly respects your privacy. We do maintain and reserve the right to contact you if needed for non-marketing purposes (such as bug alerts, security breaches, account issues, and/or changes in Pano products and services). In certain circumstances, we may use our website, newspapers, or other public means to post a notice.

Children under the age of 13

Pano's apps and websites are not directed to, and do not knowingly collect personal identifiable information from, children under the age of thirteen (13). If it is determined that such information has been inadvertently collected on anyone under the age of thirteen (13), we shall immediately take the necessary steps to ensure that such information is deleted from our system's database, or in the alternative, that verifiable parental consent is obtained for the use and storage of such information. Anyone under the age of thirteen (13) must seek and obtain parent or guardian permission to use this our products.

Unsubscribe or Opt-Out

All users and visitors to our website have the option to discontinue receiving communications from us by way of email or newsletters. To discontinue or unsubscribe from our website please send an email that you wish to unsubscribe to content@panodime.com. If you wish to unsubscribe or opt-out from any third-party websites, you must go to that specific website to unsubscribe or opt-out. Pano will continue to adhere to this Policy with respect to any personal information previously collected.

Links to Other Websites

Our website will contain links to affiliate and other websites. Pano does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other such websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of every website that collects personally identifiable information. This Privacy Policy Agreement applies only and solely to the information collected by our website.

Notice to European Union Users

Pano operations are located primarily in the United States. If you provide information to us, the information will be transferred out of the European Union (EU) and sent to the United States. (The adequacy decision on the EU-US Privacy became operational on August 1, 2016. This framework protects the fundamental rights of anyone in the EU whose personal data is transferred to the United States for commercial purposes. It allows the free transfer of data to companies that are certified in the US under the Privacy Shield.) By providing personal information to us, you are consenting to its storage and use as described in this Policy.

Your Rights as a Data Subject

Under the regulations of the General Data Protection Regulation ("GDPR") of the EU you have certain rights as a Data Subject. These rights are as follows:

The right to be informed: this means we must inform you of how we intend to use your personal data and we do this through the terms of this Policy. The right of access: this means you have the right to request access to the data we hold about you and we must respond to those requests within one month. You can do this by sending an email to content@panodime.com.

The right to rectification: this means that if you believe some of the date, we hold is incorrect, you have the right to have it corrected. You can do this by logging into your account with us, or by sending us an email with your request. The right to erasure: this means you can request that the information we hold be deleted, and we will comply unless we have a compelling reason not to, in which case you will be informed of same. You can do this by sending an email to content@panodime.com.

The right to restrict processing: this means you can change your communication preferences or opt-out of certain communications. You can do this by sending an email to content@panodime.com.

The right of data portability: this means you can obtain and use the data we hold for your own purposes without explanation. If you wish to request a copy of your information, contact us at content@panodime.com.

The right to object: this means you can file a formal objection with us regarding our use of your information with regard to third parties, or its processing where our legal basis is our legitimate interest in it. To do this, please send an email to content@panodime.com.

In addition to the rights above, please rest assured that we will always aim to encrypt and anonymize your personal information whenever possible. We also have protocols in place in the unlikely event that we suffer a data breach and we will contact you if your personal information is ever at risk. For more details regarding our security protections see the section below or visit our website at www.panodime.com.


Pano takes precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (e.g. email address), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for "https" at the beginning of the address of the webpage. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, customer service) are granted access to personally identifiable information. The computers and servers in which we store personally identifiable information are kept in a secure environment. This is all done to prevent any loss, misuse, unauthorized access, disclosure or modification of the user's personal information under our control. The company also uses Secure Socket Layer (SSL) for authentication and private communications to build users' trust and confidence in the internet and website use by providing simple and secure access and communication of credit card and personal information.

Acceptance of Terms

By using this website, you are hereby accepting the terms and conditions stipulated within the Privacy Policy Agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our website following the posting of any updates or changes to our terms and conditions shall mean that you agree and acceptance of such changes.

How to Contact Us

If you have any questions or concerns regarding the Privacy Policy Agreement related to our website, please feel free to contact us at the following email, telephone number or mailing address.

Email: content@panodime.com

Mailing Address: Panodime 3500 S DuPont Hwy Dover, Delaware 19901

The data controller responsible for your personal information for the purposes of GDPR compliance is:

Brian Wood content@panodime.com

GDPR Disclosure:

If you answered "yes" to the question Does your website comply with the General Data Protection Regulation

("GDPR")? then the Privacy Policy above includes language that is meant to account for such compliance. Nevertheless, in order to be fully compliant with GDPR regulations your company must fulfill other requirements such as: (i) doing an assessment of data processing activities to improve security; (ii) have a data processing agreement with any third party vendors; (iii) appoint a data protection officer for the company to monitor GDPR compliance; (iv) designate a representative based in the EU under certain circumstances; and (v) have a protocol in place to handle a potential data breach. For more details on how to make sure your company is fully compliant with GDPR, please visit the official website at https://gdpr.eu. FormSwift and its subsidiaries are in no way responsible for determining whether or not your company is in fact compliant with GDPR and takes no responsibility for the use you make of this Privacy Policy or for any potential liability your company may face in relation to any GDPR compliance issues.

COPPA Compliance Disclosure:

This Privacy Policy presumes that your website is not directed at children under the age of 13 and does not knowingly collect personal identifiable information from them or allow others to do the same through your site. If this is not true for your website or online service and you do collect such information (or allow others to do so), please be aware that you must be compliant with all COPPA regulations and guidelines in order to avoid violations which could lead to law enforcement actions, including civil penalties.

In order to be fully compliant with COPPA your website or online service must fulfill other requirements such as: (i) posting a privacy policy which describes not only your practices, but also the practices of any others collecting personal information on your site or service — for example, plug-ins or ad networks; (ii) include a prominent link to your privacy policy anywhere you collect personal information from children; (iii) include a description of parental rights (e.g. that you won't require a child to disclose more information than is reasonably necessary, that they can review their child's personal information, direct you to delete it, and refuse to allow any further collection or use of the child's information, and the procedures to exercise their rights); (iv) give parents "direct notice" of your information practices before collecting information from their children; and (v) obtain the parents' "verifiable consent" before collecting, using or disclosing personal information from a child. For more information on the definition of these terms and how to make sure your website or online service is fully compliant with COPPA please visit https://www.ftc.gov/tips-advice/business- center/guidance/childrens-online-privacy-protection-rule-six-step-compliance. FormSwift and its subsidiaries are in no way responsible for determining whether or not your company is in fact compliant with COPPA and takes no responsibility for the use you make of this Privacy Policy or for any potential liability your company may face in relation to any COPPA compliance issues.

How to delete your data with Panodime or on any of the Pano family of apps:

We take your data and privacy very seriously. If you would like us to delete any of the basic data we store (such as your email and the name associated with your account), please email support@panopick.com and we can of course take care of that for you.

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