Terms of Service

1. About These Terms

These Terms of Service ("Terms") form a legal agreement between you and Solforeyx ("we", "us", "our"), the owner and operator of Panda Card ("the App", "the Service"). They govern your access to and use of the App available at pandacard.solforeyx.com, including any associated apps, websites, and services.

2. Eligibility

To use Panda Card, you must:

• Create a real account with accurate information (not a fake or impersonated identity)
• Have the legal capacity to enter into a binding contract in your country
• Not be banned or previously removed from Panda Card
• Comply with all applicable laws in your country, including tax and financial regulations

3. Your Account

3.1 One Account Per Person

You may only hold one account. Creating multiple accounts to exploit rewards, referrals, or trading is strictly prohibited and will result in permanent bans and forfeiture of balances.

3.2 Account Security

You are responsible for:

• Keeping your password and PIN confidential
• All activity that occurs under your account
• Notifying us immediately at hello@solforeyx.com if you suspect unauthorized access

3.3 Account Information

Your full name, username, country, and date of birth cannot be changed after account creation. If you enter incorrect details, contact support. Changing your phone or address is allowed in Settings.

4. Two Balances Explained

4.1 Deposit Balance

• Money you deposit into Panda Card
• Used to purchase cards from the Marketplace and buy Panda Coins
• Cannot be withdrawn
• Cannot be transferred to Earnings Balance

4.2 Earnings Balance

• Earned from card sales, mining rewards, and approved earning activities
• Can be withdrawn to your registered bank account
• Cannot be used to purchase cards
• Cannot be transferred to Deposit Balance

4.3 Deposits and Withdrawals

• Minimum deposit: ₦20,000 (or equivalent in your currency)
• Minimum withdrawal: ₦20,000 (or ₦5,000 with a bonus card)
• Withdrawal fee: 15% of the withdrawal amount
• Processing time: Withdrawals require manual admin approval and are typically processed within 48 hours
• All deposits and withdrawals go through our licensed payment partners (Paystack, Flutterwave)

5. Card Trading and Marketplace

5.1 Marketplace Purchases

• Each card can be purchased from the Marketplace only once by each user
• If you sell a card, you cannot re-buy it from the Marketplace — only from the Trade section
• Marketplace purchases charge a Coin fee based on the card's status

5.2 User-to-User Trading

• You set your own listing price, subject to the card's ceiling price
• Listing requires a Coin fee (20 PC per listing)
• Sold listings transfer the card to the buyer and the sale amount to your Earnings Balance
• Listings can be cancelled within 30 days of creation
• After 30 days, listings are subject to a 2.5% daily decay until sold or fully decayed
• Repeatedly cancelling listings reduces your maximum sellable price

5.3 Prohibited Trading Conduct

• Wash trading (buying and selling to yourself or an account you control)
• Coordinated price manipulation
• Using bots or automated scripts
• Exploiting bugs or glitches

6. Mining

• Mining requires 3 eligible cards per session, 2 sessions per day
• Cards used in mining are permanently consumed
• Mining reward is 70% of the sum of the cards' purchase prices, credited to your Earnings Balance
• Only cards originally acquired from the Marketplace are eligible for mining
• Cards from other users via Trade cannot be mined

7. Daily Combo and Diamond Points

• Each day, you receive an assigned card you must acquire to complete the Daily Combo
• Completing a Daily Combo awards Diamond Points (DP)
• DP is required for withdrawals (600 DP per ₦20,000 withdrawn)
• DP is consumed on withdrawal
• A 5-day streak awards a bonus of 40 DP

8. Referral Program

• You earn Coins when someone you refer makes their first deposit and first withdrawal
• Reward amounts scale with your stage (10 to 45 PC per event)
• Referral farming (creating fake accounts) is prohibited
• Every 10 referrals awards 1 Bonus Card

9. Inactivity, Decay, and Account Deletion

9.1 Dormancy

• If your account shows no activity for 60 consecutive days, we begin a decay process
• Every 10 days after day 60, 10% of your current Deposit and Earnings balances is deducted
• Any transaction (deposit, withdrawal, trade, mining, daily reward) resets the 60-day timer
• When both balances reach 0, the account enters a 30-day deletion countdown

9.2 Deletion

• Accounts reaching 0 balance and 30 days of inactivity are permanently deleted
• Deleted accounts cannot be recovered after 30 days
• Financial records (transactions) may be retained for up to 7 years for legal compliance

9.3 Voluntary Deletion

You may request deletion at any time. All balances, cards, listings, and history are forfeited to the platform. You have a 30-day recovery window. After 30 days, everything is permanently deleted.

10. Panda Coins

• Panda Coins (PC) are an in-app utility currency — not real money, not withdrawable
• Earned from referrals, daily rewards, and card purchases
• Used for listing fees and VIP card requirements
• Can be purchased with Deposit Balance
• Coins are forfeited on account deletion

11. Prohibited Conduct

You agree not to:

• Violate any law or regulation
• Infringe intellectual property rights
• Create multiple accounts or use another person's identity
• Try to hack, reverse-engineer, or exploit the app
• Manipulate the demand or price engine
• Harass other users
• Attempt to steal funds or circumvent security measures
• Use automated tools, bots, or scrapers
• Engage in money laundering or terrorism financing

12. Suspension and Termination

We may suspend or terminate your account immediately and without notice if you:

• Violate these Terms
• Engage in fraud, manipulation, or abuse
• Fail identity or anti-money-laundering checks
• Are required to be suspended by law enforcement or regulatory order

If we terminate your account for cause, any balances may be forfeited and may be reported to relevant authorities.

13. Disclaimers

• Card prices are dynamic and can decrease
• Mining rewards are not guaranteed
• Diamond Points are required but do not guarantee withdrawal approval
• Withdrawals are subject to admin review and may be refused if we suspect fraud
• The App is provided "as is" without warranties of any kind

14. Limitation of Liability

To the maximum extent permitted by Nigerian law:

• We are not liable for any indirect, incidental, special, or consequential damages
• We are not liable for lost profits, lost data, or business interruption
• Our total liability for any claim arising from these Terms will not exceed the total amount you deposited in the 90 days before the claim
• We are not liable for third-party failures (payment providers, internet outages, cyber attacks)

15. Indemnification

You agree to indemnify Solforeyx against any losses, damages, or expenses arising from:

• Your violation of these Terms
• Your violation of any law
• Your infringement of any third-party rights
• Any fraud or misrepresentation by you

16. Governing Law and Disputes

These Terms are governed by the laws of the Federal Republic of Nigeria. Any dispute will first be attempted to be resolved informally by emailing hello@solforeyx.com. If not resolved within 60 days, disputes will be settled in the courts of Lagos State, Nigeria.

17. Changes to These Terms

We may update these Terms from time to time. When we do, we will notify you in-app and update the date at the top. Continued use of the App after changes constitutes acceptance. If you do not agree to updated Terms, you must stop using the App and may request account deletion.

18. Contact

• Email: hello@solforeyx.com
• Subject: "Terms Question"

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