Terms of service.

01The short version

• Panenka AI is an assistant, not a bookmaker. We do not set odds or accept bets ourselves. The actual bets live on your bookmaker account (currently SportyBet and Bet9ja, depending on your market). A bookmaker top-up is a separate transfer that you must explicitly confirm.
• You must be 18 or older and physically located in one of our supported markets — currently Nigeria, Ghana, Kenya, Tanzania, Zambia, and South Africa — to use the service.
• When you connect a bookmaker account, you authorise us to log in and place bets on your behalf, exactly as you described to us. We do nothing else with your account.
• You are responsible for your bets. The stake, the selections, and the outcomes are yours. We do not guarantee wins, profits, or specific odds.
• Panenka AI may be unavailable sometimes. Bookmakers go down, networks fail, software has bugs. We do our best; we cannot guarantee 100% uptime.
• Disputes about a specific bet, a payout, or a bookmaker account go to the bookmaker first. We will help where we reasonably can.
• Either of us can end this agreement. You can stop using Panenka AI any time. We can suspend or close your access if you misuse the service.

02Who this agreement is between

These terms are between you ("you", "the user") and Panenka AI Technologies Ltd, a company registered in Nigeria with its registered office in Lagos ("Panenka AI", "we", "us", "our"). When we say "the service" we mean the Panenka AI WhatsApp bot, the website at usepanenka.com, and any related products we run from time to time.

By using the service you confirm you have read these terms, you understand them, and you accept them. If you do not accept them, do not use the service.

03What Panenka AI is (and isn't)

Panenka AI is a software assistant that runs inside WhatsApp. You can ask it to research a price, read or reshape a slip, work with a booking code, fund a connected bookmaker account, or place a confirmed bet. It then returns the grounded result or receipt.

Concretely:

• We are a software intermediary. We are not a bookmaker, betting exchange, casino, or financial adviser.
• Bookmaker funding requires a separate confirmation. We show the bookmaker, verified account holder, and exact amount before providing a transfer account. The transfer is tracked until the selected bookmaker wallet is credited, refunded, or escalated.
• We do not set bookmaker odds or prices. Those come from the bookmakers. If the price moves between your instruction and placement, the bookmaker's price at the moment of placement is the price shown on the final result.
• Punter reads are probabilistic, not promises. An independent probability or value assessment can be wrong, and every recommended or user-selected bet can lose.
• We do not run lotteries, casinos, or any of our own gaming products. Panenka AI is access infrastructure on top of licensed bookmakers in the markets we serve.

We are operated under the laws of Nigeria and serve users in supported markets — currently Nigeria, Ghana, Kenya, Tanzania, Zambia, and South Africa. Panenka currently supports SportyBet and Bet9ja; which bookmakers are available to you depends on the market you told us you bet from. Every underlying betting transaction remains governed by the selected bookmaker's terms, applicable licences, and applicable law in your market.

04Eligibility & 18+

To use Panenka AI you must:

• Be at least 18 years old. Gaming law in every market we serve, and Meta's WhatsApp Business policy, both require this.
• Be physically located in a supported market — currently Nigeria, Ghana, Kenya, Tanzania, Zambia, or South Africa — at the time of use, and tell us your country honestly at setup. Your country determines which bookmaker sites, currency, and features are available to you.
• Have the legal capacity to enter into a binding contract under the laws of your country.
• Not be self-excluded from any licensed bookmaker, and not be on any government or bookmaker exclusion list.
• Not be a bookmaker employee, regulator, or family member of either, where doing so would breach the bookmaker's own house rules.
• Use Panenka AI for your own personal account, not on behalf of someone else, not as a betting agent, and not for any commercial reselling activity.

If we discover that any of the above is not true for you, we will close your access and notify the relevant bookmaker if required.

05Your account

Your "Panenka AI account" is identified by your WhatsApp phone number. You do not register a separate username or password with us.

• One account per phone number. Multi-accounting (running several Panenka AI identities to circumvent bookmaker limits or our rules) is not allowed.
• Keep your phone secure. Anyone with access to your WhatsApp can message the bot. Lock your phone, do not share your WhatsApp PIN, and log out of WhatsApp Web on devices you do not own.
• Tell us if your phone is lost or stolen. Email hello@usepanenka.com or send FREEZE MY ACCOUNT from any device temporarily logged in to that WhatsApp number, and we will suspend the account immediately.
• Information must be accurate. Anything you tell us about yourself — including your country — or your bookmaker accounts must be true and current.

06Your bookmaker credentials & authority

When you give Panenka AI your bookmaker username and password, you do two things:

• You authorise us to log into that bookmaker account on your behalf, solely to perform the actions you ask us to perform — typically: load a booking code, place a bet, browse fixtures, fetch odds, and read your slip status.
• You confirm that giving us this authority does not breach the bookmaker's own terms and conditions. Most bookmakers in our supported markets do not currently prohibit a third-party assistant placing bets on your behalf, but their terms can change. The responsibility for staying compliant with the bookmaker's rules sits with you, the account holder.

How we treat the credentials is described in detail in our Privacy Policy: AES-256 encrypted at rest, decrypted only in memory at the moment of use, never logged, never displayed back to you, deletable on demand by sending FORGET MY LOGIN.

We will never use your bookmaker login for anything other than carrying out your explicit instructions. We do not transfer funds between accounts, we do not change your account settings, we do not place bets you did not ask for, and we do not log in for "fun" or analytics purposes.

07Bets we place for you

How a bet is placed

• You send us a request: a booking code, a natural-language description ("₦1,000 on Arsenal to win"), or a slip you built inside the bot.
• We confirm the slip back to you with the markets, odds, stake, and potential winnings.
• You confirm the placement (typically by tapping a quick-reply button or replying YES).
• We log into your bookmaker, place the bet, and send you the receipt.

What "confirmation" means

Once you confirm, the bet is final the moment it is accepted by the bookmaker. Panenka AI cannot cancel, amend, or refund a bet that has been accepted — only the bookmaker can, under their own rules.

Odds and price movement

Odds change. Between the moment you confirm and the moment our request reaches the bookmaker, prices may move. The price the bookmaker accepts is the price that applies to the bet, not the price we displayed at confirmation. We will tell you when this happens, and we will not place the bet at a materially worse price without re-confirming with you.

Failed placements

A bet may fail to place — your bookmaker session may have expired, your balance may be insufficient, the bookmaker may have suspended the market, the bookmaker's API may be unreachable. When a placement fails, no stake is taken from your account and we tell you why and what to do next.

You are responsible for your bets

• You choose the selections.
• You choose the stake.
• You confirm the placement.
• You bear the outcome — wins are yours, losses are yours.

Panenka AI does not guarantee profits, does not promise specific odds, does not promise that a market will be available at any particular time, and does not promise that your bet will be accepted by the bookmaker.

08Fees & payments

Using Panenka is free. The paid part is optional: Panenka AI Pro and Panenka AI Premium are monthly subscription plans that unlock more of the product. For any paid plan:

• The exact price is always shown in the bot before checkout, and again on the payment page before you confirm. We will never charge you for something you did not affirmatively buy.
• Payment happens on Paystack's own secure page — Panenka never sees or stores your card number.
• A plan runs for 30 days from the day your payment is confirmed.
• Renewals. If you paid by card, your plan renews automatically each month: we remind you the day before, and you can say CANCEL MY SUBSCRIPTION at any time to stop the next charge. If a renewal charge fails we retry a small number of times over three days, then stop — we never keep hammering your card. If you paid by bank transfer or USSD, nothing ever renews by itself: we send you a payment link the day before your plan ends, and if you do nothing you simply move back to the free tier.
• Cancelling stops future charges. Everything you paid for keeps working until the end of the period you already paid; cancelling does not refund a charge already made, and a paid period is not refunded pro-rata when you stop using it.
• Upgrading mid-cycle charges only the difference for the rest of your current period; the higher plan's full price applies from your next renewal. There is no mid-cycle downgrade — a plan runs to the end of its paid period.
• Where a refund is due (for example a charge we cannot honour), it is issued in line with the refund policy in force at the time of purchase.

Stakes are taken from your bookmaker balance by the bookmaker. When you use bookmaker funding, Panenka may collect or route only the exact top-up amount you confirmed for the selected bookmaker account. A top-up is not a Panenka balance and is not itself a stake. A subscription payment is a Panenka fee — it never funds a bookmaker and never places a bet.

09Use of WhatsApp

Panenka AI runs on top of WhatsApp, operated by Meta. Your use of WhatsApp itself is governed by Meta's terms and the WhatsApp Privacy Policy. We are not responsible for WhatsApp's availability, message delivery times, or the way Meta processes your data on the platform.

Within the bot:

• Reply STOP to mute marketing-style messages such as price-drop alerts. You will still receive utility messages tied to bets you placed (slip confirmations, outcome notices, security codes), because those are part of the service you asked for.
• Reply HELP for support.
• Reply FORGET MY LOGIN to wipe your stored bookmaker credentials.
• Reply CLEAR CHAT to wipe your conversation history with the bot.
• Reply DELETE MY DATA to close your Panenka AI account and erase your personal data, as described in our Privacy Policy.

10Acceptable use

You agree not to:

• Use Panenka AI to place bets on someone else's behalf, run a betting agency, or operate any kind of bet-placing service for third parties.
• Use Panenka AI to commit, attempt, or facilitate fraud, money laundering, match-fixing, or any criminal activity.
• Submit false personal information, including impersonating someone else, declaring a country you are not located in, or providing bookmaker credentials that are not yours.
• Run multiple Panenka AI accounts from the same device or for the same person to circumvent bookmaker limits, our limits, or our policies.
• Attempt to reverse-engineer, scrape, automate, or load-test the bot or our APIs in ways not permitted by these terms.
• Send abusive, threatening, harassing, or unlawful content through the bot.
• Use the bot to access bookmakers in jurisdictions where doing so is illegal, or to evade geographic or self-exclusion restrictions on a bookmaker account.
• Interfere with the operation of the service in any way.

We may treat any breach of acceptable use as grounds to suspend or terminate your access immediately, without refund of any paid-tier balance.

11Disputes with bookmakers

If a bet was settled in a way you disagree with, if a bookmaker voids your bet, if a market is paid out at a different price than displayed, or if a bookmaker disputes the validity of a bet, that dispute is between you and the bookmaker. Panenka AI is not a party to it.

We will help where we reasonably can. Specifically:

• We can produce a record of what was placed, when, and at what price displayed in the bot.
• We can confirm to the bookmaker that the placement came through us as your authorised assistant.
• We can pause our access to your account at your request while a dispute is open.

We cannot force a payout, override a bookmaker's house rules, or compensate you for a bookmaker's settlement decision.

12Availability & service changes

We work to keep Panenka AI available, but we do not guarantee uninterrupted service. The bot may be temporarily unavailable because:

• A bookmaker is down or its API is unreachable.
• WhatsApp is down or experiencing delivery delays.
• We are deploying updates or running maintenance.
• An incident has degraded part of our infrastructure.

We may also change, add, or remove features over time. When we make material changes that affect how you use the service — for example, dropping a bookmaker, adding or removing a supported market, changing a flow, or moving the bot to a new WhatsApp number — we will tell you in advance via the bot.

We do not guarantee that any specific bookmaker or market will continue to be supported. If we drop support for a bookmaker, we will give you notice and your stored credentials for that bookmaker will be deleted.

13Disclaimers

Panenka AI is provided "as is" and "as available", to the maximum extent permitted by applicable law.

• We do not warrant that the service will be uninterrupted, error-free, or completely secure.
• We do not warrant that any bet you ask us to place will be accepted by the bookmaker, settled in your favour, or paid out within any specific time.
• We do not warrant the accuracy of odds, fixtures, scores, or other information surfaced through the bot — that information comes from the bookmakers and from public sources, and we relay it as we receive it.
• We do not provide financial, investment, legal, or gambling advice. Anything we say is for information only.

Where applicable law implies warranties that cannot be excluded, our liability is limited as described in the next section.

14Limitation of liability

To the maximum extent permitted by applicable law:

• Panenka AI is not liable for losses arising from the outcome of any bet. Bets you place can lose. Losses are yours.
• Panenka AI is not liable for losses arising from a bookmaker's actions, including void bets, settlement decisions, account closures, withdrawal delays, or changes in the bookmaker's terms.
• Panenka AI is not liable for indirect, consequential, special, incidental, exemplary, or punitive damages, including lost profits, lost opportunities, lost goodwill, or emotional distress, arising from your use or inability to use the service.
• Where Panenka AI is found liable for direct damages, our aggregate liability to you for any claim or series of claims arising in any twelve-month period is capped at the greater of (a) the fees you paid us in that period, or (b) ₦20,000 or its equivalent in your market's currency.

Nothing in these terms excludes or limits our liability for fraud, gross negligence, wilful misconduct, or anything that cannot be limited under applicable law.

15Indemnity

You agree to indemnify and hold Panenka AI harmless from any claim, demand, loss, liability, or expense (including reasonable legal fees) brought by a third party — including a bookmaker — that arises out of:

• Your breach of these terms.
• Your breach of a bookmaker's terms or any applicable law.
• Information you provided to us being false, inaccurate, or unauthorised.
• Your use of Panenka AI in a way that this agreement does not permit.

16Suspension & termination

You can stop using Panenka AI at any time. Send DELETE MY DATA on WhatsApp, or email privacy@usepanenka.com. This ends the agreement.

We may suspend or end your access if:

• You breach these terms, in particular the acceptable-use section.
• We reasonably suspect fraud, money laundering, multi-accounting, or other illegal activity.
• A bookmaker, regulator, or court requires us to stop providing the service to you.
• You are no longer eligible (for example, you self-exclude, you are no longer in a supported market, or we discover you are under 18).
• We discontinue the service.

Where it is reasonable to do so, we will tell you in advance. Where we cannot — for example, if waiting would cause more harm — we will act first and explain after.

Sections that by their nature should survive termination — for example liability limits, indemnity, governing law — survive termination.

17Intellectual property

The Panenka AI bot, the website, the brand, the copy, the design, and the underlying software are owned by Panenka AI Technologies Ltd or our licensors. You get a limited, non-transferable, non-exclusive, revocable licence to use them as part of the service, for your own personal, non-commercial use.

You do not get permission to:

• Copy, modify, distribute, or create derivative works of the bot or the website.
• Use the Panenka AI name, logo, or branding without our written consent.
• Scrape, mirror, or republish content surfaced through the bot.

18Governing law & disputes

These terms are governed by the laws of the Federal Republic of Nigeria. Any dispute arising out of or in connection with these terms or the service is subject to the exclusive jurisdiction of the courts of Lagos State, Nigeria.

If you use the service from another supported market, nothing in these terms removes any mandatory protection your local consumer or data protection law gives you.

Before going to court, we both agree to try to resolve any dispute first through direct discussion. Email legal@usepanenka.com with the details and we will respond within 14 days. If we cannot resolve it within 30 days, either of us is free to pursue the dispute through the courts.

19Changes to these terms

We may update these terms from time to time. When we do, we will:

• Update the "Effective" date at the top.
• Increment the version number.
• For material changes, send you a notice on WhatsApp and require you to acknowledge the new terms before continuing to use the service.

The current version of these terms is always at usepanenka.com/terms.html. Continued use of the service after a change means you accept the updated terms.

20Contact

• General: hello@usepanenka.com
• Legal: legal@usepanenka.com
• Privacy: privacy@usepanenka.com
• Security: security@usepanenka.com
• WhatsApp: send HELP to the bot
• Post: Panenka AI Technologies Ltd, Lagos, Nigeria