Terms and Conditions

A1. About these Terms

These Terms and Conditions (“Terms”) govern the use of the website panion.travel and any related services (the “Platform”) operated by Panion Norway AS, with its registered business address at Turistvegen 83, 9020 Tromsdalen, Norway (“Panion”, “we”, “us”). Contact: hello@panion.travel.

In these Terms, “Panion” refers to the company. “Panions” (with capital P) refers to the individuals or businesses that publish curated activity lists and refer Customers to the Platform in exchange for commission.

The Terms apply to three groups of users:

• Part B — Customers who book activities via the Platform.
• Part C — Activity Providers who supply the activities sold via the Platform.
• Part D — Panions who refer customers to the Platform and may earn commission.

Part A and Part E apply to all users. The remaining parts apply only to the relevant user group.

A2. How the Panion model works

Panion sells activities (“Activities”) to Customers in its own name via the Platform. Activities are performed by independent third-party Activity Providers. Panions (e.g. hotels, hosts, guides, taxi drivers) may publish curated lists and may receive commission on bookings made via their unique link or QR code.

A3. Acceptance

You accept these Terms by:

(a) booking an Activity (Customers); (b) creating a Provider account, listing an Activity, or accepting a booking (Activity Providers); (c) creating a Panion account or publishing a Panion link or QR code (Panions).

If you do not accept these Terms, do not use the Platform.

A4. Changes to the Terms

We may update these Terms from time to time. Material changes will be notified to registered users by email and published on the Platform at least 30 days before they take effect. For Customers, bookings already made are governed by the Terms in force at the time of booking.

B1. Pre-contractual information (cf. ehandelsloven §§ 8–11 and angrerettloven § 8)

Before completing a booking, you will be presented with the identity, total price (incl. VAT and any fees), date, duration and main characteristics of the Activity, the identity of the Activity Provider, the technical steps required to complete the booking, the language of the contract (English) and these Terms.

B2. Booking and payment

B2.1 A binding contract is formed between you and Panion when you receive a booking confirmation by email.

B2.2 Payment is processed by Stripe. By submitting payment information, you accept Stripe’s terms. Panion does not store full card details.

B2.3 All prices are stated in the currency specified by the relevant Activity Provider and are inclusive of VAT and any other applicable taxes, unless otherwise expressly stated.

B3. Right of withdrawal

Under the Norwegian Right of Withdrawal Act (angrerettloven) § 22 (m), the statutory 14-day right of withdrawal does not apply to services related to leisure activities where the contract specifies a particular date or period of performance. Activities booked via the Platform are tied to a specific date and time, and you therefore do not have a statutory right to cancel the booking after confirmation.

Voluntary cancellation/refund policies offered by the Activity Provider (if any) are stated on the activity page and form part of the contract.

B4. Performance of the Activity

B4.1 The Activity is performed by the Activity Provider on the date and at the location specified in the booking. The Activity Provider may contact you directly with practical information after confirmation.

B4.2 You must follow safety instructions and any participation requirements (age, health, equipment) communicated by the Activity Provider. Panion or the Activity Provider may refuse participation, without refund, if requirements are not met.

B5. Cancellation by Panion or the Activity Provider

If the Activity is cancelled for reasons within Panion’s or the Activity Provider’s control, you are entitled to a full refund of amounts paid. We will notify you as soon as possible. We are not liable for additional costs (e.g. travel to the meeting point) beyond the refund of the price of the Activity, except where required by mandatory law.

B6. Force majeure and unavoidable circumstances

Neither party is liable for failure to perform caused by circumstances outside their reasonable control (e.g. extreme weather, natural events, strikes, government measures). The Activity may be rescheduled or refunded.

B7. Complaints

Complaints regarding an Activity should be raised as soon as possible to hello@panion.travel. We will assist in resolving the complaint with the Activity Provider.

Consumers in Norway may bring disputes before Forbrukertilsynet/Forbrukerklageutvalget. Consumers in the EU may use the European Commission’s ODR platform: https://ec.europa.eu/consumers/odr.

B8. Liability towards Customers

B8.1 Panion is liable for direct loss caused by breach of contract attributable to Panion, in accordance with mandatory consumer law.

B8.2 To the extent permitted by law, Panionis not liable for: (i) indirect or consequential losses, (ii) loss caused by the Customer’s own acts, including failure to follow safety instructions, (iii) personal injury or property damage occurring during the Activity that is attributable to the Activity Provider, save where Panion has acted negligently.

B8.3 Nothing in these Terms limits liability for death, personal injury caused by negligence, or other liability that cannot be limited under Norwegian mandatory law.

B9. Panions' lists

Lists of activities published by Panions reflect the Panion’s personal recommendation. Panion does not warrant the suitability of any specific Activity for your individual needs.

C1. Role and acceptance

C1.1 Panion sells Activities to Customers in its own name. The Provider supplies the Activity and is responsible for delivering it to the Customer.

C1.2 The Provider operates an independent business. Nothing in these Terms creates an employment, agency or partnership relationship.

C1.3 The Provider accepts these Terms by creating a Provider account, listing an Activity, or accepting a booking.

C2. Listings and content

C2.1 The Provider is responsible for the accuracy of all information published about the Activity, including description, duration, meeting point, what is included, participant requirements, and available capacity. The calendar and capacity must be kept up to date in real time.

C2.2 The Provider grants Panion a non-exclusive, royalty-free, worldwide licence to use the text, photos, videos and trademarks uploaded by the Provider to promote and sell the Activity via the Platform, Panion’s marketing channels and Panions. The Provider warrants that it holds all rights to the content uploaded.

C3. Quality, safety and compliance

By listing an Activity, the Provider confirms and warrants that:

(a) it holds all licences, permits, certifications and qualifications required by law to operate the Activity; (b) it complies with applicable Norwegian law (or the law of the country where the Activity takes place), including health, safety, environmental and animal welfare rules; (c) its staff have the competence and language skills needed to deliver the Activity safely to international guests; (d) it maintains written safety routines and conducts risk assessments appropriate for the type of Activity; (e) it will notify Panion without undue delay of any incident, accident or near-miss involving Customers.

C4. Pricing, commission and payout

C4.1 The Provider sets its Net Price in the booking system. Panionsets the Retail Price shown to the Customer. The difference is Panion’s commission.

C4.2 Panion may run discounts and campaigns at its own cost without reducing the Net Price, unless agreed otherwise.

C4.3 Panion pays out the Net Price for completed bookings within 15 days after the end of the calendar month in which the Activity was delivered, together with a settlement statement, subject to Section E7 (Withholding of funds). The Provider must verify each statement within 10 days. Unchallenged statements are considered accepted.

C4.4 The Provider is responsible for correctly handling and reporting VAT and tax on its income from Panion.

C4.5 Panionmay offset against future payouts any refunds, chargebacks, transaction fees or compensation paid to Customers attributable to the Provider’s Activity.

C5. Insurance

The Provider must maintain at all times:

(a) liability insurance covering personal injury and property damage to Customers and third parties, with a minimum cover appropriate to the nature and risk profile of the Activity, and in any event not less than NOK 10,000,000 where reasonably required by Panion(or equivalent appropriate to the risk of the Activity); (b) any statutory insurance required for vehicles, vessels, animals or equipment used; (c) employer’s liability / occupational injury insurance for staff.

Proof of insurance must be provided on request.

C6. Bookings, cancellations and no-shows

C6.1 A booking is binding for the Provider once confirmed in the booking system.

C6.2 Cancellation by the Provider: If the Provider cancels a confirmed booking, Panion will refund the Customer in full. The Provider bears the cost of the refund plus any direct costs Panion incurs (e.g. transaction fees, reasonable alternative arrangements), unless the cancellation is caused by force majeure or genuine safety reasons.

C6.3 Cancellation by the Customer: Cancellation deadlines and refund rules for the Customer are stated on the activity page and chosen by the Provider when listing the Activity.

C6.4 No-show: If the Customer fails to attend, the Activity counts delivered, and the Provider receives the full Net Price.

C7. Customer complaints and defects

C7.1 Customer complaints are normally handled by Panion, who will pass them on to the Provider.

C7.2 Where the Customer has a valid claim under mandatory consumer law (price reduction, re-performance, compensation), the Provider bears the final cost of that claim, including reasonable handling costs incurred by Panion.

C8. Direct contact with Customers

After a booking is confirmed, the Provider may contact the Customer directly with practical information needed to deliver the Activity. The Provider must not use Customer data to (a) market its own or third-party services to the Customer without the Customer’s separate consent, or (b) encourage the Customer to book future activities outside Panion.

C9. Personal data — independent controllers

C9.1 Panion and the Provider act as independent controllers under the GDPR for the personal data exchanged about Customers.

C9.2 Panion shares the data necessary to deliver the Activity (name, contact details, number of participants, special needs). The Provider may only use this data to deliver the Activity, comply with legal obligations, and respond to legitimate Customer requests.

C9.3 The Provider must implement appropriate technical and organisational security measures, notify Panion without undue delay of any personal data breach involving Customer data received from Panion, assist Panion in responding to data subject requests, and not transfer Customer data outside the EEA without an appropriate transfer mechanism.

C10. Provider liability and indemnity

C10.1 The Provider is liable to Panion for, and shall indemnify Panion against, any claim brought against Panion by Customers, public authorities or third parties that arises from:

(a) the Provider’s performance (or non-performance) of the Activity; (b) inaccurate or misleading information provided by the Provider; (c) the Provider’s failure to meet safety, insurance or compliance requirements; (d) personal injury, death or property damage caused by the Provider, its staff or sub-contractors; (e) infringement of third-party rights in content uploaded by the Provider.

C10.2 Panion’s total liability towards the Provider is limited to the Net Price paid to the Provider in the 12 months preceding the event giving rise to the claim. This limit does not apply to wilful misconduct, gross negligence or breach of confidentiality.

C10.3 Neither party is liable for indirect or consequential losses, except in cases of wilful misconduct or gross negligence.

C11. Termination of Provider account

C11.1 Either party may terminate the Provider relationship with 30 days’ written notice (email is sufficient).

C11.2 Bookings already confirmed at termination must be delivered on the agreed terms unless otherwise agreed.

C11.3 The right of Panion to suspend or delete a Provider account at any time and without notice is set out in Section E6.

D1. Role

Panions publish curated lists of Activities and refer Customers to the Platform via a unique link or QR code. Panions do not sell the Activities themselves and are not party to the contract between Panion and the Customer.

D2. Acceptance

A Panion accepts these Terms by creating a Panion account or by publishing a Panion referral link or QR code.

D3. Commission

D3.1 A Panion may earn a commission on each completed booking attributed to its referral link or QR code, in accordance with the commission rate shown in the Panion account at the time of booking.

D3.2 Panion makes no representation, warranty or guarantee of any kind regarding the level of bookings, traffic, conversion rate or commission a Panion will earn. Any examples, projections or estimates shown on the Platform or in marketing material are illustrative only and do not constitute a promise of future income. Becoming a Panion involves no fixed remuneration, minimum payout or right to a particular volume of bookings.

D3.3 Attribution is tracked via Bókun (TripAdvisor) and Panion’s internal systems. A booking is attributed to the Panion whose link or QR code will be used by the Customer before completing the booking, within the attribution window stated in the Panion account (typically 30 days). Panionis not liable for attribution failures caused by the Customer’s browser settings, ad blockers, declined cookie consent, use of incognito mode, or other factors outside Panion’s reasonable control.

D3.4 Commission is paid out to the Panion’s registered bank account within 15 days after the end of the calendar month in which the Activity was delivered, subject to Section E7 (Withholding of funds). No commission is payable for cancelled, refunded, charged-back or fraudulent bookings.

D3.5 Panionmay change the commission rate or attribution rules with 30 days’ notice through the Panion account. The new terms apply to bookings made after the effective date.

D3.6 The Panion is responsible for correctly reporting and paying tax on commission income.

D4. Conduct

The Panion shall:

(a) only present Panion and the Activities in a truthful and non-misleading way; (b) not use Panion’s brand or trademarks beyond the materials provided; (c) not engage in spam, paid search bidding on Panion-branded keywords, or any conduct that violates applicable marketing or consumer law (including markedsføringsloven); (d) clearly disclose to its audience, where required by law, that it receives commission for referrals.

D5. Termination

D5.1 Either party may terminate the Panion relationship with 30 days’ written notice.

D5.2 The right of Panion to suspend or delete a Panion account at any time and without notice is set out in Section E6.

E1. Use of the Platform

No user may misuse the Platform, including by attempting unauthorised access, scraping, or posting unlawful content. Panion may suspend or terminate access for violations.

E2. Intellectual property

All content on the Platform (text, design, logos, code) is owned by Panion or its licensors and may not be copied or used without written consent, except permitted by law or by these Terms (e.g. the licence granted by Providers in Section C2.2).

E3. Confidentiality (Providers and Panions)

Providers and Panions shall keep commercial, technical and financial information received from Panion confidential, except where the information is public or must be disclosed by law. This obligation survives termination for 3 years.

E4. Force majeure

Neither party is liable for failure to perform caused by extraordinary circumstances outside its reasonable control, including extreme weather, natural events, pandemic, strikes or government action.

E5. Notices

Notices to Panion may be sent to hello@panion.travel. Notices to users will be sent to the email address registered in the user’s account or, for Customers, to the email used when booking.

E6. Suspension and termination of Provider and Panion accounts

E6.1 In addition to the termination rights set out in Sections C11 and D5, Panion may suspend, restrict, deactivate or delete a Provider or Panion account at any time, with or without cause, and without prior notice, at its sole discretion. Reasons may include, but are not limited to:

(a) actual or suspected breach of these Terms; (b) actual or suspected fraud, money laundering, or other unlawful conduct; (c) conduct that could harm Customers, other users, the Platform or Panion’s reputation; (d) requests from public authorities or court orders; (e) discontinuation of the Platform or of the relevant service; (f) commercial or operational reasons.

E6.2 Suspension or deletion takes effect immediately upon notification (which may be given by email, in-app message or simply by disabling access). Panion will provide reasons where reasonably possible, but is not obliged to do so.

E6.3 Where a Provider account is suspended or deleted, bookings already confirmed will normally be honoured to protect Customers, unless Panionreasonably considers this not to be in the Customers’ interest. In that case, Panion may cancel the bookings and refund the Customers, and offset the cost against any amounts owed to the Provider in accordance with Section E7.

E6.4 Suspension or deletion of an account does not give rise to any right to compensation, lost profits, lost commission opportunities or other damages, except as required by mandatory law.

E7. Withholding of funds

E7.1 Panion may withhold, freeze, delay, set off or deduct from any payout or commission owed to a Provider or Panion where Panion, in its reasonable discretion, considers it necessary, including where:

(a) there is a pending or potential refund, chargeback, complaint or dispute relating to a booking; (b) Panion suspects fraud, error, breach of these Terms or unlawful conduct; (c) the account is suspended or under investigation under Section E6; (d) Panionis required to do so by law, court order or request from a public authority (including tax authorities); (e) the Provider’s or Panion’s payout or identity details cannot be verified; (f) amounts are owed to Panion by the Provider or Panion (including overpayments, refunded bookings, goodwill compensation under Section C7.3, transaction fees and chargeback costs).

E7.2 Withheld funds will be released to the extent and at the time Panion reasonably determines the underlying issue is resolved. Panion does not pay interest on withheld funds, except where required by mandatory law.

E7.3 If amounts owed to Panion exceed available payouts, the Provider or Panion shall reimburse the difference within 14 days of written demand.

E8. Governing law and venue

These Terms are governed by Norwegian law. Disputes shall be brought before the ordinary Norwegian courts, with Møre og Romsdal tingrett the agreed venue, unless mandatory consumer law gives the consumer the right to bring the case in their country of residence.