Terms of Service

    Last updated: January 1, 2026

    1. Acceptance of Terms

    By accessing and using panoplystudio.co.nz (the "Website"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to these Terms, you must immediately discontinue using this Website. These Terms constitute a legally binding agreement between you and the operators of panoplystudio.co.nz.

    2. Site Purpose

    panoplystudio.co.nz is an independent informational and comparison platform focusing on PayPal casinos and online gambling options for New Zealand players. We are NOT an online casino, gambling operator, or payment provider. We do not offer real-money gambling services, facilitate financial transactions, or handle player funds. All content, including reviews, guides, and promotional material, is provided strictly for entertainment and educational purposes.

    3. Age Restriction

    This Website is intended solely for individuals who are at least 18 years of age or the legal minimum age for participating in online gambling within New Zealand or your local jurisdiction, whichever is higher. By using this Website, you represent and warrant that you meet this age requirement. If you are under 18 years old, you are strictly prohibited from accessing this Website and any third-party gambling platforms linked herein.

    4. Disclaimer

    While we endeavour to keep all information regarding bonuses, payment methods, processing times, and terms accurate and up to date, the online gambling landscape changes rapidly. We make no representations or warranties of any kind, express or implied, regarding the completeness, accuracy, reliability, or availability of the information provided on this Website. You are solely responsible for independently verifying all terms, wagering requirements, fees, and rules directly on the respective casino operator's website before creating an account or depositing funds.

    5. Affiliate Relationship

    panoplystudio.co.nz operates as an affiliate marketing website. This means we may receive financial compensation or commission when you click on links pointing to third-party casino operators and complete actions, such as registering an account or making a deposit. This commercial relationship does not incur any additional cost to you. While our reviews aim to be objective and fair, commercial arrangements may influence the placement and visibility of certain operators on our Website.

    6. Intellectual Property

    All content on panoplystudio.co.nz—including text, graphics, logos, images, layout, and software—is the property of panoplystudio.co.nz or its content licensors and is protected by New Zealand and international copyright and intellectual property laws. You may not reproduce, distribute, modify, republish, or commercially exploit any content from this Website without prior written consent from us. Third-party brand names, trademarks, and logos (such as PayPal and casino brand marks) remain the property of their respective owners.

    7. Limitation of Liability

    To the fullest extent permitted under applicable law, panoplystudio.co.nz, its owners, directors, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this Website or any third-party site linked from it. This includes, without limitation, financial loss, loss of data, personal injury, or gambling-related losses resulting from your engagement with any recommended casino operator. You participate in online gambling entirely at your own risk.

    8. Governing Law

    These Terms of Service and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of New Zealand, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts of New Zealand to resolve any legal matter arising from these Terms or your use of the Website.

    9. Changes to Terms

    We reserve the right to amend, update, or replace these Terms of Service at any time without prior notice. Any modifications will be posted directly on this page with an updated revision date. Your continued access to or use of panoplystudio.co.nz following the publication of any changes constitutes your acceptance of the revised Terms.

    10. Contact

    If you have any questions, feedback, or concerns regarding these Terms of Service, please contact our legal team at:

    Email: [email protected]