Terms of Service

These Terms of Service ("Terms") govern your access to and use of the websites, mobile applications, eSIM data plans, connectivity products, customer support, and other services provided under the Panmigo brand (collectively, the "Services").

The Services are operated by WEALTHY STAR INTERNATIONAL CAPITAL LIMITED, a company incorporated in Hong Kong ("Panmigo", "we", "us", or "our").

By accessing the Services, creating an account, purchasing an eSIM, or using any Service, you agree to these Terms.

Please read these Terms carefully before purchasing or using the Services.

1. Eligibility

You must be at least 18 years old or have reached the legal age required to enter into a binding contract in your jurisdiction.

If you are below that age, a parent or legal guardian must make or authorize the purchase where permitted by applicable law.

You represent that:

Information you provide to Panmigo is accurate;
You are authorized to use the payment method used for your purchase;
Your use of the Services complies with applicable law.

2. The Panmigo Service

Panmigo provides access to prepaid eSIM connectivity products supplied through telecommunications operators, eSIM providers, and other connectivity partners.

Unless expressly stated otherwise on the relevant product page, Panmigo eSIM plans are data-only services and do not include:

A traditional mobile telephone number;
Voice calls;
SMS messaging.

Certain products may provide different or additional features.

The product information displayed on the relevant product page at the time of purchase will apply to that purchase.

3. Device Compatibility

You are responsible for ensuring that your device:

Supports eSIM technology;
Is unlocked from carrier or network restrictions;
Supports the relevant frequencies and network standards;
Meets applicable operating system requirements;
Is capable of using the Service in the relevant destination.

Compatibility information provided by Panmigo is intended to assist customers but may not cover every:

Device variant;
Regional model;
Carrier configuration;
Firmware version;
Operating system modification.

Where your eSIM has not been activated, your refund rights are governed by the Panmigo Refund Policy.

4. Accounts

Certain Panmigo features may require a user account.

You are responsible for:

Maintaining the confidentiality of your login credentials;
Activity occurring through your account;
Providing accurate and current account information;
Promptly notifying Panmigo of suspected unauthorized access.

You may sign in using supported third-party authentication services such as Google or Apple.

Panmigo may suspend access to an account where we reasonably believe the account:

Has been compromised;
Is being used fraudulently;
Presents a security risk; or
Is being used in material violation of these Terms.

Account Deletion

You may initiate deletion of your Panmigo account through the deletion methods made available by Panmigo, including the applicable in-app or website account-deletion process.

Deleting your account may permanently remove access to account-linked information and features.

Panmigo may retain limited information after account deletion where required or permitted for legal, regulatory, tax, accounting, fraud-prevention, security, dispute-resolution, or enforcement purposes.

Further information is provided in the Panmigo Privacy Policy.

5. Orders and Contract Formation

Product listings displayed by Panmigo constitute invitations to purchase and do not necessarily constitute unconditional offers.

When you submit an order, you offer to purchase the selected Service subject to these Terms and any product-specific conditions displayed before purchase.

An order is accepted when Panmigo confirms the purchase and makes the relevant Service available to you, unless applicable law requires otherwise.

We may reject or cancel an order before activation where reasonably necessary because of:

Payment failure;
Suspected fraud;
Pricing errors;
Technical errors;
Product unavailability;
Legal or regulatory restrictions;
Restrictions imposed by an eSIM provider;
Restrictions imposed by a telecommunications or network operator.

If Panmigo cancels a paid order before providing the Service, we will refund the affected payment.

6. Pricing, Currency, Taxes, and Payment

Prices are displayed in the currency shown during checkout.

Where Panmigo supports multiple currencies:

Exchange rates may vary;
Localized prices may vary;
Prices for the same or similar Service may differ between markets.

The final amount payable will be displayed before you confirm your purchase.

Applicable taxes may:

Be included in the displayed price; or
Be separately shown at checkout,

depending on applicable law and the relevant market.

Payments may be processed through third-party payment services, including:

Stripe;
Apple Pay;
Google Pay;
Other payment methods made available by Panmigo.

Your use of a third-party payment service may also be subject to that provider's applicable terms and privacy policy.

7. eSIM Delivery

After successful payment, Panmigo will normally make your eSIM available through one or more supported methods, which may include:

Your Panmigo account;
The Panmigo mobile application;
Email;
QR code;
Manual installation information;
Direct or assisted installation methods;
Other supported delivery methods.

You are responsible for using eSIM installation and activation information only for the intended device and Service.

You should keep QR codes, activation credentials, and other eSIM provisioning information secure.

You must not publicly share eSIM installation or activation information.

8. Installation and Activation

Installation and activation are separate events.

Installing an eSIM profile on a device does not necessarily mean that the associated data plan has been activated.

Activation generally occurs according to the activation conditions applicable to the relevant plan.

Depending on the product, activation may occur upon:

First connection to a supported network in the destination;
A particular network event;
Manual activation;
Another condition stated on the applicable product page.

The activation mechanism displayed on the relevant product page or installation instructions will apply.

Customers should avoid enabling or using an eSIM before they intend to activate the plan where doing so could start the plan's validity period.

9. Activation Deadline

Unless otherwise specified for a particular product, an eSIM purchased from Panmigo must normally be activated within 180 days from the date of purchase.

If the eSIM is not activated within the applicable activation period, it may expire and become unusable.

Certain providers or plans may apply a shorter or different activation period.

Where this occurs, the product-specific information presented before purchase will prevail.

Refund eligibility for unactivated plans is governed by the Panmigo Refund Policy.

10. Plan Validity

Once activated, a plan remains valid for the duration specified at the time of purchase.

Depending on the plan, validity may be measured by:

Calendar days;
Consecutive 24-hour periods;
Network billing cycles; or
Another method stated on the applicable product page.

Unused data normally expires when the plan validity period ends and does not carry over unless the applicable product information expressly states otherwise.

11. Fixed-Data Plans

For fixed-data plans, the customer receives the amount of data specified in the product description.

Unless otherwise stated, once the included data allowance has been exhausted:

Connectivity may stop; or
Additional data may require purchase of another plan or add-on.

The terms displayed for the relevant plan before purchase will apply.

12. Unlimited and Fair Use Plans

Some Panmigo products may be marketed as "Unlimited" plans.

Unless expressly stated otherwise, "Unlimited" refers to continued access to mobile data during the applicable plan period and does not necessarily mean unlimited high-speed data.

An Unlimited plan may include a specified amount of high-speed data:

Per day;
Per 24-hour period;
Per usage cycle; or
According to another period stated in the product information.

After the applicable high-speed allowance has been reached:

Speed may be reduced;
A Fair Use Policy may apply;
High-speed allowance may reset at the next applicable cycle.

Where applicable, the product information will describe relevant conditions such as:

High-speed data allowance;
Throttled or reduced speed;
Reset period;
Plan validity;
Fair use conditions.

Network operators may also apply reasonable network-management measures designed to maintain network stability and quality.

13. Network Availability and Performance

Mobile connectivity depends on third-party telecommunications networks and cannot be guaranteed in all locations or circumstances.

Actual:

Coverage;
Signal strength;
Connection speed;
Latency;
Network technology;
Routing;
Service quality

may vary because of factors including:

Geographic location;
Building structures;
Terrain;
Network congestion;
Device capabilities;
Supported frequency bands;
Local network maintenance;
Network outages;
Weather;
Environmental conditions;
Network-operator policies;
Other technical conditions outside Panmigo's reasonable control.

Any coverage maps, speed descriptions, network names, or network-technology labels are indicative and do not constitute a guarantee that a particular speed, operator, or network technology will always be available.

Where a failure attributable to Panmigo or its service partners materially prevents use of the purchased Service, the Panmigo Refund Policy applies.

14. Roaming and Device Settings

Many travel eSIM products require data roaming to be enabled on the relevant eSIM line.

You are responsible for:

Following the applicable installation instructions;
Selecting the correct SIM or eSIM for mobile data;
Configuring your device appropriately;
Enabling data roaming where required.

To reduce the risk of charges from your home mobile operator, you should review the roaming and mobile-data settings of your primary SIM before travelling.

Panmigo is not responsible for roaming, voice, SMS, or mobile-data charges independently imposed by another telecommunications provider because of the settings or use of another SIM or mobile account.

15. Acceptable Use

You may use the Services only for lawful purposes and in accordance with these Terms.

You must not:

Use the Services for illegal, fraudulent, abusive, or harmful activity;
Attempt to interfere with telecommunications networks or Panmigo systems;
Circumvent technical restrictions or Fair Use controls;
Resell or commercially redistribute an eSIM without express authorization;
Manipulate data usage, activation, purchasing, promotion, or refund systems;
Use stolen or unauthorized payment instruments;
Access another person's Panmigo account without authorization;
Use the Service in violation of applicable telecommunications laws;
Use the Service in violation of applicable network-provider requirements.

Panmigo may suspend or terminate a Service where reasonably necessary to address:

Fraud;
Security risks;
Illegal activity;
Network abuse;
Unauthorized use;
Material violations of these Terms.

16. Refunds

Refunds are governed by the Panmigo Refund Policy.

In summary:

An eligible eSIM that has not been activated and has not passed its applicable activation deadline may be refunded in full;
Once activated, a plan is generally non-refundable;
Full or partial refunds may be available where an attributable technical or service failure materially prevents the purchased Service from functioning as described and cannot reasonably be resolved.

The Refund Policy forms part of these Terms.

If there is a conflict between this summary and the full Refund Policy, the full Refund Policy will apply, subject to mandatory applicable law.

Consumers in the European Union and the United Kingdom

If you are a consumer resident in the European Economic Area or the United Kingdom, you normally have a statutory right to withdraw from a distance contract within 14 days, without giving a reason.

Because an eSIM data plan is digital content supplied before that period ends, when you activate a plan you expressly request that we begin supplying the Service during the withdrawal period and you acknowledge that you thereby lose your statutory right of withdrawal once supply has begun.

Until you activate the plan, your statutory right of withdrawal is unaffected. Section 1 of the Refund Policy goes further than the statutory minimum, because it allows a full refund of an unactivated plan at any time before the applicable activation deadline.

Nothing in these Terms limits your mandatory consumer rights.

17. Changes to Networks and Service Providers

Panmigo works with third-party telecommunications, eSIM, and connectivity providers.

From time to time, Panmigo or its service partners may change:

The underlying network operator;
Network routing;
eSIM provider;
Supported network technology;
Technical configuration.

Such changes may be made where reasonably necessary to:

Maintain the Service;
Improve the Service;
Resolve technical problems;
Maintain network availability;
Continue providing connectivity.

We will not intentionally materially reduce the essential nature of a purchased Service without providing an appropriate remedy where required under the Refund Policy or applicable law.

18. Service Suspension

Panmigo may temporarily suspend all or part of the Services where reasonably necessary because of:

Maintenance;
Security incidents;
Technical failures;
Network-provider outages;
Fraud prevention;
Abuse prevention;
Legal or regulatory requirements;
Circumstances beyond our reasonable control.

Where practicable, we will take reasonable steps to minimize disruption.

Any refund or remedy expressly available under the Panmigo Refund Policy remains subject to that Policy.

19. Intellectual Property

Panmigo's websites, applications, logos, trademarks, software, interfaces, designs, text, graphics, and other content are owned by Panmigo or its licensors and are protected by applicable intellectual-property laws.

Subject to your compliance with these Terms, Panmigo grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable right to access and use the Services for their intended personal purpose.

Except as permitted by applicable law or expressly authorized by Panmigo, you may not:

Copy;
Reproduce;
Modify;
Distribute;
Sell;
License;
Commercially exploit;
Reverse engineer;
Attempt to extract source code from

Panmigo software or content.

Nothing in these Terms transfers ownership of Panmigo intellectual property to you.

20. Third-Party Services

The Services may depend on or integrate with third-party services, including:

Mobile network operators;
eSIM provisioning providers;
Payment processors;
Authentication providers;
Analytics providers;
Cloud infrastructure providers.

Third parties may impose their own technical restrictions, terms, or policies.

Panmigo is not responsible for independent third-party products or services outside our reasonable control.

Nothing in this section limits Panmigo's obligations relating to the Service that Panmigo has contracted to provide to you.

21. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Services are provided on an "as available" basis.

Because mobile connectivity depends on third-party networks, devices, geographic conditions, and other technical factors, Panmigo does not guarantee:

Uninterrupted connectivity;
A particular transmission speed;
A particular latency;
Continuous availability of a particular mobile network;
Continuous availability of a particular network technology.

Nothing in these Terms excludes, restricts, or limits any warranty, guarantee, right, or remedy that cannot legally be excluded, restricted, or limited under applicable consumer law.

22. Limitation of Liability

To the maximum extent permitted by applicable law, Panmigo will not be liable for indirect, incidental, special, or consequential losses that were not reasonably foreseeable when the relevant contract was formed.

Where permitted by law, Panmigo's aggregate liability arising from a particular purchased eSIM Service will not exceed the amount paid to Panmigo for that affected Service.

These limitations do not apply where liability cannot lawfully be excluded or limited, including where applicable law prohibits exclusion or limitation of liability for:

Fraud;
Fraudulent misrepresentation;
Death or personal injury caused by negligence where such liability cannot be excluded;
Mandatory consumer protections;
Other matters that cannot legally be excluded or limited.

Nothing in this Section excludes or restricts any liability that cannot lawfully be excluded or restricted under applicable consumer protection law, including applicable Hong Kong consumer protection legislation.

Nothing in these Terms limits your mandatory consumer rights.

23. Events Beyond Our Reasonable Control

Panmigo will not be responsible, to the extent permitted by applicable law, for delays or failures caused by circumstances outside our reasonable control, including:

Natural disasters;
Severe weather;
War;
Civil disturbance;
Government action;
Legal or regulatory restrictions;
Telecommunications infrastructure failures;
Widespread network outages;
Internet or infrastructure failures;
Other comparable events beyond our reasonable control.

This Section does not affect:

Any refund or remedy expressly available under the Panmigo Refund Policy; or
Any mandatory right or remedy available under applicable law.

24. Privacy

Our collection, use, storage, disclosure, and protection of personal information are governed by the Panmigo Privacy Policy.

The Privacy Policy forms part of these Terms.

25. Changes to These Terms

Panmigo may update these Terms from time to time because of changes to:

Our Services;
Technology;
Network partners;
Service providers;
Business practices;
Legal or regulatory requirements.

The latest version will be made available through Panmigo's website or application.

Where required by applicable law, material changes will be communicated through an appropriate notice.

Changes will not retroactively remove rights that have already accrued unless permitted by applicable law.

The "Last Updated" date at the top of these Terms identifies the date of the most recent revision.

26. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will remain in effect to the maximum extent permitted by applicable law.

Where appropriate, an invalid or unenforceable provision will be interpreted or modified only to the minimum extent necessary to make it valid and enforceable.

27. No Waiver

If Panmigo does not immediately enforce a provision of these Terms, this does not constitute a waiver of our right to enforce that provision later.

A waiver is effective only to the extent expressly provided.

28. Entire Agreement

These Terms, together with:

The Panmigo Privacy Policy;
The Panmigo Refund Policy;
Product-specific terms displayed before purchase; and
Any other terms expressly incorporated by reference,

constitute the agreement between you and Panmigo regarding the relevant Services.

29. Applications Obtained from the Apple App Store

The following additional terms apply where you obtained the Panmigo application from the Apple App Store. In this Section, "Apple" means Apple Inc. and its subsidiaries.

These Terms are concluded between you and Panmigo only, and not with Apple. Panmigo, not Apple, is solely responsible for the Panmigo application and its content.
The licence granted to you for the Panmigo application is a non-transferable licence to use the application on any Apple-branded device that you own or control, as permitted by the Usage Rules set out in the Apple Media Services Terms and Conditions.
Apple has no obligation to furnish any maintenance or support services in respect of the Panmigo application.
If the Panmigo application fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price of the application to you, if any. To the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever with respect to the application.
Panmigo, not Apple, is responsible for addressing any claim by you or any third party relating to the Panmigo application or your possession or use of it, including product liability claims, any claim that the application fails to conform to any applicable legal or regulatory requirement, claims arising under consumer protection or similar legislation, and intellectual property infringement claims.
You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
Apple and its subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms Apple will have the right, and is deemed to have accepted the right, to enforce these Terms against you as a third-party beneficiary.

30. Governing Law and Disputes

These Terms are governed by the laws of the Hong Kong Special Administrative Region, without regard to conflict-of-law principles.

Subject to mandatory rights available to you under applicable consumer law, disputes arising out of or relating to these Terms or the Services will be subject to the jurisdiction of the courts of Hong Kong.

If applicable consumer law in your place of residence provides you with mandatory rights to bring proceedings in another jurisdiction or otherwise provides protections that cannot legally be waived, nothing in these Terms deprives you of those rights or protections.

31. Contact Us

If you have questions regarding these Terms or the Services, contact:

Company name: WEALTHY STAR INTERNATIONAL CAPITAL LIMITED
Operating brand: Panmigo
Registration No.: 66796344-000-10-25-7
Registered in: Hong Kong
Registered address: FLAT D 22/F YHC TOWER, 1 SHEUNG YUET ROAD, KOWLOON BAY, KL
Email: support@panmigo.com