Terms of use

Last updated: 3 November 2026

By using Panorama you accept these terms. We've kept them short.

1. What the site offers

General information on stock exchanges (hours, market status, holidays, official links), weather forecasts, football and horoscopes, free of charge and without registration, funded by advertising.

2. Not financial advice

Nothing here is an offer, recommendation or analysis of any investment, and we don't show share prices. Check official sources and, if you need advice, speak to a firm authorised by the Financial Conduct Authority.

3. Third-party data

Weather and football data come from external sources credited on each page and on our About page. They may be delayed, wrong or unavailable; we always show when they were last updated. Forecasts are estimates: for official warnings, follow the Met Office.

4. Horoscopes

They're entertainment, with no scientific basis.

5. Acceptable use

You may read, share links and quote short extracts with credit. Please don't copy the site wholesale, scrape it in a way that burdens our servers, or resell the data: our sources' licences have their own conditions, which apply to you too.

6. Content and trade marks

Text and design belong to Panorama. Names of exchanges, indices, clubs and leagues belong to their owners and are used only to identify them, not to suggest any endorsement.

7. Links

We don't control third-party websites and aren't responsible for their content.

8. Liability

We work to keep the site accurate and available, but it may be offline or contain errors. Nothing in these terms excludes liability that cannot be excluded by law, such as for death or personal injury caused by negligence or for fraud, and nothing affects your statutory rights as a consumer.

9. Newsletter

Free, confirmed by email, cancel at any time. See the Privacy notice.

10. Contact

contato@lpatech.com.br

11. Premium

Premium is a monthly subscription with no adverts and the daily email digest. You see the price before you subscribe, and it is the total you pay. Payments are processed by Stripe (card, Apple Pay, Google Pay).

It renews automatically every month until you cancel. You can cancel at any time in your account, and Premium stays on until the end of the period you’ve paid for.

Your right to cancel within 14 days

You can cancel the contract within 14 days of subscribing without giving a reason. To do so, send a clear statement to contato@lpatech.com.br. By subscribing you ask for Premium to start straight away, so if you cancel within those 14 days you pay only for the time used and we refund the rest within 14 days of your notice, using the same payment method.