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PLEASE READ THIS PUBLISHER AGREEMENT (“AGREEMENT”) CAREFULLY BEFORE MAKING THE CONTENT (“YOUR CONTENT”) AVAILABLE TO PANACEA USERS VIA THE PANACEA PLATFORM.

ELIGIBILITY

In order to make Your Content available to Panacea, You must:

(i) sign up for an account or authorise Panacea to create an account and Your profile page on Your behalf on the Panacea Platform (Your “Panacea Account”);

(ii) be at least 18 years of age (or the age of majority in your state of residence if it is other than 18 or be entitled under legally recognized special circumstances) and, if You are making Your Content available to Panacea on behalf of an organization, You must be an authorized representative of such organisation with the authority to bind such organisation to these terms and agree to these terms on behalf of such organisation;

(iii) send an email to [email protected] confirming Your acceptance of the terms in this Agreement and providing the details of the content to be imported and its source, as well as the method of import ; and

(iv) Your Panacea Account must be active and in good standing. Panacea reserves the right to refuse participation to any applicant or participant at any time in its sole discretion.

INCORPORATION BY REFERENCE

The following additional Panacea terms, policies, and guidelines are expressly incorporated herein and form a binding part of this Agreement as if reproduced fully herein:
Panacea Privacy Policy
Panacea General Terms of Use
Panacea API Terms of Service

CERTAIN RIGHTS OF PANACEA

Panacea will solely control the Panacea Platform and all features and functionality thereof and will have the right to modify, change, or amend the same at all times, in its sole discretion. Panacea reserves the right to remove or delete any particular piece of Your Content from the Panacea Platform at any time, at its sole discretion, without cause and without notice to You before such action if the exigency so requires except that Panacea may notify you afterwards and all rights will automatically revert to you.

AUTHORISATION TO MAKE YOUR CONTENT AVAILABLE

By fulfilling the eligibility requirements listed and described above, You grant Panacea permission to import Your Content and make it available on the Panacea Platform.

Subject to your full and timely compliance with all of the terms and conditions set out in this Agreement, Panacea will host and distribute Your Content, including electronic documents, on the Panacea Platform. Panacea will encrypt your content to prevent unauthorised copying and distribution but does not guarantee that there will be no such attempt by a User or any other party of Your Content and will not be liable for same.

GRANT OF LICENSE TO PANACEA IN YOUR CONTENT

By making Your Content available via the Panacea Platform, in order to enable to publish and promote Your Content globally in a manner marketable and accessible to our subscribers and to keep Your Content competitive, Panacea is granted a worldwide licence to host, transfer, display, perform, reproduce, distribute, compress or convert for distribution, monetize, charge money for restrict access to download and otherwise utilize Your Content, in any media formats and through any media channels. Such licence will apply to any form, media, or technology now known or hereafter developed. Whether Your Content is made available under the free access or paid access terms, You grant Panacea the right to restrict access to view or to download Your Content (for example, without limitation, to paying Users) and to charge Users for access to your content.

Subject to the terms and limitations set forth herein, you may terminate this grant of licence to Panacea as to any specific piece of Your Content by requesting that piece of Your Content to be removed from the Panacea Platform; provided, however, that it is understood and agreed that Panacea may retain a copy of any of Your Content as necessary to make it available to any other User who has paid for that access, and provided further that Panacea may, but is not required to, retain indefinitely a copy of any of Your Content for archival purposes.

Subject to the licences granted herein, You retain all of Your ownership rights in Your Content made available and owned or licensed by You.

TERM AND TERMINATION

Term. The term of this Agreement will begin on the date You complete the eligibility requirements listed and described above and will continue until terminated in accordance with the provisions set forth in this Section (the “Term”).

Termination. Either party may terminate this Agreement by giving notice to the other of such intention. In case Panacea finds it difficult or impracticable to notify you before the termination, such shall be duly communicated as soon as possible afterwards in writing. You may terminate this Agreement by providing Panacea with written notification of intended termination through electronic mail to [email protected]. This Agreement will be deemed terminated by You fifteen (15) business days after Panacea’s receipt of such notification. Effect of Termination. Upon termination of this Agreement, any provision which, by its nature or express terms, should survive will survive such termination or expiration.

Retiring Your Content. If You choose to have Your Content deleted from the Panacea Platform it will not be available to Users following the date of such deletion (the “Deletion Date”). Notwithstanding the foregoing or anything else to the contrary in this Agreement, Panacea may permit those Users that purchased Your Content prior to the Deletion Date to continue to have access to Your Content after the Deletion Date, and Panacea may continue to reproduce, display, host, and otherwise use such Your Content as necessary to enable such access. Additionally, Users who have downloaded offline copies of Your Content (including, without limitation to, Panacea’s Mobile Applications), may continue to access that content. However Panacea shall immediately discontinue such reproduction, hosting display, etc as soon as subscription for same expires.

YOUR REPRESENTATIONS AND WARRANTIES

You are solely responsible for Your Content and the consequences of making it available on the Panacea Platform. By making Your Content available on Panacea Platform, You represent and warrant that:

(i) all the information that You provide to Panacea under this Agreement is current and accurate;

(ii) you are the creator and owner of or have the necessary licences, rights, consents, releases and permissions to use and to authorise Panacea and Panacea’s Users to use Your Content in the manner permitted herein;

(iii) Your Content does not and will not slander, defame, or libel any other party, violate any other party’s privacy or publicity rights or trade secret rights, be obscene, or otherwise unlawful;

(iv) you have not entered into any other agreement that is in conflict with the terms of this Agreement;

(v) Your Content does not contain any viruses, adware, spyware, worms, or other malicious code;

(vi)Your Content is free of any digital rights management, including any software designed to limit the number of times Your Content may be copied or played;

(vii) if Your content has been previously published in any form which is subject of this agreement, that the rights granted herein have been reverted to them;

(viii) should your content be part of a series, Panacea has first option on the rest of the series, or on any titles in which the characters appear;

(ix) a change of title of your content does not invalidate this agreement.

(x) no claim has been asserted nor have any proceedings been instituted by any third party against You or Your predecessors in title for the infringement of intellectual property rights in Your Content.

RELATIONSHIP OF THE PARTIES; REMEDIES CUMULATIVE

The parties are independent contractors with respect to each other. This Agreement does not constitute and may not be construed as constituting a partnership or joint venture among the parties hereto, or an employee-employer relationship. No party shall have any right to obligate or bind any other party in any manner whatsoever, and nothing herein contained shall give, or is intended to give, any rights of any kind to any third parties. Rights and remedies provided in this Agreement are cumulative and not exclusive of any right or remedy provided at law or in equity.

PAYMENT

Subject to the subscription plan or package used to rent a material/resource, premium content owners shall be entitled to royalty ranging between fourty naira (N40) and seventy naira (N70) per rental which may however be reviewed from time to time depending on prevailing circumstances.

REVIEW

Notwithstanding that this agreement shall be binding on the parties, Panacea reserves the right to alter the terms as circumstances may warrant to suit peculiar content; Provided always that Panacea shall sufficiently inform you either by general notice published on its website or email or any other effective means, of any intended alteration”

ARBITRATION

Any controversy, claim or dispute arising out of or relating to these Terms and Conditions of Use will be referred to and finally settled by private and confidential binding arbitration before two Arbitrators, one of whom shall be appointed by either party. The arbitration shall be held in Nigeria in English and governed by Nigeria law pursuant to the Arbitration and Conciliation Act Cap A18 Laws of the Federation of Nigeria 2004, as amended, replaced or re-enacted from time to time. The arbitrator shall be a person who is legally trained and who has experience in the information technology field in Nigeria. Notwithstanding the foregoing, Panacea reserves the right to pursue the protection of intellectual property rights and confidential information through injunctive or other equitable relief through the court.

LITIGATION

If, at any time during the effective term of this Agreement, a claim shall arise by or against a third party for infringement or unfair competition as to any of the rights which are the subject of this Agreement, the parties may proceed jointly or separately to prosecute an action based on such claims. If the parties proceed jointly, the expenses (including legal fees) and recovery, if any, shall be shared equally by the parties. If the parties do not proceed jointly, each party shall have the right to proceed separately, and if so, such party shall bear the costs of litigation and shall own and retain any and all recovery resulting from such litigation in so far as such bothers on the rights to which such a party is originally wholly entitled to under the Agreement. Notwithstanding the foregoing, Panacea has no obligation to initiate litigation on such claims, and shall not be liable for any failure to do so.

Provided that if a judgment is obtained against Panacea for usurping rights still controlled by any other entity other than Panacea or the Author, the Author agrees to hold the Panacea harmless and to indemnify Panacea for damages and costs. If Panacea prevails against a suing party or resolves the matter by an out of court settlement, the Author will be liable to indemnify Panacea for defense and settlement cost.

SEVERABILITY

If any portion of these terms or conditions is held by any court or tribunal to be invalid or unenforceable, either in whole or in part, then that part shall be severed from these Terms and Conditions of Use and shall not affect the validity or enforceability of any other section listed in this document.

FORCE MAJEURE

The failure of Panacea to publish or republish any of your content shall not be deemed to be a violation of this Agreement or give rise to any right of termination or reversion or termed a dispute giving rise to arbitration if such failure is caused by restrictions of government agencies, labor disputes, or inability to obtain the materials necessary for its publication, or occurs for any other reason beyond the control of Panacea; and in the event of delay from any such cause, the publication date or reissue may be postponed accordingly.

NOTICE

Notwithstanding anything to the foregoing, Panacea shall notify you of any alteration affecting your content or earning. Any notice herein mentioned shall be sufficient if sent by email.

Please do not hesitate to contact our Support Team if you have any questions about the terms of this agreement.

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How it works info

© 2019 www.panacea.ng

The Panacea platform and any copyrights and copyright registrations and applications, rights in ideas, works of authorship, derivative works, and all other intellectual property rights (collectively, "Intellectual Property") relating to the panacea.ng platform and its participating partners, authors, publishers, and journals are proprietary to panacea.ng or, as applicable, the aforementioned entities, subject to the rights of third parties.
Except as permitted by law, you may not reproduce or communicate any of the content on this website without express permission of the copyright owner.

Terms

Welcome to panacea.ng. By accessing this web site, you are agreeing to be bound by these website Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, then you may not use or access this site. The materials contained in this website are protected by applicable copyright and trade mark law.
The terms ‘us’, ‘we’, ‘Panacea’ or any reference to the panacea.ng platform refers to the owner or principal administrators of this website; on the other hand, the term ‘you’ refers to the user or viewer of the website (i.e. your person).

Use Licence

The content of the pages (and posts) of Panacea.ng is for your general information and use only. This information is subject to change without any prior notice.
panacea.ng contains and utilises content and materials which are owned by or licensed to us exclusively. These materials include, but are not limited to, the design, layout, look, appearance and graphics.
Unauthorised reproduction is strictly prohibited. Unauthorised use of this website may give rise to a claim for damages and/or be a criminal liability to the full extent of the prevailing law at the time of breach.

Disclaimer

In as much as the panacea.ng team works very hard to provide you with first-rate information that is up to date, relevant and suitable for the intended purpose, neither panacea.ng nor any third parties provides warranties or guarantees (of any sort) as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors (that may be by nature outside our immediate human control or knowledge) and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by prevailing law.

Limitations

Your use of any information or materials on this website is entirely at your own personal/business risk, for which we shall not be liable (in the event of any mishap – personal or business wise).
It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

Comments

Visitors are encouraged to leave comments on any post that allows commenting. Please make an effort to leave comments that are relevant to the topic and further the conversation. Simple comments such as “thank you” or “great work” may be kind, but do not add to the experience for other readers.
Comments such as these may be deleted.
Comments that appear to only have the purpose of promoting other websites or commercial ventures will also be deleted. This site uses advanced spam control, so most spam comments will never make it to the webpage. Additionally, we will report any commenter as a spammer if they attempt to leave unrelated, self-promoting links on this site.
When leaving a comment, users are warned not to use only keywords for their website. Names with overt keyword plugs will be deleted. You may use your personal name or a branded pseudonym when leaving comments. You may also include a link in your comment if that link is relevant to the topic being discussed.

Age of Consent

By using the panacea.ng platform, you hold that you are at least the age of majority in your country, state or place of residence and that you have given us your consent to allow any of your minor dependents to use this site.

Links

To serve you effectively and in a most beneficial manner, this website links to other sites as may be necessary. These links are provided for your convenience and to provide further information. This act does not indicate an endorsement of that website’s content. We cannot fully endorse all content or ensure that content is not changed subsequent to our recommendation.
panacea.ng reserves the right to earn commissions off any website or product linked to from within this site. The details of how this is done are contained in our Affiliate Disclosure.

Revisions and Errata

The materials appearing on panacea.ng could include technical, typographical, or photographic errors. These Terms of Use will be renewed as the need arises. Such revisions will however be made public on this page. By continuing to access or use our website after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the website.
Please contact us if you have any questions about these Terms of Use or if you need to further clarify any point.

We totally respect your online privacy and we are committed to protecting it while creating fulfilling experience at Panacea.ng. We have provided the policies and disclosures so that you may understand how we run this site and how we protect your privacy.

Aggregate Visitor Information

The server automatically recognises anonymous information for each website visitor. These bits of information include date and time of visit, the pages you access, the name of your ISP, browser used and connection speed. This data is aggregated with all other visitor information and does not allow for specific identification of any particular user. The information serves to improve the website, analyse trends and improve user experience.

As part of our efforts to bring you online offers that could benefit you, you may find ads and recommended products/services on the website. When you interact with such ads, the respective companies may collect information such as your domain type, IP address and other anonymous data. Under no circumstance will your personal contact information be collected without your consent. For further information, see the privacy policies of any advertiser you find on our site.

Visitor Contact Information

We will not collect your personal information without your knowledge and consent. We require the first names and email addresses of visitors who choose to interact with me us via email, contact form or comments on the website. Visitors may also provide links to their websites, responses to reader polls or other information when using the site. Personal contact and financial information may be collected from visitors who make purchases on the site or register for additional access or services. Any financial information provided by the user will be transmitted through a secure server.

The information we collect is used to improve the content of our website and to contact readers for personal communication and marketing purposes. We do not sell or distribute any contact information to other businesses or organisations unless required by a financial institution to complete a financial transaction initiated by the visitor.

However, we may disclose your personal information if we are required by law to do so – especially if there is a court order or statute to the effect. Website administrators may also disclose your personal information if you violate our Terms of Use. Your contact information will not be given to others who might want to sell things to you unless you specifically request it.

Any email or postal mail from Panacea.ng to promote our site or services will be infrequent and provide you with an option to withdraw your consent. If you do not want to receive email from us, please let us know by sending me us email, or contacting us through the website contact form. Our email and postal mail addresses are at the bottom of this document. Visitors who supply us with their telephone numbers online will only receive telephone contact from us with information regarding orders they have placed online or for specifically requested reasons.

Cookies

Like many websites on the Internet, this website may use cookies to track information relevant to affiliate marketing, advertising and to improve the user experience. A cookie is a small piece of data written on a user’s hard drive that records information about a visitor to be used at a later time. Cookies help to improve speed and most importantly, remember your personal preferences when you revisit.

If you do not want cookies to be added to your hard drive during your visit, you may disallow cookies on your individual browser. The disable cookie function is found under options or settings on most browsers. You can also delete cookies that have been added to your computer through a feature.

Links

This site contains links to other sites and services. I encourage you to review the privacy statements of those sites and services that you choose to visit, so that you can understand how they may collect, use and share your personal information. We are not responsible for the privacy statements or practices of sites and services controlled by other companies or organisations.

Furthermore, the presence of a web link on Panacea.ng is not an endorsement of that website’s content. Although we may occasionally recommend some content found on a particular site, we cannot fully endorse all content or ensure that content is not changed subsequent to our recommendation.

Policy Changes

From time to time, we may update this privacy notice. We encourage you to periodically check back and review this policy so that you always will know what information is collected, how it is used, and to whom information is disclosed. Your continued use of Panacea.ng website following the posting of any changes to these terms implies that you have accepted those changes. This privacy was last updated on August 2, 2016.

Acceptance of Policies and Concerns

By using this site, you signify your agreement to the terms and conditions of this panacea.ng platform Privacy Policy. If you do not agree to these terms and conditions, please do not use the site. We reserve the right, at our sole discretion, to change, modify, add, or remove portions of this policy at any time. If you feel that we have not followed this website’s stated disclosure and privacy policy, please contact us.

Website Information

If you would like to retrieve, amend, correct or delete any personal information we have collected from you, register a complaint, or simply want more information, contact support [at] panacea.ng.

In the situation that you are charged for a transaction that did not succeed, we will issue a refund within 48hours.

Panacea is a subscription based platform for book lovers with a focus on the academic community and business world. Think of it as a very big library with lots of bookshelves. Apart from reading books, you can post reviews and ratings, and also see the reviews and ratings posted by other users. You can keep track of what you’ve read, what you’re reading and what you plan to read.

The platform is also equipped with features that allow you to interact with other book lovers. You can join a book club, participate in a discussion group or contribute to the forum and knowledge base.

It’s easy to get started. Just sign up and choose your preferred subscription plan. There are no contracts – you can upgrade, downgrade or cancel your subscription at any time.

What exactly is Panacea?

Panacea is an e-library where you can rent books/learning resources and connect with people of interest. Our web and mobile platforms are uniquely designed to enhance a great reading experience while also incorporating features like study mates, book clubs and a reward system that makes learning fun and profitable for readers, authors, publishers and all book lovers.

Why use Panacea?

We created Panacea to multiply the joy of reading and divide the burden so that you can read more and stress less. We give readers more value for money by providing access to a wide range of books at a fraction of the cost. You also get a much richer experience by finding a study mate and networking with other readers by joining or creating a book club.
As an author or publisher, we help you maximise your return on investment by making your books more readily accessible to a global audience. You also get the opportunity to make multiple earnings for the lifetime of each book without having to reprint or incur other related costs.

Are you not violating copyrights?

Panacea books are sourced directly from the copyright owners after signing necessary agreements. We have taken strict measures to prevent unauthorised access or distribution by serving the books and other resources in an encrypted format which can only be accessed on our platform. Our proprietary system ensures that the original file self-destructs, leaving only the encrypted version which cannot be downloaded or redistributed outside our platform.

What kind of resources can I access on the panacea.ng?

Our goal is to provide resources for all categories of readers from students to professionals, academics, researchers and lifelong learners. We are always adding new books to our collection. If you can’t find a book that you need, let us know and we’ll talk to the author or publisher.

What can I publish?

Panacea is a digital library that serves a wide range of readers; hence our openness to a broad spectrum of content. You can publish school textbooks, novels, biographies, business and inspirational books, journals, white-papers, academic papers, research-papers and other wholesome materials in text and audio formats provided you are the original copyright owner.

What is prohibited?

We do not accept content that is plagiarised or available in the public domain. We also have restrictions against materials could be offensive or violate basic principles of human conduct.

Am I protected from piracy?

We operate a closed system which ensures that your books can only be accessed on the Panacea reader through our web and mobile platforms. Original book files are programmed to automatically self-destruct as soon as they are uploaded to our platform thus preventing unauthorised distribution.

Any geographic restriction?

Panacea sets out to solve the problems of accessibility and affordability for Nigerian and African readers who are unable to buy as many books as they are required to read. However, we are open to readers, authors and book lovers all over the world.

Do I need to register to access the platform?

Registration on Panacea is absolutely free. You instantly gain unlimited access to all free contents immediately your account is verified. You will also be able to connect with study mates, create/join book clubs with your free account. You only pay when you're interested in accessing premium resources.

How much does it cost to subscribe?

The cost of subscription varies based on individual needs. Please refer to our pricing page for details of available plans.

What benefits do I get with my subscription?

As a subscriber, you have full access to the resources covered by your subscription plan. You will enjoy priority support and you chances of getting free passes to Panacea Events are higher.

How do I find what I’m looking for?

The resources on Panacea are arranged in categories. You can find what you’re looking for by browsing through the relevant category or by using the search function.

My question is not on the list, what do I do?

Please send an email to and we’ll get back to you promptly.

This functionality will be available soon

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New Password:

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How do I take tests?

Once you create and verify your account you can take any test by searching for it or using a custom link. No payment is required to take a test.

How many tests can I create?

With our basic plan you can create up to two public tests free of charge. To create a private test or more than two public tests, upgrade to one of our subscription plans.

Can I edit or delete my test?

Test once created and taken by at least one user cannot be deleted; it can however be disabled and enabled. Refer to Test Creation section for more information.

What happens when I want to create a test?

To create a test, you need to start by filling all the test parameters. Once the parameters for the test are validated and saved, the test will be created and assigned a unique ID. You will then proceed to enter test questions and correct answer for each question. You will also be able to set the pass/fail level and overall time required to finish the test.

In summary, two steps are involved in creating a test:

1. Enter all the required parameters for the test. Parameters are validated and test is created with a unique ID.

2. Enter each question, all possible available options and the correct option. Also enter the duration of the test, either by setting a time limit for each question or by setting overall time limit for the entire test.

Test is created and available for use instantly depending on the test parameters you set.
Note that all tests on Panacea Test are objective tests with maximum of five options as of this release. We will include other test formats in subsequent versions.

What are the test parameters?

• Test Title – This will be the name of the test itself and will be displayed on top of the test engine.
• Test Description – Give test takers some insight into what the test is about.
• Test Owner – This is the name and contact details (Phone/Email) of the person or organisation that is administering the test. Write it as you want it displayed on the test engine.
• Test Category – Choose your area of concentration from the list provided. Examples of categories include Science, Arts, Recruitment, Promotion, Personality Test and others. We can expand the categories as required.
• Test Type – Test type can be “Private” or “Public”. A public test will be searchable by any user on the platform based on the category of the test or by searching with the Unique ID of the test.
  It can also be found by using the unique link as provided at test creation.
  Once a test is found, it can be taken/attempted by the user.

What’s the difference between a private test and a public test?

A private test can only be found by:

• Searching for the unique ID of the test
• Going to the unique test link

A private test will require user to enter correct password before test can be taken.

What is a test password?

Test Password applies to private tests only. The password set at the time of creation will be required every time the test is to be taken.

How do I choose test mode?

You can choose Instant Result to have test takers receive their results instantly on submission or choose Result Later to have them receive it later by email or print.

Where do I retrieve test results?

Test histories, results and test takers analysis reports will be displayed on the test owner’s Test History page.

What happens when I want to take a test?

The first step is to find the test you would like to take.

1. If you are interested in taking random public tests, you simply need to use the search module to find what you desire. The search criteria will be based on the following parameters:
   • Unique ID
   • Test Category
   • Keyword (test title, test owner, etc)
   The returned search results will include Test Name, Test Category, Test Description and Test Owner. Once you select the desired test you will be taken to the test page where you can begin the test.
   
2. If you want to take a private test, you will have to search specifically for the test’s Unique ID. This is the only valid search criterion for private tests. The search will only return one result if found.
   The returned search results will include Test Name, Test Category, Test Description and Test Owner. You will be required to enter the correct password for the test before you are granted access to the test.
   
   If the Test Mode is Instant Result, you will get a screen display of the test scores and results immediately you submit your responses. The same result will be forwarded to your registered email address.
   If the Test Mode is Result Later, you will only receive the result later by email or post. The time of receipt will primarily depend on when the test owner chooses to initiate the request. The system will display a ‘thank you’ message at the end of the test and inform you that the result will be sent later.
   The contact details of the test owner will also be displayed along with the message.
   
   Each user can access test histories and results on the Test History page.

My question is not on the list, what do I do?

Please send an email to and we’ll get back to you promptly.

By using Panacea Test you can enjoy the benefits of computer-based tests infrastructure without having to incur the full deployment costs or worry about the maintenance.

You can focus on your core deliverables while our platform handles your assessments seamlessly.

Here are some of the benefits you enjoy:

• Tests are marked instantly and results sent automatically.
• Users can administer and take tests anytime and from anywhere as long as they have internet connection.
• Get more value for your time by automating assessment and results collation.
• Save money by cutting out the costs of printing exam papers.
• Back up your data safely and securely on the cloud.

Once you create an account on Panacea Test you can use the platform as a test owner or a test taker. You can switch between roles as it serves your purpose per time.
This means that as a user on Panacea Test, you can create your own tests, take your own tests and also take tests from other users on the platform. If you already have a verified account on Panacea e-library you can access Panacea Test with the same login details.

Old Password:

New Password:

Confirm Password: