Privacy Policy

Last updated: 6 September 2026.

This Privacy Policy describes our policies and procedures on the collection, use and disclosure of your information when you use this website, and tells you about your privacy rights and how the law protects you.

We use your personal data to provide and improve this website. By using this website, you agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

In this policy, “we”, “us” and “our” mean Liz Larroquette, and “you” means the individual accessing or using this website, or the company or other legal entity on whose behalf that individual is accessing or using it. The policy covers Liz Larroquette Investing in Panama, accessible from https://lizlarroquette.com/ and https://flipbooks.lizlarroquette.com/, and it applies whichever device you use to reach them — a computer, a cellphone, a digital tablet, or anything else that can open a web page. The countries it refers to are Panama and the United States.

Personal data is any information that relates to an identified or identifiable individual. Usage data is data collected automatically, either generated by the use of this website or by the website infrastructure itself — the duration of a page visit, for example. Cookies are small files that a website places on your computer, mobile device or any other device, containing the details of your browsing history on that website among its many uses. A service provider is any person or company that processes data on our behalf: a third-party company or individual we employ to facilitate this website, to provide it on our behalf, to perform services related to it, or to assist us in analyzing how it is used.

Collecting and Using Your Personal Data

While you are using our website, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to:

• Email address
• First name and last name
• Phone number
• Address, State, Province, ZIP/Postal code, City
• Usage data

Usage Data

Usage data is collected automatically when you are using this website.

Usage data may include information such as your device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our website that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When you access this website by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device you use, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.

We may also collect information that your browser sends whenever you visit our website or when you access this website by or through a mobile device.

Tracking Technologies and Cookies

We use cookies and similar tracking technologies to track the activity on our website and store certain information. Tracking technologies used are beacons, tags, scripts, and session-replay tools that record how you move through and interact with a page, to collect and track information and to improve and analyze our website. The technologies we use may include:

• Cookies or browser cookies. A cookie is a small file placed on your device. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some parts of our website. Unless you have adjusted your browser setting so that it will refuse cookies, our website may use cookies.
• Web beacons. Certain sections of our website and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be “persistent” or “session” cookies. Persistent cookies remain on your personal computer or mobile device when you go offline, while session cookies are deleted as soon as you close your web browser.

We use both session and persistent cookies for the purposes set out below:

• Necessary / essential cookies. Type: session cookies. Administered by: us. Purpose: these cookies are essential to provide you with services available through this website and to enable you to use some of its features. Without these cookies, the services that you have asked for cannot be provided, and we only use these cookies to provide you with those services.
• Functionality cookies. Type: persistent cookies. Administered by: us. Purpose: these cookies allow us to remember choices you make when you use this website, such as remembering your language preference. The purpose of these cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time you use this website.

Use of Your Personal Data

We may use personal data for the following purposes:

• To provide and maintain our website, including to monitor the usage of our website.
• For the performance of an agreement: the development, compliance and undertaking of any agreement between you and us, including one entered into through this website.
• To contact you: to contact you by email, telephone call, text message, or other equivalent forms of electronic communication, regarding updates or informative communications related to the services you have asked us about, including the security updates, when necessary or reasonable for their implementation.
• To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already inquired about unless you have opted not to receive such information.
• To manage your requests: to attend and manage your requests to us.
• For business transfers: we may use your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal data held by us about our website users is among the assets transferred.
• For other purposes: we may use your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our website, products, services, marketing and your experience.

We may share your personal information in the following situations:

• With service providers: we may share your personal information with service providers to monitor and analyze the use of our website, to contact you.
• For business transfers: we may share or transfer your personal information in connection with, or during negotiations of, any merger, sale of our assets, financing, or acquisition of all or a portion of our business to another company.
• With business partners: we may share your information with our business partners to offer you certain products, services or promotions.
• With your consent: we may disclose your personal information for any other purpose with your consent.

Retention of Your Personal Data

We will retain your personal data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your personal data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

We will also retain usage data for internal analysis purposes. Usage data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our website, or we are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including personal data, is processed at our operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those in your jurisdiction.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your personal data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Delete Your Personal Data

You have the right to delete or request that we assist in deleting the personal data that we have collected about you.

You may contact us to request access to, correct, or delete any personal information that you have provided to us.

Please note, however, that we may need to retain certain information when we have a legal obligation or lawful basis to do so.

Disclosure of Your Personal Data

Business transactions. If we are involved in a merger, acquisition or asset sale, your personal data may be transferred. We will provide notice before your personal data is transferred and becomes subject to a different Privacy Policy.

Law enforcement. Under certain circumstances, we may be required to disclose your personal data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements. We may disclose your personal data in the good faith belief that such action is necessary to:

• Comply with a legal obligation
• Protect and defend our rights or property
• Prevent or investigate possible wrongdoing in connection with this website
• Protect the personal safety of users of this website or the public
• Protect against legal liability

Security of Your Personal Data

The security of your personal data is important to us, but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security.

SMS and Text Messaging

Programme name: Liz Larroquette property and relocation updates. If you give us your mobile number and opt in, we may send you text messages about your enquiry, about properties and availability, and about scheduling calls and viewings. These are the only messages this programme sends.

If you check the SMS consent box on one of our forms, or give consent by telephone or in writing, Liz Larroquette may send you text messages about the property and relocation services you asked about, including updates about properties, appointments, and your enquiries.

Consent to receive text messages is optional and is never a condition of any purchase. You can submit any form on this site, and we will still respond, without agreeing to receive text messages.

Message frequency varies. Message and data rates may apply. Reply STOP to any message to opt out, or START to rejoin. Reply HELP for assistance, or reach us at liz@lizlarroquette.com or (+507) 6981-1717 (Panama) or (502) 630-0318 (U.S.). Carriers are not liable for delayed or undelivered messages.

To opt out, reply STOP to any message from us. We will send a single confirmation and then stop. To rejoin afterwards, reply START to the same number, or opt in again through any form on this site.

For help, reply HELP to any message, or contact us at liz@lizlarroquette.com or (+507) 6981-1717 (Panama) or (502) 630-0318 (U.S.).

When you consent to receive text messages we keep a record of that consent — the date and time, the form or method used, the wording you agreed to, the telephone number, and the IP address from which consent was given — so that we can demonstrate your consent if we are asked to. We keep that record for as long as you remain opted in, and afterwards for as long as we are required to retain it.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

The above excludes text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message services.

Children’s Privacy

Our website does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us. If we become aware that we have collected personal data from anyone under the age of 13 without verification of parental consent, we take steps to remove that information from our servers.

If we need to rely on consent as a legal basis for processing your information and your country requires consent from a parent, we may require your parent’s consent before we collect and use that information.

Links to Other Websites

Our website may contain links to other websites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the privacy policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will let you know via email and/or a prominent notice on our website, prior to the change becoming effective, and update the “Last updated” date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, you can contact us:

• By email: liz@lizlarroquette.com
• By telephone: (+507) 6981-1717 (Panama) or (502) 630-0318 (U.S.)

Terms of Use

Agreement to These Terms

These terms apply when you use this website. By browsing the site, submitting an inquiry form, or asking us to contact you, you agree to them. If you do not agree, please do not use the site.

Who May Use This Site

You must be at least 18 years old to use this site or to submit any inquiry through it.

What This Site Is — and What It Is Not

This website is an information and referral service. It describes properties, locations and services in Panama, and it lets you ask us to get in touch. We are not a licensed real estate broker or agent in the United States, in Canada, or in any jurisdiction where you may be reading this. We do not list, sell, or convey property. We do not hold client funds and we do not act as an escrow agent. We are not a law firm, a tax adviser, an immigration adviser, a financial adviser, or an investment adviser. Any property purchase you go on to make is a separate transaction between you and the seller, developer, or licensed professional involved; these terms do not govern it, and we are not a party to it.

No Advisory or Agency Relationship

Using this website does not create an advisory, agency, fiduciary, brokerage, or representation relationship between you and us. Sending an inquiry through this site does not create one either, and neither does our replying to you. A relationship of any kind arises only under a separate written agreement signed by both of us. Until that exists, please do not send us confidential or sensitive information, and please do not rely on anything on this site or in our correspondence as advice given for your particular circumstances.

Information on This Site

Property descriptions, prices, availability, specifications, floor plans, renderings, timelines and location information come substantially from developers, sellers and other third parties. We do not independently verify that information, and it may be incomplete, out of date, or wrong. Prices and availability change without notice. Any statement about the future — a projected completion date, an anticipated rental yield, an expected appreciation, a planned amenity or infrastructure project — is a forward-looking statement, not a promise. Verify anything that matters to you directly with the developer or seller, and take independent professional advice, before you commit money.

Intellectual Property

The copyright, trademarks and other intellectual property rights in this website and its content belong to Liz Larroquette or to our licensors. You may view and print pages for your own personal, non-commercial use. Without our written permission, you may not republish material from this website, including on another website; sell, rent, or sub-license it; reproduce, duplicate, copy or create derivative works from it for any commercial purpose; or use any content from it for a marketing purpose of your own. Photographs and renderings supplied by developers remain the property of their owners and are used here to describe the properties concerned.

Acceptable Use

Use this site lawfully, and in a way that does not restrict anyone else’s use of it. You must not harass or cause distress to any person through this site, transmit unlawful or offensive material, attempt to gain unauthorized access to any part of the site or its underlying systems, introduce malicious code, or scrape or harvest the site by automated means. You must not use this site or any address collected from it to send unsolicited commercial communications.

Disclaimer of Warranties

This website and its content are provided “as is” and “as available”, without warranty of any kind, whether express or implied. We specifically disclaim the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted or error-free, that defects will be corrected, or that the site is free of harmful components.

Limitation of Liability

To the fullest extent the law allows, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or opportunity, arising out of your use of — or inability to use — this website or its content, even if we have been advised that such loss was possible. Nothing in these terms excludes or limits our liability for fraud, fraudulent or negligent misrepresentation, willful injury, death or personal injury caused by our negligence, or any other liability that cannot lawfully be excluded. Some jurisdictions do not allow the exclusion or limitation of certain damages, so parts of this section may not apply to you.

Governing Law and Where Disputes Are Heard

These terms, and any dispute about this website or our informational and referral service, are governed by the laws of the Republic of Panama, and such disputes will be brought in the courts of the Republic of Panama. This does not apply to any property transaction, which is governed by its own contract and by the law of the place where the property is located. If you are a consumer, this does not take away rights you already have: you keep the protection of any mandatory consumer-protection provisions of the law of the country, state, or province where you live. Where local law prevents a dispute from being heard in the courts named above, you may bring it in your local courts; and where local law prevents your local court from applying the law named above, your local law governs instead. You may also bring a qualifying claim in a small-claims court where you live.

Disclaimer

General Information Only

We provide the information on this website as a service to the general public. It is general information only. While this website discusses property, relocation, residency, and related matters in Panama, it is not intended as, and is not a substitute for, the particularized advice of your own licensed attorney, accountant, tax adviser, immigration adviser, financial adviser, surveyor, or licensed real estate professional. This website may include inaccuracies or typographical errors, and its materials do not necessarily reflect the current position of any developer, owner, or third party referred to.

No Professional Advice

The content of this website is provided for general informational and educational purposes only. It does not constitute legal, tax, accounting, immigration, residency, financial, investment, engineering, construction, environmental, or valuation advice, and must not be relied upon as a substitute for advice from a qualified professional licensed in the relevant jurisdiction. We do not provide any of these services. Panamanian property law, tax law, residency requirements, and the treatment of foreign property under your home country’s tax rules are complex, differ by individual circumstance, and change over time. Before making any decision relating to property, residency, or the movement of funds, you should consult, at your own cost and selection, a licensed Panamanian attorney for title, contract, and closing matters; a licensed Panamanian public notary for the execution of instruments; a qualified tax adviser in your country of residence and citizenship; a licensed immigration or residency adviser; an independent financial adviser; an independent surveyor, engineer, or building inspector; and your own independent financing or mortgage adviser. Any use of or reliance upon the information on this website is solely at your own risk.

No Investment Representations; No Offer of Securities

No statement on this website is a representation as to the investment merit, future profitability, rental income, occupancy, resale value, or capital appreciation of any property. We are neither an investment adviser nor a tax adviser. Nothing on this website constitutes an offer to sell, or the solicitation of an offer to buy, any security, nor an offer of any participation in a rental pool, managed rental program, leaseback, guaranteed return, fractional interest, or other profit-sharing arrangement, and we do not offer, promote, or arrange any such program. Real property is an illiquid asset, and property purchased outside your country of residence carries additional risks — currency risk, differences in legal systems and title registration, differences in enforcement and remedies, political and regulatory change, developer insolvency, construction delay, and limited or absent recourse under the consumer protection or securities laws of your home jurisdiction. You may lose some or all of the money you invest.

Forward-Looking Statements

Some statements on this website are forward-looking: projected construction or delivery dates, projected completion of amenities or infrastructure, projected rental demand, projected occupancy, projected yields or returns, projected operating costs, and projected changes in property values or in the Panamanian market generally. They are identified by words such as “expects”, “projected”, “estimated”, “anticipated”, “planned”, “will”, “should”, or similar terms. Forward-looking statements are not statements of historical fact, are not guarantees, and are not promises. Actual results may differ materially, for reasons including construction delay or non-completion; changes in developer plans, financing, or solvency; changes in Panamanian law, taxation, zoning, permitting, or residency rules; changes in interest rates or the availability of financing; currency fluctuation; changes in tourism, rental demand, or short-term rental regulation; changes in insurance and utility costs; homeowners association and maintenance costs; natural events; and general economic conditions. Past performance is not an indicator of future results, and we undertake no obligation to update any forward-looking statement.

Pre-Construction and Off-Plan Projects

Certain properties described on this website are under construction, planned, or offered off-plan. For any such property: renderings, sketches, floor plans, elevations, site plans, and graphic materials are conceptual and proposed only, and the developer reserves the right to modify, revise, or withdraw any of them; dimensions, areas, and square footage are approximate and may vary from actual construction; photographs may be stock photography or taken off-site; amenities, finishes, appliances, landscaping, and views may change, may be optional at additional cost, or may not be built, and views are not guaranteed; nearby attractions, businesses, restaurants, schools, and services are not part of any development; projected completion and delivery dates are estimates only; and permits, approvals, and registrations may still be pending. Before entering any promise-of-sale or purchase contract for an off-plan property, obtain independent review by a licensed Panamanian attorney of your own choosing — covering at minimum the delivery date and the remedies for delay, the specifications annexed to the contract, the treatment and security of any deposit or advance payment, the developer’s corporate standing and warranty obligations, and title.

Property Information

Information about properties on this website — descriptions, photographs, floor plans, dimensions, areas, lot sizes, features, titles, boundaries, taxes, fees, and availability — is obtained from developers, owners, licensed brokers, and other third parties, and is deemed reliable but is not guaranteed. We have not independently verified it and make no warranty as to its accuracy, completeness, reliability, timeliness, or fitness for any purpose. All of it must be independently verified by you and by your own professional advisers before you rely on it, including title and encumbrances, boundaries and survey, permitted use and zoning, measured area, structural condition, utilities and access, outstanding taxes and association fees, and any restriction on foreign ownership or use. Prices, availability, terms, incentives, and specifications are indicative and subject to change or withdrawal at any time without notice, and prices shown may not include transfer tax, capital gains withholding, notary fees, registration fees, legal fees, association dues, furnishing packages, or other applicable charges. Currency amounts are shown in US dollars unless stated otherwise. A property shown on this website may already be under contract or sold.

Advertising, Sponsorship, Affiliate Links, and How We Are Paid

Assume that we may be compensated in connection with any property, developer, product, or service described on this website. Compensation may take the form of a referral fee, an introduction fee, or a share of a commission in connection with any resulting transaction — customary in the Panamanian property market, typically paid by the developer, seller, or provider rather than by you, and it does not increase the price you pay; sponsored or paid content, labeled as such on the page itself; paid advertising, which is not an endorsement; affiliate links, at no additional cost to you; and complimentary or discounted travel, accommodation, site visits, meals, or access. We describe only properties and providers we are willing to stand behind, and being compensated does not change what we tell you about a property. But because compensation may exist, you should not treat anything on this website as independent or impartial advice, and you should obtain your own independent professional advice before making any decision.

No Warranty

The content of this website is provided as is, without warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Corrections

If you believe anything on this website is inaccurate or out of date, please tell us and we will review it.