Site Disclaimer

Last updated: 25 July 2026. Please read this page alongside our Terms & Conditions and Privacy Policy.

General Information Only

Liz Larroquette provides the information on this website as a service to the general public. Use of this website does not in any manner create an advisory, agency, brokerage, or fiduciary relationship between Liz Larroquette and any user. While this website discusses property, relocation, residency, and related matters in Panama, it is not intended as, and is not a substitute for, the particularised advice of your own licensed attorney, accountant, tax adviser, immigration adviser, financial adviser, surveyor, or licensed real estate professional. Anyone seeking advice on a specific matter should retain an appropriately licensed professional in the relevant jurisdiction.

This website may include inaccuracies or typographical errors. The materials here do not necessarily reflect the current position of Liz Larroquette or of any developer, owner, or third party referred to, and are not guaranteed to be correct, complete, or up to date. Views and opinions expressed are those of their authors.

Who We Are, and What We Are Not

Liz Larroquette is not a licensed real estate brokerage in the United States or Canada, is not a member of any multiple listing service, and does not operate an IDX or listings portal. We do not list, sell, or convey property, we do not hold client funds, and we do not act as an escrow agent.

Licensed brokerage services in respect of any property referred to on this website are provided by the licensed Panamanian real estate broker (corredor de bienes raíces idóneo) or by the developer’s own licensed sales team, and not by Liz Larroquette.

Nothing on this website is an offer to sell, or a solicitation of an offer to buy, real property in any jurisdiction in which Liz Larroquette is not licensed, or in which such an offer or solicitation would be unlawful.

No Advisory or Agency Relationship

Sending a message, submitting a form, or calling Liz Larroquette does not create an advisory, agency, brokerage, or fiduciary relationship, and does not make you a client. No such relationship is formed until Liz Larroquette and you have signed a written engagement describing the services to be provided.

Until that exists, please do not send confidential, financial, or time-sensitive information through this website. Information sent before an engagement is signed is not treated as confidential, and Liz Larroquette remains free to assist others whose interests may differ from yours.

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. Liz Larroquette does 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, including as to any reporting obligation arising from foreign asset ownership;
• 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. No statements or representations have been made by Liz Larroquette, or by any of its agents or representatives, with respect to any potential for future profit, any future appreciation in value, any investment opportunity potential, any rental income potential, the ability or willingness of any developer or third party to assist any buyer in financing, renting, or reselling a property, the economic or tax benefits to be derived from the managerial efforts of a third party as a result of renting a property, or the economic or tax benefits of ownership. Liz Larroquette is 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 programme, leaseback, guaranteed return, fractional interest, or other profit-sharing arrangement. Liz Larroquette does not offer, promote, or arrange any such programme. Any rental or property management arrangement a purchaser may enter into is a separate matter, entered into after purchase, at the purchaser’s own election, with a provider of the purchaser’s own choosing, and is not a condition of any purchase.

Real property is an illiquid asset. Property purchased outside your country of residence carries additional risks, which may include 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.

This website is not directed at, and its contents are not an offer or solicitation to, any person in any jurisdiction where such an offer or solicitation, or the making of the information available, would be unlawful or would require Liz Larroquette to be licensed or registered. The availability of any property or service described here may be restricted depending on where you reside.

Forward-Looking Statements

Some statements on this website are forward-looking. These include, without limitation, statements about 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. Forward-looking statements 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. Important factors that could cause actual results to differ include, without limitation: 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 in Panama and in purchasers’ home countries. Past performance is not an indicator of future results. Liz Larroquette undertakes 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. They are artists’ impressions provided for convenience of reference and should not be relied upon as representations of the final detail of any residence, building, or development.
• The developer reserves the right to modify, revise, or withdraw any of the foregoing at its discretion.
• Dimensions, areas, and square footage are approximate and may vary from actual construction. Measurement conventions in Panama may differ from those used in the United States or Canada.
• Photographs may be stock photography or taken off-site, and are used to depict intended character rather than anything that exists or is guaranteed to be built.
• Amenities, finishes, appliances, landscaping, and views described or depicted may change, may be optional at additional cost, or may not be built. Views are not guaranteed and may be altered by future construction on neighbouring land.
• Nearby attractions, businesses, restaurants, schools, and services mentioned are not part of any development and are not guaranteed to exist at any future date.
• Projected completion and delivery dates are estimates only and are not guaranteed. Construction schedules commonly change.
• Permits, approvals, and registrations may still be pending. A project’s commencement or completion may depend on approvals not yet granted.

Before entering any promise-of-sale or purchase contract for an off-plan property, you should 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 — including 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. Liz Larroquette has not independently verified it and makes no warranty as to its accuracy, completeness, reliability, timeliness, or fitness for any purpose.

All information must be independently verified by you and by your own professional advisers before you rely on it. This includes independent verification of 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. 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 United States dollars unless stated otherwise; Panama uses the US dollar as legal tender alongside the balboa.

A property shown on this website may already be under contract or sold. Its appearance here is not a representation that it is available.

Third-Party Information and External Links

Content originating from developers, owners, brokers, attorneys, lenders, immigration advisers, or other third parties is reproduced for information only. Liz Larroquette does not adopt it, has not verified it, and is not responsible for it. Liz Larroquette is not responsible for the acts, omissions, solvency, licensing, or contractual performance of any developer, broker, attorney, bank, or other third party referred to on this website, and does not guarantee the completion of any transaction or project.

Links to third-party websites are provided for convenience. Such sites are not investigated, monitored, or checked for accuracy, adequacy, validity, reliability, availability, or completeness by Liz Larroquette. The inclusion of a link does not imply endorsement, sponsorship, or recommendation. If you leave this website you do so at your own risk, and our terms no longer govern.

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

Assume that Liz Larroquette may be compensated in connection with any property, developer, product, or service described on this website. We disclose this broadly and in advance so that you can weigh it when reading anything here.

Compensation may take any of the following forms:

• Referral and commission compensation. If you are introduced to a developer, licensed broker, attorney, bank, or other service provider through this website or through Liz Larroquette, Liz Larroquette may receive a referral fee, an introduction fee, or a share of a commission in connection with any resulting transaction. This is customary in the Panamanian property market. It is typically paid by the developer, seller, or provider rather than by you, and it does not increase the price you pay. You should nonetheless assume that Liz Larroquette has a financial interest in the transactions described on this website.
• Sponsored and paid content. Some content on this website may be paid for, sponsored, or produced in cooperation with a developer or other party. Where a page, listing, or article is sponsored, it is labelled as such on the page itself.
• Advertising. This website may display paid advertising. Advertisements are not endorsements, and Liz Larroquette does not verify or guarantee anything stated in an advertisement.
• Affiliate links. Some links on this website may be affiliate links, meaning Liz Larroquette may earn a commission if you click through and purchase a product or service. This is at no additional cost to you.
• Complimentary and discounted goods and services. Liz Larroquette may from time to time receive complimentary or discounted travel, accommodation, site visits, meals, or access in connection with properties or developments described here.

Liz Larroquette describes only properties and providers it is 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. See No Professional Advice above.

Testimonials and Reviews

Testimonials appearing on this website were received from real clients by written, email, text, audio, or video submission, and are reproduced verbatim except for the correction of grammatical or typographical errors, or shortening for length. They are individual opinions describing individual experiences.

Individual experiences vary, and the experiences described are not a representation or prediction of what any other person will experience. Liz Larroquette makes no claim that any testimonial reflects a typical or expected outcome, and does not represent that any purchaser will achieve any particular financial, rental, tax, residency, or immigration result. No testimonial on this website should be read as a projection or guarantee of any investment return, rental income, appreciation, resale value, tax outcome, or residency approval.

Where a person providing a testimonial received any payment, discount, complimentary good or service, or other material benefit in connection with it, or has any business, family, or personal relationship with Liz Larroquette beyond that of a client, that connection is disclosed alongside the testimonial.

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. By using this website you accept these limitations and agree to our Terms & Conditions, which set out the limits of our liability.

Corrections

If you believe anything on this website is inaccurate or out of date, please tell us and we will review it. We correct errors when we become aware of them.

Questions

If you have questions about this disclaimer, please email liz@lizlarroquette.com.