Terms of Service

Who we are

Life n’ ROI is a real estate platform for international buyers and investors. The services sold on this website are sold by the company that operates Life n’ ROI, which is the seller of record on your receipt, and are delivered in Panama by our licensed brokers and advisors and, where legal or technical work is needed, by partner professionals (attorneys, engineers or architects).

This website and its services are for adults. They are not directed at anyone under 18.

The listings

Property information, prices, plans and delivery dates come from developers and owners. We check what we publish, but a listing is information, not an offer or a contract: availability and prices can change, and only the documents you sign with the developer or the seller bind them.

Accounts

An account lets you save items and see your orders. You must give a valid email address, keep your password to yourself and tell us if you think someone else has used your account. You can delete your account at any time from the account menu; orders already paid stay in our records for the period the law requires, as our Privacy notice explains.

Services and investor visits

Each service page describes what is included. A service starts when you have paid and asked us to begin.

An Investor Visit is the preparation of your purchase before you arrive in Panama: meetings with developers, documents and presentations, market analysis, and the coordination of legal and banking paperwork. Its price is one flat price per party, whatever the number of days. The arrival date you give is an estimate; we adapt to your schedule and you can move it at any time. The on-site visit is offered as a courtesy. A party is a small group travelling together — a family, or a few friends, colleagues or partners — of up to five people, as fit in one family vehicle; for a larger group, the visit is arranged with our advisor before payment.

A service fee credited at closing applies to the first transaction you close through us within 12 months of paying for it; it is deducted from our commission, not refunded to your card, and has no cash value.

We do not give investment, tax, immigration or banking advice of our own. Where you need it, we introduce you to licensed professionals, whose advice is theirs.

Prices and payment

Prices are in US dollars. A time-limited offer applies until the end date shown on the page, in Panama's time zone. The amount you pay is the one shown on the secure payment page at checkout.

Payments are processed by Stripe on a page hosted by Stripe. We never see or store your card details.

Your right of withdrawal

Where the law of the country you live in gives consumers a right to withdraw from a contract made at a distance — in the European Union and the United Kingdom, for example, 14 days from payment — you may withdraw from a service within that period without giving a reason. To do so, send us a clear statement by email.

If you ask us to start the service within that period, you confirm this at checkout. If you then withdraw, you pay for the part of the service already performed, in proportion to the whole. You lose the right of withdrawal once the service has been fully performed.

Refunds are made as our Refund policy describes.

Liability

We perform our services with care and skill. We are not responsible for decisions taken by developers, sellers, banks or public authorities, nor for losses that you could not reasonably expect when you bought the service. Nothing in these terms limits a liability that the law does not allow to be limited, or the rights the consumer law of your country gives you.

Changes to these terms

We may update these terms. The effective date at the top changes when we do, and a change does not affect a service you have already paid for. If you have an account, we will tell you by email about a change that matters to you.

Contact

Questions about these terms: me@elizabethsava.com.