Privacy Policy

Last Updated: March 2026

AMF Capital, S.A., together with its parent companies, subsidiaries, affiliates, related entities, associated companies, shareholders, officers, directors, employees, agents, representatives, contractors, consultants, brokers, service providers, commercial allies, and any natural or legal person acting directly or indirectly for, on behalf of, under the instruction of, or in coordination with any of them in connection with the provision, promotion, administration, marketing, brokerage, development, support, or operation of our services (collectively, “AMF,” “we,” “us,” or “our”), respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we may collect, use, disclose, share, transfer, store, and otherwise process your information when you visit our website amfcap.com, communicate with us, submit inquiries, or engage with our real estate and related services in Panama. This Policy is intended to align with the personal data protection framework applicable in the Republic of Panama, including Law 81 of 26 March 2019 and Executive Decree 285 of 28 May 2021, as amended, supplemented, or replaced from time to time.

1. Information We Collect

We may collect personal information and other data that you provide directly to us, that is generated through your communications or relationship with us, that we receive from affiliated or associated persons or entities acting in connection with our services, or that is collected automatically when you access, browse, or interact with our website, advertisements, forms, social media pages, or digital tools, including, without limitation, the following categories of information:

Identification and Contact Information: name, surname, email address, telephone number, WhatsApp number, mailing address, country of residence, and any other contact or identifying details you voluntarily provide.
Property, Investment, and Service Interest Information: information relating to the properties, developments, investments, relocation solutions, or related services in which you express interest, including preferred location, budget range, intended use, timeline, financing expectations, investment criteria, and other related preferences or requirements.
Communication, Inquiry, and Relationship Data: records, contents, metadata, and history of your communications and interactions with us through email, WhatsApp, telephone calls, website contact forms, appointment requests, meetings, chat tools, social media, and other online or offline channels.
Transaction and Due Diligence Information: where applicable, information necessary to evaluate, document, reserve, process, or support a potential transaction, inquiry, onboarding process, or service request, including identification documents, proof of funds, corporate information, billing details, or other supporting documentation voluntarily submitted by you or lawfully obtained in connection with the requested service.
Technical, Device, and Usage Data: IP address, browser type, operating system, device type, device identifiers, referral source, pages visited, links clicked, time spent on pages, session activity, approximate geolocation derived from IP, and similar technical, analytics, or usage data collected through cookies, pixels, Google Analytics, and related technologies.
Marketing and Preference Data: information about your preferences, interests, subscription choices, responses to campaigns, language preference, preferred communication channels, and whether you have opted in or opted out of receiving promotional or informational communications.
User-Submitted Content: any information, comments, requests, documents, photographs, messages, or other content that you upload, submit, share, or otherwise provide to us through the website or through any communication channel.

We may also collect any other information that you voluntarily provide to us or that is reasonably necessary for the establishment, management, performance, compliance, protection, or enforcement of our business relationship, legal obligations, or legitimate business activities, to the extent permitted under applicable law.

2. How We Use Your Information

We process your personal information only for legitimate, specific, explicit, and previously disclosed purposes, and only to the extent permitted under applicable law. Depending on the circumstances, such processing may be based on your consent, pre-contractual measures taken at your request, the performance of a contract, compliance with legal or regulatory obligations, the exercise or defense of legal claims, or our legitimate business interests, provided that such interests do not override your rights and freedoms where applicable. We may use your information for the following purposes:

To respond to your inquiries, requests, or communications regarding properties, developments, investments, relocation, and related services;
To identify you and communicate with you through email, telephone, WhatsApp, contact forms, social media, or other communication channels;
To provide information, quotations, proposals, brochures, presentations, and other materials relating to our properties, projects, and services;
To schedule and manage property tours, meetings, appointments, consultations, calls, and follow-up communications;
To evaluate your interest, preferences, and requirements in connection with potential purchases, rentals, investments, or related transactions;
To carry out pre-contractual actions, due diligence, onboarding, reservation processes, documentation, negotiation, and transaction support in connection with real estate or related services;
To prepare, coordinate, facilitate, and, where applicable, process or support real estate transactions and related administrative steps, subject to the applicable legal basis in each case;
To send newsletters, marketing communications, promotional materials, market updates, and information about our properties, developments, services, or events, where permitted by law or with your consent when required;
To personalize and improve your experience on our website, digital channels, and communications;
To operate, maintain, monitor, analyze, and improve our website, services, marketing efforts, user experience, and internal business operations;
To generate analytics, statistics, reports, and performance metrics, including through cookies and similar technologies, in accordance with our Cookies Policy and applicable consent requirements;
To detect, prevent, investigate, and address fraud, misuse, unauthorized access, security incidents, technical issues, or other harmful, unlawful, or prohibited activities;
To comply with applicable legal, regulatory, tax, accounting, anti-money laundering, know-your-client, contractual, and compliance obligations;
To establish, exercise, protect, or defend our rights, assets, operations, personnel, business relationships, and legal position;
To share information within AMF and with our affiliates, associated persons or entities, advisors, service providers, and business partners to the extent reasonably necessary for the purposes described in this Policy; and
To carry out any other processing activity that is compatible with the original purpose of collection or otherwise authorized or required by applicable law.

3. Information Sharing

We do not sell your personal information. We may disclose, transfer, or otherwise share your information only to the extent reasonably necessary for the purposes described in this Policy, as permitted by applicable law, and subject, where appropriate, to confidentiality, security, and data protection obligations. Depending on the circumstances, we may share your information with the following categories of recipients:

Affiliates and Associated Persons or Entities: AMF Capital, S.A.’s parent company, subsidiaries, affiliates, related entities, associated persons or entities, and any natural or legal person acting for, on behalf of, under the instruction of, or in coordination with AMF in connection with the provision, promotion, administration, marketing, brokerage, development, support, or operation of our services.
Service Providers and Contractors: third-party providers that assist us with website hosting, cloud storage, email delivery, messaging services, customer relationship management (CRM), analytics, advertising tools, appointment scheduling, IT support, security, document management, payment processing, professional support services, and other business or operational functions, including providers such as Google Analytics and similar technology partners.
Professional Advisors: our lawyers, accountants, auditors, consultants, insurers, compliance advisors, and other professional representatives, to the extent necessary for legal, regulatory, operational, or business purposes.
Business Partners and Transaction Counterparties: property owners, developers, brokers, financial institutions, fiduciaries, escrow agents, contractors, due diligence providers, relocation partners, and other third parties directly involved in, supporting, or evaluating a property inquiry, transaction, investment, reservation, onboarding, or related service, where such disclosure is necessary for the applicable purpose and subject to the corresponding legal basis.
Governmental, Judicial, or Regulatory Authorities: courts, regulators, administrative authorities, law enforcement bodies, municipalities, public registries, tax authorities, migration authorities, and other competent governmental entities, where disclosure is required or permitted by law, legal process, regulatory requirement, or lawful request.
Compliance, Risk, and Legal Protection Recipients: persons or entities to whom disclosure is reasonably necessary to detect, prevent, investigate, or address fraud, security incidents, unlawful conduct, technical issues, violations of our terms or policies, or to establish, exercise, or defend legal claims or rights.
Successors and Corporate Transaction Participants: in connection with an actual or potential merger, acquisition, restructuring, sale of assets, reorganization, financing, joint venture, or other corporate transaction involving all or part of our business, subject to appropriate safeguards where required.

Where required by applicable law, or where the circumstances so warrant, we will request your consent before sharing your personal information. In other cases, information may be shared on the basis of another lawful ground, including pre-contractual measures, contractual necessity, legal obligation, or legitimate interest, as applicable.

4. Cookies and Tracking Technologies

We use cookies, pixels, tags, SDKs, and similar tracking technologies to operate, secure, improve, personalize, and analyze our website, communications, and digital services. Strictly necessary cookies and similar technologies may be used without prior consent where they are essential for the proper functioning, security, integrity, or administration of the website, or for the provision of a service expressly requested by the user. Analytics, advertising, personalization, marketing, and other non-essential cookies or similar technologies will only be activated or used after you provide your consent through our cookie banner, consent manager, or other preference tool, where and to the extent required by applicable law. You may withdraw or modify your cookie preferences at any time through the settings or tools made available on our website, in addition to the controls available through your browser or device. For more information, please review our Cookie Policy.

5. Your Rights

Subject to applicable law, you may have the right to request access to the personal information we hold about you; request the correction, update, or rectification of inaccurate, incomplete, or outdated information; request the deletion, blocking, restriction, or anonymization of your personal information where legally appropriate; object to certain processing activities; withdraw your consent where consent is the legal basis for processing; request portability of your personal information where applicable; and opt out of receiving marketing or promotional communications at any time. The exercise of these rights may be subject to applicable legal exceptions, regulatory obligations, document retention requirements, identity verification procedures, and our legitimate right to retain or process certain information as permitted by law.

To exercise any of these rights, update your information, withdraw your consent where applicable, or submit a privacy-related request, inquiry, or complaint, you may contact us at legal@amfcap.com. We may request information and supporting documentation reasonably necessary to verify your identity, validate your authority, protect the security of personal data, and process your request in accordance with applicable law and our internal procedures.

6. Data Retention

We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this Policy, to respond to your inquiries or requests, to manage and document our relationship with you, to maintain appropriate business, legal, tax, accounting, compliance, and audit records, and to comply with applicable legal, regulatory, contractual, or reporting obligations. Retention periods may vary depending on the nature of the information, the purpose for which it was collected, the sensitivity of the data, applicable legal or operational requirements, and the need to establish, exercise, or defend rights or legal claims. When personal information is no longer required for the purposes for which it was collected or for any other lawful purpose, we will delete, anonymize, block, archive, or securely dispose of it in accordance with our internal procedures, retention practices, and applicable law.

7. Data Security

We implement and maintain reasonable technical, physical, administrative, and organizational security measures designed to protect personal information against unauthorized or unlawful access, acquisition, use, misuse, loss, destruction, alteration, disclosure, or other improper processing. These measures are intended to reflect the nature of the information involved, the risks associated with its processing, and the sensitivity of the personal data, and may include access controls, authentication measures, limited-access practices, contractual confidentiality obligations, secure storage, and internal policies and procedures. However, no method of transmission over the internet, electronic storage system, or data security measure can be guaranteed to be completely secure or error-free. Accordingly, while we take reasonable steps to protect personal information, we do not warrant or guarantee absolute security.

8. International Data Transfers

AMF Capital operates in Panama; however, personal information may be accessed, processed, stored, transferred, disclosed, or hosted outside the Republic of Panama by AMF, its affiliates, associated persons or entities, and third-party providers engaged in connection with the provision, promotion, administration, support, analytics, communications, hosting, security, compliance, or operation of our services. Where such international or cross-border transfers occur, we will take reasonable steps to implement appropriate safeguards, as applicable, to ensure that the personal information receives a level of protection consistent with this Policy and applicable law. By submitting your information, interacting with our website, or using our services, you acknowledge and understand that such international processing and transfers may occur, to the extent permitted by applicable law.

9. Children's Privacy

Our website and services are not directed to, intended for, or designed to attract individuals under eighteen (18) years of age. We do not knowingly collect, solicit, or process personal information directly from minors through our website or services without the authorization, participation, or supervision of a parent, legal guardian, or other person legally responsible for the minor, where such authorization is required by applicable law. If we become aware that personal information has been submitted by or collected from a minor in a manner not permitted by applicable law, we may take reasonable steps to delete, block, or otherwise restrict such information, subject to any legal or regulatory obligations that may require its retention.

10. Changes to This Policy

We may modify, update, amend, supplement, or replace this Privacy Policy from time to time at our sole discretion, to reflect changes in our practices, services, operations, legal or regulatory requirements, or for other legitimate business reasons. Any updated version will be posted on this page and will become effective as of the “Last Updated” date indicated therein, unless otherwise stated. Where required by applicable law, or where the changes materially affect your rights or the manner in which your personal information is processed, we may provide additional notice through the website, by email, or through other appropriate means. Your continued access to or use of our website or services after the effective date of any update may be deemed acceptance of the revised Privacy Policy, to the extent permitted by applicable law. We encourage you to review this Privacy Policy periodically.

11. Contact Us

For questions about this Privacy Policy or our data practices, contact us:
AMF Capital, S. A.
Email: legal@amfcap.com
Website: amfcap.com