1. Nature of the Service

InmoPanama, operated by InmoTech Panamá, is a subscription-based technology platform aimed at licensed real estate agents, brokers, real estate agencies, developers and other authorized industry participants. The Platform allows users to publish properties, promote real estate inventory, and access digital tools, marketing services and other features offered by InmoPanama.

2. Trial Period

Users may access the free plans or trial periods available according to the conditions published on the Platform. Purchasing any paid plan implies express acceptance of this Refund Policy.

3. Payments and Renewals

Subscriptions are charged in advance and renew automatically according to the frequency chosen by the user, unless canceled before the corresponding renewal date. It is the user's responsibility to manage their subscriptions, payment methods and cancellation settings. The user authorizes InmoPanama and its payment providers to make the recurring charges associated with the contracted plan.

4. General Refund Policy

Due to the digital nature of InmoPanama's services:

• Payments for subscriptions that have been activated and used are generally non-refundable.
• No partial refunds are granted for unused subscription periods.
• Canceling a subscription prevents future charges but does not give rise to a right to a refund of payments already made.

5. Exceptions

InmoPanama may evaluate refund requests only in the following circumstances:

• Duplicate charges caused by a system error.
• Charges resulting from a verifiable failure in payment processing.
• Inability to access the service due solely to a technical failure attributable to InmoPanama that cannot be corrected within a reasonable time.

Refund requests must be submitted within seven (7) calendar days after the charge.

5A. Non-Refundable Situations

Refunds are not granted in the following cases:

• The user does not cancel their subscription before the automatic renewal date.
• The user decides not to use the Platform after purchasing a subscription.
• The user changes their mind after making the purchase.
• The account is rejected, suspended, restricted or canceled due to false, incomplete or misleading information provided by the user.
• The account is rejected, suspended, restricted or canceled for failing to meet the eligibility requirements set by InmoPanama.
• The account is suspended or canceled for breaching the Terms and Conditions or the Platform's policies.
• The user fails to meet the legal, regulatory or licensing requirements necessary to carry out real estate activities.

6. How to Request a Refund

Send your request by email to [email protected], including:

• Full name of the account holder.
• Email address registered on the Platform.
• Transaction number or payment reference.
• Detailed description of the reason for the request.

InmoPanama will respond to the request within a maximum of ten (10) business days.

6A. Processing of Approved Refunds

If a request is approved, InmoPanama will endeavor to process the refund using the same payment method used in the original transaction, where possible. Processing times may vary depending on the payment processor, financial institution, bank or card issuer. InmoPanama will not be responsible for delays caused by third parties involved in the refund.

6B. Chargebacks and Payment Disputes

Before initiating a chargeback or dispute with your bank, financial institution or card issuer, we recommend that you first contact InmoPanama to try to resolve the matter directly. Filing a chargeback or dispute over a valid charge may result in the temporary suspension or cancellation of the associated account while the dispute is under review. InmoPanama reserves the right to submit evidence and documentation related to the transaction, service access and acceptance of the Terms during any dispute process.

7. Subscription Cancellation

You may cancel your subscription at any time from your account or by contacting the support team. Cancellation prevents future automatic renewals but does not affect access to services already paid for during the current billing period. Canceling a subscription does not automatically delete the user's account or content, unless expressly requested or unless InmoPanama determines otherwise in accordance with its internal policies.

8. Contact Information

If you have questions about this Refund Policy, contact us:

InmoTech Panamá — InmoPanama
Email: [email protected]