Call us at +507 654 701 87
About Panama Explorer
You didn’t come this far to stop
Your story / why you built this
Your background (track record, experience)
Your values (transparency, no BS, local network, etc.)
Photos / faces / social proof
“Why trust us with this part of your life?”
RELOCATE, INVEST, AND LIVE BETTER IN PANAMA — WITH REAL GUIDANCE. NOT GUESSES.
We help you understand residency options, open bank accounts, choose where to live, avoid scams, and make smarter decisions about real estate and business setup. Our goal is simple: make your move to Panama safer, faster, and less stressful
Why We Created Panama Explorer
Moving to a new country sounds exciting… until you actually start. Suddenly you’re trying to figure out visas, banking, neighborhoods, cost of living, and who to trust with legal or financial decisions. Most people waste time and money on the wrong advice.
We built Panama Explorer to fix that. We connect you with vetted local professionals (immigration, legal, banking, real estate) and walk you through the process step by step so you can make smart decisions before you get on the plane.
We’re not selling fantasy. We’re not a one-size-fits-all “expat package.” We’re here to protect you from stress, bad information, and expensive mistakes.
Real problems we solve:
“Which visa do I actually qualify for?”
"Am I qualified to get a work permit, and if so, what are my options?"
"How do I create a company and which setup is best for me?"
“How do I open a bank account without residency?”
“Where is it safe and affordable to live long-term?”
“Is this real estate deal legit or a trap?”
Which health insurance plans are available and right for me?
How We Help You
Moving to Panama, investing here, or even visiting for the first time can feel overwhelming. We make it simple. From residency and banking to where to live, how to land smoothly, and what to actually do once you’re here — we connect you with the right people, the right information, and the right plan. No guesswork, no tourist traps, no false promises.
150+
15
Trusted
Experts
About us
Panama Explorer is your trusted guide to life, travel, and opportunity in Panama. We help travelers, investors, and future residents understand the reality behind the brochure — how to visit safely, where to stay, how to get residency, how much it really costs, and where the best opportunities are.
We combine local insight, practical tools, and vetted partners to make your time in Panama smoother, safer, and more rewarding — whether you’re here for a week or planning a long-term move.
Use Case: Relocating to Panama With Support
(Not Chaos)
Profile
Sarah is 34, remote professional, moving from Canada to Panama City for at least 6 months. She’s never lived in Latin America, she doesn’t speak Spanish, and she’s worried about safety, banking, and getting scammed on housing.
1. Situation / Pain
“I’m landing in Panama in two weeks. I need somewhere safe to stay, a bank account, a path to legal residency, and I don’t want to spend the first month figuring out basic life logistics.”
Key fears:
“How do I open a bank account without permanent residency yet?”
“Which areas are actually safe and not crazy overpriced?”
“Who do I trust for legal stuff so I don’t get ripped off?”
“What if something goes wrong — who do I call?”
2. What We Do Immediately (Day 1 → Week 1)
Arrival and Setup
Airport pickup is arranged and she’s taken directly to vetted short-term housing that matches her budget.
Local eSIM and WhatsApp are set up on arrival, so she’s connected, reachable, and not at the mercy of airport kiosks.
She gets a quick safety + orientation briefing: how to get around, where not to wander at night, how much taxis/Ubers should actually cost, where to get groceries and cash.
Banking & Residency Basics
We schedule and prep her bank meeting: which branch to go to, what to bring, what not to say.
She receives a clear, realistic residency / visa path for her situation (timelines, costs, documents she still needs).
She understands how to work remotely from Panama without creating tax or immigration problems.
Outcome after Week 1: She’s not guessing. She knows her status, her next deadlines, and she has a working phone + a safe place to sleep.
3. Stabilizing Her Life in Panama (Week 2 → Week 3)
Housing & Neighborhood Fit
We present 2–3 recommended neighborhoods based on her lifestyle (walkability, safety, budget, noise, gym access, clinics).
She gets short-term vs long-term housing advice, so she doesn’t lock into a 12-month lease on day 3.
We review any rental or lease agreement before she signs and flag red terms (penalties, deposits, “furniture fees,” etc.).
Local Network
She’s introduced to a vetted lawyer (for residency), accountant (for tax/structure), and if she wants it, an insurance broker for private healthcare.
She’s shown which private clinics and hospitals people actually use in her zone — not just “Google Maps hospitals.”
Outcome after Week 3: She’s confident where she’s going to live long-term, she’s protected legally, and she has real local contacts she can call — not random Facebook comments.
4. Fully Operational, Not Just Visiting (Week 4)
Practical Life
She understands her banking status, residency timeline, and work-permit path.
She knows how to get around safely, where to shop, where to get medical help, and which areas fit her long-term lifestyle.
If relevant, she’s been guided on driving: Panama driver’s license conversion, car insurance, and what is (and is not) worth buying locally.
Her 30-Day Launch Plan
She now has a documented, personalized “First 30 Days in Panama” roadmap:
Tasks completed
Tasks remaining
Key contacts
Deadlines
Budget expectations
No noise. No guesswork. No “hope it works out.”
Outcome after 30 days: She’s not a tourist trying to figure it out. She’s established, legalizing, and moving forward with a plan.
5. Why This Matters
Most people arrive and burn their first month (and thousands of dollars) making avoidable mistakes:
Wrong area
Bad lease
Flying back to your home to get the documents you need
Useless “consultants”
Bank rejection
Panic Googling
This use case is the opposite. You land with infrastructure.
Frequently asked questions
Do You provide us with on the ground support?
[Your Brand Name] is a [brief description of your business or service]. We are passionate about [your mission statement].
How does your product/service work?
We offer a [brief explanation of how your product or service helps your customers]. Our process is [simple/efficient/convenient] and [positive adjective] for you.
How much does it cost?
Our pricing varies depending on [what factors affect your price]. We offer a variety of options to fit your needs and budget. Please visit our [pricing page/contact us] for more information.
Do you offer [specific service inquiry]?
Unfortunately, we don't currently offer [specific service inquiry]. However, we do offer [alternative service] which might be helpful.
How can I contact you?
You can reach us by [phone number/email address/contact form link]. We are always happy to answer your questions.
Ramón Aranha-Gericke
Founder / Local Advisor
Who We Are
Ramón is the founder of The Panama Explorer and a trusted advisor to clients relocating, investing, or establishing a legal footprint in Panama. He combines a background in high-stakes banking, business transformation and regulatory change with hands-on experience in property, relocation, and on-the-ground operational setup.
For over 15 years, Ramon led complex transformation and compliance initiatives at leading Swiss universal and private banks — including Credit Suisse, Julius Baer, UBS, and UBP — working across regulatory, compliance, and risk-heavy initiatives, leading large transformation programs with significant budgets. His work has included navigating complex financial rules and building processes that could be signed off by legal, compliance, and senior management.
In parallel, he has built and managed real-world hospitality and relocation operations — including renovation, design, pricing strategy, guest experience, and regulatory positioning for short-term rentals. He’s been the person solving the unsexy problems: bank onboarding requirements, local licensing, neighbourhood due diligence, insurance expectations, and “is this contract safe to sign?”
Panama Explorer exists because Ramon saw the same pattern over and over: people arriving in a new country with money, optimism, and zero protection. They were being sold nice stories, not real frameworks. His role is to fix that.
What Ramón brings to clients:
Residency pathway clarity: which visa track is actually viable for you, not theoretically available on paper
Banking positioning: how to walk into a Panamanian bank prepared instead of guessing
Company / tax structuring guidance: how to set up in a way that’s compliant and defensible, not just “cheap”
Housing and safety guidance: which areas make sense for your budget and lifestyle, and which to avoid
First-30-days stability: vetted local contacts (legal, accounting, insurance, property) so you’re not relying on strangers in Facebook groups
Ramon’s style is direct, risk-aware, and practical. No hype, no “$800/month in paradise” marketing, no pressure to buy a specific property. His job is to protect you from avoidable mistakes and get you functional in Panama — legally, financially, and in daily life — faster than you could on your own.
Terms and Conditions
Welcome to The Panama Explorer!
These terms and conditions outline the rules and regulations for the use of The Panama Explorer's Website, located at https://www.thepanamaexplorer.com.
By accessing this website, we assume you accept these terms and conditions. Do not continue to use The Panama Explorer if you do not agree to take all of the terms and conditions stated on this page.
Cookies:
The website uses cookies to help personalize your online experience. By accessing The Panama Explorer, you agreed to use the required cookies.
A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.
We may use cookies to collect, store, and track information for statistical or marketing purposes to operate our website. You have the ability to accept or decline optional Cookies. There are some required Cookies that are necessary for the operation of our website. These cookies do not require your consent as they always work. Please keep in mind that by accepting required Cookies, you also accept third-party Cookies, which might be used via third-party provided services if you use such services on our website, for example, a video display window provided by third parties and integrated into our website.
License:
Unless otherwise stated, The Panama Explorer and/or its licensors own the intellectual property rights for all material on The Panama Explorer. All intellectual property rights are reserved. You may access this from The Panama Explorer for your own personal use subjected to restrictions set in these terms and conditions.
You must not:
Copy or republish material from The Panama Explorer
Sell, rent, or sub-license material from The Panama Explorer
Reproduce, duplicate or copy material from The Panama Explorer
Redistribute content from The Panama Explorer
This Agreement shall begin on the date hereof.
Parts of this website offer users an opportunity to post and exchange opinions and information in certain areas of the website. The Panama Explorer does not filter, edit, publish or review Comments before their presence on the website. Comments do not reflect the views and opinions of The Panama Explorer, its agents, and/or affiliates. Comments reflect the views and opinions of the person who posts their views and opinions. To the extent permitted by applicable laws, The Panama Explorer shall not be liable for the Comments or any liability, damages, or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.
The Panama Explorer reserves the right to monitor all Comments and remove any Comments that can be considered inappropriate, offensive, or causes breach of these Terms and Conditions.
You warrant and represent that:
You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
The Comments do not invade any intellectual property right, including without limitation copyright, patent, or trademark of any third party;
The Comments do not contain any defamatory, libelous, offensive, indecent, or otherwise unlawful material, which is an invasion of privacy.
The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.
You hereby grant The Panama Explorer a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats, or media.
Hyperlinking to our Content:
The following organizations may link to our Website without prior written approval:
Government agencies;
Search engines;
News organizations;
Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and
System-wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.
These organizations may link to our home page, to publications, or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party's site.
We may consider and approve other link requests from the following types of organizations:
Commonly-known consumer and/or business information sources;
Dot.com community sites;
Associations or other groups representing charities;
Online directory distributors;
Internet portals;
Accounting, law, and consulting firms; and
Educational institutions and trade associations.
We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of The Panama Explorer; and (d) the link is in the context of general resource information.
These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products or services; and (c) fits within the context of the linking party's site.
If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to The Panama Explorer. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.
Approved organizations may hyperlink to our Website as follows:
By use of our corporate name; or
By use of the uniform resource locator being linked to; or
Using any other description of our Website being linked to that makes sense within the context and format of content on the linking party's site.
No use of The Panama Explorer's logo or other artwork will be allowed for linking absent a trademark license agreement.
Content Liability:
We shall not be held responsible for any content that appears on your Website. You agree to protect and defend us against all claims that are raised on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene, or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.
Reservation of Rights:
We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.
Removal of links from our website:
If you find any link on our Website that is offensive for any reason, you are free to contact and inform us at any moment. We will consider requests to remove links, but we are not obligated to or so or to respond to you directly.
We do not ensure that the information on this website is correct. We do not warrant its completeness or accuracy, nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.
Disclaimer:
To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website. Nothing in this disclaimer will:
Limit or exclude our or your liability for death or personal injury;
Limit or exclude our or your liability for fraud or fraudulent misrepresentation;
Limit any of our or your liabilities in any way that is not permitted under applicable law; or
Exclude any of our or your liabilities that may not be excluded under applicable law.
The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort, and for breach of statutory duty.
As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.
Additional Terms & Conditions
Last updated: [October 28, 2025]
Welcome to The Panama Explorer (“we,” “our,” “us”). These Terms & Conditions (“Terms”) govern your use of this website, any services you purchase from us, and any information, consultations, documents, or introductions we provide (together, the “Services”). By using this website or working with us, you agree to these Terms.
If you do not agree with these Terms, please do not use our website or our Services.
You can contact us at:
Email: info@thepanamaexplorer.com
WhatsApp: +507 654 701 87
Location: Panama City, Panama
1. Scope of Service
[Panama Explorer] provides relocation, residency, and settlement guidance for individuals and businesses considering Panama. Our Services may include:
Residency and visa guidance (which residency paths you may qualify for, what documents are typically required, and estimated timelines)
Cost of living insights and area comparisons (neighborhood fit, lifestyle expectations, safety notes, access to healthcare)
Panama Landing Package / arrival logistics (airport pickup coordination, first housing options sourced for you to book, orientation, eSIM, banking support)
Banking and company setup guidance (what banks and authorities usually ask for, what structure may fit your situation)
Healthcare and insurance guidance (how private care works, typical costs, introductions to brokers/clinics)
Driver’s license and vehicle setup guidance
Warm introductions to vetted third-party professionals (licensed immigration lawyers, accountants, tax advisors, insurance brokers, compliance specialists, etc.)
We act as an advisory and coordination service. We help you prepare, plan, and make informed decisions. We do not replace licensed professionals.
2. We Are Not a Law Firm, Tax Firm, Broker, Insurer, or Medical Provider
Very important:
We are not a law firm, immigration law office, tax firm, accounting firm, insurance provider, medical provider, or real estate brokerage.
Nothing on this site, in our calls, chats, emails, PDFs, documents, videos, or digital products should be taken as legal, immigration, tax, financial, real estate, or medical advice.
All immigration filings, legal filings, bank applications, company formations, tax strategies, insurance decisions, and medical decisions must be made with licensed professionals.
You are responsible for consulting with qualified, licensed professionals before taking action.
3. No Guaranteed Outcomes
We will always be honest with you, but we cannot guarantee results. Specifically:
We cannot guarantee residency or visa approval.
We cannot guarantee bank account approval.
We cannot guarantee company registration or work permit approval.
We cannot guarantee insurance approval or coverage.
We cannot guarantee safety, neighborhood conditions, lifestyle fit, or cost-of-living results.
Any timelines or expectations we share — for example, how long residency may take, how fast a bank responds, how much an area typically costs per month, or how quickly you may get a driver’s license — are estimates only. Government policies, banking policies, tax rules, insurance requirements, and local pricing can change without notice.
4. Third-Party Professionals
As part of our Services, we may introduce you to independent third parties such as:
Licensed immigration lawyers
Accountants and tax advisors
Compliance and company formation specialists
Banking contacts / relationship managers
Insurance brokers / healthcare providers
Real estate professionals / property managers / drivers
Important:
These third parties are independent. They are not employees, partners, agents, or subcontractors of [Panama Explorer].
We do not control their pricing, availability, performance, timelines, accuracy, or outcomes.
You are solely responsible for deciding whether to engage them, reviewing their contracts, and paying for their services if you choose to proceed.
We are not responsible for the actions, errors, advice, or results of any third-party professional you work with — even if we introduced you.
If you ever believe a referred professional is acting dishonestly, we ask that you tell us so we can stop sending people to them.
5. Pricing, Payment, and Refunds
Service Packages
We offer services such as (but not limited to):
Starter Consultation
Residency & Landing Plan
Full Relocation Package
Company, Employment & Banking Setup
Healthcare & Insurance Brief
Panama Landing Package / Arrival Support
These services are billed as described on our website at the time of purchase.
Each package includes only what is listed in its description. Additional work, extended support, custom research, in-person accompaniment, translation, or future follow-up may be billed separately.
Digital Products
We offer digital and downloadable products such as:
Relocation guides / Starter Kits
Cost of Living Calculator
Business Setup Blueprint
Online courses / video modules
Digital products are delivered electronically and are non-refundable once delivered or accessed.
No Inclusion of Third-Party Costs
Unless we explicitly say otherwise in writing, our pricing does not include:
Government fees
Legal/attorney fees
Accountant or tax advisor fees
Insurance premiums
Bank deposit requirements
Real estate costs / deposits / leases
Driver’s license fees
Translation / apostille / notary costs
Transportation, housing, or daily expenses
You are responsible for any and all third-party costs.
6. Information You Give Us
To provide Services, we may ask you for personal information and documents such as:
Passport copy
Proof of income / pension / employment
Residency timeline
Budget and location preferences
Health or insurance concerns (for the purpose of introducing you to an insurance broker or clinic)
By providing this information, you agree that we may review it internally and, when appropriate and only to serve you, share relevant parts with vetted licensed professionals (for example: an immigration attorney, compliance advisor, or insurance broker) so they can assess whether they can help you.
We will never sell your personal documents as data. We only use them to assist you or to brief a vetted professional on your behalf.
For more detail on how we handle personal data, please see our Privacy Policy.
7. Safety, Cost of Living, and Area Guidance
We may provide opinions or observations about:
Neighborhood safety and comfort
Typical rental prices and cost of living
Access to healthcare, schools, clinics, pharmacies
Driving conditions and vehicle ownership
Lifestyle fit (city vs. beach vs. mountain, etc.)
This information is based on our experience, local knowledge, and research. It should be treated as advisory, not as a guarantee. Conditions can change quickly (safety, pricing, infrastructure, traffic, availability, enforcement, etc.).
You are responsible for visiting, inspecting, and making your own final decision before signing leases, relocating, or investing.
8. Limitation of Liability
To the maximum extent permitted by law:
[Panama Explorer] is not responsible for any indirect, incidental, consequential, special, or punitive damages.
We are not responsible for lost time, lost income, denied applications, rejected bank accounts, legal issues, tax issues, immigration issues, medical issues, property damage, theft, personal safety incidents, or business losses — even if you believe those losses are related to our guidance or introductions.
Your sole remedy if you are unhappy with our Services is to stop using our Services.
If your local law does not allow certain liability limits, then our liability is limited to the amount you paid us for the specific Service in question.
9. Age and Eligibility
You must be 18 or older to purchase our paid Services or to engage us for relocation, residency, or company/banking guidance.
10. Intellectual Property
All content on this website, and all materials we send you (PDFs, reports, templates, guides, calculators, videos, presentations, planning documents, checklists, etc.) is owned by [Panama Explorer] unless stated otherwise.
You may use our material for your personal planning only. You may not resell, republish, or redistribute it without written permission.
11. Changes to Services and Terms
We may update or change these Terms at any time. If we update the Terms, we will change the “Last updated” date at the top of this page.
We may also change or discontinue parts of our Services at any time, including pricing and package contents.
Your continued use of our website or Services after changes means you accept the updated Terms.
12. Governing Law and Dispute Resolution
These Terms are governed by the laws of the Republic of Panama.
Any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be handled exclusively in the courts of Panama City, Panama.
By using our Services, you agree to that jurisdiction and venue.
13. Acceptance of These Terms
By using this website, requesting information from us, purchasing any digital product, booking a consultation, or engaging [Panama Explorer] for any paid service, you confirm that:
You have read and understood these Terms & Conditions
You agree to be bound by them
If you do not agree, please do not use our website or our Services.
Contact
Questions about these Terms & Conditions can be sent to:
Email: info@thepanamaexplorer.com
WhatsApp: +507 654 701 87
Address: Panama City, Panama
Privacy Policy
The Panama Explorer website is owned by The Panama Explorer, which is a data controller of your personal data.
We have adopted this Privacy Policy, which determines how we are processing the information collected by The Panama Explorer, which also provides the reasons why we must collect certain personal data about you. Therefore, you must read this Privacy Policy before using The Panama Explorer website.
We take care of your personal data and undertake to guarantee its confidentiality and security.
Personal information we collect:
When you visit the The Panama Explorer, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the installed cookies on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products you view, what websites or search terms referred you to the Site, and how you interact with the Site. We refer to this automatically-collected information as “Device Information.” Moreover, we might collect the personal data you provide to us (including but not limited to Name, Surname, Address, payment information, etc.) during registration to be able to fulfill the agreement.
Why do we process your data?
Our top priority is customer data security, and, as such, we may process only minimal user data, only as much as it is absolutely necessary to maintain the website. Information collected automatically is used only to identify potential cases of abuse and establish statistical information regarding website usage. This statistical information is not otherwise aggregated in such a way that it would identify any particular user of the system.
You can visit the website without telling us who you are or revealing any information, by which someone could identify you as a specific, identifiable individual. If, however, you wish to use some of the website’s features, or you wish to receive our newsletter or provide other details by filling a form, you may provide personal data to us, such as your email, first name, last name, city of residence, organization, telephone number. You can choose not to provide us with your personal data, but then you may not be able to take advantage of some of the website’s features. For example, you won’t be able to receive our Newsletter or contact us directly from the website. Users who are uncertain about what information is mandatory are welcome to contact us via r.aranha.gericke@gmail.com.
Your rights:
If you are a European resident, you have the following rights related to your personal data:
The right to be informed.
The right of access.
The right to rectification.
The right to erasure.
The right to restrict processing.
The right to data portability.
The right to object.
Rights in relation to automated decision-making and profiling.
If you would like to exercise this right, please contact us through the contact information below.
Additionally, if you are a European resident, we note that we are processing your information in order to fulfill contracts we might have with you (for example, if you make an order through the Site), or otherwise to pursue our legitimate business interests listed above. Additionally, please note that your information might be transferred outside of Europe, including Canada and the United States.
Links to other websites:
Our website may contain links to other websites that are not owned or controlled by us. Please be aware that we are not responsible for such other websites or third parties' privacy practices. We encourage you to be aware when you leave our website and read the privacy statements of each website that may collect personal information.
Information security:
We secure information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use, or disclosure. We keep reasonable administrative, technical, and physical safeguards to protect against unauthorized access, use, modification, and personal data disclosure in its control and custody. However, no data transmission over the Internet or wireless network can be guaranteed.
Legal disclosure:
We will disclose any information we collect, use or receive if required or permitted by law, such as to comply with a subpoena or similar legal process, and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
Contact information:
If you would like to contact us to understand more about this Policy or wish to contact us concerning any matter relating to individual rights and your Personal Information, you may send an email to r.aranha.gericke@gmail.com.