Privacy Policy, Terms & Refund Policy
Last updated: September 2026. This page covers what Proper Consulting collects when you apply for or book a session, how paid sessions are billed and refunded, and your rights over your own data. If anything here is unclear, email hello@consulting-panama.com and we'll sort it out directly — no ticket system, just a real answer.
What we collect, and why
When you fill out the pre-qualification form or book a session, we collect: your name, email, and WhatsApp number; your general nationality and tax residency; your stated motivation, capital range, and timeline; and, once you book a paid session, payment confirmation from our payment processor (we never see or store your card or PayPal login details ourselves). We collect only what's needed to prepare for your session and match you with the right service — nothing is collected for its own sake.
How we use it
Your answers are used exclusively to prepare for your conversation with us and to determine which service actually fits your situation. We do not sell, rent, or share your information with third parties for marketing purposes. The only parties who see any part of it are the tools that deliver the service itself: WhatsApp Business (for messaging), Google Calendar (for scheduling), our payment processor (for billing), and Proper Consulting's own team.
Your rights over your data
Regardless of where you live, you can ask us at any time to access, correct, or delete the personal data we hold on you, or to stop using it, by emailing hello@consulting-panama.com. If you're in the EU or UK, this reflects your rights under the GDPR/UK GDPR (access, rectification, erasure, portability, and objection). If you're in California, this reflects your rights under the CCPA/CPRA (know, delete, correct, and opt out of sale — noting again that we don't sell data). If you're in Canada, this reflects PIPEDA. We apply the same standard to every visitor, not just where a specific law requires it.
Data retention
We keep your application and session data only as long as it's useful for the relationship — typically the duration of an active engagement plus a reasonable follow-up window, or until you ask us to delete it, whichever comes first.
Booking, payment, cancellation and refunds
The Clarity Session ($300 USD) and other paid services are billed in advance through our payment processor before your session is confirmed on the calendar. Our policy:
- Reschedule: free, up to once, if you give us at least 24 hours' notice before your scheduled time.
- Cancel with 24+ hours' notice: full refund, no questions asked.
- Cancel with less than 24 hours' notice, or no-show: the session fee is forfeited, since that slot was held exclusively for you.
- We cancel or can't deliver: full refund or a free reschedule, your choice.
Refunds are returned to the original payment method within 5–10 business days of approval.
What we deliver — and what we don't
Proper Consulting provides advisory services: a working session and, where applicable, a written report — the structuring, the analysis, the roadmap. We do not file paperwork, submit applications, or execute your visa, investment, or business process ourselves. When what you need is execution, we introduce you to the specialized, vetted partners in our network who handle that part directly — for example, our recommended migration and visa attorneys. Results depend on their work and on decisions made by third parties (government authorities, banks, counterparties) outside our control, so nothing on this site or in a session is a guarantee of any outcome. Nothing here constitutes tax, legal, or investment advice for your home jurisdiction — for that, consult a licensed professional where you live.
Contact
Proper Consulting — Calle Panama 53 Este, Ciudad de Panamá, Panamá. hello@consulting-panama.com · WhatsApp +507 6238-3315.