TERMS AND CONDITIONS

Last updated: September 4, 2025
Service owner: Elite Greens Group, S. A. (B&F) 
Contact: legal@panamagolfadventure.com

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1. Who we are & scope

Business & Fairways (B&F) plans and operates luxury golf travel and related experiences (hotels, transfers, tours, yachts) and DMC/MICE services. We act as an intermediary between clients and independent providers. We are not a carrier, hotel, or insurer.

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2. Quotes, availability, confirmation

​2.1 Quotes generated by our App/team are estimates subject to real availability.

2.2 A booking is confirmed only when B&F issues final supplier confirmation. If an item is not available, we will offer alternatives or a refund if already charged.

2.3 Prices in USD and include ITBMS 7% where applicable and supplier fees.

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3. Prices, payments, invoicing

3.1 Payment methods: payment gateway (e.g., TiloPay) and/or bank transfer. We may use pre-authorization or charge upon confirmation; we will inform you in advance.
3.2 Transaction receipt is immediate from the gateway/bank. Tax invoices are issued within 0–3 business days after funds are received.
3.3 Invoice requirements: full name, passport or ID or Tax ID (RUC), email. Invoice is issued to the cardholder/account holder who pays.
3.4 Processing fees (not included): a 4.5% fee applies to credit/debit card transactions via the payment gateway; a 1% bank charge applies to international bank transfers. These fees will be itemized in the quote/checkout.

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4. Changes, cancellations, refunds

​4.1 Refundable up to 3 days before the first service.
4.2 Less than 3 days: non-refundable (including no-show).
4.3 Some suppliers may apply stricter policies on peak/special dates; those prevail and will be communicated when quoting/confirming.
4.4 Post-confirmation changes may incur fare differences and admin fees.

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5. Liability, force majeure, insurance

​5.1 B&F acts as an intermediary and is not liable for acts/omissions of suppliers. Our total liability, if any, is limited to the amount actually paid to B&F for the affected service.
5.2 Force majeure (weather, closures, strikes, third-party failures, etc.) may alter itineraries; we will take reasonable steps to rebook/mitigate.
5.3 We recommend travel insurance (medical, baggage, cancellation).

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6. Client duties

Provide accurate information; comply with supplier rules; carry valid travel documents. Non-compliance may lead to service denial without refund.

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7. Data protection

Processing under Panama Law 81/2019 and Decree 285/2021. See Privacy Policy.

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8. Law & jurisdiction

Governed by Panama law. Disputes are subject to the courts of Panama, without prejudice to amicable settlement first.