Terms and Conditions

This website is operated by S&N Business Corp (P.D.E. Obra Civil), R.U.C. 155718974-2-2022 D.V. 92, with registered address at Brisas del Golf, San Miguelito, Panama Province, Republic of Panama (hereinafter, "S&N").

Using this site and its tools (calculator, quote generator, contact forms) constitutes acceptance of these Terms and Conditions.

The prices, payment percentages and conditions shown on this site —including those generated by the calculator and downloadable PDF documents— are reference estimates and do not constitute a contractual offer. Every quote is valid for thirty (30) days and is subject to a technical visit, zone and land conditions, and the signing of the corresponding contracts.

Construction costs are expressed per square meter according to the chosen finish level and do not include the land. The cost of designs (USD 1,500) and permits, estimated at 2% to 3% of the cost of the land plus the home, are quoted separately. Design prices do not include ITBMS (7%).

S&N may update prices and terms at any time; the applicable quote is the one in effect at the time the contract is signed.

The process begins with contracting a design package. Four payments: USD 250: architectural design of the facade and space layout; USD 500: structural and plumbing/sanitary design; USD 500: electrical design and roof and rainwater drainage design; USD 250: quantity calculations and final adjustments. Each payment is made at the start of its part of the design.

Design timelines are counted in business days from approval of the proposal and delivery of the project's baseline information. Government agencies' response times for permits are outside S&N's control and are not included in those timelines.

Managing paperwork and permits, when included in the package, does not cover government fees, duties, or charges, which are the client's responsibility.

The program is carried out in stages (design, financial analysis, start of construction, construction and handover), each with payments and timelines defined in the Master Agreement.

Under the S&N payment program, the construction cost is paid by construction stage: 20% at the start of work, 20% for building the walls, 10% for roofing the house, 30% for the finishes and 20% at home handover. Each payment is applied to the project and does not constitute a commission. The final 20% payment may be financed under the conditions agreed in writing in the corresponding contract.

With bank financing, the loan is arranged with the financial institution, which is a third party independent of S&N, and is subject to its prequalification and approval. The down payment, between 10% and 20% of the cost of the home, is determined by the bank based on its credit assessment.

The guarantees for payments under the program and, where applicable, for financing the final payment, shall be those agreed in the corresponding contract. The property belongs to the client throughout the process. Upon completion of the work, the home, keys and plans are handed over

The build carries a post-handover warranty on structural defects under Panama's Law 22 of 2015 and the terms agreed in the Construction Agreement.

The warranty does not cover damage resulting from misuse, modifications made by third parties, lack of maintenance, or force-majeure events.

Additionally, all homes, including preferential homes and residential containers, include one year of maintenance from handover. This includes visits at 6 months and at one year to inspect and repair superficial settlement cracks and fissures. In the event of serious damage to the infrastructure or cracks showing signs of structural damage, immediate contact and a visit within 24 to 72 hours of the report are offered; resolution takes place as soon as possible according to the severity. Visits, labor, materials and priority assistance are included at no additional cost. This service is additional to the structural warranty

In case of payment difficulties, the client has a grace period to renegotiate their plan under the Master Agreement. In the event of a final cancellation, S&N may withhold the documented operating costs incurred up to that point; the remainder will be refunded or may be applied as credit as agreed.

The designs, blueprints, renders, text, trademarks, and other content on this site are the property of S&N Business Corp or are used with authorization. They may not be reproduced or used for commercial purposes without written consent.

Images of house models and finishes are illustrative, digitally generated representations; the final result may vary based on the approved design and project conditions.

S&N takes reasonable care to keep the site's information accurate and up to date, but does not guarantee the absence of errors or omissions. Decisions made based on the site's tools are the user's responsibility until the corresponding contracts are signed.

These terms are governed by the laws of the Republic of Panama. Any dispute will be resolved before the competent Panamanian courts, without prejudice to any alternative dispute resolution mechanisms the parties may agree to.