Terms and Conditions

1. Acceptance of Terms

By accessing or using our website, services, or investment offerings, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with any part of these terms, please do not use our website or services.

2. Company Overview

L9 Stratera Partners provides educational resources, consulting, and facilitation services to help Canadian investors participate in real estate opportunities located in Panama. We do not directly sell, lease, or manage properties on behalf of investors unless expressly stated in writing.

3. Eligibility

To use our services, you must:

• Be at least 18 years old,
• Be a resident of Canada or an approved jurisdiction, and
• Have the legal authority to enter into binding investment agreements.

We reserve the right to deny or terminate service to any individual or entity at our discretion.

4. Investment Disclaimer

All investments carry risks. Past performance is not indicative of future results. L9 Stratera Partners does not guarantee returns, appreciation, or income from any property or investment opportunity. We recommend that all clients seek independent financial, legal, and tax advice before making any investment decisions.

5. No Financial Advice

Information provided on this website — including blogs, articles, webinars, and investment guides — is for educational purposes only. It should not be interpreted as financial, tax, or legal advice.

6. Use of Website

You agree to use the website only for lawful purposes. You must not:

• Attempt to gain unauthorized access to our systems or data;
• Copy, reproduce, or resell content without written permission;
• Provide false or misleading information during inquiries or registration.

7. Intellectual Property

All website content — including logos, designs, graphics, text, and images — is owned or licensed by L9 Stratera Partners. You may not use or reproduce any materials without our prior written consent.

8. Third-Party Links

Our website may include links to third-party services, such as developers, legal partners, or financing providers. We are not responsible for the content or practices of these external sites.

9. Privacy & Data Use

We respect your privacy. By using our services, you consent to the collection and use of your information in accordance with our Privacy Policy, available on our website.

10. Limitation of Liability

To the fullest extent permitted by law, L9 Stratera Partners and its affiliates are not liable for any direct, indirect, incidental, or consequential damages arising from:

• Investment decisions made based on our materials,
• Delays or interruptions in service, or
• Third-party actions or inactions.

11. Indemnification

You agree to indemnify and hold L9 Stratera Partners, its employees, partners, and affiliates harmless from any claims, losses, or expenses resulting from your use of our services or violation of these terms.

12. Termination

We reserve the right to suspend or terminate your access to our website or services at any time, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Ontario, Canada, and applicable federal laws. Any disputes will be resolved in the courts located in Toronto, Ontario.

14. Changes to Terms

We may update these Terms from time to time. The latest version will always be posted on our website with the revised effective date. Your continued use of the site after updates constitutes acceptance of the changes.

15. Contact Us

For questions about these Terms, please contact: