PRIVACY POLICY

Nukumi Club | Santa Catalina, Panama
Last updated: May 2026

TABLE OF CONTENTS

  1. Introduction

  2. Information We Collect

  3. Why We Collect Your Information

  4. Booking Platforms & Third-Party Services

  5. Payment Processing & Fiscal Compliance

  6. Passport & Identity Verification

  7. Data Protection & Security

  8. Guest Rights & Data Requests

  9. Data Retention

  10. Cookies & Analytics

  11. External Links & Third-Party Services

  12. Policy Updates

  13. Contact Information

1. INTRODUCTION

At Nukumi Club, we are committed to protecting the privacy, security, and personal information of our guests while ensuring full compliance with Panamanian fiscal and hospitality regulations.

This Privacy Policy explains:

  • what information we collect,
  • why we collect it,
  • how it is used, how it is protected,
  • and the rights guests may have regarding their personal data.

By booking with Nukumi Club through our website, direct payment links, or third-party booking platforms, guests acknowledge and accept this Privacy Policy.

2. INFORMATION WE COLLECT

Depending on the booking method and services used, we may collect:

Personal Information

  • Full name
  • Email address
  • Phone number
  • Nationality
  • Country of residence
  • Passport or government-issued identification
  • Reservation details
  • Arrival and departure dates

Payment Information

Payments are processed securely through authorized third-party payment providers. Nukumi Club does not directly store sensitive banking or complete credit card information.

Communication Information

We may collect information shared through:

  • WhatsApp
  • Email
  • Booking platform messaging systems
  • Contact forms

Reservation Information

Including:

  • Number of guests
  • Casita selection
  • Booking preferences
  • Reservation history
  • Special requests

3. WHY WE COLLECT YOUR INFORMATION

We only collect information necessary to operate Nukumi Club professionally, legally, and securely.

Your information may be used for:

Reservation Management

  • Confirming reservations
  • Sending check-in instructions
  • Guest communication before, during, and after stays

Fiscal & Legal Compliance

Under Panamanian regulations, certain guest information is required for:

  • tax compliance,
  • accounting obligations,
  • ITBMS (10%) reporting,
  • DGI fiscal reporting requirements,
  • invoice issuance upon request,
  • fraud prevention,
  • and hospitality security procedures.

Security & Identity Verification

Passport or identification information may be requested:

  • to verify guest identity,
  • prevent fraudulent reservations,
  • ensure property security,
  • and comply with local hospitality practices.

Customer Support

To:

  • answer questions,
  • manage requests,
  • send invoices,
  • and provide operational support.

4. BOOKING PLATFORMS & THIRD-PARTY SERVICES

Nukumi Club works with external platforms and service providers that may process guest information independently according to their own privacy policies.

These services may include:

Booking & Distribution Platforms

  • Airbnb
  • Booking.com
  • VRBO
  • Expedia

Property Management & Booking Systems

  • Guesty
  • Guesty Booking Engine
  • Guesty Channel Manager

Payment Providers

  • Charge Automation
  • Tilopay

Website & Hosting Services

  • Hostinger

Communication Services

  • WhatsApp
  • Email providers

Analytics Systems

Certain systems used by Guesty and our booking infrastructure may include analytics or operational tracking tools to improve reservation management and website functionality.

Guests using third-party platforms acknowledge that those platforms may collect and process information separately under their own policies.

5. PAYMENT PROCESSING & FISCAL COMPLIANCE

Tax Compliance

All payments made to Nukumi Club include applicable Panamanian taxes, including the 10% ITBMS where required by law.

Nukumi Club complies with Panamanian fiscal obligations and DGI (Dirección General de Ingresos) regulations.

Invoices may be issued upon guest request.

Payment Processing by Booking Platforms

Depending on the booking platform and the guest’s country of origin, certain platforms may process payments directly, while others may require payment collection by the property.

Platforms that may process payments directly:

  • Airbnb
  • VRBO
  • Expedia

Booking.com Reservations

For certain regions and countries, including Panama and parts of Latin America, Booking.com may not process guest payments directly on behalf of properties.

In such cases, payment collection is managed directly by Nukumi Club through authorized and secure payment providers.

This operational structure is determined by platform availability, regional payment support, and local financial processing limitations.

Direct Payment Providers

For eligible direct reservations or Booking.com reservations requiring property-side collection, payments may be securely processed through:

  • Charge Automation
  • Tilopay

Nukumi Club does not directly store sensitive banking or complete credit card information.

Payment Verification & Banking Security

In rare cases, certain international banks may temporarily flag external international transactions or Panamanian payment requests as unusual activity, particularly when payments are processed outside of a booking platform’s internal payment system.

This may occasionally result in:

  • temporary payment refusals,
  • additional banking verification,
  • or authentication requests initiated by the guest’s bank.

These banking security procedures are external to Nukumi Club and are determined solely by the guest’s financial institution.

Guests may contact their bank directly if additional transaction authorization is required.

Alternative Payment Methods

To secure reservations and comply with cancellation policies, Nukumi Club may offer alternative payment methods in certain situations, including:

  • international bank transfers,
  • authorized secure payment links,
  • or other approved payment arrangements communicated directly to the guest.

When alternative payment methods are used, guests remain fully responsible for:

  • contacting their financial institution when transaction authorization is required,
  • ensuring their bank permits international or Panamanian transactions,
  • and covering all transfer, intermediary, correspondent, currency conversion, or banking fees associated with the payment.

In cases where a bank temporarily blocks or declines a transaction for security or authorization reasons, guests may need to contact their bank directly to approve the payment.

Nukumi Club cannot be held responsible for:

  • banking restrictions,
  • payment refusals,
  • transfer limitations,
  • fraud-prevention measures imposed by third-party financial institutions,
  • delays caused by intermediary banks,
  • additional international banking fees,
  • currency conversion variations,
  • rejected transfers,
  • or processing interruptions occurring outside of our direct control.

Reservations may remain pending or unconfirmed until the full payment amount has been successfully received by Nukumi Club.

6. PASSPORT & IDENTITY VERIFICATION

For security and operational reasons, Nukumi Club may request:

  • passport information,
  • identification documents,
  • or guest verification details.

This information may be used exclusively for:

  • reservation verification,
  • fraud prevention,
  • legal compliance,
  • and guest security purposes.

7. DATA PROTECTION & SECURITY

We take reasonable administrative and operational measures to protect guest information. Access to personal information is limited to authorized persons when necessary for:

  • reservations,
  • guest communication,
  • accounting,
  • fiscal compliance,
  • or operational management.

We do not sell guest personal information to third parties.

8. GUEST RIGHTS & DATA REQUESTS

Guests may request:

  • correction of inaccurate personal information,
  • updates to contact information,
  • invoice modifications when legally possible,
  • or clarification regarding stored information.

Certain information may legally need to be retained for:

  • accounting,
  • tax obligations,
  • fraud prevention,
  • or regulatory compliance.

Deletion requests may therefore be limited when data must legally be preserved under Panamanian regulations.

9. DATA RETENTION

Guest information may be retained for a reasonable period when necessary for:

  • accounting records,
  • fiscal reporting,
  • dispute resolution,
  • legal obligations,
  • operational history,
  • or fraud prevention.

10. COOKIES & ANALYTICS

Nukumi Club does not directly use advertising or tracking cookies on its website.

However, certain third-party systems integrated into our booking infrastructure, including Guesty and related reservation technologies, may use operational analytics or technical tracking systems necessary for booking functionality and website performance.

11. EXTERNAL LINKS & THIRD-PARTY SERVICES

Our website or communications may contain links to external platforms or services.

Nukumi Club is not responsible for the privacy practices, security, or content of third-party websites or platforms.

Guests are encouraged to review the privacy policies of external providers independently.

12. POLICY UPDATES

Nukumi Club reserves the right to update or modify this Privacy Policy at any time to reflect:

  • operational changes,
  • legal requirements,
  • platform integrations,
  • or fiscal obligations.

Updated versions may be published on our website.

13. CONTACT INFORMATION

Nukumi Club
Santa Catalina, Panama
Website: www.clubnukumi.com
Email: manager@nukumiclub.com

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