The framework
Panama regulates personal data through Law 81 of 2019 on Personal Data Protection, supervised by the ANTAI.
For advertisers the consent posture matters most, and Panama sits in the opt-in bloc, where tracking and outreach need permission up front.
Key instruments
Law 81 of 2019 on Personal Data Protection
Panama's Law 81 took effect in 2021 with ANTAI supervising; a workable GDPR-lite framework for a services-heavy economy.
Marketing and advertising
Consent or listed bases; in force since 2021 with a 2021 executive decree. Most channel decisions here follow from that consent rule.
Cross-border transfers
Transfers abroad need an adequate destination or appropriate safeguards such as contractual clauses.
Enforcement and penalties
Fines reach USD 10,000 plus other sanctions, a modest ceiling.