Source: https://reeflabel.com/products/panama-jack-sunscreen-lotion-spf-4/ [Panama Jack](https://reeflabel.com/brands/panama-jack/) # Is Panama Jack Sunscreen Lotion SPF 4 Reef Safe? **Not everywhere.** Allowed in 4 of 9 places we track. [See why](#where) - Allowed: Hawaii - Not allowed: Maui County - Not allowed: Hawaiʻi County - Not allowed: U.S. Virgin Islands - Not allowed: Palau - Allowed: Aruba - Not allowed: Guam - Allowed: Northern Mariana Islands - Allowed: Thailand Contains chemical UV filters Panama Jack Sunscreen Lotion SPF 4 is allowed under the sunscreen laws of Hawaii statewide, Aruba, the Northern Mariana Islands and Thailand's national parks, but not in Maui County, Hawaiʻi County (Big Island), the U.S. Virgin Islands, Palau and Guam. It uses one chemical UV filter: octocrylene 2%. It is a body sunscreen lotion made by Panama Jack and is water resistant for up to 80 minutes. SPF**4** Water resistance**80 min** Format**lotion** Type**body** Sizes: 6 fl oz (177mL) SPF 4 is below SPF 30, the minimum the [American Academy of Dermatology](https://www.aad.org/public/everyday-care/sun-protection/shade-clothing-sunscreen/how-to-select-sunscreen) recommends when choosing a sunscreen. Where Panama Jack Sunscreen Lotion SPF 4 is allowed | Location | Verdict | Why | | --- | --- | --- | | [Maui County (Maui, Molokaʻi, Lānaʻi)](https://reeflabel.com/locations/maui-county/) | Not allowed | Octocrylene: not a permitted active (mineral only). | | [Hawaiʻi County (Big Island)](https://reeflabel.com/locations/hawaii-county/) | Not allowed | Octocrylene: not a permitted active (mineral only). | | [U.S. Virgin Islands](https://reeflabel.com/locations/us-virgin-islands/) | Not allowed | Octocrylene: banned by name. | | [Palau](https://reeflabel.com/locations/palau/) | Not allowed | Octocrylene and phenoxyethanol: banned by name. | | [Guam](https://reeflabel.com/locations/guam/) | Not allowed | Octocrylene: banned by name. | | [Hawaii (statewide)](https://reeflabel.com/locations/hawaii-state/) | Allowed | No restricted ingredients found. | | [Aruba](https://reeflabel.com/locations/aruba/) | Allowed | No restricted ingredients found. | | [Northern Mariana Islands (CNMI)](https://reeflabel.com/locations/northern-mariana-islands/) | Allowed | No restricted ingredients found. | | [Thailand (all national parks)](https://reeflabel.com/locations/thailand-national-parks/) | Allowed | No restricted ingredients found. | Guidance and repealed rules (4)
Mexico: federal marine protected areas (e.g., Isla Mujeres, Punta Cancún & Punta Nizuc)Against guidance
Octocrylene: not a mineral active.
Bonaire (Bonaire National Marine Park)Meets guidance
U.S. National Parks with coral reefs (NPS guidance)Against guidance
Octocrylene: not a mineral active.
Key West, FloridaNo rule in force
Panama Jack Sunscreen Lotion SPF 4 active ingredients | Ingredient | Amount | Type | | --- | --- | --- | | [Octocrylene](https://reeflabel.com/ingredients/octocrylene/) | 2% | Chemical | Panama Jack Sunscreen Lotion SPF 4 inactive ingredients Acrylates/C10-30 Alkyl Acrylate Crosspolymer, C12-15 Alkyl Benzoate, Camellia Sinensis (Green Tea) Leaf Extract, Carbomer, Cetyl Alcohol, Dimethicone, Disodium EDTA, Ethylhexylglycerin, Fragrance, Glyceryl Stearate, PEG-100 Stearate, [Phenoxyethanol](https://reeflabel.com/ingredients/phenoxyethanol/), [Polyethylene](https://reeflabel.com/ingredients/microplastics/), Propylene Glycol, Sodium Hydroxide, Stearyl Alcohol, Tocopheryl Acetate, Ubiquinone, Water, Xanthan Gum Highlighted ingredients are regulated somewhere; red ones are restricted in at least one location we track. Dotted ones are listed below. Fragrance allergens, essential oils and alcohol - **Fragrance:** listed as “Fragrance”. US labels don’t have to name the allergens inside a fragrance, so there may be more than this list shows. The EU requires these allergens to be named on cosmetic labels above 0.001% in leave-on products ([Regulation 1223/2009, Annex III](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02009R1223-20250501)). They can cause skin reactions in people who are sensitized; they don’t affect whether a sunscreen is legal anywhere we track. Note: panamajack.com prints no Drug Facts text, so the actives and inactive list were transcribed from the back-label image on the product page (https://cdn.shopify.com/s/files/1/0089/6221/1900/files/05.png). Not broad spectrum: the label carries the Skin Cancer/Skin Aging Alert for products that only prevent sunburn. Common questions about Panama Jack Sunscreen Lotion SPF 4 Is Panama Jack Sunscreen Lotion SPF 4 reef safe? “Reef safe” isn’t a regulated label claim, so we answer by law instead. It is allowed under the sunscreen laws of Hawaii statewide, Aruba, the Northern Mariana Islands and Thailand's national parks, but not in Maui County, Hawaiʻi County (Big Island), the U.S. Virgin Islands, Palau and Guam. Labels like “Hawaii Act 104 compliant” only mean a product has no oxybenzone or octinoxate; they don’t make a chemical sunscreen legal on Maui or the Big Island. Is Panama Jack Sunscreen Lotion SPF 4 legal in Hawaii? Under Hawaii’s statewide law (Act 104, which bans oxybenzone and octinoxate) it is allowed. In Maui County (Maui, Molokaʻi, Lānaʻi), which allows only mineral sunscreens, it is not allowed because it contains octocrylene, and Maui’s rule covers using it there, not just selling it. In Hawaiʻi County (the Big Island), which has a mineral-only rule for sales, it is not allowed. Oʻahu and Kauaʻi have no county rule, so only the statewide law applies there. Where is Panama Jack Sunscreen Lotion SPF 4 not allowed? Maui County: it contains octocrylene, which is not allowed there. Hawaiʻi County (Big Island): it contains octocrylene, which is not allowed there. The U.S. Virgin Islands: it contains octocrylene, which is not allowed there. Palau: it contains octocrylene and phenoxyethanol, which are not allowed there. Guam: it contains octocrylene, which is not allowed there. Does Panama Jack Sunscreen Lotion SPF 4 contain oxybenzone? No. It contains neither oxybenzone nor octinoxate, the two chemicals banned under Hawaii’s statewide law. Being oxybenzone-free does not make it mineral: it still uses chemical UV filters. Is Panama Jack Sunscreen Lotion SPF 4 a mineral or chemical sunscreen? Chemical. Its UV filters are octocrylene 2%. Is Panama Jack Sunscreen Lotion SPF 4 water resistant? Yes, for up to 80 minutes of swimming or sweating, according to its label. Reapply after 80 minutes in the water, immediately after towel drying, and at least every 2 hours. Source Ingredients transcribed from [panamajack.com](https://panamajack.com/products/sunscreen-suntan-lotion-spf-4-5104) on September 25, 2026. Formulas change. The label on the bottle you buy is the final word. Other versions of Panama Jack Sunscreen Lotion - [Sunscreen Lotion SPF 8](https://reeflabel.com/products/panama-jack-sunscreen-lotion-spf-8/) - [Sunscreen Lotion SPF 30](https://reeflabel.com/products/panama-jack-sunscreen-lotion-spf-30/) - [Sunscreen Lotion SPF 50](https://reeflabel.com/products/panama-jack-sunscreen-lotion-spf-50/) - [Sunscreen Lotion SPF 85](https://reeflabel.com/products/panama-jack-sunscreen-lotion-spf-85/) Check another label Paste any ingredient list into the checker for an instant verdict. [Check if a sunscreen is reef safe](https://reeflabel.com/checker/) Cite this page Reef Label. “Panama Jack Sunscreen Lotion SPF 4.” Accessed September 23, 2026. https://reeflabel.com/products/panama-jack-sunscreen-lotion-spf-4/ Alternatives to Panama Jack Sunscreen Lotion SPF 4 for Maui County, Hawaiʻi County (Big Island), the U.S. Virgin Islands, Palau and Guam Mineral sunscreens from other brands, allowed in all 5 places, ranked by label: water resistance, SPF 30–50, broad spectrum, no listed fragrance. 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