Hello, my name is Rusty. How long have you had the camera?
Ok, smudges on the inside of the lens, or on the image sensor cause the dark spot. It's due to either electronic failure (sensor) or it had not been kept clean at the factory (inner lens).
Panasonic doesn't make it easy to get your warranty repair, but you are covered for parts and labor for one year. I've had to spend significant time gathering their warranty contact info. Here is where you send it:
PANASONIC FACTORY SERVICE CENTER 4900 GEORGE MCVAY DR, MCALLEN, TX###-##-####br />
You will need to call them to make sure it doesn't get lost. They will give you further instructions to take advantage of your warranty.
Mon-Fri 9am-9pm EST
Sat-Sun 12pm-5pm EST
They are open for another 2 hours today, let me know if they give you any grief. :-)