{"id":3,"date":"2025-07-21T23:11:56","date_gmt":"2025-07-21T21:11:56","guid":{"rendered":"https:\/\/payza.com.co\/?page_id=3"},"modified":"2025-07-23T10:12:01","modified_gmt":"2025-07-23T15:12:01","slug":"politica-privacidad","status":"publish","type":"page","link":"https:\/\/payza.com.co\/index.php\/politica-privacidad\/","title":{"rendered":"Pol\u00edtica de privacidad"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3\" class=\"elementor elementor-3\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e1a8bc6 e-flex e-con-boxed e-con e-parent\" data-id=\"3e1a8bc6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5db7d0b6 elementor-widget elementor-widget-text-editor\" data-id=\"5db7d0b6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\n<h2 class=\"wp-block-heading\" data-start=\"44\" data-end=\"88\">Qui\u00e9nes somos y c\u00f3mo usamos tus datos \ud83d\udee1\ufe0f<\/h2>\n<ol data-start=\"90\" data-end=\"851\">\n<li data-start=\"90\" data-end=\"149\">\n<p data-start=\"93\" data-end=\"149\"><strong data-start=\"93\" data-end=\"106\">Sitio web<\/strong><br data-start=\"106\" data-end=\"109\" \/><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Nuestra p\u00e1gina oficial es:\u202f<a href=\"https:\/\/payza.com.co\" target=\"_new\" rel=\"noopener noreferrer\" data-start=\"27\" data-end=\"47\">https:\/\/payza.com.co<\/a>.<\/span><\/p>\n<\/li>\n<li data-start=\"151\" data-end=\"272\">\n<p data-start=\"154\" data-end=\"272\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"31\" data-is-last-node=\"\" data-is-only-node=\"\">Comentarios y publicaciones<\/strong><\/span><br data-start=\"191\" data-end=\"194\" \/><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Cuando dejas un comentario, recopilamos la informaci\u00f3n del formulario, tu IP y datos del navegador para detectar spam. Se utiliza un hash de tu correo (Gravatar) para mostrar tu imagen, seg\u00fan su pol\u00edtica.<\/span><\/p>\n<\/li>\n<li data-start=\"274\" data-end=\"341\">\n<p data-start=\"277\" data-end=\"341\"><strong data-start=\"277\" data-end=\"298\">Medios (im\u00e1genes)<\/strong><br data-start=\"298\" data-end=\"301\" \/><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Si subes im\u00e1genes, evita datos de ubicaci\u00f3n (GPS EXIF), ya que cualquiera puede descargarlas y extraer esa informaci\u00f3n.<\/span><\/p>\n<\/li>\n<li data-start=\"343\" data-end=\"492\">\n<p data-start=\"346\" data-end=\"359\"><strong data-start=\"346\" data-end=\"357\">Cookies<\/strong><\/p>\n<ul data-start=\"363\" data-end=\"492\">\n<li data-start=\"363\" data-end=\"404\">\n<p data-start=\"365\" data-end=\"404\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Al comentar, guardamos tus datos (nombre, email, web) durante 1 a\u00f1o para facilitar futuros comentarios.<\/span><\/p>\n<\/li>\n<li data-start=\"408\" data-end=\"449\">\n<p data-start=\"410\" data-end=\"449\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Al iniciar sesi\u00f3n, dejamos cookies de acceso (2\u202fd\u00edas) y preferencias (1\u202fa\u00f1o); si eliges \u201cRecu\u00e9rdame\u201d, el acceso dura 2\u202fsemanas.<\/span><\/p>\n<\/li>\n<li data-start=\"453\" data-end=\"492\">\n<p data-start=\"455\" data-end=\"492\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Tambi\u00e9n generamos una cookie temporal para verificar compatibilidad, y otra cuando editas contenido por 1 d\u00eda.<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"494\" data-end=\"604\">\n<p data-start=\"497\" data-end=\"604\"><strong data-start=\"497\" data-end=\"521\">Contenido incrustado<\/strong><br data-start=\"521\" data-end=\"524\" \/><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Videos, im\u00e1genes o publicaciones pueden incrustarse en nuestra web. Estos contenidos pueden usar cookies y herramientas de seguimiento de terceros, como si visitaras esa web directamente<\/span><\/p>\n<\/li>\n<li data-start=\"606\" data-end=\"673\">\n<p data-start=\"609\" data-end=\"673\"><strong data-start=\"609\" data-end=\"628\">Compartir datos<\/strong><br data-start=\"628\" data-end=\"631\" \/><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Tu IP se incluye en los correos para restablecer tu contrase\u00f1a. Adem\u00e1s, puede pasarse por servicios de detecci\u00f3n de spam.<\/span><\/p>\n<\/li>\n<li data-start=\"675\" data-end=\"762\">\n<p data-start=\"678\" data-end=\"762\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"25\" data-is-last-node=\"\" data-is-only-node=\"\">Conservaci\u00f3n de datos<\/strong><\/span><br data-start=\"717\" data-end=\"720\" \/><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Comentarios y metadatos se guardan indefinidamente (para facilitar aprobaciones futuras). Si tienes cuenta, tus datos de perfil se conservan hasta que decidas modificarlos o eliminarlos.<\/span><\/p>\n<\/li>\n<li data-start=\"764\" data-end=\"851\">\n<p data-start=\"767\" data-end=\"851\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"28\" data-is-last-node=\"\" data-is-only-node=\"\">Derechos sobre tus datos<\/strong><\/span><br data-start=\"806\" data-end=\"809\" \/><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Puedes solicitar exportar o eliminar tus datos personales en cualquier momento, excepto los que debemos conservar por obligaciones legales o de seguridad.<\/span><\/p>\n<\/li>\n<\/ol>\n<hr data-start=\"853\" data-end=\"856\" \/>\n<h2 data-start=\"858\" data-end=\"903\">Avisos legales y T\u00e9rminos y Condiciones \ud83d\udcc4<\/h2>\n<ol data-start=\"905\" data-end=\"2103\">\n<li data-start=\"905\" data-end=\"992\">\n<p data-start=\"908\" data-end=\"992\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"23\" data-is-last-node=\"\" data-is-only-node=\"\">Edad y elegibilidad<\/strong><\/span><br data-start=\"947\" data-end=\"950\" \/><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Dirigido a personas naturales de <strong data-start=\"33\" data-end=\"49\">18 a 74 a\u00f1os<\/strong>, residentes en Colombia o EE.\u202fUU.<\/span><\/p>\n<\/li>\n<li data-start=\"994\" data-end=\"1170\">\n<p data-start=\"997\" data-end=\"1038\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"33\" data-is-last-node=\"\" data-is-only-node=\"\">Tasas de inter\u00e9s y comisiones<\/strong><\/span><\/p>\n<ul data-start=\"1042\" data-end=\"1170\">\n<li data-start=\"1042\" data-end=\"1125\">\n<p data-start=\"1044\" data-end=\"1125\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Se aplican siempre dentro del rango legal (Tasa Efectiva Anual), sin superar 1,5\u202f\u00d7\u202ftasa de usura de la Superfinanciera.<\/span><\/p>\n<\/li>\n<li data-start=\"1129\" data-end=\"1170\">\n<p data-start=\"1131\" data-end=\"1170\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Todas las comisiones est\u00e1n incluidas en la EA, conforme al art\u00edculo 68 de la Ley\u202f45\/1990.<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"1172\" data-end=\"1289\">\n<p data-start=\"1175\" data-end=\"1289\"><strong data-start=\"1175\" data-end=\"1204\">Transparencia informativa<\/strong><br data-start=\"1204\" data-end=\"1207\" \/><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Al solicitar tu cr\u00e9dito recibir\u00e1s: tasa remuneratoria, moratoria, valor y n\u00famero de cuotas, periodicidad y cronograma, seg\u00fan exigencias de la Ley\u202f1480\/2011\u202f<\/span><span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]! transition-colors duration-150 ease-in-out\" href=\"https:\/\/privacyinternational.org\/state-privacy\/58\/state-privacy-colombia?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between overflow-hidden\"><span class=\"max-w-full grow truncate overflow-hidden text-center\">privacyinternational.org<\/span><\/span><\/span><\/a><\/span><\/span>.<\/p>\n<\/li>\n<li data-start=\"1291\" data-end=\"1418\">\n<p data-start=\"1294\" data-end=\"1418\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"21\" data-is-last-node=\"\" data-is-only-node=\"\">Usura y sanciones<\/strong><\/span><br data-start=\"1333\" data-end=\"1336\" \/><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Cobros por encima de lo permitido son penados, pudiendo conllevar devoluci\u00f3n de intereses, multas o sanciones administrativas y penales\u202f<\/span><\/p>\n<\/li>\n<li data-start=\"1420\" data-end=\"1547\">\n<p data-start=\"1423\" data-end=\"1547\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"33\" data-is-last-node=\"\" data-is-only-node=\"\">Pago anticipado sin penalidad<\/strong><\/span><br data-start=\"1462\" data-end=\"1465\" \/><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Puedes pagar antes de tiempo sin cargos adicionales; solo liquidar\u00e1s el inter\u00e9s generado hasta la fecha.<\/span><\/p>\n<\/li>\n<li data-start=\"1549\" data-end=\"1676\">\n<p data-start=\"1552\" data-end=\"1676\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"28\" data-is-last-node=\"\" data-is-only-node=\"\">Protecci\u00f3n al consumidor<\/strong><\/span><br data-start=\"1591\" data-end=\"1594\" \/><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Payza garantiza informaci\u00f3n veraz, suficiente, oportuna y comprensible; no usa cl\u00e1usulas abusivas, conforme al Estatuto del Consumidor y la Superintendencia de Industria y Comercio.<\/span><\/p>\n<\/li>\n<li data-start=\"1678\" data-end=\"1805\">\n<p data-start=\"1681\" data-end=\"1805\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"23\" data-is-last-node=\"\" data-is-only-node=\"\">Privacidad de datos<\/strong><\/span><br data-start=\"1720\" data-end=\"1723\" \/><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Tratamos tus datos solo para evaluaci\u00f3n crediticia, conforme a la Ley 1581\/2012 (Habeas Data) y la Ley 1266\/2008 (financiera). Requiere tu consentimiento para compartir informaci\u00f3n con centrales de riesgo o terceros.<\/span><\/p>\n<\/li>\n<li data-start=\"1807\" data-end=\"1918\">\n<p data-start=\"1810\" data-end=\"1918\"><strong data-start=\"1810\" data-end=\"1833\">Sandbox regulatorio<\/strong><br data-start=\"1833\" data-end=\"1836\" \/><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Payza opera bajo el <strong data-start=\"20\" data-end=\"41\">Sandbox de la SFC<\/strong> (InnovaSFC \/ LaArenera), con licencia para probar productos innovadores en un entorno regulado.<\/span><\/p>\n<\/li>\n<li data-start=\"1920\" data-end=\"2103\">\n<p data-start=\"1923\" data-end=\"2103\"><strong data-start=\"1923\" data-end=\"1940\">Ley aplicable<\/strong><br data-start=\"1940\" data-end=\"1943\" \/>Se rige por el C\u00f3digo de Comercio, Leyes 45\/1990, 1480\/2011, 1581\/2012, sus decretos reglamentarios y supervisi\u00f3n de la Superintendencia Financiera y la SIC.<\/p>\n<\/li>\n<\/ol>\n\n<p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Qui\u00e9nes somos y c\u00f3mo usamos tus datos \ud83d\udee1\ufe0f Sitio webNuestra p\u00e1gina oficial es:\u202fhttps:\/\/payza.com.co. Comentarios y publicacionesCuando dejas un comentario, recopilamos la informaci\u00f3n del formulario, tu IP y datos del navegador para detectar spam. Se utiliza un hash de tu correo (Gravatar) para mostrar tu imagen, seg\u00fan su pol\u00edtica. Medios (im\u00e1genes)Si subes im\u00e1genes, evita datos de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"tpgb_global_settings":"","footnotes":""},"class_list":["post-3","page","type-page","status-publish","hentry"],"tpgb_featured_images":null,"tpgb_post_meta_info":{"get_date":"21 de julio de 2025","get_modified_date":"23 de julio de 2025","author_name":"admin_iq58r02p","author_url":"https:\/\/payza.com.co\/index.php\/author\/admin_iq58r02p\/","author_email":"admin@payza.com.co","author_website":"https:\/\/payza.com.co","author_description":"","author_facebook":"","author_twitter":"","author_instagram":"","author_role":["administrator"],"author_firstname":"","author_lastname":"","user_login":"admin_iq58r02p","author_avatar":"<img alt='' src='https:\/\/secure.gravatar.com\/avatar\/11192fe99620bc6af2711969b582e27527042d3c8427dc21674c8521fbb67582?s=200&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/11192fe99620bc6af2711969b582e27527042d3c8427dc21674c8521fbb67582?s=400&#038;d=mm&#038;r=g 2x' class='avatar avatar-200 photo' height='200' width='200' decoding='async'\/>","author_avatar_url":"https:\/\/secure.gravatar.com\/avatar\/11192fe99620bc6af2711969b582e27527042d3c8427dc21674c8521fbb67582?s=96&d=mm&r=g","comment_count":0,"post_likes":0,"post_views":0},"tpgb_post_category":[],"_links":{"self":[{"href":"https:\/\/payza.com.co\/index.php\/wp-json\/wp\/v2\/pages\/3","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/payza.com.co\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/payza.com.co\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/payza.com.co\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/payza.com.co\/index.php\/wp-json\/wp\/v2\/comments?post=3"}],"version-history":[{"count":6,"href":"https:\/\/payza.com.co\/index.php\/wp-json\/wp\/v2\/pages\/3\/revisions"}],"predecessor-version":[{"id":747,"href":"https:\/\/payza.com.co\/index.php\/wp-json\/wp\/v2\/pages\/3\/revisions\/747"}],"wp:attachment":[{"href":"https:\/\/payza.com.co\/index.php\/wp-json\/wp\/v2\/media?parent=3"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}