{"id":68461,"date":"2025-10-16T13:45:07","date_gmt":"2025-10-16T20:45:07","guid":{"rendered":"https:\/\/vida-sabia.com\/?page_id=68461"},"modified":"2025-10-16T13:45:48","modified_gmt":"2025-10-16T20:45:48","slug":"suspicious-or-fraudulent-activity-risk-assessment-policy","status":"publish","type":"page","link":"https:\/\/vida-sabia.com\/es\/suspicious-or-fraudulent-activity-risk-assessment-policy\/","title":{"rendered":"Pol\u00edtica de Evaluaci\u00f3n de Riesgos \/ Actividad Sospechosa o Fraudulenta"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"68461\" class=\"elementor elementor-68461\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-acc8500 e-con-full e-flex e-con e-parent\" data-id=\"acc8500\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e47a372 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e47a372\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bd45085 e-con-full e-flex e-con e-child\" data-id=\"bd45085\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b11635 elementor-widget elementor-widget-html\" data-id=\"4b11635\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!DOCTYPE html>\n<html lang=\"en\">\n<head>\n    <meta charset=\"UTF-8\">\n    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n    <title>Vida Sabia Header - Updated Colors<\/title>\n    \n    <!-- Icons8 Line Awesome -->\n    <link rel=\"stylesheet\" href=\"https:\/\/maxst.icons8.com\/vue-static\/landings\/line-awesome\/line-awesome\/1.3.0\/css\/line-awesome.min.css\">\n    \n    <style>\n        \/* ================================\n           SCOPED HEADER STYLES\n           All styles prefixed with .vida-sabia-header\n           to avoid conflicts with external styles\n           ================================ *\/\n\n        .vida-sabia-header-wrapper {\n            \/* Vida Sabia Brand Colors - Updated Palette *\/\n            --vida-sabia-dark-green: #2d7a3e;\n            --vida-sabia-leaf-green: #7cb342;\n            --vida-sabia-lime-green: #9ccc65;\n            --vida-sabia-yellow-green: #d4e157;\n            --vida-sabia-forest: #1b5e20;\n            --vida-sabia-amber: #fbc02d;\n            --vida-sabia-mint: #81c784;\n            --vida-sabia-dark: #0f172a;\n            --vida-sabia-white: #ffffff;\n            \n            \/* Gradients using new color palette *\/\n            --vida-sabia-primary-gradient: linear-gradient(135deg, #7cb342 0%, #2d7a3e 100%);\n            --vida-sabia-secondary-gradient: linear-gradient(135deg, #9ccc65 0%, #7cb342 100%);\n            --vida-sabia-accent-gradient: linear-gradient(135deg, #d4e157 0%, #9ccc65 100%);\n            --vida-sabia-dark-bg: #ffffff;\n            --vida-sabia-card-bg: rgba(124, 179, 66, 0.06);\n            --vida-sabia-text-light: #0f172a;\n            --vida-sabia-accent-primary: #7cb342;\n            --vida-sabia-accent-secondary: #9ccc65;\n            --vida-sabia-accent-tertiary: #d4e157;\n            --vida-sabia-border-color: rgba(124, 179, 66, 0.15);\n            --vida-sabia-hover-bg: rgba(124, 179, 66, 0.08);\n        }\n\n        \/* Automatic body padding to prevent content from being hidden under fixed header *\/\n        body {\n            padding-top: 80px !important; \/* Default padding for mobile *\/\n        }\n\n        @media (min-width: 768px) {\n            body {\n                padding-top: 90px !important; \/* Increased padding for desktop *\/\n            }\n        }\n\n        \/* Header Container *\/\n        .vida-sabia-header-wrapper {\n            position: fixed;\n            top: 0;\n            width: 100%;\n            left: 0;\n            right: 0;\n            z-index: 1000;\n            background: rgba(255, 255, 255, 0.95);\n            backdrop-filter: blur(20px);\n            -webkit-backdrop-filter: blur(20px);\n            border-bottom: 2px solid rgba(124, 179, 66, 0.12);\n            box-shadow: 0 2px 12px rgba(124, 179, 66, 0.08);\n            transition: all 0.3s ease;\n            min-height: 60px;\n            height: auto;\n        }\n\n        .vida-sabia-header-wrapper.scrolled {\n            background: rgba(255, 255, 255, 0.98);\n            box-shadow: 0 4px 20px rgba(124, 179, 66, 0.15);\n            border-bottom-color: rgba(124, 179, 66, 0.2);\n        }\n\n        \/* Navigation *\/\n        .vida-sabia-header-wrapper .vida-sabia-nav {\n            display: flex;\n            justify-content: space-between;\n            align-items: center;\n            padding: 0.75rem 1rem;\n            width: 100%;\n            max-width: 1600px;\n            margin: 0 auto;\n            min-height: 60px;\n            flex-wrap: nowrap;\n            gap: 0.5rem;\n        }\n\n        @media (min-width: 768px) {\n            .vida-sabia-header-wrapper .vida-sabia-nav {\n                padding: 1rem 1.5rem;\n                gap: 0.75rem;\n            }\n        }\n\n        @media (min-width: 1200px) {\n            .vida-sabia-header-wrapper .vida-sabia-nav {\n                padding: 1rem 2rem;\n            }\n        }\n\n        \/* Logo *\/\n        .vida-sabia-header-wrapper .vida-sabia-logo {\n            display: flex;\n            align-items: center;\n            gap: 0.75rem;\n            z-index: 1002;\n            flex-shrink: 0;\n        }\n\n        \/* Mobile: Center the logo *\/\n        @media (max-width: 767px) {\n            .vida-sabia-header-wrapper .vida-sabia-logo {\n                order: 2;\n                flex: 1;\n                justify-content: center;\n            }\n        }\n\n        .vida-sabia-header-wrapper .vida-sabia-logo a {\n            display: flex;\n            align-items: center;\n            text-decoration: none;\n            cursor: pointer;\n        }\n\n        .vida-sabia-header-wrapper .vida-sabia-logo img {\n            height: 45px;\n            width: auto;\n            filter: drop-shadow(0 2px 8px rgba(124, 179, 66, 0.25));\n            transition: all 0.3s ease;\n            cursor: pointer;\n        }\n\n        .vida-sabia-header-wrapper .vida-sabia-logo a:hover img {\n            opacity: 0.85;\n            transform: scale(1.02);\n        }\n\n        @media (min-width: 768px) {\n            .vida-sabia-header-wrapper .vida-sabia-logo img {\n                height: 50px;\n            }\n        }\n\n        @media (min-width: 1200px) {\n            .vida-sabia-header-wrapper .vida-sabia-logo img {\n                height: 55px;\n            }\n        }\n\n        \/* Desktop Navigation Links *\/\n        .vida-sabia-header-wrapper .vida-sabia-nav-links {\n            display: none;\n            gap: clamp(1rem, 2vw, 2rem);\n            align-items: center;\n            flex-wrap: wrap;\n            justify-content: flex-end;\n            flex: 1;\n            max-width: 100%;\n            overflow: hidden;\n        }\n\n        @media (min-width: 768px) {\n            .vida-sabia-header-wrapper .vida-sabia-nav-links {\n                display: flex;\n            }\n        }\n\n        \/* Navigation Link Styles *\/\n        .vida-sabia-header-wrapper .vida-sabia-nav-links a {\n            color: var(--vida-sabia-text-light);\n            text-decoration: none;\n            transition: all 0.3s ease;\n            position: relative;\n            font-weight: 500;\n            white-space: nowrap;\n            font-size: clamp(0.85rem, 1vw, 1rem);\n            padding: 0.25rem 0.5rem;\n        }\n\n        .vida-sabia-header-wrapper .vida-sabia-nav-links a::after {\n            content: '';\n            position: absolute;\n            bottom: -5px;\n            left: 0;\n            width: 0;\n            height: 2px;\n            background: var(--vida-sabia-primary-gradient);\n            transition: width 0.3s ease;\n        }\n\n        .vida-sabia-header-wrapper .vida-sabia-nav-links a:hover::after {\n            width: 100%;\n        }\n\n        .vida-sabia-header-wrapper .vida-sabia-nav-links a:hover {\n            color: var(--vida-sabia-leaf-green);\n        }\n\n        \/* Buttons *\/\n        .vida-sabia-header-wrapper .vida-sabia-btn {\n            padding: 0.6rem 1.5rem;\n            border-radius: 25px;\n            text-decoration: none;\n            font-weight: 600;\n            transition: all 0.3s ease;\n            display: inline-block;\n            border: none;\n            cursor: pointer;\n            font-size: 0.9rem;\n            white-space: nowrap;\n            text-align: center;\n            flex-shrink: 0;\n        }\n\n        .vida-sabia-header-wrapper .vida-sabia-btn-primary {\n            background: var(--vida-sabia-primary-gradient);\n            color: white !important;\n            box-shadow: 0 4px 16px rgba(124, 179, 66, 0.35);\n        }\n\n        .vida-sabia-header-wrapper .vida-sabia-btn-primary:hover {\n            transform: translateY(-3px);\n            box-shadow: 0 8px 24px rgba(124, 179, 66, 0.5);\n            color: white !important;\n        }\n\n        .vida-sabia-header-wrapper .vida-sabia-btn-secondary {\n            background: rgba(124, 179, 66, 0.05);\n            color: white !important;\n            border: 2px solid rgba(124, 179, 66, 0.3);\n        }\n\n        .vida-sabia-header-wrapper .vida-sabia-btn-secondary:hover {\n            background: rgba(124, 179, 66, 0.12);\n            border-color: var(--vida-sabia-leaf-green);\n            color: white !important;\n        }\n\n        \/* Hide My Account button by default (shown only when logged in) *\/\n        .vida-sabia-header-wrapper .vida-sabia-btn-myaccount {\n            display: none;\n        }\n\n        .vida-sabia-header-wrapper.logged-in .vida-sabia-btn-myaccount {\n            display: inline-block;\n        }\n\n        \/* Hide My Account button on mobile screens - only show on desktop *\/\n        @media (max-width: 767px) {\n            .vida-sabia-header-wrapper .vida-sabia-btn-myaccount {\n                display: none !important;\n            }\n        }\n\n        \/* Cart Wrapper - Desktop *\/\n        .vida-sabia-header-wrapper .vida-sabia-cart-wrapper {\n            display: none;\n            align-items: center;\n            flex-shrink: 0;\n            margin-left: 0.5rem;\n        }\n\n        @media (min-width: 768px) {\n            .vida-sabia-header-wrapper .vida-sabia-cart-wrapper {\n                display: flex;\n            }\n        }\n\n        \/* Cart Wrapper - Mobile *\/\n        .vida-sabia-header-wrapper .vida-sabia-cart-wrapper-mobile {\n            display: flex;\n            align-items: center;\n            flex-shrink: 0;\n            order: 3;\n        }\n\n        @media (min-width: 768px) {\n            .vida-sabia-header-wrapper .vida-sabia-cart-wrapper-mobile {\n                display: none;\n            }\n        }\n\n        \/* Mobile Navigation Container *\/\n        .vida-sabia-header-wrapper .vida-sabia-mobile-nav-container {\n            display: flex;\n            align-items: center;\n            gap: 0.5rem;\n            order: 1;\n        }\n\n        @media (min-width: 768px) {\n            .vida-sabia-header-wrapper .vida-sabia-mobile-nav-container {\n                display: none;\n            }\n        }\n\n        \/* Hamburger Menu *\/\n        .vida-sabia-header-wrapper .vida-sabia-hamburger {\n            display: flex;\n            flex-direction: column;\n            justify-content: space-between;\n            width: 30px;\n            height: 24px;\n            cursor: pointer;\n            z-index: 1002;\n            padding: 5px;\n            background: transparent;\n            border: none;\n            outline: none;\n        }\n\n        .vida-sabia-header-wrapper .vida-sabia-hamburger span {\n            display: block;\n            width: 100%;\n            height: 3px;\n            background: var(--vida-sabia-text-light);\n            border-radius: 3px;\n            transition: all 0.3s ease;\n        }\n\n        .vida-sabia-header-wrapper .vida-sabia-hamburger.active span:nth-child(1) {\n            transform: translateY(10.5px) rotate(45deg);\n        }\n\n        .vida-sabia-header-wrapper .vida-sabia-hamburger.active span:nth-child(2) {\n            opacity: 0;\n        }\n\n        .vida-sabia-header-wrapper .vida-sabia-hamburger.active span:nth-child(3) {\n            transform: translateY(-10.5px) rotate(-45deg);\n        }\n\n        \/* Mobile Menu Overlay *\/\n        .vida-sabia-mobile-menu {\n            position: fixed;\n            top: 0;\n            left: 0;\n            width: 100%;\n            height: 100vh;\n            background: rgba(255, 255, 255, 0.98);\n            backdrop-filter: blur(30px);\n            -webkit-backdrop-filter: blur(30px);\n            z-index: 999;\n            opacity: 0;\n            visibility: hidden;\n            transition: opacity 0.3s ease, visibility 0.3s ease;\n            pointer-events: none;\n        }\n\n        .vida-sabia-mobile-menu.active {\n            opacity: 1;\n            visibility: visible;\n            pointer-events: auto;\n        }\n\n        .vida-sabia-mobile-menu .vida-sabia-mobile-menu-content {\n            display: flex;\n            flex-direction: column;\n            align-items: center;\n            justify-content: center;\n            height: 100%;\n            padding: 2rem;\n        }\n\n        .vida-sabia-mobile-menu .vida-sabia-mobile-menu-links {\n            display: flex;\n            flex-direction: column;\n            gap: 2rem;\n            text-align: center;\n            margin-bottom: 3.5rem;\n        }\n\n        .vida-sabia-mobile-menu .vida-sabia-mobile-menu-links a {\n            color: var(--vida-sabia-text-light);\n            text-decoration: none;\n            font-size: clamp(1.25rem, 4vw, 1.5rem);\n            font-weight: 600;\n            transition: all 0.3s ease;\n            padding: 0.5rem 1rem;\n        }\n\n        .vida-sabia-mobile-menu .vida-sabia-mobile-menu-links a:hover {\n            color: var(--vida-sabia-leaf-green);\n            transform: translateX(5px);\n        }\n\n        .vida-sabia-mobile-menu .vida-sabia-mobile-menu-buttons {\n            display: flex;\n            flex-direction: column;\n            gap: 1rem;\n            width: 100%;\n            max-width: 320px;\n            padding-top: 2rem;\n            border-top: 1px solid rgba(124, 179, 66, 0.2);\n        }\n\n        \/* Enhanced mobile menu button styles *\/\n        .vida-sabia-mobile-menu .vida-sabia-btn {\n            padding: 1rem 2rem;\n            font-size: 1rem;\n            font-weight: 600;\n            border-radius: 30px;\n            transition: all 0.3s ease;\n            box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);\n        }\n\n        .vida-sabia-mobile-menu .vida-sabia-btn-secondary {\n            background: linear-gradient(135deg, rgba(124, 179, 66, 0.08) 0%, rgba(45, 122, 62, 0.08) 100%);\n            border: 2px solid rgba(124, 179, 66, 0.4);\n            color: white !important;\n        }\n\n        .vida-sabia-mobile-menu .vida-sabia-btn-secondary:active {\n            transform: scale(0.98);\n            box-shadow: 0 2px 8px rgba(0, 0, 0, 0.15);\n            color: white !important;\n        }\n\n        .vida-sabia-mobile-menu .vida-sabia-btn-primary {\n            background: var(--vida-sabia-primary-gradient);\n            color: white !important;\n            box-shadow: 0 6px 20px rgba(124, 179, 66, 0.4);\n        }\n\n        .vida-sabia-mobile-menu .vida-sabia-btn-primary:active {\n            transform: scale(0.98);\n            box-shadow: 0 4px 16px rgba(124, 179, 66, 0.5);\n            color: white !important;\n        }\n\n        \/* Hide mobile My Account button by default *\/\n        .vida-sabia-mobile-menu .vida-sabia-btn-myaccount-mobile {\n            display: none;\n        }\n\n        .vida-sabia-header-wrapper.logged-in ~ .vida-sabia-mobile-menu .vida-sabia-btn-myaccount-mobile {\n            display: inline-block;\n        }\n\n        \/* Locale Switcher *\/\n        .vida-sabia-header-wrapper .vida-sabia-locale-switcher-wrapper {\n            display: flex;\n            align-items: center;\n            min-width: fit-content;\n            flex-shrink: 0;\n        }\n    <\/style>\n<\/head>\n<body>\n\n<!-- VIDA SABIA HEADER COMPONENT START -->\n<div class=\"vida-sabia-header-wrapper\" id=\"vida-sabiaHeader\">\n    <nav class=\"vida-sabia-nav\">\n        <!-- Mobile: Hamburger on the left -->\n        <div class=\"vida-sabia-mobile-nav-container\">\n            <div class=\"vida-sabia-hamburger\" id=\"vida-sabiaHamburger\">\n                <span><\/span>\n                <span><\/span>\n                <span><\/span>\n            <\/div>\n        <\/div>\n        \n        <!-- Logo - centered on mobile, left on desktop -->\n        <div class=\"vida-sabia-logo\">\n            <a href=\"\/es\/\">\n                <img decoding=\"async\" src=\"https:\/\/vida-sabia.com\/wp-content\/uploads\/2025\/10\/Result%20(90).webp\" alt=\"Vida Sabia\">\n            <\/a>\n        <\/div>\n        \n        <!-- Desktop Navigation -->\n        <div class=\"vida-sabia-nav-links\">\n            <a href=\"\/es\/index.html\/\">Inicio<\/a>\n            <a href=\"\/es\/packages.html\/\">Paquetes<\/a>\n            <a href=\"\/es\/c_login\/\" id=\"desktopLoginLink\">Iniciar sesi\u00f3n<\/a>\n            \n            <div class=\"vida-sabia-locale-switcher-wrapper\" id=\"vida-sabiaLocaleSwitcher\">    <div class=\"ulcs-widget minimal-style\"\n         data-position=\"inline\" \n         data-type=\"both\">\n        <button class=\"ulcs-trigger\" aria-label=\"Cambiar ambos\">\n            <div class=\"ulcs-current\">\n                                    <span class=\"ulcs-flag\">\ud83c\uddea\ud83c\uddf8<\/span>\n                    <span class=\"ulcs-lang\">ES<\/span>\n                                \n                                    <span class=\"ulcs-divider\">|<\/span>\n                                \n                                    <span class=\"ulcs-currency-symbol\">$<\/span>\n                    <span class=\"ulcs-currency-code\">USD<\/span>\n                            <\/div>\n            <svg class=\"ulcs-arrow\" width=\"12\" height=\"12\" viewbox=\"0 0 12 12\" fill=\"none\">\n                <path d=\"M3 4.5L6 7.5L9 4.5\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n            <\/svg>\n        <\/button>\n    <\/div>\n    <\/div>\n            \n            <!-- My Account button - hidden by default, shown when logged in (DESKTOP ONLY) -->\n            <a href=\"\/es\/my-account\/\" class=\"vida-sabia-btn vida-sabia-btn-primary vida-sabia-btn-myaccount\" id=\"desktopMyAccountBtn\">Mi cuenta<\/a>\n        <\/div>\n        \n        <!-- Cart - Desktop (right side) -->\n        <div class=\"vida-sabia-cart-wrapper\">\n            \n        <\/div>\n        \n        <!-- Cart - Mobile (right side) -->\n        <div class=\"vida-sabia-cart-wrapper-mobile\">\n            \n        <\/div>\n    <\/nav>\n<\/div>\n\n<!-- Mobile Menu Overlay -->\n<div class=\"vida-sabia-mobile-menu\" id=\"vida-sabiaMobileMenu\">\n    <div class=\"vida-sabia-mobile-menu-content\">\n        <div class=\"vida-sabia-mobile-menu-links\">\n            <a href=\"\/es\/index.html\/\">Inicio<\/a>\n            <a href=\"\/es\/packages.html\/\">Paquetes<\/a>\n        <\/div>\n        <div class=\"vida-sabia-mobile-menu-buttons\">\n            <a href=\"\/es\/c_login\/\" class=\"vida-sabia-btn vida-sabia-btn-secondary\" id=\"mobileLoginLink\">Iniciar sesi\u00f3n<\/a>\n            \n            <!-- My Account button for mobile menu - hidden by default, shown when logged in -->\n            <a href=\"\/es\/my-account\/\" class=\"vida-sabia-btn vida-sabia-btn-primary vida-sabia-btn-myaccount-mobile\" id=\"mobileMyAccountBtn\">Mi cuenta<\/a>\n            \n            <div class=\"vida-sabia-locale-switcher-wrapper\" id=\"vida-sabiaLocaleSwitcherMobile\" style=\"margin-top: 1rem;\"><center>    <div class=\"ulcs-widget minimal-style\"\n         data-position=\"inline\" \n         data-type=\"both\">\n        <button class=\"ulcs-trigger\" aria-label=\"Cambiar ambos\">\n            <div class=\"ulcs-current\">\n                                    <span class=\"ulcs-flag\">\ud83c\uddea\ud83c\uddf8<\/span>\n                    <span class=\"ulcs-lang\">ES<\/span>\n                                \n                                    <span class=\"ulcs-divider\">|<\/span>\n                                \n                                    <span class=\"ulcs-currency-symbol\">$<\/span>\n                    <span class=\"ulcs-currency-code\">USD<\/span>\n                            <\/div>\n            <svg class=\"ulcs-arrow\" width=\"12\" height=\"12\" viewbox=\"0 0 12 12\" fill=\"none\">\n                <path d=\"M3 4.5L6 7.5L9 4.5\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n            <\/svg>\n        <\/button>\n    <\/div>\n    <\/center><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<script>\n\/\/ ================================\n\/\/ VIDA SABIA HEADER SCRIPTS\n\/\/ All namespaced to avoid conflicts\n\/\/ ================================\n(function() {\n    'use strict';\n    \n    const header = document.getElementById('vida-sabiaHeader');\n    const hamburger = document.getElementById('vida-sabiaHamburger');\n    const mobileMenu = document.getElementById('vida-sabiaMobileMenu');\n    const mobileMenuLinks = document.querySelectorAll('.vida-sabia-mobile-menu .vida-sabia-mobile-menu-links a');\n    const body = document.body;\n\n    \/\/ Function to dynamically set body padding based on header height\n    function adjustBodyPadding() {\n        if (header) {\n            const headerHeight = header.offsetHeight;\n            body.style.paddingTop = headerHeight + 'px';\n        }\n    }\n\n    \/\/ Adjust padding on load and resize\n    adjustBodyPadding();\n    window.addEventListener('resize', adjustBodyPadding);\n    window.addEventListener('load', adjustBodyPadding);\n\n    \/\/ Mobile Navigation Toggle\n    if (hamburger && mobileMenu) {\n        hamburger.addEventListener('click', function(e) {\n            e.stopPropagation();\n            this.classList.toggle('active');\n            mobileMenu.classList.toggle('active');\n            \n            if (mobileMenu.classList.contains('active')) {\n                body.style.overflow = 'hidden';\n            } else {\n                body.style.overflow = '';\n            }\n        });\n\n        \/\/ Close menu when clicking a link\n        mobileMenuLinks.forEach(link => {\n            link.addEventListener('click', function() {\n                hamburger.classList.remove('active');\n                mobileMenu.classList.remove('active');\n                body.style.overflow = '';\n            });\n        });\n\n        \/\/ Close menu when clicking outside\n        document.addEventListener('click', function(e) {\n            if (!mobileMenu.contains(e.target) && !hamburger.contains(e.target)) {\n                if (mobileMenu.classList.contains('active')) {\n                    hamburger.classList.remove('active');\n                    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      .content {\n                padding: 30px 20px;\n            }\n\n            h2 {\n                font-size: 1.5em;\n            }\n\n            .fraud-types,\n            .prevention-grid {\n                grid-template-columns: 1fr;\n            }\n\n            .process-step {\n                flex-direction: column;\n            }\n\n            .step-number {\n                margin-bottom: 15px;\n            }\n        }\n    <\/style>\n<\/head>\n<body>\n    <div class=\"container\">\n        <div class=\"header\">\n            <h1>POL\u00cdTICA SOBRE ACTIVIDADES SOSPECHOSAS O FRAUDULENTAS<\/h1>\n            <p class=\"subtitle\">Evaluaci\u00f3n de Riesgos y Prevenci\u00f3n de Fraude<\/p>\n            <p>Vida Sabia - Protegiendo Nuestra Comunidad<\/p>\n        <\/div>\n\n        <div class=\"content\">\n            <div class=\"effective-date\">\n                Fecha de entrada en vigor: Octubre 2025\n            <\/div>\n\n            <div class=\"intro\">\n                <h3 style=\"color: #0d47a1; margin-top: 0;\">Aviso importante<\/h3>\n                <p>Esta pol\u00edtica describe los procedimientos y responsabilidades para identificar, evaluar, reportar y responder a actividades sospechosas o fraudulentas, con el fin de proteger a Vida Sabia, sus miembros y partes interesadas de da\u00f1os financieros y reputacionales.<\/p>\n            <\/div>\n\n            <div class=\"divider\"><\/div>\n\n            <!-- Section 1: Purpose -->\n            <h2><span class=\"section-number\">1<\/span>PROP\u00d3SITO<\/h2>\n            <p>Esta pol\u00edtica establece procedimientos integrales para:<\/p>\n            <ul>\n                <li>Identificar actividades potencialmente fraudulentas o sospechosas<\/li>\n                <li>Evaluar y valorar los riesgos asociados a tales actividades<\/li>\n                <li>Reporta incidentes a trav\u00e9s de los canales adecuados.<\/li>\n                <li>Responder eficazmente para proteger Vida Sabia y su comunidad<\/li>\n                <li>Evitar da\u00f1os financieros y de reputaci\u00f3n<\/li>\n            <\/ul>\n\n            <div class=\"divider\"><\/div>\n\n            <!-- Section 2: Scope -->\n            <h2><span class=\"section-number\">2<\/span>ALCANCE<\/h2>\n            <div class=\"info-box\">\n                <h3>\u00bfA qui\u00e9n se aplica esta pol\u00edtica?<\/h3>\n                <p>Esta pol\u00edtica se aplica a <strong>todas las personas y entidades<\/strong> asociado con Vida Sabia, incluyendo:<\/p>\n                <ul>\n                    <li>Todos los empleados y miembros del personal<\/li>\n                    <li>Socios de Marca Independientes (IBP)<\/li>\n                    <li>Clientes<\/li>\n                    <li>Socios comerciales y afiliados<\/li>\n                    <li>Proveedores de servicios externos<\/li>\n                <\/ul>\n            <\/div>\n\n            <div class=\"divider\"><\/div>\n\n            <!-- Section 3: Definition of Suspicious or Fraudulent Activity -->\n            <h2><span class=\"section-number\">3<\/span>DEFINICI\u00d3N DE ACTIVIDAD SOSPECHOSA O FRAUDULENTA<\/h2>\n            \n            <p>La actividad fraudulenta incluye, entre otras, las siguientes:<\/p>\n\n            <div class=\"fraud-types\">\n                <div class=\"fraud-card\">\n                    <div class=\"fraud-icon\">\ud83d\udd13<\/div>\n                    <h4>Transacciones no autorizadas<\/h4>\n                    <p>Transacciones no autorizadas o acceso indebido a cuentas<\/p>\n                <\/div>\n\n                <div class=\"fraud-card\">\n                    <div class=\"fraud-icon\">\ud83d\udc64<\/div>\n                    <h4>Robo de identidad<\/h4>\n                    <p>Robo de identidad o suplantaci\u00f3n de personas<\/p>\n                <\/div>\n\n                <div class=\"fraud-card\">\n                    <div class=\"fraud-icon\">\ud83d\udcb3<\/div>\n                    <h4>Fraude de contracargo<\/h4>\n                    <p>Fraude a trav\u00e9s de contracargos o disputas de pago<\/p>\n                <\/div>\n\n                <div class=\"fraud-card\">\n                    <div class=\"fraud-icon\">Entrada<\/div>\n                    <h4>Abuso de c\u00f3digos promocionales<\/h4>\n                    <p>Uso indebido de c\u00f3digos promocionales o descuentos<\/p>\n                <\/div>\n\n                <div class=\"fraud-card\">\n                    <div class=\"fraud-icon\">\ud83d\udcb0<\/div>\n                    <h4>Blanqueo de capital<\/h4>\n                    <p>Blanqueo de capitales o transacciones financieras sospechosas<\/p>\n                <\/div>\n\n                <div class=\"fraud-card\">\n                    <div class=\"fraud-icon\">\ud83d\udcca<\/div>\n                    <h4>Manipulaci\u00f3n de la compensaci\u00f3n<\/h4>\n                    <p>Manipulaci\u00f3n de planes de compensaci\u00f3n o comisiones<\/p>\n                <\/div>\n\n                <div class=\"fraud-card\">\n                    <div class=\"fraud-icon\">\ud83d\udc65<\/div>\n                    <h4>M\u00faltiples cuentas<\/h4>\n                    <p>Creaci\u00f3n de m\u00faltiples cuentas para aprovechar bonos o incentivos<\/p>\n                <\/div>\n\n                <div class=\"fraud-card\">\n                    <div class=\"fraud-icon\">\u26a0\ufe0f<\/div>\n                    <h4>Otra actividad sospechosa<\/h4>\n                    <p>Cualquier otro comportamiento considerado sospechoso o fraudulento<\/p>\n                <\/div>\n            <\/div>\n\n            <div class=\"divider\"><\/div>\n\n            <!-- Section 4: Monitoring and Detection -->\n            <h2><span class=\"section-number\">4<\/span>MONITOREO Y DETECCI\u00d3N<\/h2>\n            \n            <p>Vida Sabia supervisa activamente las transacciones y actividades para detectar y prevenir comportamientos fraudulentos. Trabajamos en conjunto con nuestros proveedores de pago para ayudar en la evaluaci\u00f3n de riesgos, la prevenci\u00f3n de fraudes y el procesamiento seguro de pagos.<\/p>\n\n            <div class=\"detection-measures\">\n                <h3>Medidas de detecci\u00f3n de fraude<\/h3>\n                \n                <div class=\"detection-item\">\n                    <strong>Monitoreo de Transacciones<\/strong>\n                    <p>Herramientas avanzadas que identifican transacciones de alto riesgo y patrones sospechosos en tiempo real<\/p>\n                <\/div>\n\n                <div class=\"detection-item\">\n                    <strong>An\u00e1lisis de Riesgos Basado en IA<\/strong>\n                    <p>Sistemas potenciados por inteligencia artificial que analizan patrones de comportamiento y se\u00f1alan anomal\u00edas<\/p>\n                <\/div>\n\n                <div class=\"detection-item\">\n                    <strong>Verificaci\u00f3n de Identidad<\/strong>\n                    <p>Procedimientos s\u00f3lidos de verificaci\u00f3n de identidad para nuevos registros y transacciones de alto valor<\/p>\n                <\/div>\n\n                <div class=\"detection-item\">\n                    <strong>Protecci\u00f3n contra contracargos<\/strong>\n                    <p>Sistemas y procedimientos para proteger contra contracargos y disputas de pago<\/p>\n                <\/div>\n\n                <div class=\"detection-item\">\n                    <strong>Auditor\u00edas Internas<\/strong>\n                    <p>Auditor\u00edas internas regulares y revisiones de cumplimiento para garantizar la adhesi\u00f3n a las pol\u00edticas<\/p>\n                <\/div>\n            <\/div>\n\n            <div class=\"divider\"><\/div>\n\n            <!-- Section 5: Reporting and Investigation -->\n            <h2><span class=\"section-number\">5<\/span>INFORMES E INVESTIGACI\u00d3N<\/h2>\n\n            <h3>5.1 Notificaci\u00f3n de Actividad Sospechosa<\/h3>\n            <div class=\"alert-box\">\n                <h3>\u26a0\ufe0f Reportar Inmediatamente<\/h3>\n                <p>Cualquier persona que identifique una actividad sospechosa debe informarla de inmediato a:<\/p>\n                <p style=\"font-size: 1.2em; margin-top: 15px;\"><a href=\"mailto:support@vida-sabia.com\" style=\"color: #c62828;\">support@vida-sabia.com<\/a><\/p>\n            <\/div>\n\n            <h3>5.2 Proceso de Investigaci\u00f3n<\/h3>\n            <div class=\"process-flow\">\n                <div class=\"process-step\">\n                    <div class=\"step-number\">1<\/div>\n                    <div class=\"step-content\">\n                        <h4>An\u00e1lisis inicial<\/h4>\n                        <p>Los sistemas avanzados de detecci\u00f3n de fraude analizar\u00e1n la transacci\u00f3n o actividad sospechosa.<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"process-step\">\n                    <div class=\"step-number\">2<\/div>\n                    <div class=\"step-content\">\n                        <h4>Revisi\u00f3n de Evaluaci\u00f3n de Riesgos<\/h4>\n                        <p>El equipo de evaluaci\u00f3n de riesgos revisar\u00e1 el caso y recopilar\u00e1 la evidencia necesaria<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"process-step\">\n                    <div class=\"step-number\">3<\/div>\n                    <div class=\"step-content\">\n                        <h4>Suspensi\u00f3n de cuenta<\/h4>\n                        <p>Las cuentas afectadas pueden ser suspendidas temporalmente durante la investigaci\u00f3n<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"process-step\">\n                    <div class=\"step-number\">4<\/div>\n                    <div class=\"step-content\">\n                        <h4>Verificaci\u00f3n adicional<\/h4>\n                        <p>Se puede solicitar verificaci\u00f3n adicional, como identificaci\u00f3n oficial o comprobante de pago<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"process-step\">\n                    <div class=\"step-number\">5<\/div>\n                    <div class=\"step-content\">\n                        <h4>Notificaci\u00f3n de la Autoridad<\/h4>\n                        <p>Si es necesario, la actividad ser\u00e1 reportada a las autoridades competentes<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <div class=\"divider\"><\/div>\n\n            <!-- Section 6: Consequences -->\n            <h2><span class=\"section-number\">6<\/span>Consecuencias de actividades fraudulentas<\/h2>\n\n            <div class=\"consequences-box\">\n                <h3>Si se confirma actividad fraudulenta <span class=\"badge\">SERIO<\/span><\/h3>\n                <p>Las siguientes acciones pueden ser aplicadas:<\/p>\n\n                <div class=\"consequence-item\">\n                    <strong>\ud83d\udeab Suspensi\u00f3n o cancelaci\u00f3n inmediata de la cuenta<\/strong>\n                    <p>La cuenta ser\u00e1 suspendida o cancelada permanentemente sin previo aviso<\/p>\n                <\/div>\n\n                <div class=\"consequence-item\">\n                    <strong>P\u00e9rdida de comisiones y bonificaciones<\/strong>\n                    <p>Todas las comisiones y bonos obtenidos por medios fraudulentos ser\u00e1n confiscados.<\/p>\n                <\/div>\n\n                <div class=\"consequence-item\">\n                    <strong>\u21a9\ufe0f Reversi\u00f3n de transacci\u00f3n<\/strong>\n                    <p>Las transacciones no autorizadas se revertir\u00e1n en colaboraci\u00f3n con los proveedores de pago.<\/p>\n                <\/div>\n\n                <div class=\"consequence-item\">\n                    <strong>Acci\u00f3n Legal<\/strong>\n                    <p>Se podr\u00e1 emprender acciones legales si procede, incluida la persecuci\u00f3n penal<\/p>\n                <\/div>\n\n                <div class=\"consequence-item\">\n                    <strong>\ud83d\udd12 Prohibici\u00f3n permanente<\/strong>\n                    <p>Los individuos pueden ser prohibidos permanentemente de todos los servicios de Vida Sabia<\/p>\n                <\/div>\n            <\/div>\n\n            <div class=\"divider\"><\/div>\n\n            <!-- Section 7: Prevention and Risk Mitigation -->\n            <h2><span class=\"section-number\">7<\/span>PREVENCI\u00d3N Y MITIGACI\u00d3N DE RIESGOS<\/h2>\n\n            <p>Para minimizar los riesgos de fraude, Vida Sabia se compromete a:<\/p>\n\n            <div class=\"prevention-grid\">\n                <div class=\"prevention-card\">\n                    <div class=\"prevention-icon\">\ud83e\udd1d<\/div>\n                    <h4>Colaboraci\u00f3n de socios<\/h4>\n                    <p>Trabajando en estrecha colaboraci\u00f3n con los equipos de prevenci\u00f3n de fraude de los proveedores de pagos<\/p>\n                <\/div>\n\n                <div class=\"prevention-card\">\n                    <div class=\"prevention-icon\">Libros<\/div>\n                    <h4>Educaci\u00f3n<\/h4>\n                    <p>Educar a los IBP y a los clientes sobre riesgos comunes y mejores pr\u00e1cticas<\/p>\n                <\/div>\n\n                <div class=\"prevention-card\">\n                    <div class=\"prevention-icon\">\ud83d\udd10<\/div>\n                    <h4>Autenticaci\u00f3n Reforzada<\/h4>\n                    <p>Exigir autenticaci\u00f3n robusta y verificaci\u00f3n de identidad para pagos<\/p>\n                <\/div>\n\n                <div class=\"prevention-card\">\n                    <div class=\"prevention-icon\">\ud83d\udd04<\/div>\n                    <h4>Actualizaciones regulares<\/h4>\n                    <p>Actualizar regularmente las herramientas de detecci\u00f3n y las pol\u00edticas internas<\/p>\n                <\/div>\n            <\/div>\n\n            <div class=\"info-box\">\n                <h3>Mejores pr\u00e1cticas para los usuarios<\/h3>\n                <ul>\n                    <li>Nunca compartas tus credenciales de cuenta con nadie<\/li>\n                    <li>Usa contrase\u00f1as seguras y \u00fanicas para tu cuenta<\/li>\n                    <li>Habilita la autenticaci\u00f3n de dos factores cuando est\u00e9 disponible<\/li>\n                    <li>Supervisa tu cuenta regularmente para detectar actividad no autorizada<\/li>\n                    <li>Reporta actividad sospechosa inmediatamente<\/li>\n                    <li>Mant\u00e9n tu informaci\u00f3n de contacto actualizada<\/li>\n                    <li>Ten cuidado con los intentos de phishing y los correos electr\u00f3nicos sospechosos<\/li>\n                <\/ul>\n            <\/div>\n\n            <div class=\"divider\"><\/div>\n\n            <!-- Section 8: Compliance and Review -->\n            <h2><span class=\"section-number\">8<\/span>CUMPLIMIENTO Y REVISI\u00d3N<\/h2>\n\n            <div class=\"info-box\">\n                <h3>Mantenimiento de pol\u00edticas<\/h3>\n                <p>Esta pol\u00edtica se revisar\u00e1 peri\u00f3dicamente para asegurar el cumplimiento de:<\/p>\n                <ul>\n                    <li>Directrices y buenas pr\u00e1cticas del proveedor de pagos<\/li>\n                    <li>Regulaciones y est\u00e1ndares de la industria<\/li>\n                    <li>Riesgos y amenazas emergentes de fraude<\/li>\n                    <li>Requisitos legales y regulatorios<\/li>\n                <\/ul>\n                <p style=\"margin-top: 20px;\"><strong>Las revisiones de pol\u00edticas se realizan al menos anualmente o con mayor frecuencia seg\u00fan sea necesario.<\/strong><\/p>\n            <\/div>\n\n            <div class=\"divider\"><\/div>\n\n            <div class=\"alert-box\">\n                <h3>Pol\u00edtica de Tolerancia Cero<\/h3>\n                <p>Vida Sabia mantiene una <strong>pol\u00edtica de tolerancia cero<\/strong> para actividades fraudulentas. Estamos comprometidos a proteger a nuestra comunidad y tomaremos todas las medidas necesarias para prevenir, detectar y responder al fraude.<\/p>\n                <p style=\"margin-top: 15px;\">Nuestra reputaci\u00f3n y la confianza de nuestros miembros dependen del mantenimiento de los m\u00e1s altos est\u00e1ndares de integridad y seguridad.<\/p>\n            <\/div>\n\n            <div class=\"contact-box\">\n                <h2>REPORTE ACTIVIDAD SOSPECHOSA<\/h2>\n                <p>Si sospechas de actividad fraudulenta o tienes preocupaciones de seguridad:<\/p>\n                <p style=\"margin: 20px 0;\"><a href=\"mailto:support@vida-sabia.com\">support@vida-sabia.com<\/a><\/p>\n                <p style=\"font-size: 0.9em; opacity: 0.9;\">Vida Sabia - Comprometidos con la Seguridad y la Confianza<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Encabezado Vida Sabia - Colores Actualizados Inicio Paquetes Iniciar Sesi\u00f3n Mi Cuenta Inicio Paquetes Iniciar Sesi\u00f3n Mi Cuenta Pol\u00edtica de Actividad Sospechosa o Fraudulenta - Vida Sabia POL\u00cdTICA DE ACTIVIDAD SOSPECHOSA O FRAUDULENTA Evaluaci\u00f3n de Riesgos y Prevenci\u00f3n de Fraudes Vida Sabia - Protegiendo Nuestra Comunidad Fecha de entrada en vigor: Octubre de 2025 Aviso Importante Esta pol\u00edtica describe los procedimientos y responsabilidades [\u2026]<\/p>","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-68461","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/vida-sabia.com\/es\/wp-json\/wp\/v2\/pages\/68461","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vida-sabia.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/vida-sabia.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/vida-sabia.com\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/vida-sabia.com\/es\/wp-json\/wp\/v2\/comments?post=68461"}],"version-history":[{"count":4,"href":"https:\/\/vida-sabia.com\/es\/wp-json\/wp\/v2\/pages\/68461\/revisions"}],"predecessor-version":[{"id":68465,"href":"https:\/\/vida-sabia.com\/es\/wp-json\/wp\/v2\/pages\/68461\/revisions\/68465"}],"wp:attachment":[{"href":"https:\/\/vida-sabia.com\/es\/wp-json\/wp\/v2\/media?parent=68461"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}