{"id":68471,"date":"2025-10-16T13:50:14","date_gmt":"2025-10-16T20:50:14","guid":{"rendered":"https:\/\/vida-sabia.com\/?page_id=68471"},"modified":"2025-10-16T13:51:23","modified_gmt":"2025-10-16T20:51:23","slug":"anti-money-laundering-aml-policy","status":"publish","type":"page","link":"https:\/\/vida-sabia.com\/es\/anti-money-laundering-aml-policy\/","title":{"rendered":"Pol\u00edtica Antilavado de Dinero (AML)"},"content":{"rendered":"
\n\t\t\t\t
\n\t\t\t\t\t
\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\n\n\n \n \n 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 mobileMenu.classList.remove('active');\n body.style.overflow = '';\n }\n }\n });\n }\n\n \/\/ Header Scroll Effect\n window.addEventListener('scroll', function() {\n const currentScroll = window.pageYOffset;\n \n if (currentScroll > 50) {\n header.classList.add('scrolled');\n } else {\n header.classList.remove('scrolled');\n }\n });\n\n \/\/ WordPress Integration - Handle Login\/Logout and My Account\n function setupAuthButtons() {\n const isLoggedIn = window.wpUserLoggedIn || document.body.classList.contains('logged-in');\n \n \/\/ Get elements\n const desktopLoginLink = document.getElementById('desktopLoginLink');\n const mobileLoginLink = document.getElementById('mobileLoginLink');\n const desktopMyAccountBtn = document.getElementById('desktopMyAccountBtn');\n const mobileMyAccountBtn = document.getElementById('mobileMyAccountBtn');\n \n if (isLoggedIn) {\n \/\/ User is logged in\n header.classList.add('logged-in');\n \n const logoutUrl = window.wpLogoutUrl || '\/wp-login.php?action=logout';\n const myAccountUrl = '\/my-account';\n \n \/\/ Update login links to logout\n if (desktopLoginLink) {\n desktopLoginLink.textContent = 'Log Out';\n desktopLoginLink.href = logoutUrl;\n }\n if (mobileLoginLink) {\n mobileLoginLink.textContent = 'Log Out';\n mobileLoginLink.href = logoutUrl;\n }\n \n \/\/ Update My Account buttons URLs\n if (desktopMyAccountBtn) {\n desktopMyAccountBtn.href = myAccountUrl;\n }\n if (mobileMyAccountBtn) {\n mobileMyAccountBtn.href = myAccountUrl;\n }\n } else {\n \/\/ User is not logged in - My Account buttons remain hidden via CSS\n header.classList.remove('logged-in');\n }\n }\n \n \/\/ Run auth setup on different events to ensure it catches the login state\n setupAuthButtons();\n document.addEventListener('DOMContentLoaded', setupAuthButtons);\n window.addEventListener('load', setupAuthButtons);\n})();\n<\/script>\n\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<div class=\"elementor-element elementor-element-90ea638 e-flex e-con-boxed e-con e-parent\" data-id=\"90ea638\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9749741 e-con-full e-flex e-con e-child\" data-id=\"9749741\" data-element_type=\"container\" data-settings=\"{"background_background":"classic"}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70accbd elementor-widget elementor-widget-html\" data-id=\"70accbd\" 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>Anti-Money Laundering Policy - Vida Sabia<\/title>\n <style>\n * {\n margin: 0;\n padding: 0;\n box-sizing: border-box;\n }\n\n body {\n font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;\n line-height: 1.6;\n color: #333;\n background: linear-gradient(135deg, #f1f8e9 0%, #dcedc8 100%);\n padding: 20px;\n }\n\n .container {\n max-width: 1000px;\n margin: 0 auto;\n background: white;\n border-radius: 12px;\n box-shadow: 0 4px 20px rgba(45, 122, 62, 0.1);\n overflow: hidden;\n }\n\n .header {\n background: linear-gradient(135deg, #7cb342 0%, #2d7a3e 100%);\n color: white;\n padding: 60px 40px;\n text-align: center;\n }\n\n .header h1 {\n font-size: 2.5em;\n margin-bottom: 10px;\n font-weight: 700;\n }\n\n .header .subtitle {\n font-size: 1.2em;\n margin-top: 10px;\n opacity: 0.95;\n }\n\n .header p {\n font-size: 1.1em;\n opacity: 0.95;\n }\n\n .content {\n padding: 50px 40px;\n }\n\n .effective-date {\n background: linear-gradient(135deg, #d4e157 0%, #9ccc65 100%);\n padding: 20px 30px;\n border-radius: 8px;\n margin-bottom: 40px;\n border-left: 5px solid #7cb342;\n text-align: center;\n font-weight: 600;\n font-size: 1.1em;\n }\n\n .commitment-badge {\n background: linear-gradient(135deg, #1976d2 0%, #0d47a1 100%);\n color: white;\n padding: 25px;\n border-radius: 8px;\n text-align: center;\n margin: 30px 0;\n font-weight: 600;\n font-size: 1.1em;\n }\n\n .commitment-badge h3 {\n margin-bottom: 10px;\n font-size: 1.3em;\n color: white;\n }\n\n h2 {\n color: #2d7a3e;\n font-size: 1.8em;\n margin-top: 40px;\n margin-bottom: 20px;\n padding-bottom: 10px;\n border-bottom: 3px solid #7cb342;\n }\n\n h3 {\n color: #1b5e20;\n font-size: 1.3em;\n margin-top: 30px;\n margin-bottom: 15px;\n }\n\n .section-number {\n display: inline-block;\n background: linear-gradient(135deg, #7cb342 0%, #2d7a3e 100%);\n color: white;\n width: 45px;\n height: 45px;\n border-radius: 50%;\n text-align: center;\n line-height: 45px;\n font-weight: bold;\n margin-right: 15px;\n font-size: 1.3em;\n }\n\n p {\n margin-bottom: 15px;\n line-height: 1.8;\n }\n\n ul {\n margin-left: 30px;\n margin-bottom: 20px;\n }\n\n li {\n margin-bottom: 10px;\n line-height: 1.7;\n }\n\n .ml-stages {\n display: grid;\n grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));\n gap: 20px;\n margin: 30px 0;\n }\n\n .stage-card {\n background: linear-gradient(135deg, #ffebee 0%, #ffcdd2 100%);\n padding: 25px;\n border-radius: 8px;\n border-left: 5px solid #e53935;\n position: relative;\n }\n\n .stage-number {\n position: absolute;\n top: -15px;\n right: 20px;\n background: linear-gradient(135deg, #e53935 0%, #c62828 100%);\n color: white;\n width: 40px;\n height: 40px;\n border-radius: 50%;\n display: flex;\n align-items: center;\n justify-content: center;\n font-weight: bold;\n font-size: 1.2em;\n }\n\n .stage-card h4 {\n color: #c62828;\n margin-bottom: 10px;\n font-size: 1.2em;\n }\n\n .stage-card p {\n margin-bottom: 0;\n }\n\n .compliance-section {\n background: linear-gradient(135deg, #e8f5e9 0%, #c8e6c9 100%);\n padding: 30px;\n border-radius: 8px;\n margin: 30px 0;\n border-left: 5px solid #1b5e20;\n }\n\n .compliance-section h3 {\n margin-top: 0;\n color: #1b5e20;\n }\n\n .officer-box {\n background: white;\n padding: 25px;\n border-radius: 8px;\n margin: 20px 0;\n border: 2px solid #7cb342;\n }\n\n .officer-box h4 {\n color: #2d7a3e;\n margin-bottom: 15px;\n }\n\n .officer-box ul {\n margin-left: 20px;\n }\n\n .kyc-requirements {\n display: grid;\n grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));\n gap: 20px;\n margin: 25px 0;\n }\n\n .kyc-card {\n background: white;\n padding: 20px;\n border-radius: 8px;\n border-left: 4px solid #1976d2;\n }\n\n .kyc-card h4 {\n color: #0d47a1;\n margin-bottom: 10px;\n display: flex;\n align-items: center;\n }\n\n .kyc-icon {\n font-size: 1.5em;\n margin-right: 10px;\n }\n\n .red-flags {\n background: linear-gradient(135deg, #fff9c4 0%, #f0f4c3 100%);\n padding: 30px;\n border-radius: 8px;\n border-left: 5px solid #fbc02d;\n margin: 30px 0;\n }\n\n .red-flags h3 {\n color: #f57f17;\n margin-top: 0;\n margin-bottom: 20px;\n }\n\n .red-flag-item {\n background: white;\n padding: 15px;\n margin: 10px 0;\n border-radius: 5px;\n border-left: 3px solid #fbc02d;\n display: flex;\n align-items: flex-start;\n }\n\n .red-flag-item::before {\n content: \"\u26a0\ufe0f\";\n margin-right: 10px;\n font-size: 1.2em;\n }\n\n .prohibited-box {\n background: linear-gradient(135deg, #ffebee 0%, #ffcdd2 100%);\n padding: 30px;\n border-radius: 8px;\n border-left: 5px solid #e53935;\n margin: 30px 0;\n }\n\n .prohibited-box h3 {\n color: #c62828;\n margin-top: 0;\n margin-bottom: 20px;\n }\n\n .prohibited-list {\n list-style: none;\n margin-left: 0;\n }\n\n .prohibited-list li {\n padding-left: 35px;\n position: relative;\n background: white;\n padding: 15px 15px 15px 45px;\n margin: 10px 0;\n border-radius: 5px;\n border-left: 3px solid #e53935;\n }\n\n .prohibited-list li::before {\n content: \"\u2717\";\n position: absolute;\n left: 15px;\n color: #e53935;\n font-weight: bold;\n font-size: 1.3em;\n }\n\n .training-box {\n background: linear-gradient(135deg, #e3f2fd 0%, #bbdefb 100%);\n padding: 30px;\n border-radius: 8px;\n border-left: 5px solid #1976d2;\n margin: 30px 0;\n }\n\n .training-box h3 {\n color: #0d47a1;\n margin-top: 0;\n margin-bottom: 20px;\n }\n\n .training-item {\n background: white;\n padding: 15px;\n margin: 10px 0;\n border-radius: 5px;\n border-left: 3px solid #1976d2;\n }\n\n .training-item strong {\n color: #0d47a1;\n display: block;\n margin-bottom: 5px;\n }\n\n .enforcement-box {\n background: linear-gradient(135deg, #ffebee 0%, #ffcdd2 100%);\n padding: 30px;\n border-radius: 8px;\n border-left: 5px solid #e53935;\n margin: 30px 0;\n }\n\n .enforcement-box h3 {\n color: #c62828;\n margin-top: 0;\n margin-bottom: 20px;\n }\n\n .enforcement-item {\n background: white;\n padding: 15px;\n margin: 10px 0;\n border-radius: 5px;\n border-left: 3px solid #e53935;\n }\n\n .info-box {\n background: linear-gradient(135deg, #e3f2fd 0%, #bbdefb 100%);\n padding: 25px;\n border-radius: 8px;\n border-left: 5px solid #1976d2;\n margin: 25px 0;\n }\n\n .info-box h3 {\n color: #0d47a1;\n margin-top: 0;\n margin-bottom: 15px;\n }\n\n .alert-box {\n background: linear-gradient(135deg, #ffebee 0%, #ffcdd2 100%);\n padding: 25px;\n border-radius: 8px;\n margin: 25px 0;\n border-left: 5px solid #e53935;\n }\n\n .alert-box h3 {\n color: #c62828;\n margin-top: 0;\n margin-bottom: 15px;\n }\n\n .contact-info-box {\n background: linear-gradient(135deg, #e8f5e9 0%, #c8e6c9 100%);\n padding: 30px;\n border-radius: 8px;\n border-left: 5px solid #1b5e20;\n margin: 30px 0;\n }\n\n .contact-info-box h3 {\n color: #1b5e20;\n margin-top: 0;\n margin-bottom: 20px;\n }\n\n .contact-detail {\n background: white;\n padding: 15px;\n margin: 10px 0;\n border-radius: 5px;\n border-left: 3px solid #7cb342;\n }\n\n .contact-detail strong {\n color: #1b5e20;\n display: block;\n margin-bottom: 5px;\n }\n\n .contact-box {\n background: linear-gradient(135deg, #7cb342 0%, #2d7a3e 100%);\n color: white;\n padding: 40px;\n border-radius: 8px;\n text-align: center;\n margin-top: 50px;\n }\n\n .contact-box h2 {\n color: white;\n border-bottom: none;\n margin-top: 0;\n }\n\n .contact-box a {\n color: #d4e157;\n text-decoration: none;\n font-weight: 600;\n font-size: 1.2em;\n transition: color 0.3s ease;\n }\n\n .contact-box a:hover {\n color: #fff;\n }\n\n strong {\n color: #1b5e20;\n }\n\n a {\n color: #7cb342;\n text-decoration: none;\n transition: color 0.3s ease;\n }\n\n a:hover {\n color: #2d7a3e;\n text-decoration: underline;\n }\n\n .divider {\n height: 3px;\n background: linear-gradient(90deg, #7cb342 0%, #9ccc65 50%, #d4e157 100%);\n margin: 40px 0;\n border-radius: 2px;\n }\n\n .badge {\n display: inline-block;\n background: linear-gradient(135deg, #e53935 0%, #c62828 100%);\n color: white;\n padding: 5px 15px;\n border-radius: 20px;\n font-size: 0.85em;\n font-weight: 600;\n margin-left: 10px;\n }\n\n .acceptance-box {\n background: linear-gradient(135deg, #d4e157 0%, #9ccc65 100%);\n padding: 25px;\n border-radius: 8px;\n margin: 30px 0;\n border-left: 5px solid #7cb342;\n text-align: center;\n font-weight: 600;\n }\n\n @media (max-width: 768px) {\n .header {\n padding: 40px 20px;\n }\n\n .header h1 {\n font-size: 2em;\n }\n\n .content {\n padding: 30px 20px;\n }\n\n h2 {\n font-size: 1.5em;\n }\n\n .ml-stages,\n .kyc-requirements {\n grid-template-columns: 1fr;\n }\n }\n <\/style>\n<\/head>\n<body>\n <div class=\"container\">\n <div class=\"header\">\n <h1>POL\u00cdTICA ANTI-LAVADO DE DINERO<\/h1>\n <p class=\"subtitle\">(Pol\u00edtica ALD)<\/p>\n <p>Vida Sabia - Comprometidos con la integridad financiera<\/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=\"commitment-badge\">\n <h3>\ud83d\udee1\ufe0f Nuestro compromiso con el cumplimiento<\/h3>\n <p>Vida Sabia est\u00e1 comprometida con la prevenci\u00f3n del lavado de dinero y la financiaci\u00f3n del terrorismo. Esta Pol\u00edtica Antilavado de Dinero (ALD) se establece para garantizar el cumplimiento de la Ley de Secreto Bancario (BSA), la Ley Patriota de EE. UU. y otras regulaciones internacionales aplicables.<\/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 est\u00e1 dise\u00f1ada para:<\/p>\n <ul>\n <li>Prevenir el lavado de dinero y la financiaci\u00f3n del terrorismo<\/li>\n <li>Cumplir con las regulaciones AML de EE. UU. e internacionales<\/li>\n <li>Establecer procedimientos claros para identificar y reportar actividades sospechosas<\/li>\n <li>Proteger a Vida Sabia y sus partes interesadas de delitos financieros<\/li>\n <li>Mantener la integridad de nuestros sistemas financieros y operaciones comerciales<\/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>Contratistas y consultores<\/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 and Processing -->\n <h2><span class=\"section-number\">3<\/span>Lavado de dinero<\/h2>\n \n <p>El lavado de dinero implica ocultar el origen de fondos obtenidos ilegalmente para hacerlos parecer leg\u00edtimos. Generalmente consta de tres etapas:<\/p>\n\n <div class=\"ml-stages\">\n <div class=\"stage-card\">\n <div class=\"stage-number\">1<\/div>\n <h4>Colocaci\u00f3n<\/h4>\n <p>Introducci\u00f3n de fondos il\u00edcitos en el sistema financiero a trav\u00e9s de diversos medios como dep\u00f3sitos, compras o intercambios de divisas.<\/p>\n <\/div>\n\n <div class=\"stage-card\">\n <div class=\"stage-number\">2<\/div>\n <h4>Superposici\u00f3n<\/h4>\n <p>Realizar m\u00faltiples transacciones para ocultar el origen de los fondos, dificultando el rastreo hasta la fuente ilegal.<\/p>\n <\/div>\n\n <div class=\"stage-card\">\n <div class=\"stage-number\">3<\/div>\n <h4>Integraci\u00f3n<\/h4>\n <p>Reintroducci\u00f3n de los fondos blanqueados en el sistema econ\u00f3mico como activos aparentemente leg\u00edtimos a trav\u00e9s de inversiones o actividades empresariales.<\/p>\n <\/div>\n <\/div>\n\n <div class=\"divider\"><\/div>\n\n <!-- Section 4: Compliance Program -->\n <h2><span class=\"section-number\">4<\/span>PROGRAMA DE CUMPLIMIENTO<\/h2>\n\n <h3>4.1 Oficial de Cumplimiento AML<\/h3>\n <div class=\"compliance-section\">\n <div class=\"officer-box\">\n <h4>Responsabilidades del Oficial de Cumplimiento AML<\/h4>\n <ul>\n <li>Implementar y supervisar pol\u00edticas y procedimientos AML<\/li>\n <li>Monitorear transacciones e informar actividades sospechosas<\/li>\n <li>Capacitar a los empleados y a los IBP en cumplimiento AML<\/li>\n <li>Garantizar el cumplimiento de las leyes nacionales e internacionales contra el lavado de dinero.<\/li>\n <li>Realizar evaluaciones y auditor\u00edas de riesgos peri\u00f3dicas<\/li>\n <li>Mantener la comunicaci\u00f3n con las autoridades reguladoras<\/li>\n <\/ul>\n <\/div>\n <\/div>\n\n <h3>4.2 Procedimientos de Conoce a tu Cliente (KYC)<\/h3>\n <div class=\"compliance-section\">\n <p>Para prevenir el lavado de dinero, Vida Sabia verifica la identidad de los clientes, distribuidores (IBP) y socios comerciales a trav\u00e9s de:<\/p>\n\n <div class=\"kyc-requirements\">\n <div class=\"kyc-card\">\n <h4><span class=\"kyc-icon\">ID<\/span>Identificaci\u00f3n oficial<\/h4>\n <p>Identificaci\u00f3n oficial v\u00e1lida (pasaporte, licencia de conducir o tarjeta de identificaci\u00f3n nacional)<\/p>\n <\/div>\n\n <div class=\"kyc-card\">\n <h4><span class=\"kyc-icon\">Casa<\/span>Comprobante de domicilio<\/h4>\n <p>Factura de servicios p\u00fablicos reciente, contrato de arrendamiento o extracto bancario que muestre la direcci\u00f3n actual<\/p>\n <\/div>\n\n <div class=\"kyc-card\">\n <h4><span class=\"kyc-icon\">\ud83d\udcb3<\/span>Verificaci\u00f3n de pago<\/h4>\n <p>Verificaci\u00f3n de informaci\u00f3n bancaria\/de pago para transacciones de alto valor<\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <h3>4.3 Monitoreo de transacciones<\/h3>\n <div class=\"red-flags\">\n <h3>Se\u00f1ales de Alerta y Se\u00f1ales de Advertencia <span class=\"badge\">INFORME DE INMEDIATO<\/span><\/h3>\n <p>Vida Sabia monitorea transacciones para identificar se\u00f1ales de alerta, que incluyen:<\/p>\n\n <div class=\"red-flag-item\">\n <p><strong>Transacciones grandes o inusuales<\/strong> no es consistente con la actividad comercial normal<\/p>\n <\/div>\n\n <div class=\"red-flag-item\">\n <p><strong>M\u00faltiples transacciones<\/strong> justo por debajo de los umbrales de notificaci\u00f3n (estructuraci\u00f3n)<\/p>\n <\/div>\n\n <div class=\"red-flag-item\">\n <p><strong>Transacciones con pa\u00edses de alto riesgo<\/strong> o personas pol\u00edticamente expuestas (PEP)<\/p>\n <\/div>\n\n <div class=\"red-flag-item\">\n <p><strong>M\u00e9todos de pago inusuales<\/strong> o movimiento r\u00e1pido de fondos sin un prop\u00f3sito comercial claro<\/p>\n <\/div>\n\n <div class=\"red-flag-item\">\n <p><strong>Clientes reacios a proporcionar<\/strong> identificaci\u00f3n o documentaci\u00f3n requerida<\/p>\n <\/div>\n\n <div class=\"red-flag-item\">\n <p><strong>Patrones de negocio inconsistentes<\/strong> o transacciones que no coincidan con el perfil del cliente<\/p>\n <\/div>\n <\/div>\n\n <h3>4.4 Mantenimiento de Registros<\/h3>\n <div class=\"info-box\">\n <h3>Requisitos de retenci\u00f3n de datos<\/h3>\n <p>Todos los registros de clientes y transacciones se conservar\u00e1n durante al menos <strong>cinco (5) a\u00f1os<\/strong>, incluyendo:<\/p>\n <ul>\n <li>Documentos de identificaci\u00f3n de clientes<\/li>\n <li>Registros de transacciones y detalles de pago<\/li>\n <li>Revisiones internas y evaluaciones de riesgos<\/li>\n <li>Informes de Actividad Sospechosa (SARs) y documentaci\u00f3n de respaldo<\/li>\n <li>Registros de debida diligencia del cliente<\/li>\n <li>Comunicaciones relacionadas con transacciones<\/li>\n <\/ul>\n <\/div>\n\n <h3>4.5 Informe de Actividad Sospechosa (RAS)<\/h3>\n <div class=\"alert-box\">\n <h3>Obligaciones de presentaci\u00f3n de informes<\/h3>\n <p>Los empleados y las IBP deben informar cualquier transacci\u00f3n sospechosa al Oficial de Cumplimiento AML, quien determinar\u00e1 si presentar un Informe de Actividad Sospechosa (SAR) a las autoridades reguladoras.<\/p>\n <p style=\"margin-top: 15px;\"><strong>Importante:<\/strong> No informe al cliente que se ha presentado una SAR, ya que esto podr\u00eda comprometer las investigaciones.<\/p>\n <\/div>\n\n <h3>4.6 Capacitaci\u00f3n y concientizaci\u00f3n<\/h3>\n <div class=\"training-box\">\n <h3>Programa de Capacitaci\u00f3n AML<\/h3>\n <p>Todos los empleados y IBP recibir\u00e1n capacitaci\u00f3n integral sobre cumplimiento AML para identificar y prevenir delitos financieros.<\/p>\n\n <div class=\"training-item\">\n <strong>Leyes y Obligaciones de GAFI<\/strong>\n <p>Comprender las leyes, regulaciones y requisitos de cumplimiento pertinentes<\/p>\n <\/div>\n\n <div class=\"training-item\">\n <strong>Identificaci\u00f3n de actividades sospechosas<\/strong>\n <p>Reconocer las se\u00f1ales de alerta y los indicios de blanqueo de capitales<\/p>\n <\/div>\n\n <div class=\"training-item\">\n <strong>Procedimientos de Reporte Interno<\/strong>\n <p>Canales y procesos adecuados para denunciar actividades sospechosas<\/p>\n <\/div>\n\n <div class=\"training-item\">\n <strong>Estudios de caso y ejemplos<\/strong>\n <p>Escenarios del mundo real para mejorar las habilidades de comprensi\u00f3n y detecci\u00f3n<\/p>\n <\/div>\n <\/div>\n\n <div class=\"divider\"><\/div>\n\n <!-- Section 5: Prohibited Transactions -->\n <h2><span class=\"section-number\">5<\/span>TRANSACCIONES PROHIBIDAS<\/h2>\n\n <div class=\"prohibited-box\">\n <h3>Vida Sabia Proh\u00edbe Estrictamente:<\/h3>\n <ul class=\"prohibited-list\">\n <li>Aceptar pagos de fuentes desconocidas o no verificadas<\/li>\n <li>Participar en transacciones con personas o entidades en listas de sanciones<\/li>\n <li>Usar criptomonedas o m\u00e9todos de pago an\u00f3nimos para transacciones de alto valor sin la debida diligencia adecuada<\/li>\n <li>Permitir que terceros utilicen cuentas de IBP para realizar transacciones<\/li>\n <li>Procesamiento de transacciones para clientes que se niegan a proporcionar la identificaci\u00f3n requerida<\/li>\n <li>Facilitar transacciones que parecen dise\u00f1adas para evadir los requisitos de presentaci\u00f3n de informes<\/li>\n <li>Realizar negocios con empresas fantasma o entidades con estructuras de propiedad poco claras<\/li>\n <\/ul>\n <\/div>\n\n <div class=\"divider\"><\/div>\n\n <!-- Section 6: Enforcement and Sanctions -->\n <h2><span class=\"section-number\">6<\/span>Aplicaci\u00f3n y Sanciones<\/h2>\n\n <div class=\"enforcement-box\">\n <h3>Consecuencias del Incumplimiento <span class=\"badge\">SERIO<\/span><\/h3>\n <p>El incumplimiento de esta pol\u00edtica AML puede acarrear:<\/p>\n\n <div class=\"enforcement-item\">\n <strong>\ud83d\udeab Terminaci\u00f3n de Contrato<\/strong>\n <p>Rescisi\u00f3n inmediata de contratos de trabajo o acuerdos IBP<\/p>\n <\/div>\n\n <div class=\"enforcement-item\">\n <strong>\ud83d\udccb Reportes Regulatorios<\/strong>\n <p>Denuncia de infracciones a las autoridades legales y regulatorias<\/p>\n <\/div>\n\n <div class=\"enforcement-item\">\n <strong>\ud83d\udcb0 Sanciones financieras<\/strong>\n <p>Sanciones civiles o penales de acuerdo con las leyes estadounidenses e internacionales contra el lavado de dinero (AML)<\/p>\n <\/div>\n\n <div class=\"enforcement-item\">\n <strong>Acci\u00f3n Legal<\/strong>\n <p>El enjuiciamiento penal por violaciones intencionales o participaci\u00f3n en el lavado de dinero<\/p>\n <\/div>\n\n <div class=\"enforcement-item\">\n <strong>Congelaci\u00f3n de cuenta<\/strong>\n <p>Congelaci\u00f3n inmediata de cuentas y suspensi\u00f3n de todas las transacciones<\/p>\n <\/div>\n <\/div>\n\n <div class=\"divider\"><\/div>\n\n <!-- Section 7: Review and Updates -->\n <h2><span class=\"section-number\">7<\/span>REVISI\u00d3N Y ACTUALIZACIONES DE POL\u00cdTICAS<\/h2>\n\n <div class=\"info-box\">\n <h3>Compromiso continuo con el cumplimiento<\/h3>\n <p>Esta pol\u00edtica AML ser\u00e1 revisada <strong>anualmente<\/strong> y actualizado seg\u00fan sea necesario para reflejar:<\/p>\n <ul>\n <li>Cambios en las regulaciones y requisitos legales de AML<\/li>\n <li>Evoluci\u00f3n de las t\u00e9cnicas y amenazas de blanqueo de capitales<\/li>\n <li>Operaciones empresariales y ofertas de servicios<\/li>\n <li>Comentarios de auditor\u00edas y evaluaciones de cumplimiento<\/li>\n <li>Mejores pr\u00e1cticas y est\u00e1ndares de la industria<\/li>\n <\/ul>\n <\/div>\n\n <div class=\"divider\"><\/div>\n\n <!-- Section 8: Contact Information -->\n <h2><span class=\"section-number\">8<\/span>INFORMACI\u00d3N DE CONTACTO<\/h2>\n\n <div class=\"contact-info-box\">\n <h3>Oficial de Cumplimiento de AML<\/h3>\n <p>Para preguntas o para reportar actividades sospechosas, por favor contacte:<\/p>\n\n <div class=\"contact-detail\">\n <strong>Oficial de Cumplimiento AML de Vida Sabia<\/strong>\n <p>Correo electr\u00f3nico <a href=\"mailto:support@vida-sabia.com\">support@vida-sabia.com<\/a><\/p>\n <\/div>\n\n <div class=\"alert-box\" style=\"margin-top: 20px;\">\n <h3>\u26a0\ufe0f Reporte confidencial<\/h3>\n <p>Todas las denuncias de actividades sospechosas se manejar\u00e1n con estricta confidencialidad. La represalia contra los individuos que denuncien de buena fe est\u00e1 estrictamente prohibida.<\/p>\n <\/div>\n <\/div>\n\n <div class=\"divider\"><\/div>\n\n <div class=\"acceptance-box\">\n <p style=\"font-size: 1.1em;\">Al colaborar con Vida Sabia, todos los empleados, IBP y socios aceptan cumplir con esta Pol\u00edtica Anti-Lavado de Dinero.<\/p>\n <\/div>\n\n <div class=\"commitment-badge\">\n <h3>\ud83c\udf31 Tolerancia Cero a los Delitos Financieros<\/h3>\n <p>Vida Sabia mantiene una pol\u00edtica de tolerancia cero contra el lavado de dinero y la financiaci\u00f3n del terrorismo. Estamos comprometidos a mantener los m\u00e1s altos est\u00e1ndares de integridad financiera y cumplimiento normativo.<\/p>\n <\/div>\n\n <div class=\"contact-box\">\n <h2>REPORTE ACTIVIDAD SOSPECHOSA<\/h2>\n <p>Si sospecha de lavado de dinero o tiene inquietudes sobre AML:<\/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 - La Integridad Financiera es Nuestra Base<\/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>Vida Sabia Encabezado - Colores Actualizados Inicio Paquetes Iniciar Sesi\u00f3n Mi Cuenta Inicio Paquetes Iniciar Sesi\u00f3n Mi Cuenta Pol\u00edtica Anti-Lavado de Dinero - Vida Sabia POL\u00cdTICA ANTI-LAVADO DE DINERO (Pol\u00edtica AML) Vida Sabia - Comprometidos con la Integridad Financiera Fecha de entrada en vigor: Octubre de 2025 \ud83d\udee1\ufe0f Nuestro Compromiso con el Cumplimiento Vida Sabia se compromete a prevenir el lavado de dinero y el [...]<\/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-68471","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/vida-sabia.com\/es\/wp-json\/wp\/v2\/pages\/68471","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=68471"}],"version-history":[{"count":4,"href":"https:\/\/vida-sabia.com\/es\/wp-json\/wp\/v2\/pages\/68471\/revisions"}],"predecessor-version":[{"id":68475,"href":"https:\/\/vida-sabia.com\/es\/wp-json\/wp\/v2\/pages\/68471\/revisions\/68475"}],"wp:attachment":[{"href":"https:\/\/vida-sabia.com\/es\/wp-json\/wp\/v2\/media?parent=68471"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}