{"id":3,"date":"2024-10-21T21:29:36","date_gmt":"2024-10-21T21:29:36","guid":{"rendered":"https:\/\/carpenterhomeloans.com\/?page_id=3"},"modified":"2024-10-28T19:51:07","modified_gmt":"2024-10-28T19:51:07","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/carpenterhomeloans.com\/es\/privacy-policy\/","title":{"rendered":"Pol\u00edtica de privacidad"},"content":{"rendered":"<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-af7b68e e-flex e-con-boxed e-con e-parent\" data-id=\"af7b68e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cb71bf4 elementor-widget elementor-widget-text-editor\" data-id=\"6cb71bf4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<div id=\"1959516647\" class=\"dmNewParagraph\" data-element-type=\"paragraph\" data-version=\"5\" data-uw-styling-context=\"true\" data-diy-text=\"\">\n<h1 class=\"m-size-36 wp-block-heading\"><span class=\"m-font-size-36\">Pol\u00edtica de privacidad para\u00a0<\/span><span class=\"m-font-size-36\"><span class=\"inline-data-binding\" data-encoded-value=\"d3d3LndlYnNpdGUuY29t\" data-inline-binding=\"site_text.website address\">carpenterhomeloans.com<\/span><\/span><\/h1>\n<\/div>\n<div id=\"1369186776\" class=\"dmNewParagraph\" data-element-type=\"paragraph\" data-version=\"5\" data-diy-text=\"\">\n<p>Esta pol\u00edtica de privacidad ha sido elaborada para servir mejor a quienes est\u00e1n preocupados por el uso que se hace en l\u00ednea de su \u00abInformaci\u00f3n Personal Identificable\u00bb (IPI). La IIP, tal y como se describe en la legislaci\u00f3n estadounidense sobre privacidad y seguridad de la informaci\u00f3n, es informaci\u00f3n que puede utilizarse por s\u00ed sola o con otros datos para identificar, contactar o localizar a una sola persona, o para identificar a un individuo en su contexto. Le rogamos que lea atentamente nuestra pol\u00edtica de privacidad para comprender claramente c\u00f3mo recopilamos, utilizamos, protegemos o tratamos de cualquier otro modo su Informaci\u00f3n de Identificaci\u00f3n Personal de acuerdo con nuestro sitio web.<\/p>\n<p><strong>\u00bfQu\u00e9 informaci\u00f3n personal recopilamos de las personas que visitan nuestro blog, sitio web o aplicaci\u00f3n?<\/strong><\/p>\n<p>Al realizar un pedido o registrarse en nuestro sitio, seg\u00fan proceda, es posible que se le pida que introduzca su nombre, direcci\u00f3n de correo electr\u00f3nico, n\u00famero de tel\u00e9fono u otros datos que le ayuden en su experiencia.<\/p>\n<p><strong>\u00bfCu\u00e1ndo recopilamos informaci\u00f3n?<\/strong><\/p>\n<p>Recogemos informaci\u00f3n suya cuando rellena un formulario o introduce informaci\u00f3n en nuestro sitio.<\/p>\n<p><strong>\u00bfC\u00f3mo utilizamos su informaci\u00f3n?<\/strong><\/p>\n<p>Podemos utilizar la informaci\u00f3n que obtenemos de usted cuando se registra, realiza una compra, se suscribe a nuestro bolet\u00edn de noticias, responde a una encuesta o a una comunicaci\u00f3n de marketing, navega por el sitio web o utiliza algunas otras funciones del sitio de las siguientes maneras:<\/p>\n<p><span class=\"\">\u00a0 \u00a0 \u00a0\u00a0<\/span>- Para enviar correos electr\u00f3nicos peri\u00f3dicos sobre su pedido u otros productos y servicios.<\/p>\n<p><strong>\u00bfC\u00f3mo protegemos su informaci\u00f3n?<\/strong><\/p>\n<p>No utilizamos escaneado de vulnerabilidades ni escaneado conforme a las normas PCI.<\/p>\n<p>S\u00f3lo proporcionamos art\u00edculos e informaci\u00f3n. Nunca pedimos n\u00fameros de tarjetas de cr\u00e9dito.<\/p>\n<p>Realizamos an\u00e1lisis peri\u00f3dicos de malware.<br \/><br \/><\/p>\n<p>Sus datos personales se almacenan en redes seguras a las que s\u00f3lo puede acceder un n\u00famero limitado de personas que tienen derechos especiales de acceso a dichos sistemas y est\u00e1n obligadas a mantener la confidencialidad de la informaci\u00f3n. Adem\u00e1s, toda la informaci\u00f3n confidencial o crediticia que nos facilite se encripta mediante la tecnolog\u00eda SSL (Secure Socket Layer).<\/p>\n<p>Aplicamos diversas medidas de seguridad cuando un usuario introduce, env\u00eda o accede a sus datos para mantener la seguridad de su informaci\u00f3n personal.<\/p>\n<p>Para su comodidad, podemos guardar los datos de su tarjeta de cr\u00e9dito durante m\u00e1s de 60 d\u00edas con el fin de agilizar futuros pedidos y automatizar el proceso de facturaci\u00f3n.<\/p>\n<p><strong>Do we use \u2018cookies\u2019?<\/strong><\/p>\n<p>Yes. Cookies are small files that a site or its service provider transfers to your computer\u2019s hard drive through your Web browser (if you allow) that enables the site\u2019s or service provider\u2019s systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.<\/p>\n<p><strong>We use cookies to:<\/strong><\/p>\n<p><span class=\"\">\u00a0 \u00a0 \u00a0\u00a0<\/span>\u2022\u00a0Understand and save user\u2019s preferences for future visits.<\/p>\n<p><span class=\"\">\u00a0 \u00a0 \u00a0\u00a0<\/span>\u2022\u00a0Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.<\/p>\n<p><br \/>You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser\u2019s Help Menu to learn the correct way to modify your cookies.<\/p>\n<p>If you turn cookies off, Some of the features that make your site experience more efficient may not function properly.It won\u2019t affect the user\u2019s experience that make your site experience more efficient and may not function properly.<\/p>\n<p><strong>Third-party disclosure<\/strong><\/p>\n<p>We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it\u2019s release is appropriate to comply with the law, enforce our site policies, or protect ours or others\u2019 rights, property or safety.<\/p>\n<p>However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.<\/p>\n<p><strong>Third-party links<\/strong><\/p>\n<p>We do not include or offer third-party products or services on our website.<\/p>\n<p>Google<\/p>\n<p>Google\u2019s advertising requirements can be summed up by Google\u2019s Advertising Principles. They are put in place to provide a positive experience for users. https:\/\/support.google.com\/adwordspolicy\/answer\/1316548?hl=en<\/p>\n<p>Google, as a third-party vendor, uses cookies to serve ads on our site. Google\u2019s use of the DART cookie enables it to serve ads to our users based on previous visits to our site and other sites on the Internet. Users may opt-out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy.<\/p>\n<p><strong>Facebook Pixel<\/strong><\/p>\n<p>The Facebook pixel is a small piece of JavaScript that an administrator of a Facebook Ads account adds to their website in order to optimize their ads, report on conversions across devices, and create custom audiences of website visitors for use in Facebook ads. The Facebook Pixel was designed from the bottom up with privacy in mind. In order to use this product, the website does not need to collect or send names, email addresses or other contact information to Facebook.<\/p>\n<p>We never share information from your website with your competitors or third parties. All information we use is aggregated with millions of other signals before being read by our optimization systems. Facebook uses information obtained from websites that install Pixels to improve its ads (as noted in our terms). This data is aggregated before it&#8217;s used.<\/p>\n<p><strong>The Facebook pixel collects five types of data:<\/strong><\/p>\n<p>HTTP Headers\u00a0&#8211; Anything present in HTTP headers. HTTP Headers are a standard web protocol sent between any browser request and any server on the internet. HTTP Headers include IP addresses, information about the web browser, page location, document, referrer and person using the website.<\/p>\n<ul class=\"defaultList\">\n<li>Pixel-specific Data\u00a0&#8211; This includes Pixel ID and the cookie.<\/li>\n<li>Button Click Data\u00a0&#8211; This includes any buttons clicked by site visitors, the labels of those buttons and any pages visited as a result of the button clicks.<\/li>\n<li>Optional Values\u00a0&#8211; Developers and marketers can optionally choose to send additional information about the visit through Custom Data events. Example custom data events are conversion value, page type and more.<\/li>\n<li>Form Field Names\u00a0&#8211; This includes website field names like \u2018email\u2019, \u2018address\u2019, and \u2018quantity\u2019 when a person purchases a product or service. The pixel does not capture field values unless an advertiser includes them as part of Advanced Matching or optional values.<\/li>\n<\/ul>\n<p>We use data sent by the Facebook pixel to enable you to use our ad products, to better reach people who visit your website, to optimize your ads, and provide rich reports and insights about the conversions that result from your ads. Like other businesses in this space we also use this information to improve our advertising and to serve more relevant ads to people. This is a process known as interest based advertising and it is a common industry practice.<\/p>\n<p>For more information about the Facebook Pixel, visit https:\/\/www.facebook.com\/business\/help.<\/p>\n<p><strong>We have implemented the following:<\/strong><\/p>\n<p>We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website.<\/p>\n<p>Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising Initiative Opt Out page or by using the Google Analytics Opt Out Browser add on.<\/p>\n<p><strong>California Online Privacy Protection Act<\/strong><\/p>\n<p>CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law\u2019s reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. \u2013 See more at: https:\/\/consumercal.org\/california-online-privacy-protection-act-caloppa\/#sthash.0FdRbT51.dpuf<\/p>\n<p><strong>According to CalOPPA, we agree to the following:<\/strong><\/p>\n<p>Users can visit our site anonymously.<\/p>\n<p>Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website.<\/p>\n<p>Our Privacy Policy link includes the word \u2018Privacy\u2019 and can easily be found on the page specified above.<\/p>\n<p><br \/><strong>You will be notified of any Privacy Policy changes:<\/strong><\/p>\n<p><span class=\"\">\u00a0 \u00a0 \u00a0\u00a0<\/span>\u2022\u00a0On our Privacy Policy Page<\/p>\n<p><strong>Can change your personal information:<\/strong><\/p>\n<p><span class=\"\">\u00a0 \u00a0 \u00a0\u00a0<\/span>\u2022\u00a0By emailing us<\/p>\n<p><span class=\"\">\u00a0 \u00a0 \u00a0\u00a0<\/span>\u2022\u00a0By calling us<\/p>\n<p><br \/><strong>How does our site handle Do Not Track signals?<\/strong><\/p>\n<p>We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.<\/p>\n<p><br \/><strong>Does our site allow third-party behavioral tracking?<\/strong><\/p>\n<p>It\u2019s also important to note that we do not allow third-party behavioral tracking<\/p>\n<p>COPPA (Children Online Privacy Protection Act)<\/p>\n<p>When it comes to the collection of personal information from children under the age of 13 years old, the Children\u2019s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States\u2019 consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children\u2019s privacy and safety online.<\/p>\n<p>We do not specifically market to children under the age of 13 years old.<\/p>\n<p><strong>Do we let third-parties, including ad networks or plug-ins collect PII from children under 13?<\/strong><\/p>\n<p>Fair Information Practices<\/p>\n<p>The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.<\/p>\n<p>In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:<\/p>\n<p>We will notify you via email<\/p>\n<p><span class=\"\">\u00a0 \u00a0 \u00a0\u00a0<\/span>\u2022\u00a0Within 7 business days<\/p>\n<p><br \/>We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and\/or prosecute non-compliance by data processors.<\/p>\n<p><strong>CAN SPAM Act<\/strong><\/p>\n<p>The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.<\/p>\n<p><strong>We collect your email address in order to:<\/strong><\/p>\n<p><span class=\"\">\u00a0 \u00a0 \u00a0\u00a0<\/span>\u2022\u00a0Send information, respond to inquiries, and\/or other requests or questions<\/p>\n<p><span class=\"\">\u00a0 \u00a0 \u00a0\u00a0<\/span>\u2022\u00a0Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.<\/p>\n<p><br \/>To be in accordance with CANSPAM, we agree to the following:<\/p>\n<p><span class=\"\">\u00a0 \u00a0 \u00a0\u00a0<\/span>\u2022\u00a0Not use false or misleading subjects or email addresses.<\/p>\n<p><span class=\"\">\u00a0 \u00a0 \u00a0\u00a0<\/span>\u2022\u00a0Identify the message as an advertisement in some reasonable way.<\/p>\n<p><span class=\"\">\u00a0 \u00a0 \u00a0\u00a0<\/span>\u2022\u00a0Include the physical address of our business or site headquarters.<\/p>\n<p><span class=\"\">\u00a0 \u00a0 \u00a0\u00a0<\/span>\u2022\u00a0Monitor third-party email marketing services for compliance, if one is used.<\/p>\n<p><span class=\"\">\u00a0 \u00a0 \u00a0\u00a0<\/span>\u2022\u00a0Honor opt-out\/unsubscribe requests quickly.<\/p>\n<p><span class=\"\">\u00a0 \u00a0 \u00a0\u00a0<\/span>\u2022\u00a0Allow users to unsubscribe by using the link at the bottom of each email.<\/p>\n<p><span class=\"\"><br \/>If at any time you would like to unsubscribe from receiving future emails, you can email us at\u00a0<\/span><span class=\"inline-data-binding\" data-encoded-value=\"dHJldm9yQGdyb3Zlc2NhcGl0YWwuY29t\" data-inline-binding=\"content_library.global.email.email\"><a class=\"inlineBindingLink\" href=\"mailto:nina@carpenterhomeloans.com\" target=\"_blank\" rel=\"noopener\">nina@carpenterhomeloans.com<\/a><\/span><\/p>\n<p><span class=\"\">\u00a0 \u00a0 \u00a0\u00a0<\/span>\u2022\u00a0Follow the instructions at the bottom of each email and we will promptly remove you from\u00a0ALL\u00a0correspondence.<\/p>\n<\/div>\n<div id=\"1046657554\" class=\"dmNewParagraph\" data-element-type=\"paragraph\" data-version=\"5\" data-uw-styling-context=\"true\" data-diy-text=\"\">\n<p>Contacting Us<\/p>\n<p><br \/>If there are any questions regarding this privacy policy, you may contact us using the information below.<\/p>\n<p><span class=\"inline-data-binding\" data-encoded-value=\"d3d3LndlYnNpdGUuY29t\" data-inline-binding=\"site_text.website address\">carpenterhomeloans.com<\/span><\/p>\n<p><span class=\"inline-data-binding\" data-encoded-value=\"NTM3MSBXaWxzaGlyZSBEciwgU2FuIERpZWdvLCBDQSA5MjExNiwgVVNB\" data-inline-binding=\"content_library.global\">Mesa, AZ, United States<\/span><\/p>\n<p><span class=\"inline-data-binding\" data-encoded-value=\"dHJldm9yQGdyb3Zlc2NhcGl0YWwuY29t\" data-inline-binding=\"content_library.global.email.email\"><a class=\"inlineBindingLink\" href=\"mailto:nina@carpenterhomeloans.com\" target=\"_blank\" rel=\"noopener\">nina@carpenterhomeloans.com<\/a><\/span><\/p>\n<\/div>\t\t\t\t\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>Privacy Policy for\u00a0carpenterhomeloans.com This privacy policy has been compiled to better serve those who are concerned with how their \u2018Personally Identifiable Information\u2019 (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-3","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/carpenterhomeloans.com\/es\/wp-json\/wp\/v2\/pages\/3","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/carpenterhomeloans.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/carpenterhomeloans.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/carpenterhomeloans.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/carpenterhomeloans.com\/es\/wp-json\/wp\/v2\/comments?post=3"}],"version-history":[{"count":7,"href":"https:\/\/carpenterhomeloans.com\/es\/wp-json\/wp\/v2\/pages\/3\/revisions"}],"predecessor-version":[{"id":276,"href":"https:\/\/carpenterhomeloans.com\/es\/wp-json\/wp\/v2\/pages\/3\/revisions\/276"}],"wp:attachment":[{"href":"https:\/\/carpenterhomeloans.com\/es\/wp-json\/wp\/v2\/media?parent=3"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}