{"componentChunkName":"component---src-pages-nosotros-js","path":"/en/nosotros/","result":{"pageContext":{"intl":{"language":"en","languages":["es","en"],"messages":{"CarouselTitle1":"His storekeeper trusted since 1969","CarouselDescription1":"With more than 50 years of experience, we provide quality services.","CarouselContact1":"Learn more","CarouselTitle2":"With more than 100,000 square meters of patios","CarouselDescription2":"Our facilities are located in three of the main cities of Ecuador (Guayaquil, Quito and Manta)","CarouselContact2":"Learn more","somosTitle1":"Almacenera del Ecuador S.A.","somosTitle2":"with more than 50 years of experience.","somosDescripcion":"We are a company that provides services of deposit, custody and handling of merchandise, of national or foreign origin. Due to its history and years of service, today it has an proven experience and wide geographic coverage in the Ecuadorian market, operating in the main cities and commercial ports of the country: Guayaquil, Quito and Manta.","headerAyuda":"You need help? +593 4 2490070 ","headerIdioma":"Language","MenuInicio":"Home","MenuSomos":"About us","MenuTransparencia":"Transparency of Information","MenuNosotros":"U.S","MenuGobierno":"Corporate governance","MenuServicios":"Services","MenuOficina":"Offices","MenuContactenos":"Contact Us","MenuSolicitud":"Service Quote Request","MenuFormQuejas":"Complaints and suggestions form","MenuFormDenuncias":"Ethical Channel - Complaints","FooterTitle":"A company of the Financial Group:","FooterSubtitle":"Parent Address","FooterDireccion":"GUAYAQUIL: Cdla. Tulipanes Guasmo Norte Calle 49 S-E, solar 2, entre Av. Domingo Comín y Av. 10 BS-E, Frente a Pradera II.","FooterTelefono":"Phones","FooterDesTelefono":"Phones: (593-4) 2490070 - 2495933 – 2490015","FooterDesDenuncia":"Complaints phone: (593-4) 2494018","FooterEnlacesExternos":"External links","FooterPrograma":"Financial education program","FooterFacturacion":"Electronic Billing","FooterSuperIntendencia":"Authorization Superintendency of Banks","FooterBancoPichincha":"Banco Pichincha","FooterSENAE":"SENAE","FooterSRI":"SRI","FooterSuperintenciadeBancos":"Superintendency of Banks","FooterSuperIntenciaCompania":"Superintendence of companies, securities and insurance","FooterPoliticasDePrivacidad":"Privacy policies","FooterMapa":"Map Office","FooterCopy":"&copy; Copyright {year} Almesa S.A.","PageTIBalance":"Corporate balance sheet","PageTIEstado":"Comparative Income Statement","PageTIFlujo":"Cash Flow","PageTIindicadores":"Financial indicators","PageTIpatrimonio":"Shaping the technical heritage","PageTIcalificacion":"Conformation of the technical heritage","PageTIauditoria":"External audit report","pageGobiernoEstructura":"Organizational Structure","pageGobiernoMiembros":"Board Members","pageGobiernoCodigo":"Code of ethics","pageEticaProveedores":"Code of ethics Suppliers","pageGobiernoCorporativo":"Corporate governance code","pageEstatutoSocial":"Social position","pageGobiernoIndicadores":"Corporate Governance Indicators","pageGobiernoaccionistas":"Shareholder Information","pageGobiernodirectorio":"Directory Information","pageGobiernoSobreedirectorio":"Information on Directory","pageGobiernoSobregerencial":"Information on management team","pageGobiernolaboral":"Working Information","pageNosotrosTitulo":"U.S","pageNosotrosHistoria":"History","pageNosotrosMision":"Mission","pageNosotrosVision":"View","pageNosotrosValores":"Organizational values","pageNosotrosValores1":"Almesa's culture is based on institutional values, which govern the relationships between its collaborators, clients, shareholders, suppliers, communities, control entities and peer companies. Such values ​​are the following:","pageNosotrosValores2":"CONSISTENCY: - We act under the principles of integrity - We act with principles of honesty and transparency","pageNosotrosValores3":"EFFORT (BE THE BEST): - We seek excellence in everything we do. - We promote the desire to grow and improve. - We give clarity about the objectives and goals to be achieved.","pageNosotrosValores4":"RESPONSIBILITY: - We fulfill our commitments. - We act diligently and decisively with our clients. - We are open to being accountable for our actions.","pageNosotrosValores5":"TRANSCENDENCE: - We build solid relationships with our collaborators, clients and suppliers. - We seek to generate and promote changes in our services. - We promote collaboration and search for synergies.","pageNosotrosHistoriaDes":"Almacenera del Ecuador S.A. ALMESA, is a financial services company, a member of the Pichincha Financial Group, duly authorized for operation by the Superintendency of Banks of Ecuador.","pageNosotrosHistoriaDes1":" We started our warehouse activity in the city of Guayaquil on March 24, 1969, being the first to provide this service to the economic and commercial community of Ecuador.","pageNosotrosHistoriaDes2":" With the philosophy of maintaining hegemony and initiative within the General Warehouses of Deposit, ALMESA has traveled in the following years a path of success, characterized by the improvement of its operational and administrative efficiency, executing countless projects that have contributed to the experience acquired and they have constituted ALMESA in the first warehouse of Ecuador.","pageNosotrosMisionDes":"Provide efficient storage and custody services for all types of merchandise, seeking to satisfy the needs of our clients, in an agile, safe and quality manner, generating trust in the market, well-being for our collaborators and remuneration for shareholders.","pageNosotrosVisionDes":"Increase the satisfaction of our customers, expanding national and international certifications for the best storage practices, providing comprehensive solutions with greater efficiency and being responsible with the environment that surrounds us.","pageServiciosAlmacenamiento":"Simple storage","pageServiciosDeposito":"Public Bonded Warehouse","pageServiciosCertificadoDeposito":"Storage Tank with certificate","pageServiciosOtros":"Other logistics services","pageServiciosTitulo":"Services","pageHomeNoticias":"News","pageHomeTodasNoticias":"All the news","pageOficinasTitle":"Offices","pageOficinasGuayaquil":"Guayaquil","pageOficinasMatriz":"Sucursal Matriz","pageOficinasPatrios":"Patios: ","pageOficinasBodegasCubiertas":"Covered Warehouses: ","pageOficinasDepositoAduaneroPatios":"Public Customs Warehouse - Patios: ","pageOficinasDepositoAduaneroBodegas":"Public Customs Warehouse - Covered Bodegas: ","pageOficinasEmailGuayaquil":"Email: oficina_gye@almesa.com.ec","pageOficinasMapa":"See address on the map","pageOficinasQuitoSur":"Quito Sur","pageOficinasSucursal":"Branch Office","pageOficinasDirQuitoSur":"Address: Av. Morán Valverde OE 1160 y Manglar Alto - María E. Salazar frente al paso de desnivel de Chillogallo.","pageOficinasTelefonoQuitoSur":"Phones: (593-2) 2672373 - 2672794","pageOficinasEmailQuito":"Email: oficina_uio@almesa.com.ec","pageOficinasQuitoNorte":"Quito North","pageOficinasDirQuitoNorte":" Address: Av. Los Ciruelos OE1-116, Calle No. 67, Av. Eje Long Galo Plaza Lasso.","pageOficinasTelefonoQuitoNorte":"Phones: (593-2) 2807775 - 2807778","pageOficinasManta":"Manta","pageOficinasDirManta":"Address: Calle 15 Abril S/N, Vía Manta – Portoviejo Km 4.5.","pageOficinasTelefonoManta":"Phones: (593-5) 2578835 - 2578755","pageOficinasEmailManta":"Email: oficina_mta@almesa.com.ec","pageSolicitudEmail":"Email","pageSolicitudTelefono":"Phones","pageSolicitudFax":"Fax","BannerContacto":"With more than 50 years service","RegisterFormplaceholderIngrese":"Enter","RegisterFormNombre":"Names and surnames","RegisterFormEmail":"Your e-mail","RegisterFormTelefono":"Phone","RegisterFormContacto":"Contact means","RegisterFormContacto1":"Social networks","RegisterFormContacto2":"Internet","RegisterFormContacto3":"Recommendation of an acquaintance","RegisterFormContacto4":"Visit Commercial","RegisterFormContacto5":"Banco Pichincha","RegisterFormContacto6":"Others","RegisterFormSeleccione":"Select","RegisterFormRequerimiento":"Request","RegisterForm2Razon":"Contact Reason","RegisterForm2Razon1":"Complain","RegisterForm2Razon2":"Suggestion","RegisterForm2Razon3":"Complaint","RegisterForm2Cliente":"Relationship with ALMESA","RegisterForm2Cedula":"Cedula/RUC","RegisterForm2Provincia":"Location","RegisterForm2IndiqueQueja":"Indicate whether the complaint or suggestion relates to interest deriving from: ","RegisterForm2Contratos":"Contracts","RegisterForm2Servicios":"ALMESA Services","RegisterForm2PersonalAlmesa":"ALMESA Staff","RegisterForm2Instalaciones":"Installations","RegisterForm2SocioAmbiental":"Socio-Environmental","RegisterForm2Otros":"Others","RegisterForm2DetalleMotivo":"Detail the reason for the complaint or suggestion with clear specifications.","RegisterForm2DetalleMotivoDenuncia":"Detail the reason for the complaint with clear specifications","SubmitButton":"Send","Service":"Know more","Notice1Title":"Know more<b>hello</b>","noticia1Title":"How to calculate my debt capacity?","noticia1Paragraph1":"Sometimes being able to meet those goals you have in mind depends on just one thing: taking on debt. Doing so is very convenient as long as it is taken responsibly, punctually and without affecting financial solvency. So the frequent question in these cases is usually 'How much can I borrow?'.","noticia1Paragraph2":"To help you solve this question, we are going to explain what debt capacity is and how you can calculate yours. It is very simple!","noticia1SubTitle1":"What is the debt capacity?","noticia1Paragraph3":"The debt capacity is the maximum amount or amount by which a person, a company or a country can borrow without putting their financial solvency at risk.","noticia1Paragraph4":"This suggests then that, with the total income that you receive periodically, you should be able to cover both the household expenses and the debt assumed. The payment of the fee should not harm your financial solvency, that is, you should not be in trouble when it comes to making your mandatory payments.","noticia1SubTitle2":"How do you know what debt capacity you have?","noticia1Paragraph5":"The debt capacity or credit capacity has a limit that goes between 30% and 40% of the monthly net income. Net income is the amount of money you have left after subtracting your total expenses from your total income. It is not advisable to exceed the recommended limit because doing so could put your financial health and stability at risk.","noticia1Paragraph6":"Following this logic, the debt capacity is calculated with the following simple formula.","noticia1TitleTable":"0.40 corresponds to the decimal representation of 40% and is obtained by dividing 40 by 100.","noticia1Paragraph7":"Now, let's see a practical example so that you can take it as a model and calculate your debt capacity.","noticia1Paragraph8":"According to our calculation, this person has a debt capacity of $ 160.00. That is, you can assume a debt whose monthly payment does not exceed that amount.","noticia1Paragraph9":"In this example we have used the maximum limit, which is 40%, but you can calculate your debt capacity to the percentage that best suits you according to your net income and other objectives you have, such as savings.","noticia1Paragraph10":"Remember that financial institutions also analyze the customer's debt capacity to decide whether or not they will be granted a loan. Being a good, punctual, and responsible debtor helps you build a strong credit history and therefore get a good rating on the Registry of Credit Data (RDC).","noticia1Subtitle3":"Our advice","noticia1Paragraph11":"To know exactly what your expenses are and how much money each item requires, we recommend that you prepare a personal or family budget and monitor the expense register frequently.","noticia1Paragraph12":"5 tips to take into account before getting into debt","noticia1LiTitle":"Have a clear budget","noticia1LiParagraph":"in which you assign a percentage of your income to items such as: food, home, leisure, savings, etc.","noticia1LiTitle1":"Analyze if that debt","noticia1LiParagraph1":" It is absolutely necessary and if it will help you achieve a goal that improves your quality of life and that of your family.","noticia1LiTitle2":"Make your debt capacity transparent.","noticia1LiParagraph2":"Being realistic will prevent you from over-indebting yourself.","noticia1LiTitle3":"Run a credit simulation","noticia1LiParagraph3":"what you want, before making your request.","noticia1LiTitle4":"Analyze what types of expenses","noticia1LiParagraph4":"you would have to sacrifice to maintain your financial health.","noticia1TitleAdvice":"Before you go into debt, remember, calculate up to how much you can do it!","noticia2Title":"Is there a leak in your pocket? Everything you need to know about ant expenses","noticia2Paragraph1":"Has it ever happened to you that no matter how hard you try to save, the salary is just enough and your financial goals are still far away? One of the ways you could be hurting your pocket is ant expenses. If you want to identify which ones to put a brake on them and ensure that your money does not escape from your wallet, keep reading this post!","noticia2SubTitle1":"What are the ant expenses?","noticia2Paragraph2":"Ant expenses are consumptions of small amounts that apparently do not affect your budget but, in reality, have a high impact on your personal or family finances. It's about frequent purchases of things that you don't really need.","noticia2Paragraph3":"It is very common that when thinking about your expenses, you focus on the most significant, such as the debt of a car or a house or on purchases with your card. But it's the small daily expenses that could be draining your pocket. They are not usually measured because there is no awareness of their need and real impact. These are some examples of the most common ant expenses:","noticia2LiParagraph":"The coffee you buy every day.","noticia2LiParagraph1":"The cravings from the store.","noticia2LiParagraph2":"Eating out.","noticia2LiParagraph3":"Additional fees for basic services.","noticia2LiParagraph4":"Subscriptions you pay for, but don't use.","noticia2LiParagraph5":"Little vices like tobacco.","noticia2LiParagraph6":"Any impulse purchase.","noticia2Paragraph4":"Surely, you have spent your money on one or more of the ant consumptions that we mention. Therefore, it is very important to identify them, become aware of your purchases and keep track of what you spend, so that you can save more or use your money much better.","noticia2SubTitle2":"Ant expenses: main characteristics","noticia2Paragraph5":"Now that you know what an ant expense is and how it can be damaging your financial health, we are going to help you recognize them, so that the next time you want to save, money will not easily slip away.","noticia2LiParagraph7":"Small amounts: ant expenses are small amounts of money whose impact is not easily perceived.","noticia2LiParagraph8":"They do not seem to be important: being low outlays in everyday things, we think that they do not have a major impact on our pocket and we do not pay attention to them.","noticia2LiParagraph9":"They are periodic: generally, these types of purchases are frequent. The periodicity with which you spend on them is what determines the amount of money that you are not saving or using better.","noticia2LiParagraph10":"They are not planned: ant expenses are not considered in a budget; they are often impulse purchases.","noticia2SubTitle3":"How to identify an ant expense?","noticia2Paragraph6":"Ant expenses represent a significant outlay of money and, when adding all of them, you will realize that the amount of money you allocate to them can have a great impact on your economy. There are some ant expenses that are easier to recognize than others, but they will always have the characteristics that we mentioned before.","noticia2Paragraph7":"Diagnosing what your ant expenses are is simple. All you have to do is calculate how much money you spend on these consumptions, following these three steps:","noticia2SubTitle4":"1. Identify your daily expenses","noticia2Paragraph8":"Save receipts and invoices for the consumptions you make. Then, make a table, with a description of each daily expense and its amount.","noticia2SubTitle5":"2. Add your ant expenses for the week","noticia2Paragraph9":"Repeat the previous step for every day of the week and add up all the unnecessary consumption that you have made in that time. This simple operation will indicate the money that you are allocating weekly to ant expenses.","noticia2SubTitle6":"3. Project the results","noticia2Paragraph10":"Now that you know how much you spend a week on unnecessary things, we recommend you take a projection of your monthly and annual ant expenses so that you know how much money you are actually allocating.","noticia2Paragraph11":"To know the value of your monthly ant expenses, multiply the weekly total by the 4 weeks that a month has.","noticia2Paragraph12":"If you want to know how much money a year goes to these consumptions, you must multiply the weekly total figure by the 52 weeks of the year.","noticia2Paragraph13":"As you can see, although daily consumption seems unimportant for your finances, at the end of the year, they represent a considerable sum that you stopped saving or using profitably. So what you should do is avoid ant expenses.","noticia2SubTitle7":"10 tips to control ant expenses","noticia2Paragraph14":"If you just realized that you are spending too much money on ant expenses, don't panic! We have prepared some tips that will help you better control your expenses.","noticia2LiParagraph11":"Create a budget: this will let you know how much money you can spend and how much you should save.","noticia2LiParagraph12":"Establish a small monthly amount: allocate it exclusively to your ant expenses. This will help you control them and not go over budget.","noticia2LiParagraph13":"Take your lunch and snacks to the office: this way you will avoid falling into the temptation of eating out every day or spending too much on snacks.","noticia2LiParagraph14":"Cancel unnecessary subscriptions: for example, streaming services that you do not use frequently, movie platforms, etc.","noticia2LiParagraph15":"Choose alternative means of transport: whenever possible, get around on foot or by bicycle. Thus, in addition, you relax your mind and exercise.","noticia2LiParagraph16":"Make a shopping list - this will help you keep track of what you actually need to buy. You can also bring the exact amount of money you are going to spend on that list.","noticia2LiParagraph17":"Check the bills for basic services: you could be paying more than the bill on your electricity, water, or telephone bills, due to additional charges or phantom consumption.","noticia2LiParagraph18":"Reduce outings: choose the days when you are going to spend leisure with friends or family and create a maximum budget to allocate for those occasions.","noticia2LiParagraph19":"Try to cook at home: especially if you work from home, you can prepare your meals in advance, instead of constantly asking for delivery.","noticia2LiParagraph20":"Use payment and collection apps: they are a very good alternative because they don't charge you commissions when paying for purchases; In addition, you will prevent that bill from becoming 'loose' that are then scattered around the house.","noticia2SubTitle8":"Bonus","noticia2Paragraph15":"Do you want to take better care of your pocket? Follow this guide of 10 tips that will help you save money easily!","noticia2Paragraph16":"Managing finances properly is a habit that many times we find it difficult to maintain; But taking small actions every day is a good place to start. The next time you want to incur an ant expense, take a moment and reflect: Do I really need what I am going to buy?","noticia3Title":"Ten computer security tips for your day to day","noticia3Paragraph1":"You telecommute, pay with your banking apps, check your social networks, make an online reservation, register in that online store that you loved ... The immense amount of sensitive data that you generate with these and other activities deserves extreme care, now that the consequences can range from identity theft to penniless bank accounts.","noticia3Paragraph2":"Keep reading, because in this post we are going to give you ten basic and very useful computer security tips that you can put into practice on a day-to-day basis.","noticia3SubTitle1":"Computer security: what is it and why is it important","noticia3Paragraph3":"Computer security is a discipline dedicated to minimizing the risk of malicious attacks on computer systems, mobile devices or digital platforms. For a cybersecurity technique or tool to be effective in protecting your data, it must guarantee 4 aspects:","noticia3LiParagraph":"Integrity: ensure that your personal information can only be managed or deleted by you and detect if there was unauthorized access.","noticia3LiParagraph1":"Confidentiality: protect the undue entry of third parties to your information and money.","noticia3LiParagraph2":"Availability: guarantee access to your information whenever and wherever you want.","noticia3LiParagraph3":"Authentication: ensuring that the people who are part of a communication are really them and not an impersonated identity.","noticia3Paragraph4":"The importance of computer security lies in five essential functions:","noticia3LiParagraph4":"Minimize the risk of virus or malware installation.","noticia3LiParagraph5":"Prevent crimes such as identity theft.","noticia3LiParagraph6":"Detect computer threats.","noticia3LiParagraph7":"Prevent scams and money theft.","noticia3LiParagraph8":"Avoid social engineering attacks and other computer fraud.","noticia3SubTitle2":"Curiosities","noticia3Paragraph5":"In addition to viruses and malware, cybercriminals also use emotional manipulation techniques called social engineering to access your data and steal your money.","noticia3SubTitle3":"10 computer security tips","noticia3Paragraph6":"There are many options to protect yourself from a cyber attack. A good alternative is to combine various tools and techniques to defend yourself against different types of cyberattacks. Before continuing with our list of tips, the most important thing is that you always act with caution, be alert to any possible threat and have all your data safely, so that the chances of being a victim of a scam or theft are less.","noticia3Paragraph7":"For this reason, we have compiled these simple recommendations that will help you strengthen the security of your information and devices.","noticia3LiParagraph9":"Read your emails carefully: falling for deceptions such as phishing can be very easy if you don't check your emails carefully. Make sure you know the sender, see if the address or message is spelled correctly. If you think it is not a secure email, do not open attachments or reply. And never share your sensitive information!","noticia3LiParagraph10":"Change your passwords regularly: to prevent third parties from accessing your information, we recommend that you update your passwords at least 4 times a year and avoid using the same password for all your accounts. Do not forget to create strong passwords, complex but, at the same time, easy to remember.","noticia3LiParagraph11":"Use the double authentication factor: another alternative to protect the entry of third parties to your accounts and equipment is through the double authentication factor, a mechanism that confirms your identity twice when entering a platform or making a payment in line.","noticia3LiParagraph12":"Make backup copies: if a hacker accesses your information, modifies or deletes it, having a backup or backup will help you recover your data and remain calm. Currently, you can do them from the cloud for almost all your devices. Another alternative is to save a backup to an external hard drive.","noticia3LiParagraph13":"Keep the software of your devices updated: the new versions of software have security patches that reinforce the vulnerable points where hackers can access your computer or cell phone. We recommend that you automatically configure all updates for your devices.","noticia3LiParagraph14":"Close sessions: if you share your computer, close your sessions and accounts on social networks or shopping and transaction websites once you finish using it.","noticia3LiParagraph15":"Public networks, better not: public Internet networks do not encrypt the information that circulates through them; therefore, your data is not protected when you use it. Ideally, you should not carry out transactions or manage sensitive information from a public WIFI.","noticia3LiParagraph16":"Check that the web is secure: To find out if you entered a secure web page, confirm that the address begins with HTTPS (Hypertext Transfer Protocol Secure, for its acronym in English) and includes a lock on the side. Both elements guarantee that the data and information you share on that page is encrypted and cannot be intercepted.","noticia3LiParagraph17":"Protect yourself with a firewall and antivirus: by installing this type of software, you will prevent unauthorized people from accessing your computers and the installation of viruses or other malware that could infect your devices and compromise your sensitive data.","noticia3LiParagraph18":"Restrict the use of your WIFI: use a secure password so that hackers cannot enter your router or spy on your browsing data. You can also create a network just for your guests and protect the sensitive information you keep at home.","noticia3SubTitle4":"Bonus","noticia3Paragraph8":"Avoid falling for scams through social networks! Make sure your profile is private and that your contact list is made up of only people you know. Do not respond to messages from strangers and if they contact you claiming that they are someone you know, confirm their identity by other means.","noticia4Title":"How to keep track of household expenses without complications","noticia4Paragraph1":"Supermarket purchases, children's cardboard, house arrangements, medicines ... If you live alone or as a family and the household expenses in the day to day are overflowing and you do not know how to keep an adequate control, in this post we are going to give you a guide for you to do it without complications. Read on, and by the end, you're ready to start smartly managing your spending.","noticia4SubTitle1":"1. Manage a budget","noticia4Paragraph2":"It is impossible to do an orderly control of expenses without first knowing the reality of personal or family finances. To do this, there is no better way than preparing a real budget, conscientiously and without leaving anything out.","noticia4Paragraph3":"This document is the starting point for responsible money management and, together with the expense record, it will be the guide for you to implement corrections or make financial decisions that improve your quality of life and that of your family. Building it is not tedious nor will it take a long time! Keep in mind these two basic points that you must identify in order to start:","noticia4LiParagraph":"Fixed and variable income","noticia4LiParagraph1":"Fixed and variable expenses","noticia4Paragraph4":"PRO TIP: Follow this guide on how to make a personal or family budget and you will see how easy it is.","noticia4Paragraph5":"Once you have this document ready, it will help you to compare it with the record of expenses that you are going to prepare and, in this way, detect whether or not you are following what you initially defined for expenses.","noticia4SubTitle2":"2. Save the invoices","noticia4Paragraph6":"It is common for consumption bills to end up lost in some corner of the house or even in the garbage. It's time to give them the importance they deserve!","noticia4Paragraph7":"To do a good control of household expenses, it is not enough to remember to see if you remember what consumption you did and how much. Therefore, our recommendation is that you have a filing cabinet or folder at home in which you place and organize all the invoices that you receive monthly. On the other hand, given that electronic invoicing is more and more frequent, you can create a label in your email that allows you to classify all those that you receive through this means. Be careful! In both cases, it is easy for these documents to get misplaced, but they can actually be of great help:","noticia4LiParagraph2":"They make it possible to identify the types of recurring consumption.","noticia4LiParagraph3":"They are the backup for the record of expenditures.","noticia4LiParagraph4":"They become a source of consultation.","noticia4LiParagraph5":"They work as a support for claims or returns.","noticia4SubTitle3":"3. Review your transactions through digital channels","noticia4Paragraph8":"A common situation that you have surely experienced is that, when doing the additions and subtractions, you check the amount with which you arrive at the end of the month and ask yourself 'How did this money go?' Sometimes you may not know why you are $ 50.00 short, but what if you are $ 200.00 short? You can imagine the disappointment!","noticia4Paragraph9":"A good practice that you can implement to find other money outlets is to check your bank movements in the Web Banking or Mobile Banking of Banco Pichincha. It won't take you long! Just remember that the amounts that come out of your account are represented in red. Another good option you have is to download the statement of your savings account to verify the movements that you have not been able to detect with the invoices.","noticia4SubTitle4":"4. Register money outflows","noticia4Paragraph10":"Of course, you will need to create an expense sheet to keep track. Use an agenda, a notebook or an excel sheet. Next, establish a structure for your control record. You can add the fields that you consider useful, however, here are some that you can use.","noticia4TrParagraph":"Date: It is always good to know when expenses were made. It helps you identify the consumer behavior that you have with your family. For example, if you tend to spend more on the weekends.","noticia4TrParagraph1":"Category: if you learned with us to make a budget, you will know that the categorization of expenses allows you to assign a limit amount for each one. Use the same categories to enter the expenses in the control register and, later, verify if you met or exceeded the assigned amount.","noticia4TrParagraph2":"Concept: briefly name each expenditure, consumption or purchase that you have made to be able to identify it later.","noticia4TrParagraph3":"Value: for each item, enter the amount you spent.","noticia4TrParagraph4":"Expected spending: this is what you had planned to spend for each category. You can take this amount directly from your budget.","noticia4TrParagraph5":"Actual spending: is what you ended up spending at the end of the month for each category.","noticia4TrParagraph6":"Difference: Compare the planned and the actual spending and identify the difference, which may mean that you saved or that you exceeded.","noticia4SubTitle5":"5. Analyze expenses","noticia4Paragraph11":"Once you make ends meet with a well-structured expense record supported by invoices and other documents, it's time to analyze the money outflows you had.","noticia4LiParagraph6":"Check what is the highest egress and if it is well justified or could have been lower.","noticia4LiParagraph7":"Identify how much money you used for ant expenses, that is, those that seemed insignificant but that can actually consume your budget.","noticia4LiParagraph8":"Analyze if the amount for each category is less than, equal to or greater than what you initially budgeted. If you overdo it, it means that you may be wasting your money. Take corrective action!","noticia4LiParagraph9":"Check how much money you used for fixed expenses and if they stayed within budget or not.","noticia4LiParagraph10":"Identify how much of the budget you used on variable expenses. Confirm if they stayed within budget or if these can become recurring (fixed).","noticia4LiParagraph11":"Check how much money was left in the family account and think if it would help you to face any eventuality in the coming days or if, on the contrary, the family economy was adjusted.","noticia4SubTitle6":"6. Rectify and make decisions","noticia4Paragraph12":"The main advantage of keeping a record of expenses is that, after review and analysis, you can make the right decisions to improve your personal or family economy, to set and meet new financial goals. So, now, we leave you some ideas by which you can begin to rectify.","noticia4LiParagraph12":"Ant expenses: this type of expense reduces your financial capacity. Set a budget limit and never overdo it. Remember, they are consumptions that can often be avoided.","noticia4LiParagraph13":"Basic services: exceeding basic services not only represents a waste of money, but also of resources. Better control the use of water and electricity at home to avoid waste and reduce bills.","noticia4LiParagraph14":"Budget: it is customary to review this resource every beginning of the month, so that you have clear figures and avoid overdoing it.","noticia4LiParagraph15":"Savings: if you have not yet set savings goals, this is a good time to do so. Saving can mean an increase in family assets but also a cushion to protect your economy in emergency situations.","noticia5Title":"6 security risks in WhatsApp and how to avoid falling into fraud","noticia5Paragraph":"It is no coincidence that more frauds are committed through WhatsApp every day. Its popularity among all is so great that cybercriminals have found a new way to commit their scams. It is free, easy to use and allows you to contact family and friends through private messages, group conversations and stories, mass dissemination of information to contacts, calls, video calls or sending files.","noticia5Paragraph1":"This application has been on the market for more than a decade and although it insists on affirming that security is part of its DNA, there are some risks (specific to the app and not) to which users are exposed when using it. In this post we collect them for you. Take notes and letters on the matter!","noticia5Paragraph2":"millions of users in the world use WhatsApp. (Whatsapp, 2020)","noticia5SubTitle1":"1. Smishing","noticia5Paragraph3":"It's the turn of the well-known smishing! This is another social engineering attack that you can be a victim of through WhatsApp.","noticia5Paragraph4":"It is a variation of phishing, since this attack is carried out through text messages or WhatsApp. The attacker impersonates a company you trust and requests sensitive data to solve a problem, give you a prize or offer you discounts. It is also possible that you attach the link to a website. Don't click! It is a fraudulent website created and managed by cybercriminals to extract your information and access bank accounts.","noticia5SubTitle2":"Our advice","noticia5Paragraph5":"Never give access credentials to platforms and accounts through this application or any other. Remember that at Banco Pichincha we do not request this personal information through messages, calls, e-mails or social networks.","noticia5SubTitle3":"2. Extortion and identity theft","noticia5Paragraph6":"Security gaps in the digital environment and, in this case WhatsApp, allow unauthorized access, theft and kidnapping of information and sensitive data of the victims. So another risk users are exposed to is extortion linked to identity theft.","noticia5Paragraph7":"Many, under insistence, deception or intimidation, are forced to hand over access credentials or money. In Ecuador, these cases are quite common, so below we will review some ways of operating that cybercriminals have.","noticia5LiParagraph":"They pose as an acquaintance who asks for support to retrieve goods at customs.","noticia5LiParagraph1":"They impersonate a family member or friend to request help to retrieve luggage during a trip and obtain money.","noticia5LiParagraph2":"They pose as a relative who has erroneously requested a password to be sent to the victim's cell phone number. If it sends you the code, the attacker obtains the history of conversations and WhatsApp files, among which there may be credentials and bank accounts.","noticia5LiParagraph3":"They contact the victim and ask for a cash reward in exchange for private photos and videos that have been kidnapped.","noticia5LiParagraph4":"They impersonate a trusted company with which the victim has a relationship, to collect a fictitious debt and pressure her to disburse money.","noticia5LiParagraph5":"They impersonate a financial advisor by requesting the update of data and thus seize the victim's bank accounts.","noticia5SubTitle4":"Our advice","noticia5Paragraph8":"In this type of situation, contact the person or company through an alternative channel and confirm their identity.","noticia5SubTitle5":"3. Attacks from public networks","noticia5Paragraph9":"If you have read our content on cybersecurity before, you will know that surfing the internet using public networks is always a very bad idea. If not, now we explain it to you.","noticia5Paragraph10":"The problem when browsing the internet with a public network connection from your computer or cell phone is that they do not encrypt the information you transmit with each click you make, so anyone with hacking skills could have access to your personal data.","noticia5Paragraph11":"Although this is not a WhatsApp problem, your user in this application can be compromised when using public networks. How? Thanks to the 'middle man attack' or man-in-the-middle. This means that the cybercriminal intercepts all the information you generate on the internet to use it in their favor; for example, your WhatsApp profile and all your messages. Never use public networks!","noticia5SubTitle6":"Our advice","noticia5Paragraph12":"If you are forced to use these unencrypted networks, avoid opening WhatsApp Web. Never give usernames and passwords to anyone through this channel, not even to your parents!","noticia5TitleTable":"Conversations on WhatsApp can be exported. Try to delete all chats periodically.","noticia5SubTitle7":"4. Theft of messages and backups","noticia5Paragraph13":"Let's be honest, it is common to make purchases via WhatsApp by handing over your debit or credit card details. It is also common that, in a moment of urgency, we entrust the Web Banking credentials to a family member to carry out a transaction. You can delete those messages with sensitive information but that's not enough. Why?","noticia5Paragraph14":"Although WhatsApp allows you to delete the messages you send, both for you and for the recipient, they are actually stored in a sort of recycle bin in a database management system called SQLite. This database is decryptable, so anyone with the necessary knowledge and tools can obtain information from you that you thought no longer existed.","noticia5Paragraph15":"On the other hand, WhatsApp backups, more than a help for the user, can mean a security breach. With your email, the cybercriminal can retrieve them and use the information as best suits him. Are you sure you didn't send passwords through this channel?","noticia5SubTitle8":"Our advice","noticia5Paragraph16":"To delete the messages permanently, you can delete the application and reinstall it. Also, avoid making backup copies.","noticia5TitleTable1":"Find the backup settings in the 'Chats' section in WhatsApp Settings.","noticia5SubTitle9":"5. QRLJacking (Quick Response Code Login Jacking)","noticia5TitleTable2":"Before logging in to WhatsApp Web, deactivate the option to keep the session active.","noticia5Paragraph17":"This is a type of social engineering attack that consists of the violation of the QR codes generated by mobile applications, to offer functionalities to users. In this case, WhatsApp uses QRs to log into its web version. Keep reading, we will explain it to you in detail!","noticia5Paragraph18":"The QR code is a kind of image that privately stores several encrypted codes never visible to users. It works like a barcode, the kind that we see on product packaging and that also store information.","noticia5Paragraph19":"Cybercriminals take the image of the QR code delivered by the app to access WhatsApp Web and place a new encrypted code created by them. In this way, when the user logs in, the attacker has already stored his access data. From there, you can use the victim's account. All your conversations, photographs, images and videos that have been sent by this channel will be in your hands. Can you imagine the fate they may have?","noticia5SubTitle10":"Our advice","noticia5Paragraph20":"Check and close your WhatsApp Web sessions periodically. Activate the double authentication factor to keep your accounts protected.","noticia5SubTitle11":"6. End-to-end unencrypted payments","noticia5Paragraph21":"In some countries, WhatsApp has the option of direct payments from the application enabled and, although this functionality is not active in Ecuador at the moment, we provide you with information about this type of cybersecurity risk. Pay attention to our advice!","noticia5Paragraph22":"Do you remember the end-to-end encryption that WhatsApp applied to all conversations? This is a communication system that encrypts messages, allowing only the sender and receiver to see them. This security method basically ensures that you are not the victim of a man-in-the-middle attack. Now, let's get back to payments.","noticia5Paragraph23":"of purchases in Ecuador are made through WhatsApp. (CECE, 2020)","noticia5Paragraph24":"According to the security section of the official WhatsApp website, the payments function allows users to make transfers between bank accounts and other financial institutions. Although sensitive data such as card and account numbers are encrypted and stored on a security network, they cannot be end-to-end encrypted because banks need access to this information to process transactions. Can you imagine what can happen?","noticia5SubTitle12":"Our advice","noticia5Paragraph25":"Before starting a new chat, verify that it is end-to-end encrypted by opening the conversation with your contact and tapping on their profile. It also enables WhatsApp security notifications.","noticia5TitleTable3":"Remember that, if you are a victim of a cybercrime, the National Police recommends filing a complaint with the Citizen Services of the Prosecutor's Office.","noticia6Title":"Digital detoxification: what it is and how to get disconnected from technology","noticia6Paragraph":"Do you wake up and the first thing you do is check your cell phone? Are you going to sleep and the last thing you do is check your cell phone? Do you enter your social networks more than 10 times in less than 24 hours? You need a digital detox!","noticia6Paragraph1":"The excessive consumption of electronic devices and digital platforms can deteriorate your health. In this post we are going to explain everything about digital detoxification and how to do it.","noticia6Paragraph2":"In an age of hyper-scanning, multiscreening can be exhausting. While we work on the computer, we have conversations via WhatsApp. We get home and the first thing we do is turn on the TV while we catch up on everything we missed on Instagram or Facebook. We only disconnect when we sleep!","noticia6Paragraph3":"of Ecuadorian children between 12 and 14 years old already have an active Facebook profile. (INEC, 2019)","noticia6SubTitle":"What is digital detox","noticia6Paragraph4":"The detox or digital detoxification is a trend that refers to the process in which a person reduces the use of technological devices or cancels it completely, during a specific period of time. The main objective is to disconnect from the digital world to connect with the real world, family and friends. Sounds healthy right?","noticia6SubTitle1":"Why is a digital detox a good idea?","noticia6Paragraph5":"The speed with which life and daily activities go by means that we ignore the possible negative effects of excessive and constant use of technology. Although these new disorders have not yet been classified as mental health diseases, they have been recognized by doctors and experts. So if when reading the following list you feel identified, do not hesitate to start a digital detox.","noticia6SubTitle2":"Nomophobia","noticia6Paragraph6":"The no-mobile-phone phobia is an irrational fear of being left without a mobile device. It is also recognized as a withdrawal syndrome. If by forgetting this device at home you spend all day uncomfortable, worried and even anxious to return as soon as possible, then it is possible that you are suffering from this type of disorder.","noticia6SubTitle3":"Phubbing o Ningufoneo","noticia6Paragraph7":"In meetings with friends or family, do you spend time hooked on your cell phone and ignoring your surroundings? You may suffer from this 'no-go' or ignore the people you're with just because your device and digital platforms are more important to you. Are you noisy?","noticia6SubTitle4":"Technophilia","noticia6Paragraph8":"For those who suffer from technophilia, technological gadgets are their best company. This irrational passion can cause anxiety, anguish and stress when the person does not have their cell phone or computer, or when they cannot buy all the gadgets they would like to have.","noticia6SubTitle5":"Vibranxiety","noticia6Paragraph9":"Let's admit it, more than once we have felt the vibrations of the cell phone in the distance. When reviewing it, nothing, there is no notification. This phantom vibration is known as vibranxity or anxiety vibro. Another variant of this condition is the ringxiety or auditory illusion of hearing the cell phone ring.","noticia6SubTitle6":"Whatsappitis","noticia6Paragraph10":"If the computer mouse is the culprit of carpal tunnel syndrome, the cell phone is the culprit of WhatsApp, a type of tendinitis caused by excessive use and typing in apps like WhatsApp. The thumb and wrist are the most affected and you may need to visit a doctor for this condition.","noticia6SubTitle7":"Selfitis","noticia6Paragraph11":"The obsessive compulsive desire to take photos of yourself is known as selfitis. It can be dangerous to your health because behind a perfect photo, self-esteem problems and feelings of emptiness could be hidden. How many selfies have you posted on your social media lately?","noticia6SubTitle8":"Vamping","noticia6Paragraph12":"It is quite common that when turning off the lights and going to bed, the cell phone is checked just before sleeping. This bad practice is known as vamping and it can cause sleep disturbances since not only does it reduce the hours of rest, but the type of blue light emitted by the screens inhibits melatonin, a hormone that regulates sleep.","noticia6Paragraph13":"In addition to these new disorders, there are other conditions such as lack of concentration, stress, anguish, poor memory and muscle problems that, if not taken seriously, can significantly deteriorate health. They could even trigger more serious problems!","noticia6Paragraph14":"In these circumstances, digital detoxification is key to getting screen addictions out of your system. Let's see how you can start yours!","noticia6SubTitle9":"10 benefits of digital detox","noticia6TrParagraph":"Reduces fatigue, stress and helps improve sleep.","noticia6TrParagraph1":"Provides tranquility and a feeling of relaxation.","noticia6TrParagraph2":"Stimulates personal and work relationships.","noticia6TrParagraph3":"It helps you manage and reduce physical discomforts related to screen consumption.","noticia6TrParagraph4":"Improves concentration and creativity.","noticia6TrParagraph5":"It gives opportunity to self-knowledge and reflection.","noticia6TrParagraph6":"Decrease addiction to electronic devices.","noticia6TrParagraph7":"Brings more order to everyday life.","noticia6TrParagraph8":"It allows you to focus on pending projects.","noticia6TrParagraph9":"It makes you more aware of the importance of your privacy.","noticia6SubTitle10":"How to disconnect with digital detox","noticia6Paragraph15":"To do a digital detox you have two options: total disconnection or partial and diminished disconnection. The first would be perfect if you go on vacation and the second, for when you have to combine your work life with your personal life.","noticia6LiParagraph":"Set the period of time that you are going to do the detox, for example, one / two weeks, one month. It depends on you and how you feel.","noticia6LiParagraph1":"Set a goal for detox, for example, focus on a project, learn to let go of devices or take care of your health.","noticia6LiParagraph2":"Deactivate your social networks or, if it is not what you want, turn off notifications or delete apps while the detox lasts.","noticia6LiParagraph3":"You can turn off your phone and put it in a drawer, but if this is not possible, set notifications to receive only essential ones.","noticia6LiParagraph4":"Set a limited time each day to check the phone or use the computer and stick to it. Other than during meals, before sleeping or immediately upon waking up.","noticia6LiParagraph5":"Set the 'Do not disturb' mode or the airplane mode at the time of rest so that the devices do not interrupt your sleep.","noticia6LiParagraph6":"Practice activities that stimulate your creativity and provide you with peace of mind.","noticia6LiParagraph7":"If you want, start an exercise routine or a sport that you like.","noticia6LiParagraph8":"Take new airs and clear your mind taking walks in nature.","noticia6LiParagraph9":"Manage your activities the old-fashioned way, dust off the alarm clock and the printed calendar, write down your to-dos in a diary, read the newspaper.","noticia6LiParagraph10":"Start a personal diary, it will help you to express your thoughts and emotions, which we normally put on social networks.","noticia6LiParagraph11":"Visit a doctor if you think you need to solve a health problem.","noticia6LiParagraph12":"When you are about to finish the detox, define new rules for the use of your electronic devices. You don't want to relapse into the same excess as before!","noticia6SubTitle11":"Bonus","noticia6Paragraph16":"Next, we leave you a 15-day detox calendar with activities that you will love to try."},"routed":true,"originalPath":"/nosotros/","redirect":true}}},"staticQueryHashes":[]}