{"id":1673,"date":"2025-10-28T08:16:43","date_gmt":"2025-10-28T08:16:43","guid":{"rendered":"https:\/\/prostartfinancialconsulting.com\/?page_id=1673"},"modified":"2025-11-04T03:06:06","modified_gmt":"2025-11-04T03:06:06","slug":"descargo-de-responsabilidad","status":"publish","type":"page","link":"https:\/\/prostartfinancialconsulting.com\/en\/descargo-de-responsabilidad\/","title":{"rendered":"Disclaimer"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1673\" class=\"elementor elementor-1673\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-172fc37b e-con-full e-flex e-con e-parent\" data-id=\"172fc37b\" data-element_type=\"container\" data-e-type=\"container\" id=\"banner-primary\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5069fc01 e-con-full e-flex e-con e-child\" data-id=\"5069fc01\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-79f6541f e-con-full animated-slow e-flex elementor-invisible e-con e-parent\" data-id=\"79f6541f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-673d1ab elementor-widget elementor-widget-text-editor\" data-id=\"673d1ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div><h6><b>Last update:<\/b> November 1, 2025\u00a0<\/h6><p>In <strong>Prostart Financial Consulting LLC<\/strong> We believe that an informed consumer is a protected consumer. Our commitment is to give you access to your rights, whether you work with us or choose to do so on your own.<\/p><p>Here you will find a clear summary of the laws that protect you, official resources and agency contacts so that you always have control of your financial information.<\/p><\/div><div><h3><strong>What rights does the CROA (Credit Repair Organizations Act) give me?<\/strong><\/h3><ul><li aria-level=\"1\">You have the right to a\u00a0<b>written contract<\/b>\u00a0that clearly explains the services offered.<\/li><li aria-level=\"1\">You have the right to\u00a0<b>cancel the contract within the first 3 business days<\/b>, at no cost or penalty.<\/li><li aria-level=\"1\">You have the right to\u00a0<b>You won't be charged anything upfront<\/b>Payment is only made once the services have been completed.<\/li><\/ul><h3>\u00a0<\/h3><h3><b>What rights does the FCRA (Fair Credit Reporting Act) give me?<\/b><\/h3><ul><li aria-level=\"1\">Right to\u00a0<b>accuracy<\/b>Only accurate information should appear on your credit report.<\/li><li aria-level=\"1\">Right to\u00a0<b>privacy<\/b>Your credit information can only be shared with those who have a legitimate purpose.<\/li><li aria-level=\"1\">Right to\u00a0<b>correction<\/b>If you find errors, you have the right to dispute them and have them investigated.<\/li><\/ul><h3>\u00a0<\/h3><h3><strong>What rights does the FDCPA (Fair Debt Collection Practices Act) give me?<\/strong><\/h3><ul><li aria-level=\"1\">Debt collectors\u00a0<b>They can't harass you<\/b>\u00a0or call you at inappropriate times.<\/li><li aria-level=\"1\">They can't\u00a0<b>I won't threaten you or lie to you<\/b>\u00a0about the debt.<\/li><li aria-level=\"1\">You can demand that they communicate only in writing.<\/li><li aria-level=\"1\">You have the right to\u00a0<b>dispute a debt<\/b>\u00a0if you believe it is not valid.<\/li><\/ul><\/div><h3>\u00a0<\/h3><h3><b>How do I get my credit report for free?<\/b><\/h3><p>You have the right to\u00a0<b>a free annual report from each credit agency<\/b>.<br \/>The only official website authorized by the government is:<br \/><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f449.svg\" alt=\"\ud83d\udc49\" \/><a href=\"https:\/\/www.annualcreditreport.com\/\">\u00a0AnnualCreditReport.com<\/a><\/p><p><b>What is a fraud alert or a credit freeze?<\/b><\/p><ul><li aria-level=\"1\"><b>Fraud alert:<\/b>\u00a0Notify lenders to verify your identity before approving credit on your behalf.<\/li><li aria-level=\"1\"><b>Credit freeze:<\/b>\u00a0Lock your credit file so no one can open new accounts without your permission.<\/li><\/ul><p>You can request these services directly from the credit agencies:<\/p><ul><li aria-level=\"1\"><b>Equifax:<\/b>\u00a0equifax.com |\u00a0<img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f4de.svg\" alt=\"\ud83d\udcde\" \/>\u00a01-800-685-1111<\/li><li aria-level=\"1\"><b>Experian:<\/b>\u00a0experian.com |\u00a0<img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f4de.svg\" alt=\"\ud83d\udcde\" \/>\u00a01-888-397-3742<\/li><li aria-level=\"1\"><b>TransUnion:<\/b>\u00a0transunion.com |\u00a0<img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f4de.svg\" alt=\"\ud83d\udcde\" \/>\u00a01-800-916-8800<\/li><\/ul><p><b>Who can I contact if I have a complaint?<\/b><\/p><ul><li aria-level=\"1\"><b>CFPB (Consumer Financial Protection Bureau):<\/b>\u00a0protects financial consumers.<br \/><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f449.svg\" alt=\"\ud83d\udc49\" \/>\u00a0consumerfinance.gov<\/li><li aria-level=\"1\"><b>FTC (Federal Trade Commission):<\/b>\u00a0It regulates companies and protects against fraud.<br \/><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f449.svg\" alt=\"\ud83d\udc49\" \/>\u00a0ftc.gov<\/li><\/ul><p>In <strong>Prostart Financial Consulting LLC<\/strong> \u00a0we believe that:<\/p><p><i>\u201cAn informed consumer is our best customer.\u201d<\/i><\/p><p>We want you to know all your rights, whether you work with us or not. Our commitment is to transparency, education, and your financial growth.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\u00daltima actualizaci\u00f3n: 01 Noviembre 2025\u00a0 En Prostart Financial Consulting LLC creemos que un consumidor informado es un consumidor protegido. Nuestro compromiso es darte acceso a tus derechos, ya sea que trabajes con nosotros o decidas hacerlo por tu cuenta. Aqu\u00ed encontrar\u00e1s un resumen claro de las leyes que te protegen, recursos oficiales y contactos de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"disabled","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1673","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/prostartfinancialconsulting.com\/en\/wp-json\/wp\/v2\/pages\/1673","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prostartfinancialconsulting.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/prostartfinancialconsulting.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/prostartfinancialconsulting.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/prostartfinancialconsulting.com\/en\/wp-json\/wp\/v2\/comments?post=1673"}],"version-history":[{"count":16,"href":"https:\/\/prostartfinancialconsulting.com\/en\/wp-json\/wp\/v2\/pages\/1673\/revisions"}],"predecessor-version":[{"id":2022,"href":"https:\/\/prostartfinancialconsulting.com\/en\/wp-json\/wp\/v2\/pages\/1673\/revisions\/2022"}],"wp:attachment":[{"href":"https:\/\/prostartfinancialconsulting.com\/en\/wp-json\/wp\/v2\/media?parent=1673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}