{"id":398,"date":"2026-07-20T21:10:47","date_gmt":"2026-07-20T21:10:47","guid":{"rendered":"https:\/\/ciconia.org.es\/?page_id=398"},"modified":"2026-11-04T11:55:06","modified_gmt":"2026-11-04T09:55:06","slug":"income-share-agreement-isa","status":"publish","type":"page","link":"https:\/\/ciconia.org.es\/es\/income-share-agreement-isa\/","title":{"rendered":"ISA"},"content":{"rendered":"<div class=\"wp-block-cover alignfull ciconia-isa-cover\" style=\"margin-top:0;padding-top:21px;padding-right:5vw;padding-bottom:21px;padding-left:5vw\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-100 has-background-dim has-background-gradient\" style=\"background:linear-gradient(180deg,rgb(247,76,60) 39%,rgb(0,0,0) 39%,rgb(83,80,123) 39%,rgb(247,201,59) 39%)\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-8243f7ff wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-849c02b6 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group wp-container-content-9cfa9a5a is-layout-flow wp-container-core-group-is-layout-9efe8d97 wp-block-group-is-layout-flow\">\n<p class=\"has-text-align-left has-white-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\" style=\"font-size:clamp(76.201px, 4.763rem + ((1vw - 3.2px) * 7.484), 172px);font-style:normal;font-weight:700;letter-spacing:-10px;line-height:1;text-transform:uppercase\">isa <\/p>\n\n\n\n<h2 class=\"wp-block-heading has-palette-color-3-color has-text-color has-link-color wp-elements-2\" style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);padding-top:0;padding-bottom:0\">Invertir en potencial, compartir el \u00e9xito.<\/h2>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-palette-color-2-color has-text-color has-link-color wp-elements-3 wp-block-paragraph translation-block\">El <strong>Acuerdo de Participaci\u00f3n en los Ingresos<\/strong> (ISA, por sus siglas en ingl\u00e9s) es un modelo innovador de financiaci\u00f3n de la educaci\u00f3n que permite a personas talentosas acceder a oportunidades de aprendizaje de alta calidad y, al mismo tiempo, alinear las contribuciones financieras con el \u00e9xito profesional futuro.<\/p>\n\n\n\n<p class=\"has-palette-color-2-color has-text-color has-link-color wp-elements-4 wp-block-paragraph\">En lugar de exigir el pago tradicional de la matr\u00edcula antes del inicio del programa, el Acuerdo de Participaci\u00f3n en los Ingresos (ISA, por sus siglas en ingl\u00e9s) establece un compromiso compartido entre los participantes y Ciconia. Este modelo permite acceder al programa sin asumir un coste de matr\u00edcula por adelantado y vincula la contribuci\u00f3n del participante a su futura situaci\u00f3n laboral e ingresos. De este modo, se busca crear un modelo educativo m\u00e1s accesible y sostenible, en el que las contribuciones de quienes se benefician del programa ayuden a financiar oportunidades similares para futuras generaciones de participantes.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-6a3c3e9d\"><h2 class=\"uagb-heading-text\">Comprender el ISA<\/h2><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">El Acuerdo de Participaci\u00f3n en los Ingresos (ISA) es un acuerdo contractual entre Ciconia y los participantes del programa que establece las condiciones bajo las cuales estos contribuir\u00e1n al coste de su formaci\u00f3n. Esta contribuci\u00f3n solo comienza una vez que el participante ha alcanzado las condiciones laborales y de ingresos previamente establecidas en el acuerdo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El acuerdo establece de forma clara los derechos y responsabilidades de ambas partes, as\u00ed como las condiciones que regulan las contribuciones de los participantes. Esto incluye los requisitos para que se active la obligaci\u00f3n de contribuir, las obligaciones de informaci\u00f3n y seguimiento, la duraci\u00f3n del per\u00edodo de contribuci\u00f3n, los l\u00edmites m\u00e1ximos aplicables y las circunstancias en las que los pagos comienzan, se suspenden temporalmente o finalizan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cada Acuerdo de Participaci\u00f3n en los Ingresos (ISA) se entrega al participante antes de inscribirse en el programa. As\u00ed, el participante tendr\u00e1 tiempo para leerlo con calma, entender sus condiciones, hacer preguntas y aclarar cualquier duda antes de decidir si quiere firmarlo.<\/p>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-0c50d6b4\"><h2 class=\"uagb-heading-text\">\u00bfPor qu\u00e9 el modelo ISA?<\/h2><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">En Ciconia, creemos que la educaci\u00f3n debe ser accesible para personas con talento, determinaci\u00f3n y voluntad de crecer, no limitada \u00fanicamente por la capacidad financiera inmediata.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El Acuerdo de Participaci\u00f3n en los Ingresos refleja nuestro compromiso con la creaci\u00f3n de un ecosistema educativo sostenible donde se comparten las oportunidades y las responsabilidades. Al vincular las contribuciones financieras con el \u00e9xito profesional futuro, este modelo apoya tanto el desarrollo individual como la continuidad a largo plazo de los programas que benefician a los futuros participantes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Este enfoque fomenta una relaci\u00f3n duradera entre los graduados y la comunidad que apoy\u00f3 su trayectoria educativa, reforzando un ciclo de oportunidad, contribuci\u00f3n e impacto.<\/p>\n\n\n\n<div class=\"wp-block-uagb-restaurant-menu uagb-block-dc734a69 uagb-rm__desk-column-2 uagb-rm__tablet-column-2 uagb-rm__mobile-column-1\">\n<div class=\"wp-block-uagb-restaurant-menu-child uagb-rest_menu__wrap\"><div class=\"uagb-rm__content\"><img decoding=\"async\" class=\"\" src=\"https:\/\/ciconia.org.es\/wp-content\/uploads\/2026\/09\/Shared-Success-300x300.webp\" alt=\"\" width=\"100\" height=\"100\" loading=\"lazy\"\/><div class=\"uagb-rm-details\"><h4 class=\"uagb-rm__title\">\u00c9xito compartido<\/h4><div class=\"uagb-rm__desc\">Cuando los participantes tienen \u00e9xito profesional, ayudan a crear oportunidades para futuros participantes.<\/div><\/div><span class=\"uagb-rm__price\"><\/span><\/div><div class=\"uagb-rm__separator\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-restaurant-menu-child uagb-rest_menu__wrap\"><div class=\"uagb-rm__content\"><img decoding=\"async\" class=\"\" src=\"https:\/\/ciconia.org.es\/wp-content\/uploads\/2026\/09\/Shared-Responsibility-300x300.webp\" alt=\"\" width=\"100\" height=\"100\" loading=\"lazy\"\/><div class=\"uagb-rm-details\"><h4 class=\"uagb-rm__title\">Responsabilidad compartida<\/h4><div class=\"uagb-rm__desc\">El acuerdo equilibra la oportunidad con la responsabilidad mediante t\u00e9rminos claramente definidos.<\/div><\/div><span class=\"uagb-rm__price\"><\/span><\/div><div class=\"uagb-rm__separator\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-restaurant-menu-child uagb-rest_menu__wrap\"><div class=\"uagb-rm__content\"><img decoding=\"async\" class=\"\" src=\"https:\/\/ciconia.org.es\/wp-content\/uploads\/2026\/09\/Sustainable-Education-300x300.webp\" alt=\"\" width=\"100\" height=\"100\" loading=\"lazy\"\/><div class=\"uagb-rm-details\"><h4 class=\"uagb-rm__title\">Educaci\u00f3n sostenible<\/h4><div class=\"uagb-rm__desc\">Un modelo rotatorio que permite que cada generaci\u00f3n de graduados apoye a la siguiente.<\/div><\/div><span class=\"uagb-rm__price\"><\/span><\/div><div class=\"uagb-rm__separator\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-restaurant-menu-child uagb-rest_menu__wrap\"><div class=\"uagb-rm__content\"><img decoding=\"async\" class=\"\" src=\"https:\/\/ciconia.org.es\/wp-content\/uploads\/2026\/09\/Vision-300x300.webp\" alt=\"\" width=\"100\" height=\"100\" loading=\"lazy\"\/><div class=\"uagb-rm-details\"><h4 class=\"uagb-rm__title\">Transparencia<\/h4><div class=\"uagb-rm__desc\">Cada participante recibe el acuerdo completo y tiene la oportunidad de revisarlo antes de firmarlo.<\/div><\/div><span class=\"uagb-rm__price\"><\/span><\/div><div class=\"uagb-rm__separator\"><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-a9a48228\"><h2 class=\"uagb-heading-text\">How Does it Work?<\/h2><\/div>\n\n\n\n<div class=\"wp-block-cp-timeline-content-timeline Cool-Content-Timeline\"><div class=\"cool-timeline-block-80fe9fd3-df77-4b7b-ab7f-f3ae2878467f\"><style>.cool-timeline-block-80fe9fd3-df77-4b7b-ab7f-f3ae2878467f .cool-vertical-timeline-body{--ctlb-content-alignment: left;--ctlb-icon-color: #f2d115;}<\/style><div class=\"cool-vertical-timeline-body ctlb-wrapper one-sided left\"><div class=\"cool-timeline-block-list\">\n<div class=\"wp-block-cp-timeline-content-timeline-child swiper-slide\"><div class=\"timeline-content icon-false\"><div class=\"timeline-block-timeline ctl-row  position-right\"><div class=\"ctl-6 timeline-block-time\"><div class=\"story-time\"><p>Antes de unirse al programa<\/p><\/div><\/div><div class=\"timeline-block-icon\"><svg stroke=\"currentColor\" fill=\"currentColor\" stroke-width=\"0\" viewbox=\"0 0 512 512\" height=\"1em\" width=\"1em\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg><\/div><div class=\"ctl-6 timeline-block-detail\"><div class=\"story-details\"><div class=\"story-content\">\n<h3 class=\"wp-block-heading ctlb-block-title\" style=\"padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px\">Lea, revise y firme el acuerdo ISA.<\/h3>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cp-timeline-content-timeline-child swiper-slide\"><div class=\"timeline-content icon-false\"><div class=\"timeline-block-timeline ctl-row  position-left\"><div class=\"ctl-6 timeline-block-time\"><div class=\"story-time\"><p>Durante el programa<\/p><\/div><\/div><div class=\"timeline-block-icon\"><svg stroke=\"currentColor\" fill=\"currentColor\" stroke-width=\"0\" viewbox=\"0 0 512 512\" height=\"1em\" width=\"1em\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg><\/div><div class=\"ctl-6 timeline-block-detail\"><div class=\"story-details\"><div class=\"story-content\">\n<h3 class=\"wp-block-heading ctlb-block-title\" style=\"padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px\">\u00danete al programa y comienza a adquirir habilidades.<\/h3>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cp-timeline-content-timeline-child swiper-slide\"><div class=\"timeline-content icon-false\"><div class=\"timeline-block-timeline ctl-row  position-right\"><div class=\"ctl-6 timeline-block-time\"><div class=\"story-time\"><p>Durante\/Despu\u00e9s del programa<\/p><\/div><\/div><div class=\"timeline-block-icon\"><svg stroke=\"currentColor\" fill=\"currentColor\" stroke-width=\"0\" viewbox=\"0 0 512 512\" height=\"1em\" width=\"1em\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg><\/div><div class=\"ctl-6 timeline-block-detail\"><div class=\"story-details\"><div class=\"story-content\">\n<h3 class=\"wp-block-heading ctlb-block-title\" style=\"padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px\">Busca una plataforma para encontrar trabajo o encuentra tu propio trabajo y comienza a trabajar.<\/h3>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cp-timeline-content-timeline-child swiper-slide\"><div class=\"timeline-content icon-false\"><div class=\"timeline-block-timeline ctl-row  position-left\"><div class=\"ctl-6 timeline-block-time\"><div class=\"story-time\"><p>Despu\u00e9s del programa<\/p><\/div><\/div><div class=\"timeline-block-icon\"><svg stroke=\"currentColor\" fill=\"currentColor\" stroke-width=\"0\" viewbox=\"0 0 512 512\" height=\"1em\" width=\"1em\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg><\/div><div class=\"ctl-6 timeline-block-detail\"><div class=\"story-details\"><div class=\"story-content\">\n<h3 class=\"wp-block-heading ctlb-block-title\" style=\"padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px\">Alcanzar un umbral del salario m\u00ednimo seg\u00fan la normativa espa\u00f1ola.<\/h3>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cp-timeline-content-timeline-child swiper-slide\"><div class=\"timeline-content icon-false\"><div class=\"timeline-block-timeline ctl-row  position-right\"><div class=\"ctl-6 timeline-block-time\"><div class=\"story-time\"><p>Despu\u00e9s del programa<\/p><\/div><\/div><div class=\"timeline-block-icon\"><svg stroke=\"currentColor\" fill=\"currentColor\" stroke-width=\"0\" viewbox=\"0 0 512 512\" height=\"1em\" width=\"1em\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg><\/div><div class=\"ctl-6 timeline-block-detail\"><div class=\"story-details\"><div class=\"story-content\">\n<h3 class=\"wp-block-heading ctlb-block-title\" style=\"padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px\">Empiece a devolver el dinero al programa.<\/h3>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-c37493c6\"><h2 class=\"uagb-heading-text\">T\u00e9rminos gen\u00e9ricos de ISA<\/h2><\/div>\n\n\n\n<div class=\"wp-block-uagb-restaurant-menu uagb-block-07844866 uagb-rm__desk-column-2 uagb-rm__tablet-column-2 uagb-rm__mobile-column-1\">\n<div class=\"wp-block-uagb-restaurant-menu-child uagb-rest_menu__wrap\"><div class=\"uagb-rm__content\"><img decoding=\"async\" class=\"\" src=\"https:\/\/ciconia.org.es\/wp-content\/uploads\/2026\/09\/Contribution-Cap-300x300.webp\" alt=\"\" width=\"100\" height=\"100\" loading=\"lazy\"\/><div class=\"uagb-rm-details\"><h4 class=\"uagb-rm__title\">L\u00edmite de contribuci\u00f3n<\/h4><div class=\"uagb-rm__desc translation-block\">El l\u00edmite de aportaci\u00f3n se <strong>define por cohorte<\/strong> y por participante.<\/div><\/div><span class=\"uagb-rm__price\"><\/span><\/div><div class=\"uagb-rm__separator\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-restaurant-menu-child uagb-rest_menu__wrap\"><div class=\"uagb-rm__content\"><img decoding=\"async\" class=\"\" src=\"https:\/\/ciconia.org.es\/wp-content\/uploads\/2026\/09\/Contribution-Rate-300x300.webp\" alt=\"\" width=\"100\" height=\"100\" loading=\"lazy\"\/><div class=\"uagb-rm-details\"><h4 class=\"uagb-rm__title\">Tasa de contribuci\u00f3n<\/h4><div class=\"uagb-rm__desc translation-block\">El participante paga hasta el <strong>13 %<\/strong> de sus ingresos <strong>mensuales<\/strong>.<\/div><\/div><span class=\"uagb-rm__price\"><\/span><\/div><div class=\"uagb-rm__separator\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-restaurant-menu-child uagb-rest_menu__wrap\"><div class=\"uagb-rm__content\"><img decoding=\"async\" class=\"\" src=\"https:\/\/ciconia.org.es\/wp-content\/uploads\/2026\/09\/Eligible-income-300x300.webp\" alt=\"\" width=\"100\" height=\"100\" loading=\"lazy\"\/><div class=\"uagb-rm-details\"><h4 class=\"uagb-rm__title\">Ingresos elegibles<\/h4><div class=\"uagb-rm__desc translation-block\">Una vez que tus ingresos alcancen al menos <strong>1.200 \u20ac<\/strong> al mes, comenzar\u00e1s a realizar tus pagos seg\u00fan las condiciones establecidas en el acuerdo.<\/div><\/div><span class=\"uagb-rm__price\"><\/span><\/div><div class=\"uagb-rm__separator\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-restaurant-menu-child uagb-rest_menu__wrap\"><div class=\"uagb-rm__content\"><img decoding=\"async\" class=\"\" src=\"https:\/\/ciconia.org.es\/wp-content\/uploads\/2026\/09\/Contribution-Duration-300x300.webp\" alt=\"\" width=\"100\" height=\"100\" loading=\"lazy\"\/><div class=\"uagb-rm-details\"><h4 class=\"uagb-rm__title\">Duraci\u00f3n de la contribuci\u00f3n<\/h4><div class=\"uagb-rm__desc translation-block\">El acuerdo se extiende por una duraci\u00f3n de hasta <strong>13 a\u00f1os<\/strong><\/div><\/div><span class=\"uagb-rm__price\"><\/span><\/div><div class=\"uagb-rm__separator\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-restaurant-menu-child uagb-rest_menu__wrap\"><div class=\"uagb-rm__content\"><img decoding=\"async\" class=\"\" src=\"https:\/\/ciconia.org.es\/wp-content\/uploads\/2026\/09\/Payment-reaccurance-300x300.webp\" alt=\"\" width=\"100\" height=\"100\" loading=\"lazy\"\/><div class=\"uagb-rm-details\"><h4 class=\"uagb-rm__title\">Frecuencia de pago<\/h4><div class=\"uagb-rm__desc translation-block\">El participante realiza su contribuci\u00f3n <strong>mensualmente<\/strong>, de acuerdo con el porcentaje establecido en el acuerdo.<\/div><\/div><span class=\"uagb-rm__price\"><\/span><\/div><div class=\"uagb-rm__separator\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-restaurant-menu-child uagb-rest_menu__wrap\"><div class=\"uagb-rm__content\"><img decoding=\"async\" class=\"\" src=\"https:\/\/ciconia.org.es\/wp-content\/uploads\/2026\/09\/Early-Completion-300x300.webp\" alt=\"\" width=\"100\" height=\"100\" loading=\"lazy\"\/><div class=\"uagb-rm-details\"><h4 class=\"uagb-rm__title\">Finalizaci\u00f3n anticipada<\/h4><div class=\"uagb-rm__desc\">Puedes liquidar el saldo de la aportaci\u00f3n durante el per\u00edodo de vigencia de la misma. <em>No se aplican descuentos.<\/em><\/div><\/div><span class=\"uagb-rm__price\"><\/span><\/div><div class=\"uagb-rm__separator\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-restaurant-menu-child uagb-rest_menu__wrap\"><div class=\"uagb-rm__content\"><img decoding=\"async\" class=\"\" src=\"https:\/\/ciconia.org.es\/wp-content\/uploads\/2026\/09\/Geographical-Application-300x300.webp\" alt=\"\" width=\"100\" height=\"100\" loading=\"lazy\"\/><div class=\"uagb-rm-details\"><h4 class=\"uagb-rm__title\">Aplicabilidad geogr\u00e1fica<\/h4><div class=\"uagb-rm__desc translation-block\">El acuerdo es v\u00e1lido en todas las regiones del <strong>Uni\u00f3n Europea<\/strong>.<\/div><\/div><span class=\"uagb-rm__price\"><\/span><\/div><div class=\"uagb-rm__separator\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-restaurant-menu-child uagb-rest_menu__wrap\"><div class=\"uagb-rm__content\"><img decoding=\"async\" class=\"\" src=\"https:\/\/ciconia.org.es\/wp-content\/uploads\/2026\/09\/Suspension--300x300.webp\" alt=\"\" width=\"100\" height=\"100\" loading=\"lazy\"\/><div class=\"uagb-rm-details\"><h4 class=\"uagb-rm__title\">Condiciones de suspensi\u00f3n<\/h4><div class=\"uagb-rm__desc\">Cualquier pausa o suspensi\u00f3n de los pagos deber\u00e1 ser comunicada y acordada previamente con el equipo de Ciconia.<\/div><\/div><span class=\"uagb-rm__price\"><\/span><\/div><div class=\"uagb-rm__separator\"><\/div><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ (Preguntas frecuentes)<\/h2>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-3170a958 uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-false uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height\" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-5850a036\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>\u00bfUna cuenta ISA es un pr\u00e9stamo?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Un acuerdo de participaci\u00f3n en los ingresos no es un pr\u00e9stamo tradicional. No genera una deuda fija que deba reembolsarse independientemente de su situaci\u00f3n financiera. En cambio, su contribuci\u00f3n se determina seg\u00fan los t\u00e9rminos del acuerdo y solo se aplica cuando se cumplen las condiciones pactadas.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-2d3b862d\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>\u00bfQui\u00e9n firma el acuerdo?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>El Acuerdo de Participaci\u00f3n en los Ingresos es firmado tanto por el participante como por nuestro socio ISA antes de la inscripci\u00f3n. Al firmar, ambas partes reconocen y aceptan los derechos, responsabilidades y obligaciones descritos en el acuerdo.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-ffd82092\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>\u00bfCu\u00e1ndo entra en vigor el acuerdo?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>El acuerdo adquiere efectos jur\u00eddicos una vez que ha sido firmado por ambas partes. Sin embargo, las obligaciones de contribuci\u00f3n s\u00f3lo ser\u00e1n aplicables cuando se hayan cumplido las condiciones espec\u00edficas definidas en el acuerdo.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-8f47b51d\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>\u00bfQu\u00e9 sucede si mis ingresos cambian?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Sus obligaciones siempre se rigen por los t\u00e9rminos de su Acuerdo de Participaci\u00f3n en los Ingresos. Si sus ingresos cambian, su contribuci\u00f3n se ver\u00e1 reflejada y los dem\u00e1s t\u00e9rminos del acuerdo se ver\u00e1n afectados por dicho cambio.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-10edb6cc\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>\u00bfSe puede transferir el acuerdo?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>No. El Acuerdo de Participaci\u00f3n en los Ingresos es un contrato personal entre Ciconia y el participante. No puede ser transferido, cedido ni heredado por otra persona, salvo que lo permitan expresamente la ley aplicable y los t\u00e9rminos del acuerdo.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-a5b5b8da\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>\u00bfC\u00f3mo se resuelven las disputas?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Ciconia se compromete a resolver las inquietudes mediante la comunicaci\u00f3n abierta y el di\u00e1logo de buena fe siempre que sea posible. Si una disputa no puede resolverse de manera informal, se tramitar\u00e1 de acuerdo con los procedimientos de resoluci\u00f3n de disputas y la legislaci\u00f3n aplicable estipulados en el acuerdo.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-8932c683\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>\u00bfPuedo revisar el acuerdo antes de firmarlo?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Por supuesto. Todos los solicitantes reciben el Acuerdo de Participaci\u00f3n en los Ingresos completo antes de asumir cualquier compromiso. Recomendamos a todos los participantes que lean el documento detenidamente, hagan preguntas y, si lo desean, busquen asesoramiento independiente antes de firmar. <br>Ciconia celebrar\u00e1 una sesi\u00f3n especial con antelaci\u00f3n para la firma del acuerdo, en la que se describir\u00e1n todos los t\u00e9rminos y condiciones del mismo, y habr\u00e1 tiempo para preguntas y respuestas.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-5585a7ed\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>\u00bfSe cobra alg\u00fan inter\u00e9s sobre el l\u00edmite de aportaci\u00f3n?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p class=\"translation-block\">No. Solo est\u00e1 obligado a pagar hasta el l\u00edmite de aportaci\u00f3n acordado. No se aplican intereses, comisiones ni cargos adicionales por encima de esa cantidad. Una vez que alcance el l\u00edmite de aportaci\u00f3n, su obligaci\u00f3n de reembolso quedar\u00e1 totalmente saldada.<\/p><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Understanding the ISA The Income Share Agreement is a contractual arrangement between Ciconia and participating learners that defines the terms under which participants contribute toward the cost of their education after achieving predefined financial conditions. The agreement establishes clear rights and responsibilities for both parties, including eligibility for contributions, reporting obligations, contribution periods, applicable limits, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","_zipai_imported":false,"_zipai_import_id":"","footnotes":""},"class_list":["post-398","page","type-page","status-publish","hentry"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":8}},"spectra_blocks_featured_image_url":null,"spectra_blocks_author_info":{"display_name":"ayman.hannoun@gmail.com","avatar_url":"https:\/\/ciconia.org.es\/wp-content\/litespeed\/avatar\/13ecf5b0f18793d7ebf46bec98438047.jpg?ver=1793809018","author_link":"https:\/\/ciconia.org.es\/es\/author\/ayman-hannoungmail-com\/","description":""},"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"trp-custom-language-flag":false},"uagb_author_info":{"display_name":"ayman.hannoun@gmail.com","author_link":"https:\/\/ciconia.org.es\/es\/author\/ayman-hannoungmail-com\/"},"uagb_comment_info":0,"uagb_excerpt":"Understanding the ISA The Income Share Agreement is a contractual arrangement between Ciconia and participating learners that defines the terms under which participants contribute toward the cost of their education after achieving predefined financial conditions. The agreement establishes clear rights and responsibilities for both parties, including eligibility for contributions, reporting obligations, contribution periods, applicable limits,&hellip;","_links":{"self":[{"href":"https:\/\/ciconia.org.es\/es\/wp-json\/wp\/v2\/pages\/398","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ciconia.org.es\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ciconia.org.es\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ciconia.org.es\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ciconia.org.es\/es\/wp-json\/wp\/v2\/comments?post=398"}],"version-history":[{"count":38,"href":"https:\/\/ciconia.org.es\/es\/wp-json\/wp\/v2\/pages\/398\/revisions"}],"predecessor-version":[{"id":1459,"href":"https:\/\/ciconia.org.es\/es\/wp-json\/wp\/v2\/pages\/398\/revisions\/1459"}],"wp:attachment":[{"href":"https:\/\/ciconia.org.es\/es\/wp-json\/wp\/v2\/media?parent=398"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}