Póliza de Seguro de Crédito Interno “Globalliance”

POLIZA DE SEGURO DE CREDITO
INTERNO 1GLOBALLIANCE3
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CONDICIONES GENERALES
Les rogamos tengan en cuenta que:
a) los términos en negritaHVW¼QGHƬQLGRVGHODS¼JLQDDODS¼JLQD
b) ORVYDORUHVFRUUHVSRQGLHQWHVDORVWÄUPLQRVHQFXUVLYDTXHGDQHVSHFLƬFDGRVHQODV'LVSRVLFLRQHV3DUWLFXODUHV
INDICE
1 > AMPAROS Y EXCLUSIONES
3¼JLQD
2 - GESTION DEL RIESGO
3¼JLQD
3 - INDEMNIZACION
3¼JLQD
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4 - TRANSMISION DEL DERECHO DE INDEMNIZACION
Y CESION DE CREDITOS
3¼JLQD
5 - PRIMAS Y GASTOS ANEXOS
3¼JLQD
6 - OBLIGACION DE INFORMACION
3¼JLQD
7 - DERECHO DE CONTROL
3¼JLQD
8 > CUMPLIMIENTO DE LAS CONDICIONES DEL CONTRATO
DE SEGURO POR PARTE DEL ASEGURADO
3¼JLQD
9 - DEFINICIONES
3¼JLQD
01-02-2007-1317-P-20-CRE-01C
1
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1 - AMPARO Y EXCLUSIONES
1.1. AMPARO
/$35(6(17(3®/,=$&8%5($/$6(*85$'2325/26 CRÉDITOS12,038*1$'265(/$7,926$9(17$6'(0(5&$1&¨$6235(67$&,21(6'(6(59,&,26%$-2/$6&21',&,21(6
(67$%/(&,'$6(1(/&$032'($3/,&$&,®1'(/&2175$7248((67œ1'(7(50,1$'$6
(1/$6&21',&,21(63$57,&8/$5(6'((67$3®/,=$<'(1752'(/266,*8,(17(6/¨0,7(6
1)3$5$/$69(17$6'(0(5&$1&¨$66,(035(<&8$1'2/$60(5&$1&¨$6
+$<$16,'2ENTREGADAS,
2)3$5$/$635(67$&,21(6'(6(59,&,260,(175$66(+$<$15($/,=$'2
35(67$&,21(648((67$%/(&(1'(5(&+2'(&2%52
<(1/$0(','$(148(/$ENTREGA2/$35(67$&,®1+$<$6,'25($/,=$'$'85$17((/3(5,2'2'(9,*(1&,$'(/&2175$72'(6(*8526</$6)$&785$65(/$7,9$6$
(67$623(5$&,21(6+$<$16,'25(0,7,'$6$/&/,(17('(1752DEL PLAZO MÁXIMO DE
FACTURACIÓN(67$%/(&,'2(1/$6&21',&,21(63$57,&8/$5(6'(/$3®/,=$
1.2. EXCLUSIONES
1.2.1(/35(6(17(&2175$7212(6$3/,&$%/($/26CONTRATOS DE COMPRA
VENTA &21&/8,'26&21813$57,&8/$52&2181$62&,('$'9,1&8/$'$
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1.2.2.(/35(6(17(&2175$7212(6$3/,&$%/($/26CONTRATOS DE COMPRAVENTA2%-(72'(3$*2
a)$17(6'(/$ENTREGA
b)3250(',2'(81&5(',72'2&80(17$5,2,55(92&$%/(<&21
),50$'232581%$1&2'(683$,6
1.2.3.(/&2175$7212*$5$17,=$/$63¤5','$6
a)48(62%5(3$6(1(/,03257('(/'(6&8%,(572*$5$17,=$'2
b)48(12&803/$1/$6&21',&,21(6$&25'$'$6(1/$&255(6321',(1
7(&/$6,),&$&,®1
c)5(/$7,9$6$(175(*$6235(67$&,21(6'(6(59,&,265($/,=$'$6
'(638¤6'(815(&+$=2281$&$1&(/$&,®1'(/$&/$6,),&$&,®162
%5((/&/,(17(
d)5(/$7,9$6$(175(*$6235(67$&,21(6'(6(59,&,265($/,=$'$6
&21
01-02-2007-1317-P-20-CRE-01C
2
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81&/,(17(48(+$6,'227(1'5¨$48(+$%(56,'22%-(72'(81$'(&/$
5$&,®1'(INFORMACIÓN NEGATIVA2'(AMENAZA DE SINIESTRO0,(1
75$6(/CRÉDITO6,*8(,03$*$'2
81&/,(17(48(6((1&8(175$(16,78$&,®1'( INSOLVENCIA DE DERECHO35(9,$0(17(&212&,'$325(/$6(*85$'2
e)'(%,'$6$/,1&803/,0,(1723253$57('(/$6(*85$'226860$1'$7$
5,26'(81$&/œ868/$2&21',&,®1'(/CONTRATO DE COMPRAVENTA,
f)(1&$62'(VENTA AL CONTADO CONTRA ENTREGA DE DOCUMENTOS,
'(%,'$6$/$3¤5','$'(&21752/'(/$60(5&$1&¨$6&202&216(&8(1 &,$'(81$,12%6(59$1&,$3253$57('(/$6(*85$'2'(/$65(*/$6<
8626
g)5(/$7,9$6$ENTREGAS235(67$&,21(6'(6(59,&,2()(&78$'$66,1/$6
$8725,=$&,21(61(&(6$5,$620œ6*(1(5$/0(17(,1&803/,(1'2&21
&8$/48,(5/(<21250$7,9$$3/,&$%/(
h)48(5(68/7$1',5(&7$2,1',5(&7$0(17('(
&8$/48,(5)(1®0(1218&/($5&8$/48,(5$48(6($6825,*(1
81$*8(55$'(&/$5$'$212(175('2620œ63$¨6(6'(/$6, *8,(17(/,67$(67$'2681,'26'($0¤5,&$)('(5$&,®1'(586,$
)5$1&,$5(,1281,'2<5(3µ%/,&$3238/$5'(&+,1$
i)&255(6321',(17(6$,17(5(6(6'(025$3(1$/,'$'(62'$¬26<3(5-8,
&,26
j) 48(5(68/7$1'(
CONTRATOS DE COMPRAVENTA&21&/8,'26&216(59,&,26*8%(5
1$0(17$/(6<$8725,'$'(6/2&$/(6
81$'(&,6,®1720$'$325(/*2%,(512'(&2/20%,$48(,03, '(/$(-(&8&,®1'(/ CONTRATO DE COMPRAVENTA2(/3$*2'(/
CRÉDITO
k)(1&$62'( INSOLVENCIA DE DERECHO'(/&/,(17(6,(/CREDITO'(/ $6(*85$'212(6$'0,7,'2(1(/3$6,92'((67(8/7,02
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2 - GESTION DEL RIESGO POR PARTE DEL ASEGURADO
2.1. Principios generales
(O$6(*85$'2GHEHHQHOPDUFRGHVXVQHJRFLRV\HQSDUWLFXODUFXDQGRFRQFHGHXQFUÄGLWRD
XQFOLHQWHWDQWRHQORTXHVHUHƬHUHDOLPSRUWHFRPRDODGXUDFLÎQGHFUÄGLWRDFRUGDGRVREVHUYDUODGLOLJHQFLD\SUXGHQFLDTXHVHJXLUÈDGHQRHVWDUDVHJXUDGR'HEHWDPELÄQYHODUSRUOD
SUHVHUYDFLÎQGHVXVGHUHFKRVWDQWRUHVSHFWRDVXFOLHQWHFRPRDWHUFHUDVSHUVRQDV
$GHP¼VVDOYRDFXHUGRHVFULWRHQWUHOD$6(*85$'25$\HO$6(*85$'2ÄVWHGHEHVRSRUWDUDVX
FDUJRH[FOXVLYRWRGDIUDFFLÎQGHULHVJRTXHQRHVWÄJDUDQWL]DGDSRUHVWDSÎOL]D
01-02-2007-1317-P-20-CRE-01C
3
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2.2. Duración del crédito
2.2.1./DGXUDFLÎQGHOFUÄGLWRTXHHO$6(*85$'2FRQFHGHDFDGDXQRGHVXVFOLHQWHVQR
GHEHVREUHSDVDUODGXUDFLÎQP¼[LPDGHOFUÄGLWRHVWDEOHFLGDHQODVFRQGLFLRQHV3DUWLFXOD
UHVGHODSÎOL]D
2.2.2.(O$6(*85$'2SXHGHFRQFHGHUXQDRYDULDVSUÎUURJDVGHYHQFLPLHQWRHQODPHGL
GDHQTXHODGXUDFLÎQWRWDOGHOFUÄGLWRFRQFHGLGRKDELGDFXHQWDGHODVSUÎUURJDVQR
VREUHSDVHODGXUDFLÎQP¼[LPDGHOFUÄGLWRHVWDEOHFLGDHQODV&RQGLFLRQHV3DUWLFXOD
UHVGHOD3ÎOL]D
2.2.3.(O$6(*85$'2GHEHREWHQHUHOFRQVHQWLPLHQWRSUHYLRGHOD$6(*85$'25$SDUD
SURUURJDUXQYHQFLPLHQWR
a)VLHOYHQFLPLHQWRSURUURJDGRLPSOLFDUHEDVDUODGXUDFLÎQP¼[LPDGHOFUÄGLWRHVWD
EOHFLGRHQODVFRQGLFLRQHV3DUWLFXODUHVGHOD3ÎOL]D
b)VLOD$6(*85$'25$KDFDQFHODGRODFODVLƬFDFLÎQVREUHHOFOLHQWH
c)VLHOFOLHQWHKDVLGRREMHWRRKXELHVHWHQLGRTXHVHUREMHWRGHXQDGHFODUDFLÎQGH
amenaza de siniestro.
2.3. Declaración de informaciones negativas o amenazas de siniestros
El ASEGURADOGHEHU¼QRWLƬFDUDOD$6(*85$'25$SRUHVFULWR
a) en cuanto tenga conocimiento de cualquier información negativaVREUHVXFOLHQ
WHWDQSURQWRKD\DVLGRLQIRUPDGRTXHHOFOLHQWHVHKDOODHQXQFDVRGHinsolvencia
de derecho
FGHQWURGHOSOD]RGHGHFODUDFLÎQGHDPHQD]DGHVLQLHVWURGHWRGRFUÄGLWRTXHVL
JXHLPSDJDGR(QFDVRGHventa al contado contra entrega de documentosGHEH
UHPLWLUDOD$6(*85$'25$GHFODUDFLÎQGHamenaza de siniestro HQHOSOD]RGH
GÈDVDSDUWLUGHODIHFKDHQTXHORVGRFXPHQWRV\ODVPHUFDQFÈDVKDQOOHJDGRDVXGHV
WLQR
G,QPHGLDWDPHQWHGHFXDOTXLHUFREURRDERQRUHFLELGRFRQSRVWHULRULGDGDOHQYÈR
GHODGHFODUDFLÎQGHamenaza de siniestro.
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2.4. Medidas a tomar en caso de amenaza de siniestro
(Q FDVR GH amenaza de siniestro HO $6(*85$'2 GHEH DGRSWDU D LQLFLDWLYD VX\D R VLJXLHQGR
ODVLQVWUXFFLRQHVGHOD$6(*85$'25$WRGDPHGLGDÕWLOSDUDSUHYHQLUHOVLQLHVWURRUHGXFLUVXV
HIHFWRV,JXDOPHQWHGHEHHQHOPRPHQWRRSRUWXQRWRPDUODVPHGLGDVQHFHVDULDVSDUDODVDOYDJXDUGLD\ODHMHFXFLÎQGHVXVGHUHFKRVRGHORVGHUHFKRVGHOD$6(*85$'25$Rgarantías\SDUD
HOFREURGHOcréditoSXGLÄQGRVHLQFOXLUODUHYHQWDGHODVPHUFDQFÈDV
01-02-2007-1317-P-20-CRE-01C
4
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3 - INDEMNIZACION
3.1. Importe de la indemnización
(OLPSRUWHGHODLQGHPQL]DFLÎQFRUUHVSRQGHDOcrédito netoKDVWDHOOÈPLWHGHOYDORUGHODFODVLƬFDFLÎQPXOWLSOLFDGRSRUHOporcentaje de coberturaHVWDEOHFLGRHQODV&RQGLFLRQHV3DUWLFXODUHV
GHOD3ÎOL]D
3.2. Condiciones de la indemnización
(OSDJRGHWRGDLQGHPQL]DFLÎQSUHVXSRQHTXHHO$6(*85$'2KD\DFXPSOLGRWRGDVODVFRQGLFLRQHVSUHYLVWDVHQHOFRQWUDWR\TXHKD\DUHPLWLGRDOD$6(*85$'25$WRGRVORVGRFXPHQWRV
MXVWLƬFDWLYRV GHO FUÄGLWR \ FXDQGR SURFHGD GH OD insolvencia de derecho GHO FOLHQWH \ GH ODV
JDUDQWÈDVDTXHHVWXYLHVHVXSHGLWDGDODFODVLƬFDFLÎQ
3.3. Subrogación
(OSDJRGHXQDLQGHPQL]DFLÎQWLHQHSRUUHVXOWDGRTXHOD$6(*85$'25$VHVXEURJDHQWRGRV
ORVGHUHFKRV\DFFLRQHVVREUHHOLPSRUWHSULQFLSDOORVLQWHUHVHV\DFFHVRULRVGHOcrédito garanWL]DGR(O$6(*85$'2VHFRPSURPHWHDHQWUHJDUDOD$6(*85$'25$WRGRVORVGRFXPHQWRVR
WÈWXORVTXHOHSHUPLWDQHOHMHUFLFLRHIHFWLYRGHHVWDVXEURJDFLÎQ\SURFHGHUDFXDOTXLHUFHVLÎQR
WUDQVPLVLÎQDIDYRUGHHOOD$SHVDUGHODVXEURJDFLÎQHO$6(*85$'2HVW¼REOLJDGRDWRPDUODV
PHGLGDVQHFHVDULDVSDUDHOUHFREURGHORVcréditos\DVHJXLUODVLQVWUXFFLRQHVTXHSDUDWDOHIHFWR
OHLPSDUWDOD$6(*85$'25$
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3.4.Créditos discutidos
(QFDVRGHcontroversia concerniente al créditoODHIHFWLYLGDGGHODSÎOL]DVHDSOD]DKDVWDTXH
VXVGHUHFKRVKD\DQVLGRUHFRQRFLGRVSRUXQDGHFLVLÎQDUELWUDORMXGLFLDOGHƬQLWLYD\HMHFXWRULDHQ
HOSDÈVGHOFOLHQWH
3.5. Reembolso de la indemnización
(O$6(*85$'2DXWRUL]DGHVGH\DDOD$6(*85$'25$SDUDUHFODPDUOHDO$6(*85$'2HOUHHPEROVRGHODLQGHPQL]DFLÎQSDJDGDVLUHVXOWDTXHÄVWDQRWHQGUÈDTXHKDEHUVLGROLTXLGDGDDWHQRU
GHOFRQWUDWRGHVHJXURV
3.6. Límite pago
/DHIHFWLYLGDGGHODSÎOL]DQRSXHGHGDUOXJDUHQUHODFLÎQDOFRQMXQWRGHcréditos nacidos en el
WUDQVFXUVRGHXQPLVPRHMHUFLFLRGHVHJXURDXQSDJRVXSHULRUDOlímite de pago
01-02-2007-1317-P-20-CRE-01C
5
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4 - TRANSMISION DEL DERECHO DE INDEMNIZACION Y CESION
DE CREDITOS
(O$6(*85$'2WLHQHODSRVLELOLGDGGHWUDQVPLWLUVXGHUHFKRGHLQGHPQL]DFLÎQDXQWHUFHUR
VLHPSUH\FXDQGROD$6(*85$'25$ORDFHSWHSRUHVFULWRSUHYLDPHQWH(VWDWUDQVPLVLÎQQROH
OLEHUDGHQLQJXQDGHODVREOLJDFLRQHVFRQWUDFWXDOHVGHO$6(*85$'2SDUDFRQOD$6(*85$'25$
$VLPLVPRHOEHQHƬFLDULRGHHVWDWUDQVPLVLÎQQRSRGU¼SUHWHQGHUREWHQHUP¼VGHUHFKRVGHORV
TXHHO$6(*85$'2GHWHQWD/RVGHUHFKRVGHOD$6(*85$'25$QRVHU¼QQXQFDSHUMXGLFDGRV
SRUGLFKDWUDQVPLVLÎQ
6LHPSUHTXHH[LVWDXQDWUDQVPLVLÎQGHOGHUHFKRGHLQGHPQL]DFLÎQFRPRHVW¼SUHYLVWRHQHOS¼UUDIRDQWHULRUWLHQHQODSRVLELOLGDGGHFHGHUVXVFUÄGLWRVDODHQWLGDGƬQDQFLHUDTXHVHEHQHƬFLD
GHÄVWD
5 - PRIMAS Y GASTOS ANEXOS
&XDOTXLHUFDQWLGDGGHELGDDWÈWXORGHOSUHVHQWHFRQWUDWRGHEHVHUSDJDGDDOYHQFLPLHQWRSUHYLVWR
\HO$6(*85$'2QRSXHGHDOHJDUXQDFRPSHQVDFLÎQSDUDDSOD]DUSDJRDOJXQRDXQFXDQGROD
$6(*85$'25$VHUHFRQRFLHUDGHXGRUGHXQDLQGHPQL]DFLÎQGHVLQLHVWUR
/DPHUDSHUFHSFLÎQGHODSULPDSRUSDUWHGHOD$6(*85$'25$QRODREOLJDDDVXPLUXQVLQLHVWUR
HO VLQLHVWUR HQ WRGR FDVR TXHGD VRPHWLGR D ODV FRQGLFLRQHV JHQHUDOHV \ SDUWLFXODUHV GH HVWH
FRQWUDWRGHVHJXURV
6 - OBLIGACION DE INFORMACIÓN
tu compañía siempre
(O$6(*85$'2GHEHLQIRUPDUDOD$6(*85$'25$HQXQSOD]RGHGÈDVK¼ELOHVVREUH
FXDOTXLHUPRGLƬFDFLÎQVLJQLƬFDWLYDHQODVLQIRUPDFLRQHVFRQWHQLGDVHQODVROLFLWXGGHOFRQWUDWR
GH VHJXURV \ HVSHFLDOPHQWH DTXÄOODV UHODWLYDV D OD QDWXUDOH]D GH VX DFWLYLGDG R D VX VLWXDFLÎQ
MXUÈGLFD
(QFDVRGHTXHODVRFLHGDGDVHJXUDGDVHKDOODVHHQHVWDGRGHinsolvencia de derecho o cese en
VXDFWLYLGDGODDVHJXUDGRUDVHUHVHUYDHOGHUHFKRGHUHYRFDUHOFRQWUDWRGHVHJXURVGDQGRQRWLFLDHVFULWDDO$6(*85$'2FRQSRUORPHQRVGLH]GÈDVGHDQWHODFLÎQFRQWDGRVDSDUWLUGHODIHFKD
GHOHQYÈR
7 - DERECHO DE CONTROL
6LHPSUHTXHOD$6(*85$'25$ORVROLFLWHHO$6(*85$'2VHFRPSURPHWHDIDFLOLWDUHOHMHUFLFLR
GHOGHUHFKRGHFRQWURODFRPXQLFDUWRGRGRFXPHQWRUHODWLYRDVXVcontratos de compraventa,
DDSRUWDUFRSLDVFHUWLƬFDGDVFRQIRUPHV\DDXWRUL]DUSDUDKDFHUWRGRWLSRGHFRPSUREDFLRQHV
HVSHFLDOPHQWHHQORTXHVHUHƬHUHDODYHUDFLGDG\H[DFWLWXGGHVXVGHFODUDFLRQHVDVÈFRPRDO
FXPSOLPLHQWRGHVXVREOLJDFLRQHV
01-02-2007-1317-P-20-CRE-01C
6
tu compañía siempre
8 > CUMPLIMIENTO DE LAS CONDICIONES DEL CONTRATO DE
SEGUROS POR PARTE DEL ASEGURADO.
8.1.3$*2'(/$35,0$(O$6(*85$'2 HVW¼REOLJDGRDOSDJRGHODSULPDGHQWURGHORVGÈDV
VLJXLHQWHV D OD UHFHSFLÎQ GH XQ UHTXHULPLHQWR GH SDJR SRU SDUWH GH OD $6(*85$'25$ HO QR
SDJRGHODSULPDSURGXFLU¼ODWHUPLQDFLÎQDXWRP¼WLFDGHOFRQWUDWRGHVHJXURV\GDU¼GHUHFKRVD
OD$6(*85$'25$SDUDH[LJLUHOSDJRGHODSULPDGHYHQJDGD\GHORVJDVWRVFDXVDGRVFRQRFDVLÎQGHODH[SHGLFLÎQGHOFRQWUDWRGHVHJXURV
8.2. (O$6(*85$'2HVW¼REOLJDGRDGHFODUDUVLQFHUDPHQWHORVKHFKRVRFLUFXQVWDQFLDVTXH
GHWHUPLQHQHOHVWDGRGHOULHVJRVHJÕQHOFXHVWLRQDULRTXHOHVHDSURSXHVWRSRUOD$6(*85$'25$/DUHWLFHQFLDRODLQH[DFWLWXGVREUHKHFKRVRFLUFXQVWDQFLDVTXHFRQRFLGRVSRUOD$6(*85$'25$ORKXELHUHQUHWUDÈGRGHFHOHEUDUHOFRQWUDWRRLQGXFLGRDHVWLSXODUFRQGLFLRQHVPDV
RQHURVDVSURGXFHQODQXOLGDGUHODWLYDGHOFRQWUDWRGHVHJXURV
6LODGHFODUDFLÎQQRVHKDFHFRQVXMHFLÎQDXQFXHVWLRQDULRGHWHUPLQDGRODUHWLFHQFLDRODLQH[DFWLWXGSURGXFHQLJXDOHIHFWRVLHO$6(*85$'2KDHQFXELHUWRSRUFXOSDKHFKRVRFLUFXQVWDQFLDV
TXHLPSOLTXHQDJUDYDFLÎQREMHWLYDGHOHVWDGRGHOULHVJR
8.3.&XDOTXLHURWURLQFXPSOLPLHQWRSRUSDUWHGHO$6(*85$'2GHODVREOLJDFLRQHVSUHYLVWDVHQHO
FRQWUDWRGHVHJXURVLPSOLFDODQRFREHUWXUDSDUDORVcréditosFRUUHVSRQGLHQWHV\VLOD$6(*85$'25$\DKDSDJDGRXQDLQGHPQL]DFLÎQHO$6(*85$'2HVW¼REOLJDGRDVXGHYROXFLÎQ
8.4.(QFDVRGHUHVFLVLÎQGHOFRQWUDWRGHVHJXURVSRUUHWLFHQFLDRLQH[DFWLWXGHQODLQIRUPDFLÎQ
VXPLQLVWUDGDSRUHO$6(*85$'2FXDOTXLHUSULPDSDJDGDVHFRQVLGHUDGHYHQJDGDDIDYRUGHOD
$6(*85$'25$\HO$6(*85$'2FRQWLQXDU¼VLHQGRGHXGRUGHWRGDSULPDRFDQWLGDGH[LJLEOH
tu compañía siempre
9 - DEFINICIONES
AMENAZA DE SINIESTRO
([LVWHDPHQD]DGHVLQLHVWURWDQSURQWRFRPRXQcréditoDOTXHVHUHƬHUHHVWHFRQWUDWRQRKDVLGR
SDJDGRHQODIHFKD\HQHOOXJDUHVSHFLƬFDGRVHQHOcontrato de compraventa.
CONTRATO DE COMPRAVENTA
7RGDFRQYHQFLÎQFXDOTXLHUDTXHIXHUHVXIRUPDTXHYLQFXOHMXUÈGLFDPHQWHDOFRPSUDGRU\DOYHQGHGRU\WHQJDSRUREMHWRODYHQWDGHPHUFDQFÈDVRGHVHUYLFLRVPHGLDQWHHOSDJRGHXQSUHFLR
1RVHFRQVLGHUDQFRQWUDWRVGHFRPSUDYHQWDODVYHQWDVDSUXHEDHQGHSÎVLWRRHQFRQVLJQDFLÎQ
CONTROVERSIA
7RGDGLVFXVLÎQVREUHHOLPSRUWHRODYDOLGH]GHVXVGHUHFKRVRcréditosDVÈFRPRVREUHHOSULQFLSLRGHXQSDJRSRUFRPSHQVDFLÎQVREUHODEDVHGHORVcréditos que su cliente detenta
VREUHHO$6(*85$'2
01-02-2007-1317-P-20-CRE-01C
7
tu compañía siempre
CREDITO
,PSRUWHGHODIDFWXUDRIDFWXUDVTXHHOFOLHQWHDGHXGDDWÈWXORGHXQcontrato de compraventa\
TXHHVWÄGHQWURGHOFDPSRGHDSOLFDFLÎQGHOSUHVHQWHFRQWUDWRGHVHJXURV
CREDITO NETO
(OFUÄGLWRQHWRORFRQVWLWX\HHOVDOGRGHXQDFXHQWDGHSÄUGLGDV\FRPSUHQGH
en el debe:
r(OLPSRUWHGHODVIDFWXUDVJDUDQWL]DGDVHQHOPDUFRGHOSUHVHQWHFRQWUDWR\TXHFRUUHV SRQGHQDODVPHUFDQFÈDVYHQGLGDVRDODVSUHVWDFLRQHVGHVHUYLFLRVUHDOL]DGDVLQFOX\HQGR
si llega el caso:
(O,9$VLODFREHUWXUDGHHVWHLPSXHVWRHVW¼SUHYLVWDHQHOFRQWUDWR
/RVLQWHUHVHVFDOFXODGRVKDVWDHOvencimientoFRQH[FOXVLÎQGHDTXÄOORVJHQHUDGRVGHV SXÄVGHOvencimientoVLHPSUH\FXDQGRYHQJDQFRQWHPSODGRVHQODIDFWXUD
/RVJDVWRVGHHPEDODMHWUDQVSRUWHVHJXURHLPSXHVWRVGLYHUVRVTXHGHEHHOFOLHQWH H[FOX\HQGRORVLQWHUHVHVGHPRUDSHQDOLGDGHVRGDÌRV\SHUMXLFLRV
en el haber:
r(OLPSRUWHGHWRGRVORVrecobrosUHFLELGRVSRUHO$6(*85$'2RSRU/$$6(*85$'25$
KDVWDODIHFKDGHOHVWDEOHFLPLHQWRGHODFXHQWDGHSÄUGLGDVDVÈFRPRHOLPSRUWHGHORV JDVWRVTXHQRKDQWHQLGRTXHSDJDUFRQPRWLYRGHOVLQLHVWUR
ENTREGA
/DVPHUFDQFÈDVVHFRQVLGHUDQHQWUHJDGDVVHJÕQHOSUHVHQWHFRQWUDWRGHVHJXURVFXDQGRHVW¼QD
GLVSRVLFLÎQGHOFOLHQWHRGHVXPDQGDWDULRHQODVFRQGLFLRQHV\HQHOOXJDUSUHYLVWRVSRUHOcontrato de compraventa.
tu compañía siempre
(QFDVRGHventa al contado contra entrega de documentosKD\HQWUHJDVHJÕQHOSUHVHQWH
FRQWUDWRHQFXDQWRODPHUFDQFÈD\ORVGRFXPHQWRVKD\DQOOHJDGRDVXOXJDUGHGHVWLQR
GARANTIAS
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IMPAGO
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8
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COMPAÑÍA MUNDIAL DE SEGUROS S.A.
DIRECCION GENERAL
CALLE 33 No. 6B > 24 PISOS 2 Y 3
TELEFONO 2855600 - FAX 2851220
01-02-2007-1317-P-20-CRE-01C
9