POLIZA DE SEGURO DE CREDITO INTERNO 1GLOBALLIANCE3 tu compañía siempre 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 tu compañía siempre 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 tu compañía siempre 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$7248((671'(7(50,1$'$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/$'$ tu compañía siempre 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 tu compañía siempre 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$&/868/$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,$6206*(1(5$/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('262063$¨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 tu compañía siempre 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 tu compañía siempre 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. tu compañía siempre 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 tu compañía siempre 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$ tu compañía siempre 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 tu compañía siempre 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. 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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 +LSRWHFDSLJQRUDFLÎQSUHQGDRFXDOTXLHUJDUDQWÈDUHDORSHUVRQDOTXHJDUDQWLFHODVREOLJDFLRQHVGHOFOLHQWH IMPAGO ,PSDJRSRUHOFOLHQWHGHOcréditoHQODIHFKD\HQHOOXJDUHVSHFLƬFDGRVHQHOFRQWUDWRGHcompraventa. 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VENTAS AL CONTADO CONTRA ENTREGA DE DOCUMENTOS /DVYHQWDVpDOFRQWDGRFRQWUDHQWUHJDGHGRFXPHQWRVqVRQDTXHOODVYHQWDVFX\DVFRQGLFLRQHV GHSDJROHSHUPLWHQDO$6(*85$'2FRQVHUYDUODGLVSRQLELOLGDGGHODVPHUFDQFÈDVKDVWDTXH HOSDJRÈQWHJUR\HIHFWLYRHVWÄHQPDQRVGHORUJDQLVPRHQFDUJDGRGHHQWUHJDUORVGRFXPHQWRV DOFOLHQWH EL TOMADOR, 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