RECIBO
CAIXA
12/11/2011
BRASIL CAR TRANSPORTES
SACADOR
SACADOR
BRASIL CAR TRANSPORTES
(=) VALOR COBRADO
(=) VALOR COBRADO
(+) MORA/MULTA
(-) OUTRAS DEDUÇÕES
(-) DESCONTO/ABATIMENTO
(=) VALOR DO DOCUMENTO
ESPÉCIE/QTDE DA MOEDA
01
17-54-0006183-28-0000000
PARCELA/VENCIMENTO
DOCUMENTO
NOSSO NÚMERO
745/0001-0
49513001-1
000000010582223
ACE SEGURADORA S/A
BANCO/AGÊNCIA / CONTA
(+) OUTROS ACRÉSCIMOS
12/11/2011
AUTENTICAÇÃO MECÂNICA
(+) OUTROS ACRÉSCIMOS
(+) MORA/MULTA
(-) OUTRAS DEDUÇÕES
(-) DESCONTO/ABATIMENTO
(=) VALOR DO DOCUMENTO
ESPÉCIE/QTDE DA MOEDA
01
17-54-0006183-28-0000000
PARCELA/VENCIMENTO
DOCUMENTO
NOSSO NÚMERO
745/0001-0
49513001-1
000000010582223
ACE SEGURADORA S/A
BANCO/AGÊNCIA / CONTA
AUTENTICAÇÃO MECÂNICA
745-5
ESPÉCIE
680
R$
1754000618328000000001
CARTEIRA
N/SEG
QUANTIDADE
ESPÉCIE DOC
A
ACEITE
VALOR
13/10/2011
DATA PROCESSAMENTO
74593514900000000004900495130011000010582223
BRASIL CAR TRANSPORTES LTDA.
ESTRADA DOS CASA, NR. 4303 - B.ALVARENGA
S;BERNARDO DO CAMPO
CEP 009840000
SACADOR/AVALISTA
SACADOR:
IOF: 0
CÓDIGO DE BAIXA
(=) VALOR COBRADO
(+) OUTROS ACRÉSCIMOS
(+) MORA/MULTA
(-) OUTRAS DEDUÇÕES
(-) DESCONTO/ABATIMENTO
1058222-3
(=) VALOR DO DOCUMENTO
001-0495130011
NOSSO NÚMERO/CÓD.DOCUMENTO
AUTENTICAÇÃO MECÂNICA - FICHA DE COMPENSAÇÃO
VENCIDO - RECEBER ATÉ O 5˚ DIA NO CITIBANK, HSBC, MERCANTIL DO BRASIL, BIC BANCO E
BANCOOB, INCIDINDO JUROS DE MORA DE 0,10% AO DIA. A PARTIR DO 6˚ DIA SOMENTE COM
AUTORIZAÇÃO DA CIA NO VERSO DO BOLETO, DESDE QUE NAO HAJA CONHECIMENTO DE SINISTROS.
A FALTA DO PAGAMENTO DA PARCELA UNICA OU DE QUALQUER PARCELA SUBSEQUENTE, QUANDO
A APOLICE FOR FRACIONADA, IMPLICARA NO CANCELAMENTO DO SEGURO.
INSTRUÇÕES
13/10/2011
USO DO BANCO
N˚ DO DOCUMENTO
ACE SEGURADORA S.A.
DATA DO DOCUMENTO
CEDENTE
12/11/2011
AGÊNCIA/CÓDIGO CEDENTE
VENCIMENTO
74594.90046 95130.011000 00105.822233 3 51490000000000
PAGÁVEL EM QUALQUER AGENCIA BANCÁRIA, ATÉ A DATA DE VENCIMENTO
LOCAL DE PAGAMENTO
CITIBANK
SEGURO DE
Sucursal
RCTR-C
Endereço
SAO PAULO
Telefone
AV. PAULISTA, 1294 17˚
Apólice Número
4504-4400
Fax
CNPJ
4504-4395
Endosso Número
3.502.099/0001-18
Renova Apólice
17.54.0006183.28
5021
Vigência da Apólice
Das
Até
Vigência do Endosso
24:00h do dia 08/10/2011
24:00h do dia 08/10/2012
CNPJ / CPF
Código/Nome do Segurado
000000064354 - BRASIL CAR TRANSPORTES LTDA.
Endereço
ESTRADA DOS CASA, NR. 4303 - B.ALVARENGA 00000
Importância Segurada Líder
0.00
Importância Segurada Cosseguro
0.00
Moeda do Seguro
Valores Expressos em
REAL
REAL
Fator da Moeda
998.573/0001-56
Cidade
UF
CEP
S;BERNARDO DO CAMPO
SP
9840-000
Prêmio Líquido
0.00
Desconto
Custo de Apólice
Juros
I.O.F.
0.00
0.00
PRÊMIO TOTAL
0.00
0.00
0.00
1. INTERPRETACAO DE DATAS POR EQUIPAMENTOS ELETRONICOS, ANEXA.
2. A PRESENTE APOLICE NAO CONTEMPLA COBERTURA PARA PERDAS OU DANOS
CAUSADOS DIRETA OU INDIRETAMENTE POR ATOS DE TERRORISMO, INDEPENDENTE
DO PROPOSITO DESTES.
CONFORME ESPECIFICAÇAO ANEXA
A sociedade supra designada daqui em diante "Seguradora", baseando-se nas informaçoes constantes da proposta que lhe foi apresentada pelo
segurado, proposta essa que servindo de base a emissão da presente apólice, fica fazendo parte integrante deste contrato obriga-se a indenizar,
mediante o recebimento do prêmio acima mencionado e nos termos e sob as condições gerais, particulares e ou especiais convencionadas, insertas
na presente ou em seus anexos que fazem parte integrante desta, as consequências dos eventos discriminados, de acordo com as especificações
anexas.
Código/Nome do Corretor
60337 - PROMOVE CORRETORA DE SEGS
Pedido Número
0000000
Código SUSEP
Telefone
00000100286184
(011)2588-2100
Fax
(011)
Endereço
Cidade
UF
CEP
RUA ALVARO ALVIM, 1061
SAO BERNARDO DO C
SP
9693-000
SAO PAULO
,13 DE OUTUBRO DE 2011
Local e Data de Emissão
ACE Seguradora S.A.
Av.Paulista, 1294 - 17 andar - Cerqueira César - CEP 01310-915 -Tel:(11) 4504-4400 - Fax (11) 4504-4395 São Paulo - SP
SEGURO DE RCTR-C
CLÁUSULA DE FRACIONAMENTO DE PRÊMIO
Sucursal
Endereço
SAO PAULO
Telefone
AV. PAULISTA, 1294 17˚
4504-4400
Fax
4504-4395
3.502.099/0001-18
Apólice Número
Endosso Número
Renova Apólice
17.54.0006183.28
0000000
0000000
Vigência da Apólice
Das
Até
CNPJ
Vigência do Endosso
24:00h do dia 08/10/2011
24:00h do dia 08/10/2012
CNPJ / CPF
Código/Nome do Segurado
64354 BRASIL CAR TRANSPORTES LTDA.
998.573/0001-56
Cidade
UF
CEP
S;BERNARDO DO CAMPO
SP
9840-000
Endereço
ESTRADA DOS CASA, NR. 4303 - B.ALVARENGA
I)
FICA ENTENDIDO E AJUSTADO QUE O PRÊMIO DESTE DOCUMENTO SERÁ PAGO EM 01 PARCELAS MENSAIS,
12/11/2011
SUCESSIVAS, VENCENDO A PRIMEIRA EM
E AS DEMAIS CONFORME NO QUADRO A SEGUIR:
VALORES EXPRESSOS EM REAL
PARCELA VENCIMENTO PRÊMIO LÍQUIDO
01
12/11/2011
TOTAIS
JUROS
CUSTO
I.O.F.
PRÊMIO TOTAL
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
II)
O ATRASO NO PAGAMENTO DE QUALQUER PARCELA ACARRETARÁ O IMEDIATO CANCELAMENTO DO
DOCUMENTO NÃO FAZENDO JUS O SEGURADO A RESTITUÇÃO DAS PARCELAS PAGAS.
III)
OCORRENDO PERDA TOTAL, REAL OU CONSTRUTIVA, AS PRESTAÇÕES VINCENDAS, EXCLUINDO OS
JUROS, SERÃO EXIGIDAS POR OCASIÃO DO PAGAMENTO DA INDENIZAÇÃO.
IV)
NOS CASOS DE SEGURO DE RESPONSABILIDADE CIVIL FACULTATIVO DE VEÍCULOS CONJUGADO COM O
SEGURO DE AUTOMÓVEIS, QUALQUER INDENIZAÇÃO DEPENDERÁ DA PROVA DE QUE O PAGAMENTO DA
PRIMEIRA PARCELA TENHA SIDO ANTES DA OCORRÊNCIA DO SINISTRO.
V)
PARA O CÁLCULO DOS JUROS, FOI UTILIZADA A TAXA MENSAL DE
SAO PAULO
13 de OUTUBRO de 2011
Local e Data de Emissão
%
ACE Seguradora S.A.
Av.Paulista, 1294 - 17 andar - Cerqueira César - CEP 01310-915 -Tel:(11) 4504-4400 - Fax (11) 4504-4395 S ão Paulo - SP
SEGURO DE RCTR-C
DEMONSTRATIVO DE COMISSÃO - CORRETOR
Sucursal
Endereço
SAO PAULO
Telefone
AV. PAULISTA, 1294 17˚
Fax
4504-4400
4504-4395
3.502.099/0001-18
Apólice Número
Endosso Número
Renova Apólice
17.54.0006183.28
0000000
0000000
Vigência da Apólice
Das
Até
CNPJ
Vigência do Endosso
24:00h do dia 08/10/2011
24:00h do dia 08/10/2012
CNPJ / CPF
Código/Nome do Segurado
000000064354 - BRASIL CAR TRANSPORTES LTDA.
998.573/0001-56
Cidade
UF
CEP
S;BERNARDO DO CAMPO
SP
9840-000
Endereço
ESTRADA DOS CASA, NR. 4303 - B.ALVARENGA
Código/Nome do Corretor
Pedido Número
60337 - PROMOVE CORRETORA DE SEGS
0000000
Código SUSEP
Telefone
100286184
(011)2588-2100
Fax
(011)
Endereço
Cidade
UF
CEP
RUA ALVARO ALVIM, 1061
SAO BERNARDO DO C
SP
9693-000
VALORES EXPRESSOS EM R$
PARCELA VENCIMENTO
01
12/11/2011
TOTAIS
PRÊMIO TOTAL
PRÊMIO LIQ + JUROS
% COMISSÃO
COMISSÃO
0.00
0.00
0.00
0.00
0.00
0.00
SAO PAULO
,13 de OUTUBRO de 2011
Local e Data de Emissão
0.00
ACE Seguradora S.A.
Av.Paulista, 1294 - 17 andar - Cerqueira César - CEP 01310-915 -Tel:(11) 4504-4400 - Fax (11) 4504-4395 S ão Paulo - SP
PROMOVE CORRETORA DE SEGS
0.00
0.00
12/11/2011
01
TOTAL DOCUMENTO
PREMIO
VENCIMENTO
PARC.
0.00
IMPORTAN. SEGURADA CIA. LÍDER
25.0000
0.0000
0.0000
0.0000
0.00
0.00
0.00
DESCONTO
BAIRRO
1
REAL
CIDADE
0.00
0.00
JUROS
0.00
0.00
IOF
S;BERNARDO DO CAMPO
VALORES EXPRESSOS EM
CGC/CPF
0.0000
0.0000
0.0000
0.0000
CUSTO DA APÓLICE
ESTRADA DOS CASA, NR. 4303 - B.ALVARENGA
ENDEREÇO COBRANÇA
BRASIL CAR TRANSPORTES LTDA.
SEGURADO
60337
01
PRAZO
CEP
0.00
0.00
CUSTO
0.00
0.00
PREMIO TOTAL
745
BANCO
00
0.00
0.00
COMISSÂO
.00
.00
.00
.00
VALOR SEGURADO
111
ORIGEM
PRODUÇAO
0.000000
NOSSA
13/10/2011
DATA EMISSÃO
CODIGO
FINANC.
% PARTICIP. % COMISSAO
09840000
00
TIPO DE
CALCULO
EMISSAO
08/10/2012
08/10/2011
DOCUMENTO LIDER
NRO.ORDEM
VIGENCIA ATE
VIGENCIA DESDE
ESTADO
NOME COMPANHIA
0
N
N
ENDOSSO
ACOMODAÇÃO
RESTRIÇÃO
SUBMISSAO
APÓLICE
PART.
RENOVACAO APOLICE
CÓDIGO
% COMISSAO % COMISSAO N˚ PAR
GERAL
MODALIDADE SEGURO
28
CÓDIGO NOME CORRETOR
COMERCIAL/INDUS
TIPO NEGOCIO
0.00000
0
COSSEGURADORAS
AVERBACOES
0000000
TIPO SEGURO
0.000000
6183
NRO.DOCUM. TIPO DOCUMENTO
CORRETORES
TIPO APÓLICE
REAL
R.P. P No
00
MOEDA
RCTR-C
APÓLICE
FATOR DA MOEDA CIA. LIDER
54
17
SAO PAULO
RAMO
ORGAO EMISSOR
RELAÇÃO DE DOCUMENTOS EMITIDOS
SEGURO DE RCTR-C
TEXTOS E CLÁUSULAS
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SEGURO DE RCTR-C
TEXTOS E CLÁUSULAS
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HPEDUTXHHGHFODUDomRQDDYHUEDomRGHDFRUGRFRPRSHUFXUVRGDYLDJHPVHJXUDGDVHQGR
•
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SEGURO DE RCTR-C
TEXTOS E CLÁUSULAS
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•
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•
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$UW 2 6HJXUDGR HVWi REULJDGR D FRPXQLFDU j 6HJXUDGRUD ORJR TXH VDLED TXDOTXHU IDWR VXVFHWtYHO GH DJUDYDU R ULVFR
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R 2 FDQFHODPHQWR Vy VHUi HILFD] WULQWD GLDV DSyV D QRWLILFDomR GHYHQGR VHU UHVWLWXtGD SHOD 6HJXUDGRUD D GLIHUHQoD GR
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5HIHUrQFLD±%UDVLO&DU7UDQVSRUWHV/WGD±5HQRYDomRGD$SyOLFH
SEGURO DE RCTR-C
TEXTOS E CLÁUSULAS
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6HJXUDGRDIDFLOLWDURVPHLRVDRSOHQRH[HUFtFLRGHVVDVXEURJDomR
R$6HJXUDGRUDQmRSRGHVHYDOHUGRLQVWLWXWRGDVXEURJDomRFRQWUDR6HJXUDGR
R)LFDHQWHQGLGRHDFRUGDGRTXHTXDQGRDVPHUFDGRULDVIRUHPWUDQVSRUWDGDVSRUWUDQVSRUWDGRUHVVXEFRQWUDWDGRVILFDP
HVVHV SDUD WRGRV RV HIHLWRV HTXLSDUDGRV D SUHSRVWRV GR 6HJXUDGR QmR FDEHQGR SRUWDQWR DomR UHJUHVVLYD FRQWUD WDLV
VXEFRQWUDWDGRVGHVGHTXHRFRQKHFLPHQWRURGRYLiULRHPLWLGRSDUDRUHVSHFWLYRWUDQVSRUWHVHMDGHIDWRGRSUySULR6HJXUDGRH
HPLWLGRREULJDWRULDPHQWHDQWHVGRLQtFLRGRVULVFRV
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SEGURO DE RCTR-C
TEXTOS E CLÁUSULAS
&$3Ì78/2;;9
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UHJHPDVVLPFRPRDVLQIRUPDo}HVVREUHRREMHWRRXEHPVHJXUDGR
$UUHVWR
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7UDWDVHGHXPDGDVREULJDo}HVGR6HJXUDGRTXHGHYHFRPXQLFDUj6HJXUDGRUDDRFRUUrQFLDGHTXDOTXHUVLQLVWURDVVLP
TXHGHOHWHQKDFRQKHFLPHQWR
%HQV
6mRWRGDVDVFRLVDVGLUHLWRVHDo}HVTXHSRGHPVHUREMHWRGHSURSULHGDGH
&DQFHODPHQWR
'LVVROXomRDQWHFLSDGDGRFRQWUDWRGHVHJXURHPVXDWRWDOLGDGHSRUSHUGDGHGLUHLWRGR6HJXUDGRRXGHWHUPLQDomROHJDORX
SDUFLDOPHQWHHPUHODomRDXPDGHWHUPLQDGDFREHUWXUDQRFDVRGHUHHPEROVRFRUUHVSRQGHQWHDR/LPLWH0i[LPRGH*DUDQWLD
GDPHVPD2FDQFHODPHQWRGRVHJXURSRUDFRUGRGDVSDUWHVGHQRPLQDVH5HVFLVmR
&DSXW
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WH[WRSULQFLSDORXLQLFLDOGHXPDUWLJRRXFOiXVXOD
&DXVD0RUWLV
([SUHVVmRODWLQDTXHVLJQLILFDDFDXVDGDPRUWH
&OiXVXOD(VSHFtILFD
&OiXVXODVXSOHPHQWDUDGLFLRQDGDDRFRQWUDWRPRGLILFDQGRDFREHUWXUDPDVVHPJHUDUSUrPLRDGLFLRQDO
&REHUWXUD$GLFLRQDO
&REHUWXUDDGLFLRQDGDDRFRQWUDWRIDFXOWDWLYDPHQWHPHGLDQWHFREUDQoDGHSUrPLRDGLFLRQDO
&RQGLo}HV*HUDLV
&RQMXQWRGHFOiXVXODVFRQWUDWXDLVTXHHVWDEHOHFHPREULJDo}HVHGLUHLWRVGR6HJXUDGRHGD6HJXUDGRUD
&RQKHFLPHQWRGH(PEDUTXH&RQKHFLPHQWRGH7UDQVSRUWH
'RFXPHQWRQXPHUDGRVHTHQFLDOPHQWHHPLWLGRSHORWUDQVSRUWDGRUQDGDWDGHFDUUHJDPHQWRRXGHLQtFLRGDYLDJHPFRQWHQGR
LQIRUPDo}HVVREUHRVEHQVRXPHUFDGRULDVWUDQVSRUWDGDVWDLVFRPRRULJHPSURFHGrQFLDHGHVWLQRTXDQWLGDGHHHVSpFLHGRV
YROXPHVQ~PHURVGRVGRFXPHQWRVILVFDLVHUHVSHFWLYRVYDORUHVHWF
5HIHUrQFLD±%UDVLO&DU7UDQVSRUWHV/WGD±5HQRYDomRGD$SyOLFH
SEGURO DE RCTR-C
TEXTOS E CLÁUSULAS
&RQKHFLPHQWR5RGRYLiULR&RQKHFLPHQWRGH7UDQVSRUWH5RGRYLiULR
&RQKHFLPHQWRGH(PEDUTXHUHODWLYRDRWUDQVSRUWHURGRYLiULR
&RQWDLQHU
5HFLSLHQWH RX FDL[D QRUPDOPHQWH IHFKDGR H GH PHWDO PXQLGR GH IHFKDGXUDV GH VHJXUDQoD XWLOL]DGR QR WUDQVSRUWH GH
PHUFDGRULDV
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1RVHJXURGH5&75&XWLOL]DVHHVWHWHUPRHPUHODomRDRVHVWUDJRVGHWHULRUDomRLQXWLOL]DomRRXGHVWUXLomRFDXVDGRVDRV
EHQV RX PHUFDGRULDV GH WHUFHLURV HQWUHJXHV DR 6HJXUDGR SDUD WUDQVSRUWH 2V GDQRV SRGHP VHU LQGHQL]iYHLV RX QmR GH
DFRUGRFRPDVFRQGLo}HVGRFRQWUDWRGHVHJXUR
'DQRPRUDO
/HVmR SUDWLFDGD SRU RXWUHP DR SDWULP{QLR SVtTXLFR RX j GLJQLGDGH GD SHVVRD RX PDLV DPSODPHQWH DRV GLUHLWRV GD
SHUVRQDOLGDGHFDXVDQGRVRIULPHQWRSVtTXLFRFRQVWUDQJLPHQWRRXTXDOTXHUWLSRGHGHVFRQIRUWRLQGHSHQGHQWHGDRFRUUrQFLD
VLPXOWkQHDGHGDQRVPDWHULDLVRFRUSRUDLV3DUDDVSHVVRDVMXUtGLFDVVmRDVSHUGDVILQDQFHLUDVLQGLUHWDVQmRFRQWDELOL]iYHLV
GHFRUUHQWHVGHRIHQVDDRVHXQRPHRXjVXDLPDJHPLQGHSHQGHQWHGDRFRUUrQFLDVLPXOWkQHDGHRXWURVGDQRV
'ROR
0iIpTXDOTXHUDWRFRQVFLHQWHSRUPHLRGRTXDODOJXpPLQGX]PDQWpPRXFRQILUPDRXWUHPHPHUURYRQWDGHFRQVFLHQWHPHQWH
GLULJLGDFRPDILQDOLGDGHGHREWHUXPUHVXOWDGRFULPLQRVR
(QGRVVR
e XP GRFXPHQWR HPLWLGR SHOD 6HJXUDGRUD SRU LQWHUPpGLR GR TXDO VmR DOWHUDGRV GDGRV H FRQGLo}HV GH XPD DSyOLFH GH
FRPXPDFRUGRFRPR6HJXUDGR
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eDVXEWUDomRSDUDVLRXSDUDRXWUHPGHFRLVDDOKHLDPyYHOVHPDPHDoDRXYLROrQFLDjSHVVRDHVHPGHL[DUYHVWtJLRV
)XUWRTXDOLILFDGR
eDVXEWUDomRSDUDVLRXSDUDRXWUHPGHFRLVDDOKHLDPyYHOVHPDPHDoDRXYLROrQFLDjSHVVRDPDVGHL[DQGRYHVWtJLRV
,PSRUWkQFLD6HJXUDGD
eRYDORULQWHJUDOGRVEHQVRXPHUFDGRULDVGHFODUDGRVQRVGRFXPHQWRVUHODWLYRVDFDGDHPEDUTXHREVHUYDGRR/LPLWH0i[LPR
GH*DUDQWLDSRUYHtFXORDF~PXORIL[DGRQDDSyOLFH
,QGHQL]DomR
1R VHJXUR GH 5&75 & p SULPDULDPHQWH R SDJDPHQWR HIHWXDGR SHOD 6HJXUDGRUD GLUHWDPHQWH DR WHUFHLUR SUHMXGLFDGR
SURSULHWiULR GRV EHQV RX PHUFDGRULDV GDV UHSDUDo}HV D HOH GHYLGDV SHOR 6HJXUDGR GHVGH TXH FREHUWDV SHOD DSyOLFH H
VHFXQGDULDPHQWH R UHHPEROVR DR 6HJXUDGR GDV GHVSHVDV GH VRFRUUR H VDOYDPHQWR UHDOL]DGDV SDUD HYLWDU R VLQLVWUR H
PLQLPL]DURVGDQRV
/LPLWH0i[LPRGH*DUDQWLDSRUYHtFXORDF~PXOR
eDTXDQWLDPi[LPDIL[DGDQDDSyOLFHTXHD6HJXUDGRUDDVVXPLUiHPFDGDYLDJHPGHXPPHVPRPHLRWUDQVSRUWDGRURXSRU
DFXPXODomRGHEHQVHRXPHUFDGRULDVHPSRUWRVDHURSRUWRVRXRXWURVORFDLVSUHYLVWRVQRFRQWUDWRGHVHJXUR
/RFNRXW
3DUDOLVDomR GRV VHUYLoRV RX DWLYLGDGHV GH XPD HPSUHVD RX HPSUHVDV GH DWLYLGDGHV DILQV SRU GHWHUPLQDomR GH VHXV
DGPLQLVWUDGRUHVRXGRVLQGLFDWRSDWURQDOUHVSHFWLYR
/XFURVFHVVDQWHV
/XFURVTXHGHL[DPGHVHUDXIHULGRVGHYLGRjSDUDOLVDomRGHDWLYLGDGHVHGRPRYLPHQWRGHQHJyFLRVGRWHUFHLURSUHMXGLFDGR
5HIHUrQFLD±%UDVLO&DU7UDQVSRUWHV/WGD±5HQRYDomRGD$SyOLFH
SEGURO DE RCTR-C
TEXTOS E CLÁUSULAS
0iDUUXPDomR0iHVWLYDGDFDUJD
$UUXPDomRLQDGHTXDGDGDFDUJDVHJXUDGDQRYHtFXORWUDQVSRUWDGRU
0DXDFRQGLFLRQDPHQWR
0iDFRPRGDomRGDFDUJDGHQWURGDUHVSHFWLYDHPEDODJHP
2EMHWRGR6HJXUR
eDGHVLJQDomRJHQpULFDGHTXDOTXHULQWHUHVVHVHJXUDGRVHMDPFRLVDVSHVVRDVEHQVUHVSRQVDELOLGDGHVREULJDo}HVGLUHLWRV
RXJDUDQWLDV
3UrPLR
eDLPSRUWkQFLDSDJDSHOR6HJXUDGRRXHVWLSXODQWHSURSRQHQWHj6HJXUDGRUDHPWURFDGDWUDQVIHUrQFLDSDUDHVWDGRULVFRD
TXHDTXHOHHVWiH[SRVWR
3URSRQHQWH
eDSHVVRDItVLFDRXMXUtGLFDTXHSUHWHQGHID]HURVHJXURSUHHQFKHQGRHDVVLQDQGRXPDSURSRVWD
3URSRVWD
'RFXPHQWRSUHHQFKLGRHDVVLQDGRSHORSURSRQHQWHQDFRQWUDWDomRGRVHJXURQRTXDOVmRUHODFLRQDGRVRVGDGRVTXHGHYHP
FRQVWDUQDDSyOLFHHDVLQIRUPDo}HVYHUGDGHLUDVHFRPSOHWDVVREUHRVULVFRVDVHUHPFREHUWRV
5HFODPDomR
1R FDVRGR VHJXUR GH 5&75& p D DSUHVHQWDomR j 6HJXUDGRUD SHOR 6HJXUDGR GHSHGLGRGH LQGHQL]DomRHIHWXDGRSRU
WHUFHLURSUHWHQVDPHQWHSUHMXGLFDGRSRVVLYHOPHQWHVREDIRUPDGHXPDQRWLILFDomRMXGLFLDOSHGLGRHVWHTXHR6HJXUDGRIDUi
DFRPSDQKDU GH WRGDV DV LQIRUPDo}HV H GRFXPHQWRV UHODWLYRV DR HYHQWR 2 SHGLGR GH LQGHQL]DomR SRGH VHU DSUHVHQWDGR
GLUHWDPHQWHj6HJXUDGRUDSHORWHUFHLURSUHWHQVDPHQWHSUHMXGLFDGRSURSULHWiULRGRVEHQVRXPHUFDGRULDV
5HJXODomRH/LTXLGDomRGH6LQLVWURV
e R SURFHVVR GH DSXUDomR GRV SUHMXt]RV VRIULGRV SHOR 6HJXUDGR H TXH WHP SRU ILQDOLGDGH IL[DU D UHVSRQVDELOLGDGH GD
6HJXUDGRUDHDVEDVHVGDVLQGHQL]Do}HV
5HVFLVmR
'LVVROXomRDQWHFLSDGDGRFRQWUDWRGHVHJXURSRUDFRUGRGDVSDUWHV4XDQGRQmRKiDFRUGRXVDVHRWHUPR&DQFHODPHQWR
5LVFR&REHUWR
eRHYHQWRDOHDWyULRSUHYLVWRQRFRQWUDWRGHVHJXURFXMDRFRUUrQFLDDFDUUHWDSUHMXt]RGHRUGHPHFRQ{PLFDSDUDR6HJXUDGR
5LVFRV([FOXtGRV
6mR RV ULVFRV TXH R FRQWUDWR UHWLUD GD UHVSRQVDELOLGDGH GD 6HJXUDGRUD 2V ULVFRV H[FOXtGRV SRGHP VHU JHQpULFRV TXDQGR
HQXPHUDGRVQDV&RQGLo}HV*HUDLVGDDSyOLFHHHVSHFtILFRVTXDQGRFRQVWDPQDV&RQGLo}HV(VSHFLDLV
5RGRYLD
9LDWHUUHVWUHQmRSURLELGDDRWUkQVLWRGHYHtFXORVDXWRPRWRUHVSHODVDXWRULGDGHVFRPSHWHQWHV
5RXER
eDVXEWUDomRGDFRLVDPyYHODOKHLDSDUDVLRXSDUDRXWUHPPHGLDQWHJUDYHDPHDoDRXYLROrQFLDjSHVVRDRXGHSRLVGHWrOD
SRUTXDOTXHUPHLRUHGX]LGRjLPSRVVLELOLGDGHGHUHVLVWrQFLD
6HJXUDGR
eDSHVVRDItVLFDRXMXUtGLFDTXHWHQGRLQWHUHVVHVHJXUiYHOFRQWUDWDRVHJXURHPVHXEHQHItFLRSHVVRDORXGHWHUFHLUR
5HIHUrQFLD±%UDVLO&DU7UDQVSRUWHV/WGD±5HQRYDomRGD$SyOLFH
SEGURO DE RCTR-C
TEXTOS E CLÁUSULAS
6HJXUDGRU6HJXUDGRUD
e DTXHOHD TXH HPLWH XPD DSyOLFH DVVXPLQGR D UHVSRQVDELOLGDGH SHORV ULVFRV QHOD FRQVWDQWHVPHGLDQWH R SDJDPHQWR GH
SUrPLRSHOR6HJXUDGR
6HJXURGH5HVSRQVDELOLGDGH&LYLOGR7UDQVSRUWDGRU5RGRYLiULR&DUJD5&75&
eRFRQWUDWRPHGLDQWHRTXDOXPDSHVVRDMXUtGLFDGHQRPLQDGD6HJXUDGRUDVHREULJDPHGLDQWHRUHFHELPHQWRGHXPSUrPLR
D LQGHQL]DU R WHUFHLUR SUHMXGLFDGR SURSULHWiULR GRV EHQV RX PHUFDGRULDV GDQLILFDGDV GXUDQWH WUDQVSRUWH HIHWXDGR SRU RXWUD
SHVVRDItVLFDRXMXUtGLFDGHQRPLQDGD6HJXUDGRGDQRVHVWHVUHVXOWDQWHVGHULVFRVIXWXURVHLQFHUWRVSUHYLVWRVQRFRQWUDWR
3UHYrRFRQWUDWRWDPEpPUHHPEROVDUR6HJXUDGRGDVGHVSHVDVGHVRFRUURHVDOYDPHQWRSRUHOHHIHWXDGDVYLVDQGRHYLWDUR
VLQLVWUR H PLQLPL]DU RV GDQRV OLPLWDGR R PRQWDQWH GD LQGHQL]DomR H GR UHHPEROVR DR YDORU GD ,PSRUWkQFLD 6HJXUDGD GR
HPEDUTXH
6LQLVWUR
eDRFRUUrQFLDGHULVFRSUHYLVWRQRFRQWUDWRDSyOLFH
6XEURJDomR
e R GLUHLWR TXH D OHL FRQIHUH j 6HJXUDGRUD TXH SDJRX D LQGHQL]DomR DR WHUFHLUR SUHMXGLFDGR SURSULHWiULR GRV EHQV RX
PHUFDGRULDV H SRVVLYHOPHQWH R UHHPEROVR GH GHVSHVDV DR 6HJXUDGR GH DVVXPLU RV GLUHLWRV GHVWH FRQWUD WHUFHLURV
UHVSRQViYHLVSHORVSUHMXt]RV
7UDQVSRUWDGRU5RGRYLiULR
eWRGRDTXHOHUHJLVWUDGRQR5HJLVWUR1DFLRQDOGH7UDQVSRUWDGRUHV5RGRYLiULRVGH&DUJD5175&GD$JrQFLD1DFLRQDOGH
7UDQVSRUWHV7HUUHVWUHV$177
9tFLRSUySULR
'L]VHGHXPDSURSULHGDGHLQWUtQVHFDGHFHUWRVREMHWRVDTXDODJHQRVHQWLGRGHSURYRFDUDGHVWUXLomRRXDYDULDGRVPHVPRV
VHPDFRQFRUUrQFLDGHTXDOTXHUFDXVDH[WHULRU
5HIHUrQFLD±%UDVLO&DU7UDQVSRUWHV/WGD±5HQRYDomRGD$SyOLFH
SEGURO DE RCTR-C
TEXTOS E CLÁUSULAS
7Ì78/2,,
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SDJDPHQWRGHSUrPLRDGLFLRQDOVHUiFRQFHGLGRRSDJDPHQWRGDVUHSDUDo}HVSHFXQLiULDVSHODVTXDLVSRUGLVSRVLomRGHOHL
IRUR6HJXUDGRUHVSRQViYHOHPYLUWXGHGHGDQRVPDWHULDLVVRIULGRVSHORVEHQVRXPHUFDGRULDVREMHWRGHVWHVHJXURGXUDQWH
DV RSHUDo}HV GH FDUJD H GHVFDUJD FRP RX VHP LoDPHQWR SRU HOH HIHWXDGDV GHVGH TXH WDLV RSHUDo}HV VHMDP H[HFXWDGDV
H[FOXVLYDPHQWHSRUDSDUHOKDJHPHPiTXLQDVHVSHFLDLVDGHTXDGDVjQDWXUH]DHDRSHVRGDFDUJDWUDQVSRUWDGD
3DUiJUDIR~QLFR2SDJDPHQWRGDVUHSDUDo}HVSHFXQLiULDVGHTXHWUDWDRFDSXWVHUiIHLWRSHOD6HJXUDGRUDGLUHWDPHQWHDR
WHUFHLURSURSULHWiULRGRVEHQVRXPHUFDGRULDV
/,0,7('(*$5$17,$
$UWR$SUHVHQWHFREHUWXUDJDUDQWHDUHSDUDomRGRSUHMXt]RDWpRYDORUGR/LPLWH0i[LPRGH*DUDQWLDFRQIRUPHGHILQLGRQR
&DStWXOR9,GDV&RQGLo}HV*HUDLVGHVWDDSyOLFH
&21',d¯(6'$&2%(5785$
$UWR$VFRQGLo}HVSDUDDFRQFHVVmRGHVWDFREHUWXUDVmRDVVHJXLQWHV
, D LQFOXVmR GHVWD FREHUWXUD QD DSyOLFH VHUi HIHWXDGD D SDUWLU GD H[SUHVVD VROLFLWDomR GR 6HJXUDGR H GD FRUUHVSRQGHQWH
DFHLWDomR SRU SDUWH GD 6HJXUDGRUD $ 6HJXUDGRUD GHYHUi VH SURQXQFLDU VREUH VXD DFHLWDomR RX QmR GHQWUR GRV VHJXLQWHV
SUD]RV
DTXLQ]HGLDVDSyVRUHFHELPHQWRGDFRPXQLFDomRTXDQGRVHWUDWDUGHVHJXURQRYR
EWUrVGLDV~WHLVDSyVRUHFHELPHQWRGDFRPXQLFDomRTXDQGRDDSyOLFHMiHVWLYHUHPYLJRUVLWXDomRHPTXHDLQFOXVmRGD
FREHUWXUDVHUiIHLWDPHGLDQWHHQGRVVR
,, XPD YH] VROLFLWDGD D LQFOXVmR GD FREHUWXUD REULJDVH R 6HJXUDGR WUDQVSRUWDGRU D PHQFLRQDU QR FDPSR GD DYHUEDomR
GHVWLQDGRD³2EVHUYDo}HV´DH[SUHVVmR³RSHUDo}HVGHFDUJDGHVFDUJDLoDPHQWR´VHPSUHHTXDQGRIRUUHDOL]DUHVWHWLSRGH
RSHUDomRFDVRHPTXHVHUiDSOLFDGDDWD[DDGLFLRQDO
,,,DDXVrQFLDGHPDQLIHVWDomRSRUHVFULWRGD6HJXUDGRUDGHQWURGRVSUD]RVSUHYLVWRVQRLQFLVR, DFLPDFDUDFWHUL]DUiD
DFHLWDomRWiFLWDGRULVFRSURSRVWR
5$7,),&$d®2
$UWR5DWLILFDPVHLQWHJUDOPHQWHDVGLVSRVLo}HVGDV&RQGLo}HV*HUDLVSDUDR
6HJXUR2EULJDWyULRGH5HVSRQVDELOLGDGH&LYLOGR7UDQVSRUWDGRU5RGRYLiULR&DUJDTXHQmR
WHQKDPVLGRDOWHUDGDVSHODSUHVHQWH&REHUWXUD$GLFLRQDO
5HIHUrQFLD±%UDVLO&DU7UDQVSRUWHV/WGD±5HQRYDomRGD$SyOLFH
SEGURO DE RCTR-C
TEXTOS E CLÁUSULAS
1 &2%(5785$ $',&,21$/ 3$5$ 26 5,6&26 '( 48(%5$ '(55$0( 9$=$0(172 $55$1+$'85$
$02/*$0(172$0$66$0(1720É$5580$d®2(280$8$&21',&,21$0(172É*8$'2&(28'(&+89$
2;,'$d®228)(558*(00$1&+$'(5Ð78/2&217$0,1$d®228&217$72&202875$60(5&$'25,$6
5,6&26&2%(5726
$UW (P FRPSOHPHQWR DR &DStWXOR , GDV &RQGLo}HV *HUDLV GHVWH VHJXUR PHGLDQWH SDJDPHQWR GH SUrPLR DGLFLRQDO H
LQFOXVmRGHVWDFREHUWXUDQDDSyOLFHD6HJXUDGRUDJDUDQWHDWpROLPLWHGDLPSRUWkQFLDVHJXUDGDRUHHPEROVRGDVUHSDUDo}HV
SHFXQLiULDVSHODVTXDLVSRUGLVSRVLomRGHOHLIRUR6HJXUDGRUHVSRQViYHOHPYLUWXGHGHSHUGDVHGDQRVPDWHULDLVVRIULGRV
SHORV EHQV RX PHUFDGRULDV SRU HOH WUDQVSRUWDGRV FDXVDGRV SRU TXHEUD GHUUDPH YD]DPHQWR DUUDQKDGXUD DPROJDPHQWR
DPDVVDPHQWRPiDUUXPDomRHRXPDXDFRQGLFLRQDPHQWRiJXDGRFHRXGHFKXYDR[LGDomRRXIHUUXJHPPDQFKDGHUyWXOR
FRQWDPLQDomRRXFRQWDWRFRPRXWUDVPHUFDGRULDV
3DUiJUDIRÒQLFR2SDJDPHQWRGDVUHSDUDo}HVSHFXQLiULDVGHTXHWUDWDR³FDSXW´VHUiIHLWRSHOD6HJXUDGRUDGLUHWDPHQWHDR
WHUFHLURSURSULHWiULRGRVEHQVRXPHUFDGRULDV
/,0,7('(*$5$17,$
$UW3RGHUmRVHUIL[DGRVQDDSyOLFHGHFRPXPDFRUGR/LPLWHGH*DUDQWLDHRX6XEOLPLWHVSRUULVFRDEUDQJLGRSRUHVWD
&REHUWXUD$GLFLRQDORVTXDLVUHSUHVHQWDUmRRYDORUPi[LPRSHORTXDOD6HJXUDGRUDSRGHUiVHUUHVSRQVDELOL]DGDHPUHODomRD
WDLVULVFRVSRUYHtFXORHRXSRUDF~PXOR
3DUiJUDIRÒQLFR± 2HVWDEHOHFLPHQWR GH/LPLWH GH *DUDQWLD HRX 6XEOLPLWHV FRQIRUPH SUHYLVWR QR ³FDSXW´ QmR UHYRJD DV
GLVSRVLo}HVGRV&DStWXORV9,H9,,GDV&RQGLo}HV*HUDLVGHVWDDSyOLFHTXHGHYHUmRVHUREULJDWRULDPHQWHREVHUYDGDV
3$57,&,3$d®22%5,*$7Ð5,$'26(*85$'2
$UW)LFDHQWHQGLGRHDFRUGDGRTXHR6HJXUDGRSDUWLFLSDUiGRVSUHMXt]RVUHFODPDGRVHPWRGRHTXDOTXHUVLQLVWURFREHUWR
SRUHVWD&REHUWXUD$GLFLRQDOFRPRSHUFHQWXDOHVWDEHOHFLGRQDDSyOLFH
3DUiJUDIRÒQLFR2SHUFHQWXDOGHSDUWLFLSDomRHVWDEHOHFLGRQDDSyOLFHVHUiDSOLFDGRDRYDORUGHFDGDUHFODPDomRH[FOXtGDV
SDUFHODVQmRLQGHQL]iYHLV
&21',d¯(6'$&2%(5785$
$UW$LQFOXVmRGHVWDFREHUWXUDQDDSyOLFHVHUiHIHWXDGDDSDUWLUGDH[SUHVVDVROLFLWDomRGR6HJXUDGRHGDFRUUHVSRQGHQWH
DFHLWDomR SRU SDUWH GD 6HJXUDGRUD $ 6HJXUDGRUD GHYHUi VH SURQXQFLDU VREUH VXD DFHLWDomR RX QmR GHQWUR GRV VHJXLQWHV
SUD]RV
DTXLQ]HGLDVDSyVRUHFHELPHQWRGDFRPXQLFDomRTXDQGRVHWUDWDUGHVHJXURQRYR
EWUrVGLDV~WHLVDSyVRUHFHELPHQWRGDFRPXQLFDomRTXDQGRDDSyOLFHMiHVWLYHUHPYLJRUVLWXDomRHPTXHDLQFOXVmRGD
FREHUWXUDVHUiIHLWDPHGLDQWHHQGRVVR
3DUiJUDIR ÒQLFR $ DXVrQFLD GH PDQLIHVWDomR SRU HVFULWR GD 6HJXUDGRUD GHQWUR GRV SUD]RV SUHYLVWRV QR ³FDSXW´
FDUDFWHUL]DUiDDFHLWDomRWiFLWDGRULVFRSURSRVWR
5$7,),&$d®2
$UWDWLILFDPVHLQWHJUDOPHQWHDVGLVSRVLo}HVGDV&RQGLo}HV*HUDLVSDUDR6HJXUR2EULJDWyULRGH5HVSRQVDELOLGDGH&LYLO
GR7UDQVSRUWDGRU5RGRYLiULR&DUJDTXHQmRWHQKDPVLGRDOWHUDGDVSHODSUHVHQWH&REHUWXUD$GLFLRQDO
5HIHUrQFLD±%UDVLO&DU7UDQVSRUWHV/WGD±5HQRYDomRGD$SyOLFH
SEGURO DE RCTR-C
TEXTOS E CLÁUSULAS
7Ì78/2,,,
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1R&/É868/$(63(&Ì),&$'($9(5%$d¯(66,03/,),&$'$6
$UW3HODSUHVHQWHFOiXVXODGHDFRUGRFRPRGLVSRVWRQR&DStWXOR;,,$YHUEDo}HVGDV&RQGLo}HV*HUDLVGHVWHVHJXUR
ILFD HQWHQGLGR TXH D DYHUEDomR VLPSOLILFDGD UHIHUHQWH DRV FRQKHFLPHQWRV HPLWLGRV D FDGD PrV GHYHUi VHU HQWUHJXH j
6HJXUDGRUDHPFRQIRUPLGDGHFRPDRSomRFRQVWDQWHQDSURSRVWDGHVHJXURGHQWURGHXPGRVSUD]RVDEDL[RHVSHFLILFDGRV
, DYHUEDomR PHQVDO DWp R GLD TXLQ]H GR PrV LPHGLDWDPHQWH VXEVHTHQWH DFRPSDQKDGD GD UHODomR GRV HPEDUTXHV
UHDOL]DGRV
,, DYHUEDomR TXLQ]HQDO DWp R TXLQWR GLD ~WLO GD TXLQ]HQD LPHGLDWDPHQWH VXEVHTHQWH DFRPSDQKDGD GD UHODomR GRV
HPEDUTXHVUHDOL]DGRV
,,, DYHUEDomR VHPDQDO DWp R WHUFHLUR GLD ~WLO GD VHPDQD LPHGLDWDPHQWH VXEVHTHQWH DFRPSDQKDGD GD UHODomR GRV
HPEDUTXHVUHDOL]DGRV
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$UWR26HJXUDGRDVVXPHDREULJDomRGHIRUQHFHUj6HJXUDGRUDRVHOHPHQWRVHSURYDVTXHOKHIRUHPVROLFLWDGRVSDUDD
YHULILFDomRGRILHOFXPSULPHQWRGDREULJDomRGHDYHUEDUWRGRVRVHPEDUTXHVDEUDQJLGRVSHODDSyOLFH
$UWR2QmRFXPSULPHQWRGDREULJDomRGHDYHUEDUWRGRVRVHPEDUTXHVDEUDQJLGRVSHODDSyOLFHTXDLVTXHUTXHVHMDPVHXV
YDORUHV LPSOLFD GH SOHQR GLUHLWR D LPHGLDWD UHVFLVmR GHVWH FRQWUDWR H D LVHQomR GH UHVSRQVDELOLGDGH GD 6HJXUDGRUD HP
UHODomR DR SDJDPHQWR GH TXDOTXHU LQGHQL]DomR GHFRUUHQWH GHVWH VHJXUR UHVVDOYDGR R GLVSRVWR QR SDUiJUDIR SULPHLUR GR
DUWLJRGR&DStWXOR9,GDV&RQGLo}HV*HUDLVGHVWHVHJXUR
$UWR6HR6HJXUDGRGHL[DUGHREVHUYDURSUD]RGHHQWUHJDGDVDYHUEDo}HVFRQIRUPHSUHYLVWRDFLPDD6HJXUDGRUDSRGHUi
SURPRYHURFDQFHODPHQWRXQLODWHUDOGHVWDFOiXVXODPHGLDQWHDYLVRHVFULWRDR6HJXUDGR
$UWR5DWLILFDPVHLQWHJUDOPHQWHDVGLVSRVLo}HVGDV&RQGLo}HV*HUDLVSDUDR6HJXUR2EULJDWyULRGH5HVSRQVDELOLGDGH&LYLO
GR7UDQVSRUWDGRU5RGRYLiULR&DUJDTXHQmRWHQKDPVLGRDOWHUDGDVSHODSUHVHQWH&OiXVXOD(VSHFtILFD
5HIHUrQFLD±%UDVLO&DU7UDQVSRUWHV/WGD±5HQRYDomRGD$SyOLFH
SEGURO DE RCTR-C
TEXTOS E CLÁUSULAS
1R&/É868/$(63(&Ì),&$3$5$75$163257('(9(Ì&8/2675$)(*$1'23250(,2635Ð35,26
$UWR)LFDHQWHQGLGRHDFRUGDGRTXHDFREHUWXUDFRQFHGLGDSRUHVWDDSyOLFHVHHVWHQGHDRWUDQVSRUWHGHYHtFXORVWHUUHVWUHV
DXWRPRWRUHVGHSURSULHGDGHGHWHUFHLURVWUDIHJDQGRSRUPHLRVSUySULRV
$UW R 2 6HJXUDGR VH REULJD D LQGLFDU D PDUFD R PRGHOR R WLSR R DQR R FKDVVLV D SODFD VH FDEtYHO H D ,PSRUWkQFLD
6HJXUDGDGRVYHtFXORVREMHWRGHVWD&OiXVXOD(VSHFtILFDQDGRFXPHQWDomRILVFDOKiELOTXHRVDFRPSDQKDU
3DUiJUDIR~QLFR3DUDRVHIHLWRVGHVWDFREHUWXUDD,PSRUWkQFLD6HJXUDGDGHFDGDYHtFXORGHYHUiVHULJXDODRYDORUFRQVWDQWH
GD 1RWD )LVFDO QR FDVR GH YHtFXORV QRYRV ]HUR .P VHP OLFHQoD RX LJXDO DR YDORU FRQVWDQWH HP WDEHOD GH UHIHUrQFLD
GLYXOJDGD HP MRUQDLV GH JUDQGH FLUFXODomR RX HP UHYLVWDV HVSHFLDOL]DGDV QR FDVR GH YHtFXORV XVDGRV HVWLSXODGD QDV
&RQGLo}HV3DUWLFXODUHV
$UW R )LFD DLQGD DFRUGDGR TXH RV PRWRULVWDV GRV YHtFXORV REMHWR GHVWD &OiXVXOD (VSHFtILFD GHYHUmR WHUYtQFXOR FRQWUDWXDO
FRPR6HJXUDGR
$UWR5DWLILFDPVHLQWHJUDOPHQWHDVGLVSRVLo}HVGDV&RQGLo}HV*HUDLVSDUDR6HJXUR2EULJDWyULRGH5HVSRQVDELOLGDGH&LYLO
GR7UDQVSRUWDGRU5RGRYLiULR&DUJDTXHQmRWHQKDPVLGRDOWHUDGDVSHODSUHVHQWH&OiXVXOD(VSHFtILFD
5HIHUrQFLD±%UDVLO&DU7UDQVSRUWHV/WGD±5HQRYDomRGD$SyOLFH
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