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Cláusulas e Condições Gerais - Cédula de Crédito Bancário - CCB
1. O Cliente (emitente) pagará por esta CCB, em moeda corrente nacional, ao credor Aymoré Crédito, Financiamento e
Investimento S.A., CNPJ nº 07.707.650/0001-10-, com sede na Rua Amador Bueno, nº 474, Bloco C 1º Andar, São Paulo/SP,
CEP 04752-901, doravante apenas FINANCEIRA, ou à sua ordem, nos termos desta CCB. 1.1. O Valor Total Financiado
mencionado no quadro (F6) indica a somatória das parcelas do financiamento, sendo que no valor de cada parcela estão
acrescidos a taxa de juros e o Imposto sobre Operações Financeiras- IOF, tarifas, despesas e seguros, se financiados. 1.1.1. O
cliente pagará os valores das parcelas intermediárias, se houver, indicadas no ANEXO I Plano de Pagamento,
que faz parte integrante e inseparável desta CCB. 1.2. Os encargos por inadimplência estão descritos N das Condições
Específicas desta CCB. 1.2.1. O cliente poderá se beneficiar de subsídio da taxa de juros, se houver convênio para esse fim com
a FINANCEIRA, no percentual indicado desde que eu esteja adimplente com as obrigações desta CCB.
2. O cliente se obriga a pagar todos os tributos, tarifa(s), despesa(s) e demais encargos relativos a esta CCB, além do IPVA,
do licenciamento, do seguro obrigatório, da inspeção ambiental veicular, das multas de trânsito e demais taxas ou ônus,
inclusive aqueles que no futuro venham a ser exigidos e arcar com eventuais aumentos de alíquotas. 2.1. O cliente declara que
optou, nos termos das Condições Específicas deste CCB, por adotar pessoalmente as providências necessárias ou pela prestação
do serviço de análise/confecção de cadastro para início de relacionamento, bem como para avaliação, reavaliação e substituição
do(s) bem(ns) entregues para fins de constituição de garantia à FINANCEIRA ou por apresentar laudo de avaliação de empresa
idônea.
3. Caso o cliente se torne inadimplente nesta operação ou em qualquer outra operação mantida com a FINANCEIRA, ou sofra
protestos de qualquer natureza, esta CCB poderá ser considerada vencida antecipadamente, independentemente de
comunicação formal e imediatamente será exigível a totalidade da dívida, respondendo o Cliente, inclusive, pelas despesas de
cobrança, que também serão suportadas pela FINANCEIRA.
4. O Cliente poderá amortizar ou liquidar antecipadamente o financiamento objeto desta CCB, a valor presente. Na hipótese de
liquidação antecipada, total ou parcial, da operação contratada a taxa prefixada, o valor presente do débito será calculado com a
utilização da taxa de juros pactuada nesta CCB.
5. O avalista qualificado no comparece nesta CCB e responde solidariamente por todas as

obrigações assumidas pelo Cliente, as quais declara conhecer e anuir, com a anuência irrevogável e irretratável de seu
cônjuge/companheiro(a), quando necessário. Autoriza(m) a prestação, o compartilhamento e a obtenção de informações nos
mesmos termos da autorização concedida pelo Cliente nas Condições Específicas desta CCB.
6. O cliente constitui alienação fiduciária em favor da FINANCEIRA sobre o bem/serviço indicado no item A.2 das Condições
Específicas desta CCB e até a liquidação desta, nos termos da legislação vigente, obrigando-se pela guarda e conservação de
referido bem na qualidade de fiel depositário. 6.1. O cliente se obriga a obter a emissão do Certificado de Propriedade do
bem em seu nome, com a anotação da Alienação Fiduciária em favor da FINANCEIRA, bem como promover o registro nos
órgãos públicos competentes em até 15 (quinze) dias contados da emissão desta CCB, sob pena de vencimento antecipado
desta em caso de descumprimento das obrigações contidas nesta cláusula. 6.2. O cliente manifesta sua ciência sobre o fato de que
o bem dado em garantia desta CCB, somente pode ser substituído com autorização da FINANCEIRA. 6.3. O cliente se obriga
ainda a preservar as características originais do veículo, substituindo-o, com autorização da FINANCEIRA, por outro na hipótese
de perda, de diminuição ou insuficiência de seu valor.
7. O cliente autoriza a FINANCEIRA a ceder, transferir, empenhar, alienar, dispor dos direitos e garantias decorrentes desta
CCB, inclusive emitir Certificados de Cédula de Crédito Bancário, independentemente de prévia comunicação.
8. Fica o cliente ciente de que o SEGURO PROTEÇÃO FINANCEIRA garante, no caso de morte ou invalidez permanente total por
acidente, o pagamento do saldo devedor do financiamento na data do sinistro e, em caso de desemprego involuntário ou
incapacidade física temporária por acidente, a amortização ou liquidação do saldo devedor no valor de até 03 (três) parcelas do
financiamento, observados os critérios de elegibilidade, carência e franquia previstos nas condições gerais. 8.1. O cliente declara
ter conhecimento prévio e concordar com as condições contratuais do seguro colocado à sua disposição no site
www.santanderfinanciamentos.com.br e autoriza que o valor do prêmio seja acrescido ao valor do financiamento e pago à
Seguradora em parcela única e que a FINANCEIRA forneça à Seguradora, informações relativas a esta CCB. 8.2. Fica o cliente
ciente de que: (i) o seguro somente será contratado mediante assinatura na proposta de adesão e está sujeito à análise prévia
do risco por parte da seguradora; (ii) ocorrendo a liquidação antecipada da CCB de financiamento, o valor referente à
devolução proporcional do prêmio do seguro poderá ser utilizado para amortizar o saldo devedor; (iii) o seguro é garantido
1
pela ZURICH SANTANDER BRASIL SEGUROS E PREVIDÊNCIA S.A., inscrita no CNPJ/MF sob o nº 87.376.109/0001-06,
processo SUSEP nº 15414.000356/2011-10 e estipulado pela Aymoré Crédito, Financiamento e Investimento S.A CNPJ nº
07.707.650/0001-10 (FINANCEIRA); e (iv) o registro deste plano pela SUSEP não implica, por parte de referida Autarquia,
incentivo ou recomendação a sua aquisição, representando, exclusivamente, sua adequação as normas em vigor. 8.3 As
condições contratuais/regulamento deste produto protocolizadas pela sociedade/entidade junto à SUSEP poderão ser
consultadas no endereço eletrônico www.susep.gov.br, de acordo com o número de processo constante da apólice/proposta. 8.4.
Durante todo o prazo desta CCB, o Cliente deverá manter o veículo segurado, em seguradora de sua livre escolha, contra roubo,
furto, incêndio ou danos físicos, indicando a FINANCEIRA como beneficiária da apólice. 8.4.1. Em qualquer hipótese, o seguro do
Veículo estipulará indenização mínima equivalente ao seu valor de mercado. 8.4.2. A ocorrência de qualquer sinistro com o
Veículo não será considerado motivo para a interrupção do pagamento das parcelas, sendo certo que a análise de qualquer pedido
de indenização caberá única e exclusivamente à seguradora. 8.4.3. No caso de perda total do veículo, independentemente da
causa, o Cliente, caso não tenha contratado seguro do veículo, deverá pagar ao Credor indenização equivalente ao montante do
saldo devedor desta Cédula, deduzido das parcelas já pagas. 8.4.4. No caso de pagamento decorrente do sinistro com o Seguro
Auto, caso o valor da indenização pago pela seguradora seja superior ao Saldo Devedor, a diferença será restituída pela
Financeira ao Cliente. 8.4.5. O Cliente autoriza a FINANCEIRA, desde já, abater do valor da indenização do Seguro, os débitos
relativos a IPVA, DPVAT, multas de trânsito e demais débitos que incidam direta ou indiretamente sobre o veículo.
9. O cliente declara ter recebido a planilha que demonstra os fluxos considerados para o cálculo do Custo Efetivo Total CET
desta operação.
10. O cliente se obriga a manter seus dados cadastrais atualizados durante a vigência desta CCB.
11. Cliente e Avalista autorizam a Aymoré Crédito Financiamento e Investimento S.A. e o Conglomerado Financeiro Santander: (i)
A consultar e registrar informações decorrentes de operações de crédito de minha responsabilidade junto ao Sistema de
Informações de Crédito (SCR) do Banco Central do Brasil (BACEN), para fins de supervisão do risco de crédito e intercâmbio de
informações com outras instituições financeiras. (ii) Está ciente de que a consulta ao SCR pelo Conglomerado Financeiro
Santander depende dessa prévia autorização e que poderá ter acesso aos dados do SCR pelos meios colocados à sua disposição
pelo BACEN, sendo que eventuais pedidos de correções, exclusões, registros de medidas judiciais e de manifestações de
discordância sobre as informações inseridas no SCR deverão ser efetuados por escrito, acompanhados, se necessário, de
documentos. (iii) A obter, fornecer e compartilhar as informações cadastrais, financeiras e de operações ativas e passivas e
serviços prestados junto a outras instituições pertencentes ao Conglomerado Financeiro Santander, ficando todas autorizadas a
examinar e utilizar, no Brasil e no exterior, tais informações, inclusive para ofertas de produtos e serviços; (iv) A informar aos
órgãos de proteção ao crédito, tais como SERASA e SPC, os dados relativos à falta de pagamento de obrigações assumidas junto
à FINANCEIRA; e (v) A compartilhar informações cadastrais com outras instituições financeiras e a contatar o cliente por meio de
Cartas, e-mails, Short Message Service (SMS), telefone e demais meios de comunicação fornecidos, inclusive para ofertar
produtos e serviços.
12. O cliente poderá comunicar a FINANCEIRA sobre questões referentes ao cumprimento das obrigações assumidas nesta CCB,
inclusive quanto a eventual alteração relevante em sua capacidade de pagamento, por meio dos canais de atendimento
disponibilizados pela FINANCEIRA.
13. O cliente e avalista afirmam que a operação contratada é adequada às suas necessidades, declarando que leram previamente
todas as condições previstas nesta CCB, não restando nenhuma dúvida sobre o seu conteúdo, especialmente acerca das
autorizações concedidas em favor da FINANCEIRA, bem como que possuem condições econômico-financeiras para pagar as
obrigações assumidas sem comprometer seu sustento próprio e/ou de seus dependentes.
14. O cliente assegura que os recursos decorrentes desta CCB não serão destinados a finalidades que possam causar danos
sociais e/ou projetos em desacordo com a Política Nacional de Meio Ambiente prevista em Lei, tampouco serão utilizados de forma
direta ou indireta, os recursos disponibilizados em razão da operação ora realizada para a prática de ato previsto na Lei nº 12.846,
de 1º de agosto de 2013, que atente contra o patrimônio público nacional ou estrangeiro, contra princípios da administração
pública ou contra os compromissos internacionais assumidos pelo Brasil.
15. CCB, são cobradas conforme opção do cliente,

nos termos da Resolução nº 3.919/2010 do Conselho Monetário Nacional para confecção de cadastro para início de
relacionamento e de avaliação, reavaliação e/ou substituição do bem dado em garantia.
16. Fica eleito o Foro da Comarca do local de emissão desta CCB ou do domicílio d o c li e n t e , para d i r i m ir eventual
discussão sobre as condições ora estabelecidas.

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