General terms and conditions of use

Summa FSF S.A., hereinafter Summa Factoring, welcomes you to its website: and invites you to learn about the Terms and Conditions of Use and other applicable regulations.


Through this site, users may provide Summa Factoring with their data so that it can:

  • Offer its services
  • Evacuate queries
  • Analyze the possibility of doing business
  • Provide information on operations carried out and account statements

Our website is subject to applicable regulations and implies express acceptance by the user of the terms and conditions detailed.

These terms and conditions are mandatory and binding. Whoever does not accept them must refrain from making inquiries through this site. The user must read, understand and accept all the conditions established in the Terms and Conditions, prior to starting the process as a user, whether sporadic or regular.

Summa Factoring reserves the right to update and/or modify these Terms and Conditions, publishing it opportunely. It also reserves the right to remove any content from the website for any reason and without prior notice, within the current legal framework and in accordance with current regulations related to the consumer (Law No. 17,250 on Consumer Relations of 08/11/2000).

Personal information

To use its services, Summa Factoring may request certain business and/or personal data from users through a web form or by other electronic means (email, text message, etc.). The information to which Summa Factoring has access will only be disclosed to third parties in compliance with current regulations or as a result of a court order that requires it.

The user authorizes their data to be stored by Summa Factoring. Users guarantee and are responsible, in any case, for the veracity, accuracy, validity and authenticity of the data provided. Summa Factoring reserves the right not to respond to queries or business proposals without communicating it, without explaining the reasons for its decision and without this generating the right to compensation or compensation of any kind by the user.

Data security and confidentiality

The data provided to Summa Factoring may be incorporated into its database, used to answer queries or comply with the other services offered. The user also authorizes information and advertising of our company’s products and services to be sent to them.

All data provided by users will be treated with the strictest confidentiality, also adopting all necessary security measures to ensure the conservation of your data privately and securely.

The user is informed of their right to access, rectify and cancel the data in the terms provided in Law No. 18,331 on the Protection of Personal Data, being able to exercise said rights.

The user authorizes the communication or transfer of the aforementioned data to companies linked to Summa Factoring in order to comply with its services.

Use of Cookies

Summa Factoring may use cookies on its website. “Cookies” are small data files that websites save to your computer’s hard drive when a user visits them. Cookies may be used to improve and personalize your experience when you visit us, making the website work more efficiently. The only personal information that a cookie can contain is information that the user provides.

The user can configure the program used to browse the Internet so that it warns before accepting cookies. You can also configure the program to disable the use of cookies, but this may limit access to some of the features of this or other sites.


The eventual presence of links to other websites does not imply a partnership, relationship, approval, endorsement by Summa Factoring of said sites or their contents.

Intellectual property

The contents of the web, the screens, the programs, databases, networks and files are the property of Summa Factoring or its licensors and are protected by the laws and international treaties of copyright, trademarks, patents, models and industrial designs. Its improper use and its total or partial reproduction are prohibited, unless expressly authorized in writing by Summa Factoring.


The user exonerates Summa Factoring from liability for interruptions, damages, losses or detriments caused by failures in the system, on the server or on the Internet. The user also exempts Summa Factoring from liability for any virus that could infect the user’s computer as a result of accessing or using its website or by transferring data, files, images, texts or audio contained therein. Users may not impute any responsibility or demand payment for lost profits due to damages resulting from technical failures, in the system or Internet. The site may, on occasions, be interrupted and unavailable due to technical difficulties or internet failures. In such cases, efforts will be made to re-establish it as quickly as possible without being held liable for it. Summa Factoring shall also not be liable for any errors or omissions contained on its website or linked systems. Summa Factoring may terminate the service as well as the data that had been provided to the site at any time, without giving cause and without any liability.


The user will hold Summa Factoring, its directors, administrators, representatives and employees, harmless from any claim or demand from other users or third parties for their activities on the website or for the violation of laws or rights of third parties, including attorneys’ fees, when appropriate.

Modification of the Terms and Conditions

Summa Facotring may modify the Terms and Conditions at any time, in which case the new Terms and Conditions will be published, which will come into force from their publication.

Competent Jurisdiction

Any conflict arising from this will be submitted to the jurisdiction of the courts of the city of Montevideo, Uruguay, and will be ruled in accordance with Uruguayan law.

Registered Address

The address for all legal purposes is set at Yí 1532, Montevideo and the user establishes his address as the one indicated in the personal data entered on the site.

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