{"id":1861,"date":"2019-04-26T09:30:54","date_gmt":"2019-04-26T07:30:54","guid":{"rendered":"http:\/\/alpha-credo.com\/?page_id=1861"},"modified":"2021-07-14T14:59:49","modified_gmt":"2021-07-14T12:59:49","slug":"umowa-ubezpieczenia-kredytu","status":"publish","type":"page","link":"https:\/\/alpha-credo.com\/pl\/umowa-ubezpieczenia-kredytu\/","title":{"rendered":"Umowa ubezpieczenia kredytu"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-color:#0082c8;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-padding-top:20px;--awb-padding-bottom:8px;--awb-bg-size:cover;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-1\"><p><span style=\"color: #ffffff; font-size: 36px;\">Umowa ubezpieczenia kredytu<\/span><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:50px;--awb-margin-bottom:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-2\"><h3>Przedmiot ubezpieczenia kredytu<\/h3>\n<ul>\n<li>Nale\u017cno\u015bci z terminem p\u0142atno\u015bci do 180 dni<br \/>\n(wyj\u0105tkowo do 360 dni)<\/li>\n<\/ul>\n<h3>Ryzyka ubezpieczone<\/h3>\n<ul>\n<li>Niewykonanie zobowi\u0105za\u0144 przez klient\u00f3w w zwi\u0105zku z post\u0119powaniem upad\u0142o\u015bciowym<\/li>\n<li>Niewykonanie zobowi\u0105za\u0144 przez klient\u00f3w z powodu przed\u0142u\u017caj\u0105cych si\u0119 p\u0142atno\u015bci<\/li>\n<\/ul>\n<h3>Limity kredytowe<\/h3>\n<p>Wa\u017cnym elementem relacji dotycz\u0105cej ubezpieczenia kredytu pomi\u0119dzy firm\u0105 ubezpieczeniow\u0105 a ubezpieczan\u0105 sp\u00f3\u0142k\u0105 jest ustalenie limitu kredytowego. Firma zajmuj\u0105ca si\u0119 ubezpieczeniami kredyt\u00f3w sprawdza (wi\u0119kszych) klient\u00f3w firmy i ustala limity kredytowe. Limit kredytowy to maksymalna ekspozycja na ryzyko, kt\u00f3r\u0105 zabezpiecza firma zajmuj\u0105ca si\u0119 ubezpieczeniami kredytowymi, uwarunkowana warto\u015bci\u0105 i dynamik\u0105 dostaw towar\u00f3w\/wykonywania us\u0142ug, warunkami p\u0142atno\u015bci, zwykle oczekiwanym (tolerowanym) terminem p\u0142atno\u015bci oraz walut\u0105 dostaw.<\/p>\n<p><strong>PRZYK\u0141AD:<\/strong><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-3\"><p style=\"text-align: left;\"><span style=\"font-size: 24px;\"><strong><span style=\"color: #0082c8;\">PRZYK\u0141AD: <\/span><\/strong><span style=\"color: #0082c8;\">Przewidywana sprzeda\u017c w wysoko\u015bci 100.000 EUR miesi\u0119cznie przy sta\u0142ej dynamice w ci\u0105gu roku.<\/span><\/span><\/p>\n<\/div><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"669\" height=\"300\" title=\"alphacredo3\" src=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo3.jpg\" alt class=\"img-responsive wp-image-1865\" srcset=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo3-200x90.jpg 200w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo3-400x179.jpg 400w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo3-600x269.jpg 600w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo3.jpg 669w\" sizes=\"(max-width: 800px) 100vw, 669px\" \/><\/span><\/div><\/div><div class=\"fusion-text fusion-text-4\"><p><strong>\u00a0<\/strong><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-5\"><p>W przypadkach, gdy firma zajmuj\u0105ca si\u0119 ubezpieczeniami kredyt\u00f3w nie jest w stanie rozszerzy\u0107 ochrony ubezpieczeniowej kredytu dla niekt\u00f3rych nabywc\u00f3w z powodu niewystarczaj\u0105cego ratingu kredytowego, pomagamy naszym klientom w kszta\u0142towaniu strategii wsp\u00f3\u0142pracy z takimi nabywcami, w ramach kt\u00f3rej wykorzystujemy wszelkie dost\u0119pne \u015brodki prawne (np. alternatywne techniki zarz\u0105dzania ryzykiem kredytowym).<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-6\"><h3>Zawieszenie dostaw i windykacja<\/h3>\n<p>Dwie wa\u017cne cechy umowy ubezpieczenia kredytu, kt\u00f3re pomagaj\u0105 wzmocni\u0107 procesy i procedury, to zawieszenie dostaw i windykacja. Zawieszenie dostaw musi by\u0107 uruchomione po 30 dniach od terminu p\u0142atno\u015bci. Je\u015bli tak nie jest, ekspozycja ubezpieczanej firmy na klienta wzrasta (najprawdopodobniej powy\u017cej ustalonego limitu kredytowego), a firma ubezpieczeniowa odmawia oferowania zabezpieczenia. Odst\u0119pstwa od tej og\u00f3lnej zasady s\u0105 mo\u017cliwe za zgod\u0105 ubezpieczanej sp\u00f3\u0142ki i jej d\u0142u\u017cnika oraz za zgod\u0105 firm ubezpieczeniowej.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none zmanjsan-graf\"><img decoding=\"async\" width=\"1024\" height=\"372\" title=\"Graf_pop_SI\" src=\"http:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI-1024x372.jpg\" alt class=\"img-responsive wp-image-1877\" srcset=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI-200x73.jpg 200w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI-400x145.jpg 400w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI-600x218.jpg 600w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI-800x291.jpg 800w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI.jpg 1100w\" sizes=\"(max-width: 800px) 100vw, 1024px\" \/><\/span><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-3 hover-type-none zmanjsan-graf2\"><img decoding=\"async\" width=\"1024\" height=\"414\" title=\"graf_ustavitev_dobav_bang\" src=\"http:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang-1024x414.jpg\" alt class=\"img-responsive wp-image-1868\" srcset=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang-200x81.jpg 200w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang-400x162.jpg 400w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang-600x243.jpg 600w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang-800x324.jpg 800w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang.jpg 1100w\" sizes=\"(max-width: 800px) 100vw, 1024px\" \/><\/span><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-7\"><p>We wszystkich przypadkach, w kt\u00f3rych klienci nie p\u0142ac\u0105 w terminie, pracownicy sp\u00f3\u0142ki uciekaj\u0105 si\u0119 do wewn\u0119trznego upomnienia (pisemne lub ustne przypomnienia o p\u0142atno\u015bci, spotkania, uzgodnienia ze spotka\u0144), kt\u00f3re mog\u0105 by\u0107 r\u00f3wnie\u017c realizowane przy pomocy firmy zajmuj\u0105cej si\u0119 ubezpieczeniami kredyt\u00f3w (komunikacja firmy zajmuj\u0105cej si\u0119 ubezpieczeniami kredyt\u00f3w z klientem itp.). Je\u017celi wewn\u0119trzne procedury s\u0105 niewystarczaj\u0105ce i nie skutkuj\u0105 p\u0142atno\u015bciami klienta w okre\u015blonym terminie po terminie p\u0142atno\u015bci faktury, ubezpieczana sp\u00f3\u0142ka musi skorzysta\u0107 z us\u0142ug zewn\u0119trznych profesjonalnych agencji windykacyjnych lub prawnik\u00f3w. W przypadku niewywi\u0105zania si\u0119 klienta ze zobowi\u0105za\u0144, koszty zewn\u0119trznej windykacji s\u0105 pokrywane przez firm\u0119 zajmuj\u0105c\u0105 si\u0119 ubezpieczeniami kredyt\u00f3w.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-bottom:50px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-8\"><h3>Odszkodowanie<\/h3>\n<p>Odszkodowanie wyp\u0142acane przez firm\u0119 zajmuj\u0105c\u0105 si\u0119 ubezpieczeniami kredyt\u00f3w nast\u0119puje natychmiast po og\u0142oszeniu post\u0119powania upad\u0142o\u015bciowego lub, w przypadku przed\u0142u\u017conej ochrony ubezpieczeniowej, po up\u0142ywie pewnego okresu po terminie p\u0142atno\u015bci faktury i zaanga\u017cowaniu zewn\u0119trznej agencji windykacyjnej.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-9\"><p style=\"text-align: left;\"><span style=\"font-size: 24px;\"><strong><span style=\"color: #0082c8;\">PRZYK\u0141AD:\u00a0<\/span><\/strong><span style=\"color: #0082c8;\">Przed\u0142u\u017caj\u0105ca si\u0119 p\u0142atno\u015b\u0107<\/span><\/span><\/p>\n<\/div><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-4 hover-type-none\"><img decoding=\"async\" width=\"1100\" height=\"298\" title=\"alphacredo1\" src=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1.jpg\" alt class=\"img-responsive wp-image-1863\" srcset=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1-200x54.jpg 200w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1-400x108.jpg 400w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1-600x163.jpg 600w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1-800x217.jpg 800w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1.jpg 1100w\" sizes=\"(max-width: 800px) 100vw, 1100px\" \/><\/span><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-first\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% + 4% ) * 0.25 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type gumb-cta2\" style=\"--button_accent_color:#ffffff;--button_accent_hover_color:#ffffff;--button_border_hover_color:#ffffff;--button_gradient_top_color:#007ac2;--button_gradient_bottom_color:#007ac2;--button_gradient_top_color_hover:#000000;--button_gradient_bottom_color_hover:#000000;\" target=\"_self\" href=\"http:\/\/alpha-credo.com\/pl\/zalety-i-korzysci-ubezpieczenia-kredytu\/\"><span class=\"fusion-button-text\">&lt; ZALETY I KORZY\u015aCI<\/span><\/a><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_2 1_2 fusion-one-half\" style=\"--awb-bg-size:cover;width:50%;width:calc(50% - ( ( 4% + 4% ) * 0.5 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-last\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% + 4% ) * 0.25 ) );\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-9 fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-equal-height-columns\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:110px;--awb-padding-bottom:90px;--awb-margin-top:50px;--awb-margin-bottom:-1px;--awb-background-image:url(&quot;http:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/spoznajtenas-bcg.jpg&quot;);--awb-background-size:cover;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_3 1_3 fusion-one-third fusion-column-first\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% + 4% ) * 0.33333333333333 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_1_3 1_3 fusion-one-third\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% + 4% ) * 0.33333333333333 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_3 1_3 fusion-one-third fusion-column-last\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% + 4% ) * 0.33333333333333 ) );\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-10\"><h1 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Dowiedz si\u0119 o nas wi\u0119cej<\/span><\/h1>\n<\/div><div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-2 fusion-button-default-span fusion-button-default-type gumb-cta2\" style=\"--button_accent_color:#ffffff;--button_accent_hover_color:#ffffff;--button_border_hover_color:#ffffff;--button_gradient_top_color:#007ac2;--button_gradient_bottom_color:#007ac2;--button_gradient_top_color_hover:#000000;--button_gradient_bottom_color_hover:#000000;\" target=\"_self\" href=\"http:\/\/alpha-credo.com\/pl\/zespol\/\"><span class=\"fusion-button-text\">ZESP\u00d3\u0141<\/span><\/a><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.9 - 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