natgillin/translations-raw huggingface dataset:
arten af de produkter, der tilbydes eller påtænkes, herunder de forskellige former for forsikringsbaserede investeringsprodukter
Such a warning may be provided in a standardised format;
om kunden eller den potentielle kunde er detailinvestor eller professionel investor.
the insurance intermediary or insurance undertaking complies with its obligations under Articles 27 and 28.
EIOPA udarbejder senest den 23. august 2017 og ajourfører derefter periodisk retningslinjer for vurdering af forsikringsbaserede investeringsprodukter, der indebærer en struktur, som gør det vanskeligt for kunden at forstå de involverede risici omhandlet i stk. 3, litra a), nr. i).
All insurance intermediaries or insurance undertakings, including those operating under the freedom to provide services or the freedom of establishment, when concluding insurance contracts with customers having their habitual residence or establishment in a Member State which does not make use of the derogation referred to in this paragraph shall comply with the applicable provisions in that Member State.
EIOPA kan udarbejde retningslinjer, og derefter periodisk ajourføre dem, for vurdering af forsikringsbaserede investeringsprodukter, der klassificeres som ikke-komplekse i forbindelse med stk. 3, litra a), nr. ii), under hensyntagen til de delegerede retsakter, der vedtages i henhold til stk. 6.
The insurance intermediary or insurance undertaking shall establish a record that includes the document or documents agreed between the insurance intermediary or insurance undertaking and the customer that set out the rights and obligations of the parties, and the other terms on which the insurance intermediary or insurance undertaking will provide services to the customer.
KAPITEL VII
The rights and duties of the parties to the contract may be incorporated by reference to other documents or legal texts.
SANKTIONER OG ANDRE FORANSTALTNINGER
The insurance intermediary or insurance undertaking shall provide the customer with adequate reports on the service provided on a durable medium.
Artikel 31
Those reports shall include periodic communications to customers, taking into account the type and the complexity of insurance-based investment products involved and the nature of the service provided to the customer and shall include, where applicable, the costs associated with the transactions and services undertaken on behalf of the customer.
Administrative sanktioner og andre foranstaltninger
When providing advice on an insurance-based investment product, the insurance intermediary or the insurance undertaking shall, prior to the conclusion of the contract, provide the customer with a suitability statement on a durable medium specifying the advice given and how that advice meets the preferences, objectives and other characteristics of the customer.
Uden at det berører de kompetente myndigheders tilsynsbeføjelser og medlemsstaternes ret til at fastsætte og pålægge strafferetlige sanktioner, sikrer medlemsstaterne, at deres kompetente myndigheder kan pålægge administrative sanktioner og andre foranstaltninger for alle overtrædelser af de nationale bestemmelser, der gennemfører dette direktiv, og træffer alle fornødne foranstaltninger til sikring af, at de gennemføres.
The conditions set out in Article 23(1) to (4) shall apply.
Medlemsstaterne sikrer, at deres administrative sanktioner og andre foranstaltninger er effektive, står i et rimeligt forhold til overtrædelsen og har afskrækkende virkning.
Where the contract is concluded using a means of distance communication which prevents the prior delivery of the suitability statement, the insurance intermediary or the insurance undertaking may provide the suitability statement on a durable medium immediately after the customer is bound by any contract, provided both of the following conditions are met:
I så fald meddeler medlemsstaterne Kommissionen de relevante strafferetlige bestemmelser.
the insurance intermediary or insurance undertaking has given the customer the option of delaying the conclusion of the contract in order to receive the suitability statement in advance of such conclusion.
De kompetente myndigheder udøver deres tilsynsbeføjelser, herunder undersøgelsesbeføjelser og beføjelser til at pålægge sanktioner i medfør af dette kapitel i overensstemmelse med deres nationale retslige rammer på alle følgende måder:
Where an insurance intermediary or an insurance undertaking has informed the customer that it will carry out a periodic assessment of suitability, the periodic report shall contain an updated statement of how the insurance-based investment product meets the customer’s preferences, objectives and other characteristics of the customer.
direkte
The Commission shall be empowered to adopt delegated acts in accordance with Article 38 to further specify how insurance intermediaries and insurance undertakings are to comply with the principles set out in this Article when carrying out insurance distribution activities with their customers, including with regard to the information to be obtained when assessing the suitability and appropriateness of insurance-based investment products for their customers, the criteria to assess non-complex insurance-based investment products for the purposes of point (ii) of point (a) of paragraph 3 of this Article, and the content and format of records and agreements for the provision of services to customers and of periodic reports to customers on the services provided.
i samarbejde med andre myndigheder
Those delegated acts shall take into account:
ved henvendelse til de kompetente retslige myndigheder.
the nature of the products being offered or considered including different types of insurance-based investment products;
Medlemsstaterne sikrer, hvor forpligtelser er gældende for forsikrings- eller genforsikringsdistributører, at der i tilfælde af misligholdelse af sådanne forpligtelser kan anvendes administrative sanktioner og andre foranstaltninger over for medlemmerne af deres ledelses- eller tilsynsorganer samt enhver anden fysisk eller juridisk person, som i henhold til national ret er ansvarlig for en sådan overtrædelse.
the retail or professional nature of the customer or potential customer.
Medlemsstaterne sikrer, at administrative sanktioner og andre foranstaltninger, der træffes i henhold til denne artikel, er omfattet af klageadgang.
By 23 August 2017, EIOPA shall develop guidelines, and thereafter update them periodically, for the assessment of insurance-based investment products that incorporate a structure which makes it difficult for the customer to understand the risks involved as referred to in point (i) of point (a) of paragraph 3.
De kompetente myndigheder tillægges alle de undersøgelsesbeføjelser, der er nødvendige for, at de kan varetage deres funktioner.
EIOPA may develop guidelines, and thereafter update them periodically, for the assessment of insurance-based investment products being classified as non complex for the purpose of point (ii) of point (a) of paragraph 3, taking into account the delegated acts adopted under paragraph 6.
De kompetente myndigheder iværksætter et tæt samarbejde ved udøvelsen af deres beføjelser til at pålægge administrative sanktioner og andre foranstaltninger for at sikre, at disse sanktioner og foranstaltninger får de ønskede virkninger, ligesom de koordinerer deres indsats i forbindelse med sager på tværs af grænserne, samtidig med at de sikrer, at betingelserne for korrekt databehandling overholdes i overensstemmelse med direktiv 95/46/EF og forordning (EF) nr. 45/2001.
CHAPTER VII
Hvis medlemsstaterne i henhold til stk. 2 i denne artikel har valgt at fastsætte strafferetlige sanktioner for overtrædelse af bestemmelserne i artikel 33, sikrer de, at der er truffet passende foranstaltninger, således at de kompetente myndigheder har alle de nødvendige beføjelser til at:
SANCTIONS AND OTHER MEASURES
forsyne andre kompetente myndigheder og EIOPA med tilsvarende oplysninger, således at de opfylder deres forpligtelse til at samarbejde med hinanden og med EIOPA om anvendelsen af dette direktiv.
Article 31
Artikel 32
Administrative sanctions and other measures
Offentliggørelse af sanktioner og andre foranstaltninger
Without prejudice to the supervisory powers of competent authorities and the right of Member States to provide for and impose criminal sanctions, Member States shall ensure that their competent authorities may impose administrative sanctions and other measures applicable to all infringements of the national provisions implementing this Directive, and shall take all measures necessary to ensure that they are implemented.
Medlemsstaterne sikrer, at de kompetente myndigheder uden unødig forsinkelse offentliggør administrative sanktioner eller andre foranstaltninger, der er pålagt som følge af overtrædelse af nationale bestemmelser, der gennemfører dette direktiv, og for hvilke tidsfristen for indgivelse af en klage er overskredet, herunder også oplysninger om overtrædelsens form og art og identiteten af de ansvarlige personer.
Member States shall ensure that their administrative sanctions and other measures are effective, proportionate and dissuasive.
Hvis den kompetente myndighed anser offentliggørelsen af de juridiske personers identitet eller de fysiske personers identitet eller personoplysninger for at være ude af proportioner efter en individuel vurdering af proportionaliteten af offentliggørelsen af sådanne oplysninger, eller hvis offentliggørelsen udgør en trussel mod de finansielle markeders stabilitet eller en igangværende efterforskning, kan den kompetente myndighed dog beslutte at udsætte offentliggørelsen af sanktionerne, ikke at offentliggøre dem eller at offentliggøre dem i anonym form.
Member States may decide not to lay down rules on administrative sanctions under this Directive for infringements which are subject to criminal sanctions under their national law.
Hvis national ret fastsætter, at en afgørelse om at pålægge en sanktion eller anden foranstaltning, som er genstand for prøvelse ved de relevante retslige eller andre myndigheder, skal offentliggøres, offentliggør de kompetente myndigheder uden unødig forsinkelse disse oplysninger og eventuelle senere oplysninger om prøvelsens udfald på deres officielle websted.
In that case, Member States shall communicate to the Commission the relevant criminal law provisions.
Endvidere offentliggøres også enhver afgørelse om annullering af en tidligere afgørelse om at pålægge en sanktion eller anden foranstaltning, som er blevet offentliggjort.
Competent authorities shall exercise their supervisory powers, including investigatory powers and powers to impose sanctions provided for in this Chapter, in accordance with their national legal frameworks in any of the following ways:
De kompetente myndigheder oplyser EIOPA om alle de administrative sanktioner og andre foranstaltninger, der pålægges, men ikke offentliggøres i henhold til stk. 1, herunder eventuelle anker i denne forbindelse og resultater af disse.
directly;
Artikel 33
in collaboration with other authorities;
Overtrædelser og sanktioner samt andre foranstaltninger
by application to the competent judicial authorities.
Denne artikel finder som minimum anvendelse på følgende:
Member States shall ensure that where obligations apply to insurance or reinsurance distributors, in the event of a breach of any such obligation, administrative sanctions against, and other measures with regard to, the members of their management or supervisory body, and any other natural or legal persons who, under national law, are responsible for such breach, can be applied.
personer, der undlader at registrere deres distributionsvirksomhed i overensstemmelse med artikel 3
Member States shall ensure that administrative sanctions and other measures taken in accordance with this Article are subject to a right of appeal.
et forsikrings- eller genforsikringsselskab eller en forsikrings- eller genforsikringsformidler, der benytter forsikrings- eller genforsikringsdistributionsydelser fra personer som omhandlet i litra a)
The competent authorities shall be given all investigatory powers that are necessary for the exercise of their functions.
en forsikrings- eller genforsikringsformidler eller accessorisk forsikringsformidler, der har opnået registrering ved at afgive urigtige erklæringer eller på anden ulovlig vis i strid med artikel 3
In the exercise of their powers to impose administrative sanctions and other measures, the competent authorities shall cooperate closely to ensure that those sanctions and measures produce the desired results and coordinate their action when dealing with cross-border cases, while ensuring that the conditions are met for legitimate data processing in accordance with Directive 95/46/EC and Regulation (EC) No 45/2001.
en forsikringsdistributør, som ikke opfylder bestemmelserne i artikel 10
Where Member States have chosen, in accordance with paragraph 2 of this Article, to lay down criminal sanctions for infringements of the provisions referred to in Article 33, they shall ensure that appropriate measures are in place so that competent authorities have all the necessary powers to:
en forsikringsdistributør, som ikke opfylder kravene til god forretningsskik i kapitel V i forbindelse med andre forsikringsprodukter end dem, der er omhandlet i litra e).
provide such information to other competent authorities and EIOPA to fulfil their obligation to cooperate with each other and with EIOPA for the purposes of this Directive.
Medlemsstaterne sikrer, at de kompetente myndigheder har beføjelse til i tilfælde af overtrædelser som omhandlet i stk. 1, litra e), i overensstemmelse med national ret at pålægge som minimum følgende administrative sanktioner og andre foranstaltninger:
Article 32
en offentlig meddelelse, hvori den ansvarlige fysiske eller juridiske person og overtrædelsens art anføres
Publication of sanctions and other measures
en afgørelse, hvorefter det pålægges den ansvarlige fysiske eller juridiske person at bringe den udviste handlemåde til ophør og at afholde sig fra at gentage en sådan handlemåde
Member States shall ensure that the competent authorities publish any administrative sanction or other measure that has been imposed for breaches of the national provisions implementing this Directive and against which no appeal was lodged in time, without undue delay, including information on the type and nature of the breach and the identity of persons responsible for it.
for forsikringsformidlere, inddragelse af registreringen som omhandlet i artikel 3
However, where the publication of the identity of the legal persons, or identity or personal data of natural persons, is considered by the competent authority to be disproportionate following a case-by-case assessment conducted on the proportionality of the publication of such data or where publication jeopardises the stability of financial markets or an ongoing investigation, the competent authority may decide to defer publication, not to publish, or to publish the sanctions on an anonymous basis.
et midlertidigt forbud mod varetagelse af ledelseshverv hos forsikringsformidlere eller i forsikringsselskaber, som pålægges et hvilket som helst medlem af forsikringsformidlerens eller forsikringsselskabets ledelsesorgan, der anses for at være ansvarlig
Where national law provides for the publication of a decision to impose a sanction or other measure which is subject to an appeal before the relevant judicial or other authorities, the competent authorities shall publish on their official website, without undue delay, such information and any subsequent information on the outcome of such appeal.
for juridiske personer, følgende maksimale administrative bøder:
Moreover, any decision annulling a previous decision to impose a sanction or other measure which has been published shall also be published.
mindst 5000000 EUR eller op til 5 % af den samlede årsomsætning i henhold til det seneste tilgængelige regnskab, som ledelsesorganet har godkendt, eller i medlemsstater, der ikke har euroen som valuta, den tilsvarende værdi i national valuta på datoen for dette direktivs ikrafttræden.
Competent authorities shall inform EIOPA of all administrative sanctions and other measures imposed, but not published in accordance with paragraph 1, including any appeal in relation thereto and the outcome thereof.
op til det dobbelte af den fortjeneste, der er opnået, eller af det tab, der er undgået som følge af overtrædelsen, såfremt fortjenesten eller tabet kan beregnes
Article 33
for fysiske personer, følgende maksimale administrative bøder:
Breaches, and sanctions and other measures
op til det dobbelte af den fortjeneste, der er opnået, eller af det tab, der er undgået som følge af overtrædelsen, såfremt fortjenesten eller tabet kan beregnes.
This Article shall apply to at least the following:
Medlemsstaterne sikrer, at de kompetente myndigheder har beføjelse til i tilfælde af overtrædelser som omhandlet i stk. 1, litra a)-d) og f), i henhold til national ret at pålægge som minimum følgende administrative sanktioner og andre foranstaltninger:
persons who fail to register their distribution activities in accordance with Article 3;
for en forsikrings- eller genforsikringsformidler eller accessorisk forsikringsformidler, inddragelse af registreringen som omhandlet i artikel 3.
an insurance or reinsurance undertaking or insurance or reinsurance intermediary using the insurance or reinsurance distribution services of persons referred to in point (a);
Medlemsstaterne kan bemyndige de kompetente myndigheder til at fastsætte yderligere sanktioner eller andre foranstaltninger og administrative bøder, der er højere end dem, der er fastsat i denne artikel.
an insurance, reinsurance or ancillary insurance intermediary who obtained a registration through false statements or any other irregular means in breach of Article 3;
Artikel 34
an insurance distributor who fails to meet the provisions of Article 10;
Effektiv anvendelse af sanktioner og andre foranstaltninger
an insurance undertaking or insurance intermediary failing to comply with conduct of business requirements set out in Chapters V and VI, in relation to the distribution of insurance-based investment products;
Medlemsstaterne sikrer, at de kompetente myndigheder ved valget af arten af administrative sanktioner eller andre foranstaltninger og fastsættelsen af størrelsen af de administrative bøder tager højde for alle relevante omstændigheder, herunder i givet fald:
an insurance distributor who fails to comply with conduct of business requirements set out in Chapter V, in relation to any insurance product other than those referred to in point (e).
overtrædelsens grovhed og varighed
In the event of any of the breaches referred to in point (e) of paragraph 1, Member States shall ensure that the competent authorities have the power to impose, in accordance with national law, at least the following administrative sanctions and other measures:
den ansvarlige fysiske eller juridiske persons grad af ansvar
a public statement, which indicates the responsible natural or legal person and the nature of the breach;
den ansvarlige fysiske eller juridiske persons finansielle styrke med udgangspunkt i den ansvarlige fysiske persons årsindkomst eller den ansvarlige juridiske persons samlede omsætning
an order requiring the responsible natural or legal person to cease the conduct and to desist from a repetition of that conduct;
den ansvarlige fysiske eller juridiske persons fortjeneste eller undgåede tab, såfremt disse beløb kan beregnes
in the case of an insurance intermediary, withdrawal of the registration referred to in Article 3;
tabene for kunder og tredjeparter, som kan tilskrives overtrædelsen, såfremt de kan beregnes
a temporary ban on the exercise of management functions in insurance intermediaries or insurance undertakings imposed against any member of the management body of the insurance intermediary or insurance undertaking who is held responsible;
den ansvarlige fysiske eller juridiske persons vilje til at samarbejde med den kompetente myndighed
in the case of a legal person, the following maximum administrative pecuniary sanctions:
eventuelle overtrædelser, som den ansvarlige fysiske eller juridiske person tidligere har begået.
at least EUR 5000000 or up to 5 % of the total annual turnover according to the last available accounts approved by the management body, or in the Member States whose currency is not the euro, the corresponding value in the national currency on the date of entry into force of this Directive.
Indberetning af overtrædelser
up to twice the amount of the profits gained or losses avoided because of the breach, where those can be determined;
Medlemsstaterne sikrer, at de kompetente myndigheder indfører effektive ordninger, som muliggør og tilskynder til indberetning til dem af mulige eller faktiske overtrædelser af nationale bestemmelser til gennemførelse af dette direktiv.
in the case of a natural person, the following maximum administrative pecuniary sanctions:
særlige procedurer for modtagelse af indberetninger om overtrædelser og opfølgningen heraf
up to twice the amount of the profits gained or losses avoided because of the breach, where those can be determined.
beskyttelse af identiteten af både den person, som indberetter overtrædelserne, og den fysiske person, som formodes at være ansvarlig for overtrædelsen, på alle stadier af proceduren, medmindre offentliggørelse heraf er påkrævet i henhold til national ret i forbindelse med videre efterforskning eller efterfølgende administrative eller retlige procedurer.
In the event of any of the breaches referred to in points (a) to (d) and (f) of paragraph 1, Member States shall ensure that the competent authorities have the power to impose, in accordance with national law, at least the following administrative sanctions and other measures:
Artikel 36
in the case of an insurance, reinsurance or ancillary insurance intermediary, withdrawal of the registration referred to in Article 3.
Fremsendelse af oplysninger om sanktioner og andre foranstaltninger til EIOPA
Member States may empower competent authorities to provide for additional sanctions or other measures and for levels of administrative pecuniary sanctions which are higher than those provided for in this Article.
De kompetente myndigheder oplyser EIOPA om alle de administrative sanktioner og andre foranstaltninger, der pålægges, men ikke offentliggøres i henhold til artikel 32, stk. 1.
Article 34
De kompetente myndigheder giver årligt EIOPA sammenfattede oplysninger vedrørende alle administrative sanktioner og andre foranstaltninger, der er iværksat i henhold til artikel 31.
Effective application of sanctions and other measures
EIOPA offentliggør disse oplysninger i en årsrapport.
Member States shall ensure that when determining the type of administrative sanctions or other measures and the level of administrative pecuniary sanctions, the competent authorities take into account all relevant circumstances, including where appropriate:
Har den kompetente myndighed offentliggjort oplysninger om en administrativ sanktion eller anden foranstaltning, underretter den samtidig EIOPA herom.
the gravity and the duration of the breach;
KAPITEL VIII
the degree of responsibility of the responsible natural or legal person;
AFSLUTTENDE BESTEMMELSER
the financial strength of the responsible natural or legal person, as indicated by either the annual income of the responsible natural person or the total turnover of the responsible legal person;
Artikel 37
the importance of profits gained or losses avoided by the responsible natural or legal person, in so far as they can be determined;
Databeskyttelse
the losses for customers and third parties caused by the breach, in so far as they can be determined;
Medlemsstaterne anvender direktiv 95/46/EF på behandlingen af personoplysninger i medlemsstaterne i medfør af dette direktiv.
the level of cooperation of the responsible natural or legal person with the competent authority;
Forordning (EF) nr. 45/2001 finder anvendelse på EIOPA's behandling af personoplysninger i medfør af dette direktiv.
any previous breaches by the responsible natural or legal person.
Artikel 38
Article 35
Delegerede retsakter
Reporting of breaches