natgillin/translations-raw huggingface dataset:
This Regulation shall be binding in its entirety and directly applicable in all Member States.
ZAVRŠNE ODREDBE
Done at Brussels, 21 September 2017.
Članak 13.
OJ L 26, 2.2.2016, p. 19.
Primjenjuje se od 23. veljače 2018.
Regulation (EU) No 1094/2010 of the European Parliament and of the Council of 24 November 2010 establishing a European Supervisory Authority (European Insurance and Occupational Pensions Authority), amending Decision No 716/2009/EC and repealing Commission Decision 2009/79/EC (OJ L 331, 15.12.2010, p. 48).
Ova je Uredba u cijelosti obvezujuća i izravno se primjenjuje u svim državama članicama.
Technical Advice on possible delegated acts concerning the Insurance Distribution Directive, EIOPA-17/048, 1 February 2017, available here: https://eiopa.europa.eu/Publications/Consultations/EIOPA%20Technical%20Advice%20on%20the%20IDD.pdf.
Sastavljeno u Bruxellesu 21. rujna 2017.
supplementing Directive (EU) 2016/97 of the European Parliament and of the Council with regard to information requirements and conduct of business rules applicable to the distribution of insurance-based investment products
o dopuni Direktive (EU) 2016/97 Europskog parlamenta i Vijeća u pogledu obveze informiranja i pravila poslovnog ponašanja koja se primjenjuju na distribuciju investicijskih proizvoda osiguranja
Having regard to Directive (EU) 2016/97 of the European Parliament and of the Council of 20 January 2016 on insurance distribution [1], and in particular Articles 28(4), 29(4) and 30(6) thereof,
uzimajući u obzir Direktivu (EU) 2016/97 Europskog parlamenta i Vijeća od 20. siječnja 2016. o distribuciji osiguranja [1], a posebno njezin članak 28. stavak 4., članak 29. stavak 4. i članak 30. stavak 6.,
Directive (EU) 2016/97 provides for a set of specific standards aimed at addressing insurance-based investment products, in addition to the conduct of business standards laid down for all insurance products.
Direktivom (EU) 2016/97 predviđen je skup posebnih standarda za investicijske proizvode osiguranja, uz standarde poslovnog ponašanja utvrđene za sve proizvode osiguranja.
Directive (EU) 2016/97 empowers the Commission to adopt delegated acts to further specify criteria and practical details for the application of that specific set of rules.
Direktivom (EU) 2016/97 Komisija se ovlašćuje za donošenje delegiranih akata za dodatno utvrđivanje kriterija i praktičnih pojedinosti za primjenu tog skupa pravila.
While disclosure of specific conflicts of interest is required under Directive (EU) 2016/97, it should be a measure of last resort to be used only where the organisational and administrative arrangements are not sufficient to ensure, with reasonable confidence, that risks of damage to the interests of the customer will be prevented since over-reliance on disclosure may result in a lack of effective protection of the customer's interests.
Iako se Direktivom (EU) 2016/97 zahtijeva objavljivanje konkretnih sukoba interesa, to bi trebalo biti krajnja mjera koja se primjenjuje samo ako organizacijske i administrativne mjere nisu dovoljne kako bi se u razumnoj mjeri osiguralo sprečavanje rizika od nastanka štete za interese potrošača s obzirom na to da zbog pretjeranog oslanjanja na objavljivanje može izostati učinkovita zaštita interesa potrošača.
The suitability assessment set out in Article 30(1) of Directive (EU) 2016/97 and the appropriateness assessment set out in Article 30(2) of that Directive are different in scope with regard to the distribution activities to which they relate, and have different functions and characteristics.
Procjena primjerenosti utvrđena člankom 30. stavkom 1.
It is therefore necessary to clearly specify the standards and requirements to be complied with in obtaining the information required for each of those assessments and in conducting the assessments.
Direktive (EU) 2016/97 i procjena prikladnosti utvrđena člankom 30. stavkom 2. te Direktive imaju različito područje primjene u pogledu aktivnosti distribucije na koje se odnose te različite funkcije i karakteristike.
It should also be clarified that the assessments of suitability and appropriateness are without prejudice to the obligation, for insurance intermediaries and insurance undertakings, to specify, prior to the conclusion of any insurance contract, on the basis of information obtained from the customer, the demands and needs of that customer.
Stoga je nužno jasno utvrditi standarde i zahtjeve koje je potrebno ispuniti pri prikupljanju informacija potrebnih za svaku procjenu i pri njihovom obavljanju.
The suitability assessment should be performed not only in relation to recommendations to buy an insurance-based investment product, but for all personal recommendations made during the life-time of that product, as such situations may imply advice on financial transactions which should be based on a thorough analysis of the knowledge and experience and the financial situation of the individual customer.
Potrebno je pojasniti i da se procjenama primjerenosti i prikladnosti ne dovodi u pitanje obveza posrednika u osiguranju i društava za osiguranje da prije sklapanja ugovora o osiguranju utvrde zahtjeve i potrebe određenog potrošača na temelju informacija koje su dobili od njega.
The need for a suitability assessment is particularly strong as regards decisions to switch the underlying investment assets or to hold or sell an insurance-based investment product.
Procjenu primjerenosti potrebno je obaviti ne samo za preporuke za kupnju investicijskog proizvoda osiguranja, nego za sve osobne preporuke tijekom trajanja tog proizvoda jer se u tim situacijama mogu podrazumijevati savjeti o financijskim transakcijama koji bi se trebali temeljiti na pomnoj analizi znanja i iskustva te financijskoj situaciji pojedinačnog potrošača.
Since the market exposure of insurance-based investment products depends largely on the choice of underlying investment assets, such a product may be unsuitable for the customer or potential customer due to the risks of those assets, the type or characteristics of the product or the frequency of switching of underlying investment assets.
Potreba za procjenom primjerenosti posebno je izražena u slučaju odluka o zamjeni odnosne ulagateljske imovine ili o držanju ili prodaji investicijskog proizvoda osiguranja.
It might also be unsuitable where it would result in an unsuitable portfolio of underlying investments.
Budući da tržišna izloženost investicijskog proizvoda osiguranja u velikoj mjeri ovisi o odabiru temeljne ulagateljske imovine, takav proizvod može biti neprimjeren za potrošača ili potencijalnog potrošača zbog rizika te imovine, vrste ili karakteristika proizvoda ili učestalosti zamjene odnosne ulagateljske imovine.
Insurance intermediaries and insurance undertakings should remain responsible for performing suitability assessments where advice on insurance-based investment products is provided in whole or in part through an automated or semi-automated system since such systems are providing personal investment recommendations which should be based on a suitability assessment.
Proizvod može biti neprimjeren i ako bi zbog njega portfelj odnosnih ulaganja postao neprimjeren.
To ensure an appropriate standard of advice with regard to the long-term development of the product, insurance intermediaries or insurance undertakings should include in the suitability statement, and draw customers' attention to, information on whether the recommended insurance-based investment products are likely to require the customer to seek a periodic review of their arrangement.
Posrednici u osiguranju i društva za osiguranje trebali bi i dalje biti odgovorni za obavljanje procjena primjerenosti ako se usluge savjetovanja o investicijskim proizvodima osiguranja u cijelosti ili djelomično pružaju putem automatskog ili poluautomatskog sustava jer ti sustavi daju osobne preporuke za ulaganje koje bi se trebale temeljiti na procjeni primjerenosti.
As the assessment of appropriateness has, in principle, to be conducted in all cases where insurance-based investment products are sold without advice, insurance intermediaries and insurance undertakings should perform such an assessment in all situations where, in conformity with the applicable rules of national law, the customer requires a sale without advice and where the conditions of Article 30(3) of Directive (EU) 2016/97 are not met.
Kako bi se osigurao odgovarajući standard usluge savjetovanja u pogledu dugoročnog razvoja proizvoda, posrednici u osiguranju ili društva za osiguranje trebali bi u izjavi o primjerenosti navesti i potrošačima skrenuti pozornost na informacije o tome je li vjerojatno da će potrošač za preporučene investicijske proizvode osiguranja morati tražiti redovno preispitivanje njihovih mehanizama.
For the purposes of point (a)(ii) of Article 30(3) of Directive (EU) 2016/97, criteria should be set for the assessment of whether an insurance-based investment product that does not meet the conditions set out in point (a)(i) of Article 30(3) of Directive (EU) 2016/97 might nevertheless be considered a non-complex product.
Za potrebe članka 30. stavka 3. točke (a) podtočke ii.
In that context, the provision of guarantees can play an important role.
Direktive (EU) 2016/97 potrebno je utvrditi kriterije za procjenu može li se investicijski proizvod osiguranja koji ne ispunjava uvjete iz članka 30. stavka 3. točke (a) podtočke i.
Where an insurance-based investment product provides a guarantee at maturity that covers at least the total amount paid by the customer, excluding legitimate costs, such guarantee limits significantly the extent to which the customer is exposed to market fluctuations.
Direktive (EU) 2016/97 ipak smatrati jednostavnim proizvodom.
It may therefore be justified to consider such a product, subject to further conditions, as a non-complex product for the purposes of Article 30(3) of Directive (EU) 2016/97.
U tom kontekstu jamstva mogu imati važnu ulogu.
Directive (EU) 2016/97 is aimed at minimum harmonisation and does therefore not preclude Member States from maintaining or introducing more stringent provisions in order to protect customers, provided that such provisions are consistent with Union law.
Ako investicijski proizvod osiguranja uključuje jamstvo po dospijeću kojim je obuhvaćen najmanje ukupni iznos uplata potrošača, ne uključujući legitimne troškove, tim se jamstvom osjetno ograničava mjera u kojoj je potrošač izložen fluktuacijama na tržištu.
Any provisions adopted by the Commission for the purposes of further specifying the requirements laid down in Directive (EU) 2016/97 should therefore be designed in a way that allows Member States to maintain stricter provisions in their national laws.
Stoga bi takav proizvod, uz ispunjavanje dodatnih uvjeta, za potrebe članka 30. stavka 3.
In order to allow competent authorities and insurance professionals to adapt to the new requirements contained in this Regulation, the starting date of application of this Regulation should be aligned with the entry into application of the national measures transposing Directive (EU) 2016/97.
Direktive (EU) 2016/97 bilo opravdano smatrati jednostavnim proizvodom.
The European Insurance and Occupational Pensions Authority, established by Regulation (EU) No 1094/2010 of the European Parliament and of the Council [2], has been consulted for technical advice [3],
Svrha je Direktive (EU) 2016/97 minimalno usklađivanje te se njome ne bi trebalo priječiti državama članicama da zadrže ili uvedu strože odredbe u cilju zaštite potrošača, uz uvjet da su te odredbe u skladu s pravom Unije.
HAS ADOPTED THIS REGULATION:
Sve odredbe koje Komisija donese za potrebe dodatnog određivanja zahtjeva utvrđenih Direktivom (EU) 2016/97 trebale bi državama članicama omogućiti zadržavanje strožih odredbi u njihovim nacionalnim pravima.
CHAPTER I
Kako bi se nadležnim tijelima i društvima za osiguranje omogućilo prilagođavanje novim zahtjevima iz ove Uredbe, datum početka njezine primjene potrebno je uskladiti s datumom početka primjene nacionalnih mjera kojima se prenosi Direktiva (EU) 2016/97.
SCOPE AND DEFINITIONS
Od Europskog nadzornog tijela za osiguranje i strukovno mirovinsko osiguranje osnovanog Uredbom (EU) br. 1094/2010 Europskog parlamenta i Vijeća [2] zatraženi su tehnički savjeti [3],
Scope
POGLAVLJE I.
This Regulation shall apply to insurance distribution in relation to the sale of insurance-based investment products carried out by insurance intermediaries or insurance undertakings.
PODRUČJE PRIMJENE I DEFINICIJE
Definitions
Područje primjene
For the purposes of this Regulation, the following definitions shall apply:
Ova Uredba primjenjuje se na distribuciju osiguranja u pogledu prodaje investicijskih proizvoda osiguranja koju obavljaju posrednici u osiguranju ili društva za osiguranje.
‘relevant person’ in relation to an insurance intermediary or insurance undertaking, means any of the following:
Članak 2.
a director, partner or equivalent, or manager of the intermediary or undertaking, where applicable;
Definicije
an employee of the insurance intermediary or insurance undertaking, as well as any other natural person whose services are placed at the disposal and under the control of the insurance intermediary or insurance undertaking and who is involved in the distribution of insurance-based investment products;
Za potrebe ove Uredbe primjenjuju se sljedeće definicije:
a natural person who is directly involved in the provision of services to the insurance intermediary or insurance undertaking under an outsourcing agreement for the purpose of the distribution by the intermediary or undertaking of insurance-based investment products;
„relevantna osoba” u odnosu na posrednika u osiguranju ili društvo za osiguranje znači sljedeće:
‘inducement’ means any fee, commission, or any non-monetary benefit provided by or to such an intermediary or undertaking in connection with the distribution of an insurance-based investment product, to or by any party except the customer involved in the transaction in question or a person acting on behalf of that customer;
direktor, partner ili slično ili rukovoditelj posrednika ili društva, ovisno o slučaju;
‘inducement scheme’ means a set of rules governing the payment of inducements, including the conditions under which the inducements are paid.
zaposlenik posrednika u osiguranju ili društva za osiguranje, kao i bilo koja druga fizička osoba čije su usluge stavljene na raspolaganje i pod kontrolu posrednika u osiguranju ili društva za osiguranje i koja je uključena u distribuciju investicijskih proizvoda osiguranja;
CHAPTER II
fizička osoba koja je izravno uključena u pružanje usluga posredniku u osiguranju ili društvu za osiguranje na temelju sporazuma o izdvajanju poslovnih procesa, a u svrhu distribucije investicijskih proizvoda osiguranja od strane posrednika ili društva;
CONFLICTS OF INTEREST AND INDUCEMENTS
„poticaj” znači naknada, provizija ili nenovčana korist koju daje posrednik ili društvo u vezi s distribucijom investicijskog proizvoda osiguranja bilo kojoj strani osim potrošača ili osobe koja djeluje u njegovo ime, ili prima od nje;
Article 3
„sustav poticaja” znači skup pravila kojima se uređuje plaćanje poticaja, uključujući uvjete za plaćanje poticaja.
Identification of conflicts of interest
POGLAVLJE II.
For the purposes of identifying, in accordance with Article 28 of Directive (EU) 2016/97, the types of conflicts of interest that arise in the course of carrying out any insurance distribution activities related to insurance-based investment products and which entail a risk of damage to the interests of a customer, insurance intermediaries and insurance undertakings shall assess whether they, a relevant person or any person directly or indirectly linked to them by control, have an interest in the outcome of the insurance distribution activities, which meets the following criteria:
SUKOBI INTERESA I POTICAJI
it is distinct from the customer's or potential customer's interest in the outcome of the insurance distribution activities;
Članak 3.
it has the potential to influence the outcome of the distribution activities to the detriment of the customer.
Utvrđivanje sukoba interesa
Insurance intermediaries and insurance undertakings shall proceed in the same way for the purposes of identifying conflicts of interest between one customer and another.
U skladu s člankom 28.
For the purposes of the assessment pursuant to paragraph 1, insurance intermediaries and insurance undertakings shall take into account, by way of minimum criteria, the following situations:
Direktive (EU) 2016/97 za potrebe utvrđivanja vrsti sukoba interesa do kojih dolazi tijekom obavljanja aktivnosti distribucije osiguranja u pogledu prodaje investicijskih proizvoda osiguranja, a koji uključuje rizik od nastanka štete za interese potrošača, posrednici u osiguranju i društva za osiguranje procjenjuju imaju li oni, relevantna osoba ili bilo koja osoba koja je s njima izravno ili neizravno povezana putem kontrole, interes za ishod aktivnosti distribucije osiguranja koji ispunjava sljedeće kriterije:
the insurance intermediary or insurance undertaking, a relevant person or any person directly or indirectly linked to them by control is likely to make a financial gain, or avoid a financial loss, to the potential detriment of the customer;
ne podudara se s interesom za ishod aktivnosti distribucije osiguranja potrošača ili potencijalnog potrošača;
the insurance intermediary or insurance undertaking, a relevant person or any person directly or indirectly linked to them by control has a financial or other incentive to favour the interest of another customer or group of customers over the interest of the customer;
može utjecati na ishod aktivnosti distribucije osiguranja na štetu potrošača.
the insurance intermediary or insurance undertaking, a relevant person or any person directly or indirectly linked by control to an insurance intermediary or an insurance undertaking is substantially involved in the management or development of insurance-based investment products, in particular where such a person has an influence on the pricing of those products or their distribution costs.
Posrednici u osiguranju i društva za osiguranje postupaju jednako pri utvrđivanju sukoba interesa između potrošača.
Article 4
Za potrebe procjene u skladu sa stavkom 1. posrednici u osiguranju i društva za osiguranje uzimaju u obzir s pomoću minimalnih kriterija sljedeće situacije:
Conflicts of interest policy
posrednik u osiguranju ili društvo za osiguranje, relevantna osoba ili bilo koja osoba koja je s njima izravno ili neizravno povezana putem kontrole vjerojatno će ostvariti financijsku dobit ili izbjeći financijski gubitak na moguću štetu potrošača;
For the purposes of Article 27 of Directive (EU) 2016/97, insurance intermediaries and insurance undertakings shall be expected to establish, implement and maintain an effective conflicts of interest policy set out in writing and appropriate to their size and organisation and the nature, scale and complexity of their business.
posrednik u osiguranju ili društvo za osiguranje, relevantna osoba ili bilo koja osoba koja je s njima izravno ili neizravno povezana putem kontrole ima financijski ili drugi motiv da stavi interes drugog potrošača ili skupine potrošača ispred interesa potrošača;
Where the insurance intermediary or insurance undertaking is a member of a group, the policy shall also take into account any circumstances, of which the insurance intermediary or insurance undertaking is or should be aware, which may give rise to a conflict of interest arising as a result of the structure and business activities of other members of the group.
posrednik u osiguranju ili društvo za osiguranje, relevantna osoba ili bilo koja osoba koja je s njima izravno ili neizravno povezana putem kontrole u velikoj je mjeri uključena u upravljanje investicijskim proizvodima osiguranja ili njihov razvoj, posebno ako ima utjecaja na određivanje cijene ili troškova distribucije tih proizvoda.
The conflicts of interest policy established in accordance with paragraph 1 shall include the following content:
Članak 4.
with reference to the specific insurance distribution activities carried out, the circumstances which constitute or may give rise to a conflict of interest entailing a risk of damage to the interests of one or more customers;
Politika upravljanja sukobima interesa
procedures to be followed and measures to be adopted in order to manage such conflicts and prevent them from damaging the interests of the customer.
Za potrebe članka 27.
Article 5
Direktive (EU) 2016/97 od posrednika u osiguranju i društva za osiguranje očekuje se uspostava, provedba i održavanje učinkovite politike upravljanja sukobima interesa utvrđene u pisanom obliku i primjerene veličini, organizaciji te vrsti, opsegu i složenosti njihova poslovanja.
Procedures and measures under the conflicts of interest policy
Ako je posrednik u osiguranju ili društvo za osiguranje član grupe, politikom se vodi računa i o svim okolnostima o kojima posrednik u osiguranju ili društvo za osiguranje ima ili bi trebalo imati saznanja, a koje bi mogle dovesti do sukoba interesa zbog strukture i poslovnih aktivnosti drugih članova grupe.
The procedures and measures referred to in Article 4(2)(b) shall be appropriate to the size and activities of the insurance intermediary or insurance undertaking and of the group to which they may belong, and to the risk of damage to the interests of the customer.
Politika upravljanja sukobom interesa, uspostavljena u skladu sa stavkom 1., ima sljedeći sadržaj:
The procedures to be followed and measures to be adopted in accordance with Article 4(2)(b) shall include, where appropriate, the following:
s obzirom na posebne poslove distribucije osiguranja, okolnosti koje predstavljaju ili koje mogu dovesti do sukoba interesa koji podrazumijeva rizik od nastanka štete za interese jednog potrošača ili više njih;
effective procedures to prevent or control the exchange of information between relevant persons engaged in activities involving a risk of conflict of interest where the exchange of that information may damage the interests of one or more customers;
postupci koje je potrebno primjenjivati i mjere koje je potrebno donijeti za upravljanje sukobima interesa i sprečavanje nastanka štete za interese potrošača.
the separate supervision of relevant persons whose principal functions involve carrying out activities on behalf of, or providing services, to customers whose interests may conflict, or who otherwise represent different interests that may conflict, including those of the insurance intermediary or insurance undertaking;
Članak 5.
the removal of any direct link between payments, including remuneration, to relevant persons engaged in one activity and payments, including remuneration, to different relevant persons principally engaged in another activity, where a conflict of interest may arise in relation to those activities;
Postupci i mjere na temelju politike upravljanja sukobima interesa
measures to prevent or limit any person from exercising inappropriate influence over the way in which insurance distribution activities are carried out by the insurance intermediary or insurance undertaking or their managers or employees or any person directly or indirectly linked to them by control;
Postupci i mjere iz članka 4. stavka 2. točke (b) odgovaraju veličini i aktivnostima posrednika u osiguranju ili društva za osiguranje i grupe čiji mogu biti članovi te riziku od nastanka štete za interese potrošača.
measures to prevent or control the simultaneous or sequential involvement of a relevant person in separate insurance distribution activities where such involvement may impair the proper management of conflicts of interest;
Postupci koje je potrebno primjenjivati i mjere koje je potrebno donijeti u skladu s člankom 4. stavkom 2. točkom (b) prema potrebi uključuju:
a gifts and benefits policy which determines clearly under which conditions gifts and benefits can be accepted or granted and which steps are to be taken when accepting and granting gifts and benefits.
učinkovite postupke za sprečavanje ili kontrolu razmjene informacija između relevantnih osoba uključenih u aktivnosti koje uključuju rizik od sukoba interesa ako bi takva razmjena informacija mogla naštetiti interesima jednog potrošača ili više njih;