natgillin/translations-raw huggingface dataset:
Provision of the key information document
Oseba, ki svetuje o PRIIP ali ga prodaja, malim vlagateljem, še preden se ti zavežejo s pogodbo ali ponudbo v zvezi s PRIIP, pravočasno posreduje dokument s ključnimi informacijami.
Article 13
Oseba, ki svetuje o PRIIP ali ga prodaja, lahko izpolni zahteve iz odstavka 1 tako, da dokument s ključnimi informacijami posreduje osebi, ki ima pisno pooblastilo, da v imenu malega vlagatelja odloča o naložbah v zvezi s transakcijami, sklenjenimi v okviru tega pisnega pooblastila.
A person advising on, or selling, a PRIIP shall provide retail investors with the key information document in good time before those retail investors are bound by any contract or offer relating to that PRIIP.
Z odstopanjem od odstavka 1 ter ob upoštevanju člena 3(1), točke (a) člena 3(3) in člena 6 Direktive 2002/65/ES lahko prodajalec PRIIP malemu vlagatelju posreduje dokument s ključnimi informacijami po sklenitvi transakcije brez nepotrebnega odlašanja, če so izpolnjeni vsi naslednji pogoji:
A person advising on, or selling, a PRIIP may satisfy the requirements of paragraph 1 by providing the key information document to a person with written authority to make investment decisions on behalf of the retail investor in respect of transactions concluded under that written authority.
mali vlagatelj se na lastno pobudo odloči, da bo stopil v stik s prodajalcem PRIIP in sklenil transakcijo prek sredstva za komuniciranje na daljavo;
By way of derogation from paragraph 1 and subject to Article 3(1), point (a) of Article 3(3) and Article 6 of Directive 2002/65/EC, a person selling a PRIIP may provide the retail investor with the key information document after conclusion of the transaction, without undue delay, where all of the following conditions are met:
dokumenta s ključnimi informacijami ni mogoče posredovati v skladu z odstavkom 1 tega člena;
the retail investor chooses, on his own initiative, to contact the person selling a PRIIP and conclude the transaction using a means of distance communication;
oseba, ki svetuje o PRIIP ali ga prodaja, je malega vlagatelja obvestila o tem, da dokumenta s ključnimi informacijami ni mogoče posredovati, in jasno navedla, da lahko mali vlagatelj odloži transakcijo, če želi pred njeno sklenitvijo prejeti in prebrati dokument s ključnimi informacijami;
provision of the key information document in accordance with paragraph 1 of this Article is not possible;
mali vlagatelj soglaša, da namesto odloga transakcije, ki bi omogočil, da dokument s ključnimi informacijami prejme vnaprej, slednjega dobi brez nepotrebnega odlašanja po sklenitvi transakcije.
the person advising on or selling the PRIIP has informed the retail investor that provision of the key information document is not possible and has clearly stated that the retail investor may delay the transaction in order to receive and read the key information document before concluding the transaction;
Kadar se v imenu malega vlagatelja v skladu z navodili, ki jih je ta mali vlagatelj dal prodajalcu PRIIP pred prvo transakcijo, izvajajo zaporedne transakcije v zvezi z istim PRIIP, obveznost posredovanja dokumenta s ključnimi informacijami iz odstavka 1 velja le za prvo transakcijo in prvo transakcijo po reviziji dokumenta s ključnimi informacijami v skladu s členom 10.
the retail investor consents to receiving the key information document without undue delay after conclusion of the transaction, rather than delaying the transaction in order to receive the document in advance.
Da bi se ta člen dosledno uporabljal, evropski nadzorni organi v okviru skupnega odbora pripravijo osnutek regulativnih tehničnih standardov, s katerimi natančno opredelijo pogoje za izpolnitev zahteve po posredovanju dokumenta s ključnimi informacijami, kot je določeno v odstavku 1.
Where successive transactions regarding the same PRIIP are carried out on behalf of a retail investor in accordance with instructions given by that retail investor to the person selling the PRIIP prior to the first transaction, the obligation to provide a key information document under paragraph 1 shall apply only to the first transaction, and to the first transaction after the key information document has been revised in accordance with Article 10.
Člen 14
In order to ensure consistent application of this Article, the ESAs shall, through the Joint Committee, develop draft regulatory technical standards specifying the conditions for fulfilling the requirement to provide the key information document as laid down in paragraph 1.
Oseba, ki svetuje o PRIIP ali ga prodaja, malim vlagateljem brezplačno posreduje dokument s ključnimi informacijami.
Article 14
Oseba, ki svetuje o PRIIP ali ga prodaja, malemu vlagatelju posreduje dokument s ključnimi informacijami na enega od naslednjih načinov:
The person advising on, or selling, a PRIIP shall provide the key information document to retail investors free of charge.
v tiskani obliki, kar bi morala biti standardna oblika, kadar se PRIIP ponudi osebno in mali vlagatelj ne zahteva drugače;
The person advising on, or selling, a PRIIP shall provide the key information document to the retail investor in one of the following media:
na trajnem nosilcu podatkov, ki ni papir, kadar so izpolnjeni pogoji iz odstavka 4, ali
on paper, which should be the default option where the PRIIP is offered on a face-to-face basis, unless the retail investor requests otherwise;
prek spletnega mesta, kadar so izpolnjeni pogoji iz odstavka 5.
by means of a website where the conditions laid down in paragraph 5 are met.
Dokument s ključnimi informacijami se lahko posreduje na trajnem nosilcu podatkov, ki ni papir, če sta izpolnjena naslednja pogoja:
Where the key information document is provided using a durable medium othe r than paper or by means of a website, a paper copy shall be provided to retail investors upon request and free of charge.
uporaba trajnega nosilca podatkov je ustrezna glede na posel, ki ga skleneta oseba, ki svetuje o PRIIP ali ga prodaja, in mali vlagatelj, ter
Retail investors shall be informed about their right to request a paper copy free of charge.
mali vlagatelj je lahko izbiral med informacijami v tiskani obliki in na trajnem nosilcu podatkov ter je izbral slednjega, kar je mogoče potrditi z dokazili.
The key information document may be provided using a durable medium other than paper if the following conditions are met:
Dokument s ključnimi informacijami se lahko posreduje prek spletnega mesta, ki ne ustreza opredelitvi trajnega nosilca podatkov, če so izpolnjeni vsi naslednji pogoji:
the use of the durable medium is appropriate in the context of the business conducted between the person advising on, or selling, a PRIIP and the retail investor; and
posredovanje dokumenta s ključnimi informacijami prek spletnega mesta je ustrezno glede na posel, ki ga skleneta oseba, ki svetuje o PRIIP ali ga prodaja, in mali vlagatelj;
the retail investor has been given the choice between information on paper and in the durable medium, and has chosen that other medium in a way that can be evidenced.
mali vlagatelj lahko izbira med informacijami, podanimi v tiskani obliki in prek spletnega mesta, ter je izbral slednje, kar je mogoče potrditi z dokazili;
The key information document may be provided by the means of a website that does not meet the definition of a durable medium if all of the following conditions are met:
mali vlagatelj je po elektronski poti ali pisno obveščen o naslovu spletnega mesta ter delu spletnega mesta, kjer lahko dostopa do dokumenta s ključnimi informacijami;
the provision of the key information document by means of a website is appropriate in the context of the business conducted between the person advising on, or selling, a PRIIP and the retail investor;
dokument s ključnimi informacijami ostane dostopen na spletnem mestu ter ga je mogoče prenesti in shraniti na trajni nosilec podatkov, vse dokler mali vlagatelj morda potrebuje vpogled vanj.
the retail investor has been given the choice between information provided on paper and by means of a website and has chosen the latter in a way that can be evidenced;
Če je bil dokument s ključnimi informacijami revidiran v skladu s členom 10, se dajo malemu vlagatelju na njegovo zahtevo na voljo tudi predhodne različice.
the retail investor has been notified electronically, or in written form, of the address of the website, and the place on the website where the key information document can be accessed;
Za namene odstavkov 4 in 5 se šteje, da je pri poslih, sklenjenih med osebo, ki svetuje o PRIIP ali ga prodaja, in malim vlagateljem, ustrezno posredovati informacije na trajnem nosilcu podatkov, ki ni papir, ali prek spletnega mesta, če je mogoče dokazati, da ima mali vlagatelj reden dostop do spleta.
the key information document remains accessible on the website, capable of being downloaded and stored in a durable medium, for such period of time as the retail investor may need to consult it.
Za tak dokaz se šteje elektronski poštni naslov, ki ga mali vlagatelj predloži za namene tega posla.
Where the key information document has been revised in accordance with Article 10, previous versions shall also be provided on request of the retail investor.
POGLAVJE III
For the purposes of paragraphs 4 and 5, the provision of information using a durable medium other than paper or by means of a website shall be regarded as appropriate in the context of the business conducted between the person advising on or selling a PRIIP and the retail investor if there is evidence that the retail investor has regular access to the internet.
SPREMLJANJE TRGA IN INTERVENCIJSKE PRISTOJNOSTI V ZVEZI S PRODUKTI
The provision by the retail investor of an email address for the purposes of that business shall be regarded as such evidence.
Člen 15
CHAPTER III
EIOPA v skladu s členom 9(2) Uredbe (EU) št. 1094/2010 spremlja trg zavarovalnih naložbenih produktov, ki se tržijo, distribuirajo ali prodajajo v Uniji.
MARKET MONITORING AND PRODUCT INTERVENTION POWERS
Pristojni organi spremljajo trg zavarovalnih naložbenih produktov, ki se tržijo, distribuirajo ali prodajajo v njihovi državi članici ali iz nje.
In accordance with Article 9(2) of Regulation (EU) No 1094/2010, EIOPA shall monitor the market for insurance-based investment products which are marketed, distributed or sold in the Union.
Kadar so izpolnjeni pogoji iz odstavkov 2 in 3 tega člena, lahko EIOPA v skladu s členom 9(5) Uredbe (EU) št. 1094/2010 v Uniji začasno prepove ali omeji:
Competent authorities shall monitor the market for insurance-based investment products which are marketed, distributed or sold in or from their Member State.
trženje, distribucijo ali prodajo določenih zavarovalnih naložbenih produktov ali zavarovalnih naložbenih produktov z določenimi specifičnimi lastnostmi ali
Article 16
opravlja posamezna vrsta finančne dejavnosti s strani zavarovalnice ali pozavarovalnice.
In accordance with Article 9(5) of Regulation (EU) No 1094/2010, EIOPA may, where the conditions in paragraphs 2 and 3 of this Article are fulfilled, temporarily prohibit or restrict in the Union:
EIOPA določi, v katerih okoliščinah se lahko uporablja prepoved ali omejitev oziroma katere izjeme lahko veljajo zanjo.
the marketing, distribution or sale of certain insurance-based investment products or insurance-based investment products with certain specified features; or
EIOPA sprejme odločitev iz odstavka 1 le, če so izpolnjeni vsi naslednji pogoji:
a type of financial activity or practice of an insurance or reinsurance undertaking.
s predlaganim ukrepom se rešuje pomembno vprašanje varstva vlagateljev ali odpravlja nevarnost, ki ogroža pravilno delovanje in integriteto finančnih trgov oziroma stabilnost celotnega finančnega sistema v Uniji ali njegovega dela;
A prohibition or restriction may apply in circumstances, or be subject to exceptions, specified by EIOPA.
z regulativnimi zahtevami v skladu s pravom Unije, ki veljajo za zadevni zavarovalni naložbeni produkt ali dejavnost, se ta nevarnost ne odpravlja;
EIOPA shall take a decision under paragraph 1 only if all of the following conditions are fulfilled:
pristojni organ ali organi niso sprejeli ukrepov, s katerimi bi odpravili nevarnost, ali pa sprejeti ukrepi ne zadostujejo za njeno odpravo.
the proposed action addresses a significant investor protection concern or a threat to the orderly functioning and integrity of financial markets or to the stability of the whole or part of the financial system in the Union;
Če so izpolnjeni pogoji iz prvega pododstavka, lahko EIOPA kot previdnostni ukrep uvede prepoved ali omejitev iz odstavka 1, preden se zavarovalni naložbeni produkt začne tržiti ali prodajati vlagateljem.
regulatory requirements under Union law that are applicable to the relevant insurance-based investment product or activity do not address the threat;
EOIPA pri sprejemanju ukrepa na podlagi tega člena zagotovi, da ukrep:
a competent authority or competent authorities have not taken action to address the threat or the actions that have been taken do not adequately address the threat.
nima škodljivih posledic za učinkovitost finančnih trgov ali za vlagatelje, ki bi bile nesorazmerne glede na njegove koristi, oziroma
Where the conditions set out in the first subparagraph are fulfilled, EIOPA may impose the prohibition or restriction referred to in paragraph 1 on a precautionary basis before an insurance-based investment product has been marketed or sold to investors.
ne povzroča nevarnosti regulativne arbitraže.
When taking action under this Article, EIOPA shall ensure that the action does not:
Če pristojni organ ali organi sprejmejo ukrep iz člena 17, lahko EIOPA sprejme kateri koli ukrep iz odstavka 1 tega člena, ne da bi mu bilo pri tem treba izdati mnenje iz člena 18.
have a detrimental effect on the efficiency of financial markets or on investors that is disproportionate to the benefits of the action; or
Preden se EIOPA odloči, da bo sprejel kateri koli ukrep iz tega člena, pristojne organe uradno obvesti o predlaganem ukrepu.
create a risk of regulatory arbitrage.
EIOPA na svojem spletnem mestu objavi obvestilo o odločitvi o sprejetju ukrepov iz tega člena.
Where a competent authority or competent authorities have taken a measure under Article 17, EIOPA may take any of the measures referred to in paragraph 1 of this Article without issuing the opinion provided for in Article 18.
V obvestilu se navedejo podrobnosti o prepovedi ali omejitvi in v kolikšnem času po objavi obvestila začnejo ukrepi učinkovati.
Before deciding to take any action under this Article, EIOPA shall notify competent authorities of the action it proposes.
Prepoved ali omejitev velja le za ukrepe, sprejete po tem, ko so ukrepi začeli učinkovati.
EIOPA shall publish on its website notice of any decision to take any action under this Article.
EIOPA prepoved ali omejitev iz odstavka 1 pregleda v ustreznih intervalih in vsaj vsake tri mesece.
The notice shall specify details of the prohibition or restriction and specify a time after the publication of the notice from which the measures will take effect.
Če prepoved ali omejitev po teh treh mesecih ni podaljšana, preneha veljati.
A prohibition or restriction shall only apply to action taken after the measures take effect.
Ukrep, ki ga sprejme EIPOA v skladu s tem členom, ima prednost pred morebitnimi prejšnjimi ukrepi, ki jih je sprejel pristojni organ.
EIOPA shall review a prohibition or restriction imposed under paragraph 1 at appropriate intervals and at least every three months.
Komisija sprejme delegirane akte v skladu s členom 30, s katerimi opredeli merila in dejavnike, ki jih mora EIOPA upoštevati pri ugotavljanju, kdaj obstaja pomembno vprašanje varstva vlagateljev oziroma so ogroženi pravilno delovanje in integriteta finančnih trgov ali stabilnost celotnega finančnega sistema v Uniji ali njegovega dela, kot je navedeno v točki (a) prvega pododstavka odstavka 2.
If the prohibition or restriction is not renewed after that three-month period it shall expire.
Ta merila in dejavniki vključujejo:
Action adopted by EIOPA under this Article shall prevail over any previous action taken by a competent authority.
stopnjo kompleksnosti zavarovalnega naložbenega produkta ter povezavo s ciljno skupino vlagateljev pri trženju in prodaji;
The Commission shall adopt delegated acts in accordance with Article 30 specifying criteria and factors to be taken into account by EIOPA in determining when there is a significant investor protection concern or a threat to the orderly functioning and integrity of financial markets or to the stability of the whole or part of the financial system of the Union referred to in point (a) of the first subparagraph of paragraph 2.
obseg ali nominalno vrednost zavarovalnega naložbenega produkta;
Those criteria and factors shall include:
stopnjo inovativnosti zavarovalnega naložbenega produkta, dejavnosti ali prakse in
the degree of complexity of the insurance-based investment product and the relation to the type of investor to whom it is marketed and sold;
finančni vzvod, ki ga produkt ali praksa zagotavlja.
the size or the notional value of the insurance-based investment product;
Člen 17
the degree of innovation of the insurance-based investment product, activity or a practice; and
Pristojni organ lahko prepove ali omeji, da se v njegovi državi članici ali iz nje:
the leverage a product or practice provides.
tržijo, distribuirajo ali prodajajo zavarovalni naložbeni produkti ali zavarovalni naložbeni produkti z določenimi lastnostmi ali
Article 17
Pristojni organ lahko sprejme ukrep iz odstavka 1, če iz utemeljenih razlogov meni, da:
A competent authority may prohibit or restrict the following in or from its Member State:
se je zaradi zavarovalnega naložbenega produkta ali dejavnosti ali prakse odprlo pomembno vprašanje varstva vlagateljev oziroma so ogroženi pravil no delovanje in integriteta finančnih trgov ali stabilnost celotnega finančnega sistema ali njegovega dela v vsaj eni državi članici;
the marketing, distribution or sale of insurance-based investment products or insurance-based investment products with certain specified features; or
z obstoječimi regulativnimi zahtevami v skladu s pravom Unije, ki veljajo za zavarovalni naložbeni produkt ali dejavnost ali prakso, ni mogoče v celoti odpraviti nevarnosti iz točke (a) ter tega vprašanja tudi ne bi bilo mogoče učinkoviteje rešiti z boljšim nadzorom ali izvrševanjem obstoječih zahtev;
A competent authority may take the action referred to in paragraph 1 if it is satisfied on reasonable grounds that:
je ukrep sorazmeren glede na naravo ugotovljenih nevarnosti, strukturo zadevnih vlagateljev ali udeležencev na trgu in verjetni učinek ukrepa na vlagatelje in udeležence na trgu, ki lahko imajo ali uporabljajo zavarovalni naložbeni produkt ali dejavnost ali prakso oziroma imajo od tega koristi;
an insurance-based investment product, or activity or practice gives rise to significant investor protection concerns or poses a threat to the orderly functioning and integrity of financial markets or the stability of whole or part of the financial system within at least one Member State;
se je pristojni organ ustrezno posvetoval s pristojnimi organi v drugih državah članicah, na katere morda ukrep znatno vpliva, in
existing regulatory requirements under Union law applicable to the insurance-based investment product, or activity or practice do not sufficiently address the risks referred to in point (a) and the issue would not be better addressed by improved supervision or enforcement of existing requirements;
ukrep nima diskriminatornega učinka na storitve ali dejavnosti, ki se opravljajo iz druge države članice.
the action is proportionate taking into account the nature of the risks identified, the level of sophistication of investors or market participants concerned and the likely effect of the action on investors and market participants who may hold, use or benefit from the insurance-based investment product, or activity or practice;
Če so izpolnjeni pogoji iz prvega pododstavka, lahko pristojni organ kot previdnostni ukrep uvede prepoved ali omejitev iz odstavka 1, preden se zavarovalni naložbeni produkt začne tržiti ali prodajati vlagateljem.
the competent authority has properly consulted competent authorities in other Member States that may be significantly affected by the action; and
Pristojni organ določi, v katerih okoliščinah se lahko uporablja prepoved ali omejitev oziroma katere izjeme lahko veljajo zanjo.
the action does not have a discriminatory effect on services or activities provided from another Member State.
Pristojni organ ne sme uvesti prepovedi ali omejitve na podlagi tega člena, razen če je najmanj en mesec pred predvidenim začetkom učinkovanja ukrepa vsem drugim udeleženim pristojnim organom in EIPOA pisno ali na drug način, ki je bil dogovorjen med organi, uradno sporočil podatke o:
Where the conditions set out in the first subparagraph are fulfilled, the competent authority may impose the prohibition or restriction referred to in paragraph 1 on a precautionary basis before an insurance-based investment product has been marketed or sold to investors.
zavarovalnem naložbenem produktu, dejavnosti ali praksi, s katero je povezan predlagani ukrep;
A prohibition or restriction may apply in circumstances, or be subject to exceptions, specified by the competent authority.
točni naravi predlagane prepovedi ali omejitve in tem, kdaj naj bi začela učinkovati, ter
The competent authority shall not impose a prohibition or restriction under this Article unless, not less than one month before the measure is intended to take effect, it has notified all other competent authorities involved and EIOPA in writing or through another medium agreed between the authorities of the details of:
dokazih, na katerih temelji njegova odločitev in na podlagi katerih meni, da so izpolnjeni vsi pogoji iz odstavka 2.
the insurance-based investment product, or activity or practice to which the proposed action relates;
V izjemnih primerih lahko pristojni organ, kadar meni, da je treba z nujnimi ukrepi na podlagi tega člena preprečiti, da bi zavarovalni naložbeni produkti, dejavnosti ali prakse iz odstavka 1 povzročili škodo, in so hkrati izpolnjena vsa merila iz tega člena, obenem pa z enomesečnim rokom za obvestilo očitno ne bi bilo mogoče ustrezno rešiti specifičnega vprašanja ali odpraviti nevarnosti, sprejme začasni ukrep, o katerem najmanj 24 ur pred predvidenim začetkom učinkovanja tega ukrepa uradno pisno obvesti vse druge pristojne organe in EOIPA.
the precise nature of the proposed prohibition or restriction and when it is intended to take effect; and
Začasni ukrep pristojnega organa ne sme trajati več kot tri mesece.
the evidence upon which it has based its decision and upon which it is satisfied that each of the conditions in paragraph 2 are met.
Pristojni organ na svojem spletnem mestu objavi obvestilo o odločitvi glede uvedbe prepovedi ali omejitve iz odstavka 1.
In exceptional cases where the competent authority deems it necessary to take urgent action under this Article in order to prevent detriment arising from the insurance-based investment products, activities or practices referred to in paragraph 1, the competent authority may take action on a provisional basis with no less than 24 hours' written notice before the measure is intended to take effect to all other competent authorities and EIOPA, provided that all the criteria in this Article are met and that, in addition, it is clearly established that a one-month notification period would not adequately address the specific concern or threat.
V tem obvestilu se navedejo podrobnosti o prepovedi ali omejitvi, v kolikšnem času po objavi obvestila začnejo ukrepi učinkovati, in dokazi, na podlagi katerih pristojni organ meni, da so izpolnjeni vsi pogoji iz odstavka 2.
The competent authority shall not take action on a provisional basis for a period exceeding three months.
Prepoved ali omejitev velja le za ukrep, sprejet po objavi obvestila.
The competent authority shall publish on its website notice of any decision to impose any prohibition or restriction referred to in paragraph 1.
Pristojni organ prekliče prepoved ali omejitev, če pogoji iz odstavka 2 niso več podani.