natgillin/translations-raw huggingface dataset:
In order to ensure that penalties have a dissuasive effect and to strengthen investor protection by warning them about PRIIPs marketed in infringement of this Regulation, sanctions and measures should normally be published, except in certain well-defined circumstances.
Čeprav države članice lahko določijo pravila za upravne in kazenske sankcije za iste kršitve, se od njih ne bi smelo zahtevati, da določijo pravila za upravne sankcije za kršitve te uredbe, za katere velja nacionalno kazensko pravo.
Although Member States may lay down rules for administrative and criminal penalties for the same infringements, Member States should not be required to lay down rules for administrative penalties for the infringements of this Regulation which are subject to national criminal law.
Države članice v skladu z nacionalnim pravom niso obvezane naložiti tako upravnih kot kazenskih sankcij za isto kršitev, vendar bi morale imeti možnost, da to storijo, če jim to dovoljuje nacionalno pravo.
In accordance with national law, Member States are not obliged to impose both administrative and criminal penalties for the same offence, but they should be able to do so if their national law so permits.
Če se namesto upravnih sankcij za kršitve te uredbe ohranijo kazenske sankcije, to ne bi smelo zmanjšati možnosti pristojnih organov ali kako drugače vplivati nanje, da za namene te uredbe sodelujejo s pristojnimi organi v drugih državah članicah, da imajo dostop do informacij in da informacije s temi organi pravočasno izmenjujejo, tudi po prijavi zadevnih kršitev pristojnim pravosodnim organom za kazenski pregon.
However, the maintenance of criminal penalties instead of administrative penalties for infringements of this Regulation should not reduce or otherwise affect the ability of competent authorities to cooperate, access and exchange information in a timely way with competent authorities in other Member States for the purposes of this Regulation, including after any referral of the relevant infringements to the competent judicial authorities for criminal prosecution.
Da se dosežejo cilji te uredbe, bi bilo treba na Komisijo prenesti pooblastila, da v skladu s členom 290 Pogodbe o delovanju Evropske unije sprejme akte v zvezi z določitvijo podrobnosti postopkov za ugotavljanje, ali ima PRIIP specifične okoljske in socialne cilje, ter pogojev za izvajanje intervencijske pristojnosti s strani EIOPA in pristojnih organov.
In order to fulfil the objectives of this Regulation, the power to adopt acts in accordance with Article 290 of the Treaty on the Functioning of the European Union should be delegated to the Commission in respect of specifying the details of the procedures used to establish whether a PRIIP targets specific environmental or social objectives, and the conditions for the exercise of intervention powers by EIOPA and the competent authorities.
Zlasti je pomembno, da Komisija pri svojem pripravljalnem delu opravi ustrezna posvetovanja, vključno na ravni strokovnjakov.
It is of particular importance that the Commission carry out appropriate consultations during its preparatory work.
Komisija bi morala pri pripravi in oblikovanju delegiranih aktov zagotoviti, da so ustrezni dokumenti predloženi Evropskemu parlamentu in Svetu istočasno, pravočasno in na ustrezen način.
The Commission, when preparing and drawing up delegated acts, should ensure a simultaneous, timely and appropriate transmission of relevant documents to the European Parliament and to the Council.
Komisija sprejme osnutke regulativnih tehničnih standardov, ki so jih pripravili evropski nadzorni organi v okviru skupnega odbora glede prikaza in vsebine dokumenta s ključnimi informacijami, standardizirano obliko dokumenta s ključnimi informacijami, metodologijo za prikaz tveganj in donosa ter izračun stroškov, kakor tudi glede pogojev za pregled informacij iz dokumenta s ključnimi informacijami in najmanjše pogostosti takega pregledovanja ter glede pogojev za izpolnjevanje zahtev o posredovanju dokumenta s ključnimi informacijami malim vlagateljem v skladu s členi 10 do 14 Uredbe (EU) št. 1093/2010, Uredbe (EU) št. 1094/2010 in Uredbe (EU) št. 1095/2010.
The Commission should adopt draft regulatory technical standards developed by the ESAs, through the Joint Committee, with regard to the presentation and the content of the key information document, the standardised format of the key information document, the methodology underpinning the presentation of risk and reward and the calculation of costs, as well as the conditions and the minimum frequency for reviewing the information contained in the key information document and the conditions fulfilling the requirement on the provision of the key information document to retail investors in accordance with Articles 10 to 14 of Regulation (EU) No 1093/2010, of Regulation (EU) No 1094/2010 and of Regulation (EU) No 1095/2010.
Komisija bi morala dopolniti tehnično delo evropskih nadzornih organov z izvedbo potrošniškega testiranja glede prikaza dokumenta s ključnimi informacijami, kot so ga predlagali evropski nadzorni organi.
The Commission should complement the technical work of the ESAs by conducting consumer tests of the presentation of the key information document as proposed by the ESAs.
Direktiva 95/46/ES Evropskega parlamenta in Sveta [15] ureja obdelavo osebnih podatkov, ki jo v okviru te uredbe in pod nadzorom pristojnih organov izvajajo države članice.
Directive 95/46/EC of the European Parliament and of the Council [15] governs the processing of personal data carried out in the Member States in the context of this Regulation and under the supervision of the competent authorities.
Uredba (ES) št. 45/2001 Evropskega parlamenta in Sveta [16] ureja obdelavo osebnih podatkov, ki jo v skladu s to uredbo in pod nadzorom Evropskega nadzornika za varstvo podatkov izvajajo evropski nadzorni organi.
Regulation (EC) No 45/2001 of the European Parliament and of the Council [16], governs the processing of personal data carried out by the ESAs pursuant to this Regulation and under the supervision of the European Data Protection Supervisor.
Vsaka obdelava osebnih podatkov, ki se izvede v okviru te uredbe, kot je izmenjava ali prenos osebnih podatkov, ki ga izvedejo pristojni organi, bi morala biti v skladu z Direktivo 95/46/ES, vsaka izmenjava ali prenos informacij, ki ga izvedejo evropski nadzorni organi, pa bi moral biti v skladu z Uredbo (ES) št. 45/2001.
Any processing of personal data carried out within the framework of this Regulation, such as the exchange or transmission of personal data by the competent authorities should be undertaken in accordance with Directive 95/46/EC and any exchange or transmission of information by the ESAs should be undertaken in accordance with Regulation (EC) No 45/2001.
Medtem ko kolektivni naložbeni podjemi za vlaganja v prenosljive vrednostne papirje (KNPVP) pomenijo naložbene produkte v smislu te uredbe, pa nedavna določitev zahtev glede ključnih informacij za vlagatelje v skladu z Direktivo 2009/65/ES pomeni, da bi bilo takšnim KNPVP ustrezno zagotoviti prehodno obdobje petih let od začetka veljavnosti te uredbe, v katerem ta uredba zanje ne bi veljala.
While undertakings for collective investment in transferable securities (UCITS) constitute investment products within the meaning of this Regulation, the recent establishment of the key investor information requirements under Directive 2009/65/EC means that it would be proportionate to provide to such UCITS a transitional period of five years after the entry into force of this Regulation during which they would not be subject to this Regulation.
Po izteku tega prehodnega obdobja bi ta uredba zanje veljala, če to prehodno obdobje ne bi bilo podaljšano.
After the expiry of that transitional period and in the absence of any extension thereto, UCITS should become subject to this Regulation.
To prehodno obdobje bi moralo veljati tudi za družbe za upravljanje, investicijske družbe in prodajalce enot premoženja skladov, ki niso KNPVP, ali svetovalce o takih enotah, kadar država članica uporablja pravila glede oblike in vsebine dokumenta s ključnimi informacijami, kot je za takšne sklade določeno v členih 78 do 81 Direktive 2009/65/ES.
That transitional period should also apply to management companies, investment companies and persons advising on, or selling, units of non-UCITS funds when a Member State applies rules on the format and content of the key information document, as laid down in Articles 78 to 81 of Directive 2009/65/EC, to such funds.
Pregled te uredbe bi bilo treba opraviti štiri leta po začetku njene veljavnosti, da se upoštevajo spremembe na trgu, kot je pojav novih oblik PRIIP, razvoj na drugih področjih prava Unije in izkušnje držav članic.
A review of this Regulation should be carried out four years after its entry into force in order to take account of market developments, such as the emergence of new types of PRIIPs, as well as developments in other areas of Union law and the experiences of Member States.
Med pregledom bi bilo treba oceniti tudi, ali je uvedba oznake za socialne in okoljske naložbe izvedljiva ter stroške in morebitne koristi takšne uvedbe.
The review should also assess the feasibility, costs and possible benefits of introducing a label for social and environmental investments.
Prav tako bi bilo treba oceniti, ali povprečen mali vlagatelj zaradi uvedenih ukrepov PRIIP lažje razume in jih primerja.
Furthermore, the review should assess whether the measures introduced have improved the average retail investor understanding of PRIIPs and the comparability of the PRIIPs.
Prav tako bi bilo treba preučiti, ali bi bilo treba prehodno obdobje, ki velja za KNPVP ali za določene sklade, ki niso KNPVP, podaljšati oziroma ali bi se lahko preučile druge možnosti za obravnavo tovrstnih skladov.
It should also consider whether the transitional period applying to UCITS or certain non-UCITS should be extended, or whether other options for the treatment of such funds might be considered.
S pregledom bi bilo treba tudi oceniti, ali bi bilo treba ohraniti izvzetje produktov iz področja uporabe te uredbe, zlasti glede na to, da so potrebni zanesljivi standardi za varstvo potrošnikov, vključno s primerjavami med finančnimi produkti.
In addition, it should assess whether the exemption of products from the scope of this Regulation should be maintained, in view of the need for sound standards of consumer protection including comparisons between financial products.
Komisija bi morala v okviru pregleda opraviti tudi tržno raziskavo, da bi ugotovila, ali na trgu obstajajo spletni kalkulatorji, ki malemu vlagatelju omogočajo izračun skupnih stroškov in provizij za PRIIP, in ali je uporaba teh kalkulatorje v brezplačna.
As part of the review, the Commission should also carry out a market survey to determine whether there are online calculator tools available in the market which allow the retail investor to compute the aggregate costs and fees of PRIIPs and whether those tools are made available free of charge.
Komisija bi morala na podlagi navedenega pregleda predložiti poročilo Evropskemu parlamentu in Svetu ter mu po potrebi priložiti zakonodajne predloge.
On the basis of that review, the Commission should submit a report to the European Parliament and to the Council accompanied, if appropriate, by legislative proposals.
Ob upoštevanju sedanjega dela EIOPA v zvezi z zahtevami za razkritje informacij o osebnih pokojninskih produktih in posebnosti teh produktov bi Komisija morala v štirih letih po začetku veljavnosti te uredbe oceniti, ali naj se ohrani izvzetje pokojninskih produktov, katerih glavni namen po nacionalnem pravu je vlagatelju zagotoviti prihodek po upokojitvi in na podlagi katerih je vlagatelj upravičen do nekaterih koristi.
Having regard to the ongoing work undertaken by EIOPA on disclosure of product information requirements for personal pension products and taking into account the specificities of those products, the Commission should, within four years after the entry into force of this Regulation, assess whether to maintain the exclusion of pension products which, under national law, are recognised as having the primary purpose of providing the investor with an income in retirement, and which entitle the investor to certain benefits.
Komisija bi morala pri svoji oceni preučiti, ali je ta uredba najboljši zakonodajni mehanizem za zagotavljanje razkritja, povezanega s pokojninskimi produkti, ali bi bili za to primernejši drugi mehanizmi.
In making its assessment, the Commission should consider whether this Regulation is the best legislative mechanism for ensuring the disclosure relating to pension products, or whether other disclosure mechanisms would be more appropriate.
Da bi imeli proizvajalci PRIIP ter osebe, ki PRIIP prodajajo ali o njih svetujejo, dovolj časa za pripravo na praktično uporabo zahtev iz te uredbe, bi se ta morala začeti uporabljati šele dve leti po začetku njene veljavnosti.
In order to give PRIIP manufacturers and persons advising on, or selling, PRIIPs sufficient time to prepare for the practical application of the requirements of this Regulation, it should not be applicable until two years after the date of its entry into force.
Ta uredba spoštuje temeljne pravice in upošteva načela, priznana zlasti v Listini Evropske unije o temeljnih pravicah.
This Regulation respects fundamental rights and observes the principles recognised in particular by the Charter of the Fundamental Rights of the European Union.
Ker ciljev te uredbe, to je večjega varstva malih vlagateljev in večjega zaupanja teh vlagateljev v PRIIP, tudi pri čezmejni prodaji teh produktov, države članice ne morejo zadovoljivo doseči, temveč se zaradi svojih učinkov lažje dosežejo na ravni Unije, lahko Unija sprejme ukrepe v skladu z načelom subsidiarnosti iz člena 5 Pogodbe o Evropski uniji.
Since the objectives of this Regulation, namely to enhance retail investor protection and improve retail investor confidence in PRIIPs, including where those products are sold cross-border, cannot be sufficiently achieved by the Member States but can rather, by reason of its effects, be better achieved at Union level the Union may adopt measures, in accordance with principle of subsidiarity as set out in Article 5 of the Treaty of the European Union.
V skladu z načelom sorazmernosti iz navedenega člena ta uredba ne presega tistega, kar je potrebno za doseganje navedenih ciljev.
In accordance with the principle of proportionality, as set out in that Article, this Regulation does not go beyond what is necessary in order to achieve those objectives.
V skladu z členom 28(2) Uredbe (ES) št. 45/2001 je bilo opravljeno posvetovanje z Evropskim nadzornikom za varstvo podatkov, ki je podal svoje mnenje [17] –
The European Data Protection Supervisor was consulted in accordance with Article 28(2) of Regulation (EC) No 45/2001 and delivered its opinion [17],
SPREJELA NASLEDNJO UREDBO:
CHAPTER I
PREDMET UREJANJA, PODROČJE UPORABE IN OPREDELITEV POJMOV
SUBJECT MATTER, SCOPE AND DEFINITIONS
Člen 1
Article 1
Ta uredba določa enotna pravila o obliki in vsebini dokumenta s ključnimi informacijami, ki ga morajo pripraviti proizvajalci paketnih naložbenih produktov za male vlagatelje in zavarovalnih naložbenih produktov (PRIIP), ter enotna pravila o posredovanju dokumenta s ključnimi informacijami malim vlagateljem, da se jim omogoči razumevanje in primerjavo ključnih elementov PRIIP in ključnih tveganj, povezanih z njimi.
This Regulation lays down uniform rules on the format and content of the key information document to be drawn up by PRIIP manufacturers and on the provision of the key information document to retail investors in order to enable retail investors to understand and compare the key features and risks of the PRIIP.
Člen 2
Article 2
Ta uredba se uporablja za proizvajalce PRIIP in osebe, ki PRIIP prodajajo ali o njih svetujejo.
This Regulation shall apply to PRIIP manufacturers and persons advising on, or selling, PRIIPs.
Ta uredba se ne uporablja za naslednje produkte:
This Regulation shall not apply to the following products:
produkte neživljenjskega zavarovanja, naštete v Prilogi I k Direktivi 2009/138/ES;
non-life insurance products as listed in Annex I to Directive 2009/138/EC;
pogodbe o življenjskem zavarovanju, pri katerih se sredstva po pogodbi izplačajo šele ob smrti ali v primeru nezmožnosti zaradi poškodbe, bolezni ali oslabelosti;
life insurance contracts where the benefits under the contract are payable only on death or in respect of incapacity due to injury, sickness or infirmity;
vloge, razen strukturiranih vlog, kot so opredeljene v točki 43 člena 4(1) Direktive 2014/65/EU;
deposits other than structured deposits as defined in point (43) of Article 4(1) of Directive 2014/65/EU;
vrednostne papirje iz točk (b) do (g) ter (i) in (j) člena 1(2) Direktive 2003/71/ES;
securities as referred to in points (b) to (g), (i) and (j) of Article 1(2) of Directive 2003/71/EC;
pokojninske produkte, katerih glavni namen v skladu z nacionalnim pravom je vlagatelju zagotoviti prihodek po upokojitvi in na podlagi katerih je vlagatelj upravičen do nekaterih koristi;
pension products which, under national law, are recognised as having the primary purpose of providing the investor with an income in retirement and which entitle the investor to certain benefits;
uradno priznane sheme poklicnega pokojninskega zavarovanja, ki spadajo v področje uporabe Direktive 2003/41/ES Evropskega parlamenta in Sveta [18] ali Direktive 2009/138/ES;
officially recognised occupational pension schemes within the scope of Directive 2003/41/EC of the European Parliament and of the Council [18] or Directive 2009/138/EC;
individualne pokojninske produkte, pri katerih nacionalno pravo zahteva finančni prispevek delodajalca in pri katerih delodajalec ali zaposleni ne more izbirati med pokojninskimi produkti ali ponudniki.
individual pension products for which a financial contribution from the employer is required by national law and where the employer or the employee has no choice as to the pension product or provider.
Člen 3
Article 3
Kadar za proizvajalce PRIIP, za katere velja ta uredba, velja tudi Direktiva 2003/71/ES, se uporabljata tako ta uredba kot Direktiva 2003/71/ES.
Where PRIIP manufacturers subject to this Regulation are also subject to Directive 2003/71/EC, this Regulation and Directive 2003/71/EC shall both apply.
Kadar za proizvajalce PRIIP, za katere velja ta uredba, velja tudi Direktiva 2009/138/ES, se uporabljata tako ta uredba kot Direktiva 2009/138/ES.
Where PRIIP manufacturers subject to this Regulation are also subject to Directive 2009/138/EC, this Regulation and Directive 2009/138/EC shall both apply.
Člen 4
Article 4
V tej uredbi se uporabljajo naslednje opredelitve pojmov:
For the purposes of this Regulation, the following definitions apply:
„paketni naložbeni produkt za male vlagatelje“ ali „PRIP“, pomeni naložbo, vključno z instrumenti, ki jih izdajo namenske družbe, kakor so opredeljene v točki 26 člena 13 Direktive 2009/138/ES, ali subjekti s posebnim namenom pri listninjenju, kakor so opredeljeni v točki (an) člena 4(1) Direktive 2011/61/EU Evropskega parlamenta in Sveta [19], pri kateri je znesek, ki se povrne malemu vlagatelju, ne glede na pravno obliko naložbe odvisen od nihanj zaradi izpostavljenosti referenčnim vrednostim ali uspešnosti enega ali več sredstev, ki jih mali vlagatelj ne kupi neposredno;
‘packaged retail investment product’ or ‘PRIP’ means an investment, including instruments issued by special purpose vehicles as defined in point (26) of Article 13 of Directive 2009/138/EC or securitisation special purpose entities as defined in point (an) of Article 4(1) of the Directive 2011/61/EU of the European Parliament and of the Council [19], where, regardless of the legal form of the investment, the amount repayable to the retail investor is subject to fluctuations because of exposure to reference values or to the performance of one or more assets which are not directly purchased by the retail investor;
„zavarovalni naložbeni produkt“ pomeni zavarovalni produkt, ki ponuja vrednost zapadlosti ali odkupno vrednost, ki je v celoti ali delno ter neposredno ali posredno izpostavljena tržnim nihanjem;
‘insurance-based investment product’ means an insurance product which offers a maturity or surrender value and where that maturity or surrender value is wholly or partially exposed, directly or indirectly, to market fluctuations;
„paketni naložbeni produkt za male vlagatelje in zavarovalni naložbeni produkt“ ali „PRIIP“ pomeni produkt, ki je eno ali oboje od naslednjega:
‘packaged retail and insurance-based investment product’ or ‘PRIIP’ means a product that is one or both of the following:
PRIP;
a PRIP;
zavarovalni naložbeni produkt;
an insurance-based investment product;
„proizvajalec paketnega naložbenega produkta za male vlagatelje in zavarovalnega naložbenega produkta“ ali „proizvajalec PRIIP“ pomeni:
‘packaged retail and insurance-based investment product manufacturer’ or ‘PRIIP manufacturer’ means:
vsak subjekt, ki proizvaja PRIIP;
any entity that manufactures PRIIPs;
vsak subjekt, ki spreminja obstoječi PRIIP, med drugim tudi s spremembo profila tveganja in donosa PRIIP ali stroškov, povezanih z naložbo v PRIIP;
any entity that makes changes to an existing PRIIP including, but not limited to, altering its risk and reward profile or the costs associated with an investment in a PRIIP;
„prodajalec PRIIP“ pomeni osebo, ki malemu vlagatelju ponuja ali z njimi sklene pogodbo o PRIIP;
‘person selling a PRIIP’ means a person offering or concluding a PRIIP contract with a retail investor;
„mali vlagatelj“ pomeni:
‘retail investor’ means:
neprofesionalno stranko, kot je opredeljena v točki 11 člena 4(1) Direktive 2014/65/EU;
a retail client as defined in point (11) of Article 4 (1) of Directive 2014/65/EU;
stranko v smislu Direktive 2002/92/ES, kadar ta stranka ne izpolnjuje meril za profesionalno stranko, kot je opredeljena v točki 10 člena 4(1) Direktive 2014/65/EU;
a customer within the meaning of Directive 2002/92/EC, where that customer would not qualify as a professional client as defined in point (10) of Article 4(1) of Directive 2014/65/EU;
„trajni nosilec podatkov“ pomeni trajni nosilec podatkov, kot je opredeljen v točki (m) člena 2(1) Direktive 2009/65/ES;
‘durable medium’ means a durable medium as defined in point (m) of Article 2(1) of Directive 2009/65/EC;
„pristojni organi“ pomeni nacionalne organe, ki jih država članica imenuje za nadzor zahtev te uredbe, ki veljajo za proizvajalce PRIIP in osebe, ki PRIIP prodajajo ali o njih svetujejo.
‘competent authorities’ means the national authorities designated by a Member State to supervise the requirements this Regulation places on PRIIP manufacturers and the persons advising on, or selling, the PRIIP.
POGLAVJE II
CHAPTER II
DOKUMENT S KLJUČNIMI INFORMACIJAMI
KEY INFORMATION DOCUMENT
ODDELEK I
SECTION I
Priprava dokumenta s ključnimi informacijami
Drawing up the key information document
Člen 5
Article 5
Preden je PRIIP na voljo malim vlagateljem, proizvajalec PRIIP za ta produkt v skladu z zahtevami iz te uredbe pripravi dokument s ključnimi informacijami ter ga objavi na svojem spletnem mestu.
Before a PRIIP is made available to retail investors, the PRIIP manufacturer shall draw up for that product a key information document in accordance with the requirements of this Regulation and shall publish the document on its website.
Vsaka država članica lahko zahteva, da proizvajalec ali prodajalec PRIIP pristojni organ za PRIIP, ki se tržijo v tej državi članici, predhodno uradno obvesti o dokumentu s ključnimi informacijami.
Any Member State may require the ex ante notification of the key information document by the PRIIP manufacturer or the person selling a PRIIP to the competent authority for PRIIPs marketed in that Member State.
ODDELEK II
SECTION II
Oblika in vsebina dokumenta s ključnimi informacijami
Form and content of the key information document
Člen 6
Article 6
Dokument s ključnimi informacijami predstavlja predpogodbene informacije.
The key information document shall constitute pre-contractual information.
Biti mora točen, pošten in jasen ter ne sme biti zavajajoč.