natgillin/translations-raw huggingface dataset:
In any event, if publication of the sanction or other measure would cause disproportionate damage to the parties involved, the competent authority should be able to decide not to publish the sanction or other measure or to publish it anonymously.
V vsakem primeru bi moral pristojni organ imeti možnost, da sankcije ali drugega ukrepa ne objavi ali jo oziroma ga objavi v anonimni obliki, če bi objava sankcije ali drugega ukrepa vpletenim stranem povzročila nesorazmerno škodo.
In order to detect potential breaches, the competent authorities should have the necessary investigatory powers, and should establish effective mechanisms, to enable reporting of potential or actual breaches.
Za ugotavljanje morebitnih kršitev bi morali imeti pristojni organi potrebna preiskovalna pooblastila in vzpostaviti učinkovite mehanizme za omogočanje poročanja o morebitnih ali dejanskih kršitvah.
This Directive should refer to both administrative sanctions and other measures irrespective of their qualification as a sanction or other measure under national law.
Ta direktiva bi se morala nanašati na upravne sankcije in druge ukrepe, ne glede na to, ali so v nacionalnem pravu opredeljeni kot sankcija ali kot drugi ukrep.
This Directive should be without prejudice to any provisions in the laws of Member States in respect of criminal offences.
Ta direktiva ne bi smela posegati v določbe iz zakonodaj držav članic v zvezi s kazenskimi sankcijami.
In order to attain the objectives set out in this Directive, the power to adopt acts in accordance with Article 290 TFEU should be delegated to the Commission in respect of product oversight and governance requirements for all products, and, in relation to the distribution of insurance-based investment products, the management of conflicts of interest, the conditions under which inducements can be paid or received, and assessment of suitability and appropriateness.
Za dosego ciljev iz te direktive bi bilo treba na Komisijo prenesti pooblastila, da v skladu s členom 290 PDEU sprejme akte v zvezi z nadzorom produktov ter zahtevami glede upravljanja za vse produkte ter v zvezi z distribucijo zavarovalnih naložbenih produktov, upravljanjem nasprotij interesov, pogoji, v skladu s katerimi se lahko plačajo ali prejmejo spodbude, ter oceno ustreznosti in primernosti.
It is of particular importance that the Commission carries out appropriate consultations during its preparatory work, including at expert level.
Zlasti je pomembno, da se Komisija pri svojem pripravljalnem delu ustrezno posvetuje, vključno na ravni strokovnjakov.
Technical standards in financial services should ensure consistent harmonisation and adequate protection of consumers across the Union.
Tehnični standardi v zvezi s finančnimi storitvami bi morali zagotoviti dosledno harmonizacijo in ustrezno varstvo potrošnikov po vsej Uniji.
As EIOPA is a body with highly specialised expertise, it should be entrusted solely with the drawing-up of draft regulatory and implementing technical standards which do not necessitate policy choices, for submission to the European Parliament, the Council and the Commission.
Ker je EIOPA organ z visoko specializiranimi strokovnjaki, bi morali nanj prenesli izključno nalogo, da pripravi osnutke regulativnih in izvedbenih tehničnih standardov, za katere ni potrebna politična odločitev, za predložitev Evropskemu parlamentu, Svetu in Komisiji.
In accordance with the common understanding on delegated acts between the European Parliament, the Council and the Commission, without prejudice to its further revision, the Commission should take into account the objection period as well as European Parliament and Council procedures concerning the date of transmission of the delegated act.
V skladu s skupnim dogovorom med Evropskim parlamentom, Svetom in Komisijo o delegiranih aktih in brez poseganja v njegovo nadaljnjo revizijo bi morala Komisija upoštevati obdobje za ugovor ter postopke v Evropskem parlamentu in Svetu glede datuma predložitve delegiranega akta.
Furthermore, in accordance with the Common Understanding on delegated acts, without prejudice to its further revision, and, where applicable, Regulation (EU) No 1094/2010, proper transparency and appropriate contacts with the European Parliament and with the Council should be ensured in advance of the adoption of the delegated act.
Poleg tega bi bilo treba v skladu s skupnim dogovorom o delegiranih aktih in brez poseganja v njegovo nadaljnjo revizijo ter po potrebi v skladu z Uredbo (EU) št. 1094/2010 pred sprejetjem delegiranega akta zagotoviti ustrezno preglednost in ustrezne kontakte z Evropskim parlamentom in s Svetom.
Directive 95/46/EC of the European Parliament and of the Council and Regulation (EC) No 45/2001 of the European Parliament and of the Council should govern the processing of personal data carried out by EIOPA within the framework of this Directive, under the supervision of the European Data Protection Supervisor.
Direktiva 95/46/ES Evropskega parlamenta in Sveta ter Uredba (ES) št. 45/2001 Evropskega parlamenta in Sveta bi morali urejati obdelavo osebnih podatkov, ki jo izvaja EIOPA v okviru te direktive in pod nadzorom evropskega nadzornika za varstvo podatkov.
This Directive respects the fundamental rights and observes the principles recognised in the Charter of Fundamental Rights of the European Union, as enshrined in the Treaties.
Ta direktiva spoštuje temeljne pravice in načela, ki jih priznava Listina Evropske unije o temeljnih pravicah, kot so določeni v Pogodbah.
This Directive should not be too burdensome for small and medium-sized insurance and reinsurance distributors.
Ta direktiva ne bi smela biti preobremenjujoča za majhne in srednje velike distributerje zavarovalnih in pozavarovalnih produktov.
That principle should apply both to the requirements imposed on the insurance and reinsurance distributors and to the exercise of supervisory powers.
To načelo bi moralo veljati tako za zahteve glede distributerjev zavarovalnih in pozavarovalnih produktov kot za izvajanje nadzornih pooblastil.
A review of this Directive should be carried out five years after the date on which it enters into force in order to take account of market developments as well as developments in other areas of Union law or Member States’ experiences in the implementation of Union law, in particular with regard to products covered by Directive 2003/41/EC of the European Parliament and of the Council.
Pregled te direktive bi bilo treba opraviti pet let po datumu začetka njene veljavnosti, da se upošteva razvoj na trgu in razvoj na drugih področjih pravnega reda Unije ali izkušnje držav članic pri izvajanju pravnega reda Unije, zlasti v zvezi s produkti, ki jih zajema Direktiva 2003/41/ES Evropskega parlamenta in Sveta.
Directive 2002/92/EC should be repealed 24 months after the entry into force of this Directive.
Direktivo 2002/92/ES bi bilo treba razveljaviti 24 mesecev po začetku veljavnosti te direktive.
However, Chapter IIIA of Directive 2002/92/EC should be deleted with effect from the date of entry into force of this Directive.
Vendar bi bilo treba poglavje IIIA Direktive 2002/92/ES črtati z učinkom od datuma začetka veljavnosti te direktive.
The obligation to transpose this Directive into national law should be confined to those provisions which represent an amendment of the substance of Directive 2002/92/EC.
Obveznost prenosa te direktive v nacionalno pravo bi morala biti omejena na tiste določbe, ki pomenijo vsebinsko spremembo Direktive 2002/92/ES.
This Directive should be without prejudice to the obligations of the Member States relating to the time limits for transposition into national law of Directive 2002/92/EC.
Ta direktiva ne bi smela posegati v obveznosti držav članic glede rokov za prenos Direktive 2002/92/ES v nacionalno pravo.
The European Data Protection Supervisor was consulted in accordance with Article 28(2) of Regulation (EC) No 45/2001 and delivered an opinion on 23 November 2012.
Opravljeno je bilo posvetovanje z Evropskim nadzornikom za varstvo podatkov v skladu s členom 28(2) Uredbe (ES) št. 45/2001, ki je mnenje podal 23. novembra 2012.
Since the objectives of this Directive cannot be sufficiently achieved by the Member States but can rather, by reason of its scale, be better achieved at Union level, the Union may adopt measures, in accordance with the principle of subsidiarity as set out in Article 5 of the Treaty on European Union.
Ker ciljev te direktive države članice ne morejo zadovoljivo doseči, temveč se zaradi njihovega obsega lažje dosežejo na ravni Unije, lahko Unija sprejme ukrepe v skladu z načelom subsidiarnosti iz člena 5 Pogodbe o Evropski uniji.
In accordance with the principle of proportionality as set out in that Article, this Directive does not go beyond what is necessary in order to achieve those objectives.
V skladu z načelom sorazmernosti iz navedenega člena ta direktiva ne presega tistega, kar je potrebno za doseganje navedenih ciljev.
In accordance with the Joint Political Declaration of Member States and the Commission of 28 September 2011 on explanatory documents, Member States have undertaken to accompany, in justified cases, the notification of their transposition measures with one or more documents explaining the relationship between the components of a directive and the corresponding parts of national transposition instruments.
Države članice so se v skladu s skupno politično deklaracijo držav članic in Komisije z dne 28. septembra 2011 o obrazložitvenih dokumentih zavezale, da bodo v utemeljenih primerih uradnemu obvestilu o svojih ukrepih za prenos priložile enega ali več dokumentov, ki bodo pojasnjevali razmerje med sestavnimi deli direktive in ustreznimi deli nacionalnih instrumentov za prenos.
With regard to this Directive, the legislator considers the transmission of such documents to be justified,
V zvezi s to direktivo zakonodajalec meni, da je predložitev takih dokumentov upravičena –
CHAPTER I
POGLAVJE I
This Directive lays down rules concerning the taking-up and pursuit of the activities of insurance and reinsurance distribution in the Union.
Ta direktiva določa pravila za začetek opravljanja in opravljanje dejavnosti distribucije zavarovalnih in pozavarovalnih produktov v Uniji.
This Directive applies to any natural or legal person who is established in a Member State or who wishes to be established there in order to take up and pursue the distribution of insurance and reinsurance products.
Ta direktiva se uporablja za vsako fizično ali pravno osebo, ki ima ali želi imeti sedež v državi članici, da bi začela opravljati in opravljala distribucijo zavarovalnih in pozavarovalnih produktov.
This Directive shall not apply to ancillary insurance intermediaries carrying out insurance distribution activities where all the following conditions are met:
Ta direktiva se ne uporablja za posrednike dopolnilnih zavarovanj, ki opravljajo dejavnosti distribucije zavarovalnih produktov, kadar so izpolnjeni naslednji pogoji:
the insurance is complementary to the good or service supplied by a provider, where such insurance covers:
zavarovanje dopolnjuje blago ali storitev, ki ga dobavi oziroma posreduje ponudnik, pri čemer tako zavarovanje zajema:
damage to, or loss of, baggage and other risks linked to travel booked with that provider;
sorazmerni znesek plačane premije za zavarovalni produkt letno ne presega 600 EUR;
the amount of the premium paid for the insurance product does not exceed EUR 600 calculated on a pro rata annual basis;
z odstopanjem od točke (b), kadar zavarovanje dopolnjuje storitev iz točke (a) in je trajanje te storitve enako ali krajše od treh mesecev, znesek premije plačan na osebo ne presega 200 EUR.
by way of derogation from point (b), where the insurance is complementary to a service referred to in point (a) and the duration of that service is equal to, or less than, three months, the amount of the premium paid per person does not exceed EUR 200.
Države članice zagotovijo, da zavarovalnica ali zavarovalni posrednik, ki opravlja dejavnost distribucije prek posrednika dopolnilnih zavarovanj, ki je na podlagi odstavka 3 izvzet iz uporabe te direktive, zagotovi da:
Member States shall ensure that, when carrying out a distribution activity through an ancillary insurance intermediary who is exempted from the application of this Directive pursuant to paragraph 3, the insurance undertaking or insurance intermediary ensures that:
ima stranka pred sklenitvijo pogodbe na voljo informacije o njegovi identiteti in naslovu ter o postopkih iz člena 14, ki strankam in drugim zainteresiranim stranem omogočajo vlaganje pritožb;
information is made available to the customer, prior to the conclusion of the contract, about its identity and address and about the procedures referred to in Article 14 allowing customers and other interested parties to lodge complaints;
so vzpostavljene ustrezne in sorazmerne ureditve za skladnost s členoma 17 in 24 ter da so pred predložitvijo pogodbe upoštevane zahteve in potrebe stranke;
appropriate and proportionate arrangements are in place to comply with Articles 17 and 24 and to consider the demands and needs of the customer before the proposal of the contract;
se pred sklenitvijo pogodbe stranki zagotovi dokument z informacijami o zavarovalnem produktu iz člena 20(5).
the insurance product information document referred to in Article 20(5) is provided to the customer prior to the conclusion of the contract.
Države članice zagotovijo, da pristojni organi spremljajo trg, tudi trg dopolnilnih zavarovalnih produktov, ki se tržijo, distribuirajo ali prodajajo v njihovi državi članici ali iz nje.
Member States shall ensure that competent authorities monitor the market, including the market for ancillary insurance products which are marketed, distributed or sold in, or from, their Member State.
To spremljanje lahko omogoči in usklajuje EIOPA.
EIOPA may facilitate and coordinate such monitoring.
Ta direktiva se ne uporablja za dejavnosti distribucije zavarovalnih in pozavarovalnih produktov v zvezi z nevarnostjo in obveznostmi na območjih zunaj Unije.
This Directive shall not apply to insurance and reinsurance distribution activities in relation to risks and commitments located outside the Union.
Ta direktiva ne sme vplivati na pravo države članice na področju dejavnosti distribucije zavarovalnih in pozavarovalnih produktov, ki jo izvajajo zavarovalni in pozavarovalni posredniki ali zavarovalnice in pozavarovalnice, ki imajo sedež v tretji državi in poslujejo na njenem ozemlju v skladu z načelom svobode opravljanja storitev, če je zagotovljeno enako obravnavanje vsem osebam, ki opravljajo oziroma so pooblaščene za opravljanje dejavnosti distribucije zavarovalnih in pozavarovalnih produktov na tem trgu.
This Directive shall not affect a Member State’s law in respect of insurance and reinsurance distribution activities pursued by insurance and reinsurance undertakings or intermediaries established in a third country and operating on its territory under the principle of freedom to provide services, provided that equal treatment is guaranteed to all persons carrying out or authorised to carry out insurance and reinsurance distribution activities on that market.
Ta direktiva ne ureja dejavnosti distribucije zavarovalnih ali pozavarovalnih produktov, ki se izvaja v tretjih državah.
This Directive shall not regulate insurance or reinsurance distribution activities carried out in third countries.
Države članice obvestijo Komisijo o vseh splošnih težavah, s katerimi se srečujejo njihovi distributerji zavarovalnih ali pozavarovalnih produktov pri ustanavljanju ali opravljanju dejavnosti distribucije zavarovalnih ali pozavarovalnih produktov v tretji državi.
Member States shall inform the Commission of any general difficulties which their insurance or reinsurance distributors encounter in establishing themselves or carrying out insurance or reinsurance distribution activities in any third country.
Člen 2
Definitions
V tej direktivi:
For the purposes of this Directive:
„distribucija zavarovalnih produktov“ pomeni dejavnosti svetovanja, predlaganja ali izvajanja drugih pripravljalnih opravil pred sklenitvijo zavarovalnih pogodb, sklepanje takih pogodb ali pomoč pri njihovem vodenju in izvajanju, zlasti v primeru zahtevka, kakor tudi zagotavljanje informacij o zavarovalni pogodbi ali več pogodbah na podlagi meril, ki jih stranka izbere na spletnem mestu ali v drugih medijih, ter zagotavljanje lestvice zavarovalnih produktov, vključno s primerjavo cen in produktov, ali popust na ceno zavarovalne pogodbe, če lahko stranka na koncu postopka neposredno ali posredno sklene zavarovalno pogodbo z uporabo spletnega mesta ali drugega medija;
‘insurance distribution’ means the activities of advising on, proposing, or carrying out other work preparatory to the conclusion of contracts of insurance, of concluding such contracts, or of assisting in the administration and performance of such contracts, in particular in the event of a claim, including the provision of information concerning one or more insurance contracts in accordance with criteria selected by customers through a website or other media and the compilation of an insurance product ranking list, including price and product comparison, or a discount on the price of an insurance contract, when the customer is able to directly or indirectly conclude an insurance contract using a website or other media;
„distribucija pozavarovalnih produktov“ pomeni dejavnosti svetovanja, predlaganja ali izvajanja drugih pripravljalnih opravil pred sklenitvijo pozavarovalnih pogodb, sklepanje takih pogodb ali pomoč pri njihovem vodenju in izvajanju, zlasti v primeru zahtevka, tudi če jih opravlja pozavarovalnica brez vključitve pozavarovalnega posrednika;
‘reinsurance distribution’ means the activities of advising on, proposing, or carrying out other work preparatory to the conclusion of contracts of reinsurance, of concluding such contracts, or of assisting in the administration and performance of such contracts, in particular in the event of a claim, including when carried out by a reinsurance undertaking without the intervention of a reinsurance intermediary;
„zavarovalni posrednik“ pomeni vsako fizično ali pravno osebo, razen zavarovalnice in pozavarovalnice ali njenih zaposlenih ter posrednika dopolnilnih zavarovanj, ki proti plačilu začne opravljati ali opravlja dejavnost distribucije zavarovalnih produktov;
‘insurance intermediary’ means any natural or legal person, other than an insurance or reinsurance undertaking or their employees and other than an ancillary insurance intermediary, who, for remuneration, takes up or pursues the activity of insurance distribution;
„posrednik dopolnilnih zavarovanj“ pomeni vsako fizično ali pravno osebo, razen kreditne institucije in investicijskega podjetja, kot sta opredeljena v točkah 1 in 2 člena 4(1) Uredbe (EU) št. 575/2013 Evropskega parlamenta in Sveta, ki začne proti plačilu opravljati ali opravlja dejavnost distribucije zavarovalnih produktov kot dopolnilno dejavnost, če so izpolnjeni vsi naslednji pogoji:
‘ancillary insurance intermediary’ means any natural or legal person, other than a credit institution or an investment firm as defined in points (1) and (2) of Article 4(1) of Regulation (EU) No 575/2013 of the European Parliament and of the Council, who, for remuneration, takes up or pursues the activity of insurance distribution on an ancillary basis, provided that all the following conditions are met:
glavna poklicna dejavnost te fizične ali pravne osebe ni distribucija zavarovalnih produktov;
the principal professional activity of that natural or legal person is other than insurance distribution;
fizična ali pravna oseba zgolj distribuira določene zavarovalne produkte, ki dopolnjujejo blago ali storitev;
the natural or legal person only distributes certain insurance products that are complementary to a good or service;
zadevni zavarovalni produkti ne pokrivajo tveganj življenjskega zavarovanja ali zavarovanja odgovornosti, razen če to kritje dopolnjuje blago ali storitev, ki jo posrednik ponuja v okviru glavne poklicne dejavnosti;
the insurance products concerned do not cover life assurance or liability risks, unless that cover complements the good or service which the intermediary provides as its principal professional activity;
„pozavarovalni posrednik“ pomeni vsako fizično ali pravno osebo, razen pozavarovalnice ali njenih zaposlenih, ki začne proti plačilu opravljati ali opravlja dejavnost distribucije pozavarovalnih produktov;
‘reinsurance intermediary’ means any natural or legal person, other than a reinsurance undertaking or its employees, who, for remuneration, takes up or pursues the activity of reinsurance distribution;
„zavarovalnica“ pomeni zavarovalnico, kot je opredeljena v točki 1 člena 13 Direktive 2009/138/ES Evropskega parlamenta in Sveta;
‘insurance undertaking’ means an undertaking as defined in Article 13 point 1 of Directive 2009/138/EC of the European Parliament and of the Council;
„pozavarovalnica“ pomeni pozavarovalnico, kot je opredeljena v točki 4 člena 13 Direktive 2009/138/ES;
‘reinsurance undertaking’ means a reinsurance undertaking as defined in Article 13 point 4 of Directive 2009/138/EC;
„distributer zavarovalnih produktov“ pomeni vsakega zavarovalnega posrednika, posrednika dopolnilnih zavarovanj ali zavarovalnico;
‘insurance distributor’ means any insurance intermediary, ancillary insurance intermediary or insurance undertaking;
„plačilo“ pomeni vsako provizijo, honorar, pristojbino ali drugo plačilo, vključno s katero koli ekonomsko koristjo ali katero koli drugo finančno ali nefinančno ugodnostjo ali spodbudo, ki se ponudi ali plača za dejavnosti distribucije zavarovalnih produktov;
‘remuneration’ means any commission, fee, charge or other payment, including an economic benefit of any kind or any other financial or non-financial advantage or incentive offered or given in respect of insurance distribution activities;
„matična država članica“ pomeni:
‘home Member State’ means:
kadar je posrednik fizična oseba, državo članico, v kateri je njegovo stalno prebivališče;
where the intermediary is a natural person, the Member State in which his or her residence is situated;
kadar je posrednik pravna oseba, državo članico, v kateri je njegov statutarni sedež, ali, če po zakonodaji te države nima statutarnega sedeža, državo članico, v kateri je njegova glavna uprava;
where the intermediary is a legal person, the Member State in which its registered office is situated or, if under its national law it has no registered office, the Member State in which its head office is situated;
„država članica gostiteljica“ pomeni državo članico, v kateri ima zavarovalni ali pozavarovalni posrednik stalno predstavništvo ali je v njej ustanovljen oziroma tam opravlja storitve in ki ni njegova matična država članica;
‘host Member State’ means the Member State in which an insurance or reinsurance intermediary has a permanent presence or establishment or provides services, and which is not its home Member State;
„podružnica“ pomeni zastopstvo ali podružnico posrednika, ki je na ozemlju države članice, ki ni matična država članica;
‘branch’ means an agency or a branch of an intermediary which is located in the territory of a Member State other than the home Member State;
„tesne povezave“ pomeni tesne povezave, kot so opredeljene v točki 17 člena 13 Direktive 2009/138/ES;
‘close links’ means close links as defined in Article 13 point 17 of Directive 2009/138/EC;
„primarni kraj poslovanja“ pomeni mesto, od koder se upravlja glavna dejavnost;
‘primary place of business’ means the location from where the main business is managed;
„svetovanje“ pomeni dajanje osebnega priporočila stranki, bodisi na njeno zahtevo bodisi na pobudo distributerja zavarovalnih produktov, glede ene ali več zavarovalnih pogodb;
‘advice’ means the provision of a personal recommendation to a customer, either upon their request or at the initiative of the insurance distributor, in respect of one or more insurance contracts;
„velika nevarnost“ pomeni veliko nevarnost, kot je opredeljena v točki 27 člena 13 Direktive 2009/138/ES;