natgillin/translations-raw huggingface dataset:
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 insurance distributor and the customer if there is evidence that the customer has regular access to the internet.
Ta odstavek se ne uporablja, kadar je zavarovalni produkt pomožni produkt v razmerju do investicijske storitve ali dejavnosti, kot je opredeljena v točki 2 člena 4(1) Direktive 2014/65/EU, kreditne pogodbe, kot je opredeljena v točki 3 člena 4 Direktive 2014/17/EU Evropskega parlamenta in Sveta, ali plačilnega računa, kot je opredeljen v točki 3 člena 2 Direktive 2014/92/EU Evropskega parlamenta in Sveta.
The provision by the customer of an e-mail address for the purposes of that business shall be regarded as such evidence.
EIOPA lahko pripravi smernice za oceno in nadzor navzkrižne prodaje, v katerih navede okoliščine, v katerih navzkrižna prodaja ni v skladu z obveznostmi, ki so določene v členu 17.
In the case of telephone selling, the information given to the customer by the insurance distributor prior to the conclusion of the contract, including the insurance product information document, shall be provided in accordance with Union rules applicable to the distance marketing of consumer financial services.
Ta člen ne preprečuje distribucije zavarovalnih produktov, ki zagotavljajo kritje za različne vrste tveganj (paketne zavarovalne police).
Moreover, even if the customer has chosen to obtain prior information on a durable medium other than paper in accordance with paragraph 4, information shall be provided by the insurance distributor to the customer in accordance with paragraph 1 or paragraph 2 immediately after the conclusion of the insurance contract.
V primerih iz odstavkov 1 in 3 države članice zagotovijo, da distributer zavarovalnih produktov določi zahteve in potrebe stranke glede na zavarovalne produkte, ki so del celotnega paketa ali istega sporazuma.
Article 24
Države članice lahko ohranijo ali sprejmejo dodatne strožje določbe ali ukrepajo v posameznih primerih, da bi preprečile prodajo zavarovanj skupaj s pomožno storitvijo ali produktom, ki ni zavarovanje, kot del paketa ali istega sporazuma, če lahko dokažejo, da je takšna praksa v škodo potrošnikom.
Cross-selling
Člen 25
When an insurance product is offered together with an ancillary product or service which is not insurance, as part of a package or the same agreement, the insurance distributor shall inform the customer whether it is possible to buy the different components separately and, if so, shall provide an adequate description of the different components of the agreement or package as well as separate evidence of the costs and charges of each component.
Nadzor produktov ter zahteve glede upravljanja
In the circumstances referred to in paragraph 1, and where the risk or the insurance coverage resulting from such an agreement or package offered to a customer is different from that associated with the components taken separately, the insurance distributor shall provide an adequate description of the different components of the agreement or package and the way in which their interaction modifies the risk or the insurance coverage.
Zavarovalnice, pa tudi posredniki, ki pripravljajo finančne instrumente za prodajo strankam, imajo vzpostavljene, vodijo in pregledujejo postopke za odobritev vsakega zavarovalnega produkta ali pomembnih prilagoditev obstoječih zavarovalnih produktov pred njihovim trženjem ali distribucijo strankam.
Where an insurance product is ancillary to a good or a service which is not insurance, as part of a package or the same agreement, the insurance distributor shall offer the customer the possibility of buying the good or service separately.
Postopek odobritve produkta mora biti sorazmeren in primeren glede na naravo zavarovalnega produkta.
This paragraph shall not apply where an insurance product is ancillary to an investment service or activity as defined in point 2 of Article 4(1) of Directive 2014/65/EU, a credit agreement as defined in point 3 of Article 4 of Directive 2014/17/EU of the European Parliament and of the Council, or a payment account as defined in point 3 of Article 2 of Directive 2014/92/EU of the European Parliament and of the Council.
Postopek odobritve produkta opredeljuje ugotovljeni ciljni trg za vsak produkt in zagotovi, da so ocenjena vsa pomembna tveganja za tak trg ter da je predvidena strategija porazdelitev v skladu z ugotovljenim ciljnim trgom in da se sprejmejo ustrezni ukrepi za zagotovitev, da se zavarovalni produkt proda na opredeljenem ciljnem trgu.
EIOPA may develop guidelines for the assessment and the supervision of cross-selling practices indicating situations in which cross-selling practices are not compliant with the obligations laid down in Article 17.
Zavarovalnica razume in redno pregleduje zavarovalne produkte, ki jih ponuja ali trži, pri čemer upošteva vse dogodke, ki bi lahko bistveno vplivali na morebitno tveganje za opredeljen ciljni trg, da oceni vsaj, ali je produkt še skladen s potrebami opredeljenega ciljnega trga in ali je načrtovana distribucijska strategija še ustrezna.
This Article shall not prevent the distribution of insurance products which provide coverage for various types of risks (multi-risk insurance policies).
Zavarovalnice, pa tudi posredniki, ki pripravljajo zavarovalne produkte, dajo distributerjem na voljo vse ustrezne informacije o zavarovalnih produktih in postopku za odobritev produkta, pa tudi o opredeljenem ciljnem trgu zavarovalnega produkta.
In the cases referred to in paragraphs 1 and 3, Member States shall ensure that an insurance distributor specifies the demands and needs of the customer in relation to the insurance products that form part of the overall package or the same agreement.
Kadar distributer zavarovanih produktov ponuja ali priporoča zavarovalne produkte, ki jih ne pripravlja, uredi vse potrebno za pridobitev informacij iz petega pododstavka in razumevanje lastnosti ter opredeljenega ciljnega trga vsakega takega zavarovalnega produkta.
Member States may maintain or adopt additional stricter measures or intervene on a case-by-case basis to prohibit the sale of insurance together with an ancillary service or product which is not insurance, as part of a package or the same agreement, when they can demonstrate that such practices are detrimental to consumers.
Na Komisijo se prenese pooblastilo za sprejemanje delegiranih aktov v skladu s členom 38, da se nadalje opredelijo načela, določena v tem členu, pri čemer se sorazmerno upošteva način, kako se dejavnosti opravljajo, narava zavarovalnih produktov, ki se prodajajo, in narava distributerja.
Article 25
Politike, postopki in ureditve iz tega člena ne posegajo v druge zahteve v okviru te direktive, tudi ne v zahteve v zvezi z razkritjem, primernostjo ali ustreznostjo, prepoznavanjem in obvladovanjem nasprotja interesov ter spodbudami.
Product oversight and governance requirements
Ta člen se ne uporablja za zavarovalne produkte, ki so namenjeni zavarovanjem za velika tveganja.
Insurance undertakings, as well as intermediaries which manufacture any insurance product for sale to customers, shall maintain, operate and review a process for the approval of each insurance product, or significant adaptations of an existing insurance product, before it is marketed or distributed to customers.
POGLAVJE VI
The product approval process shall be proportionate and appropriate to the nature of the insurance product.
DODATNE ZAHTEVE V ZVEZI Z ZAVAROVALNIMI NALOŽBENIMI PRODUKTI
The product approval process shall specify an identified target market for each product, ensure that all relevant risks to such identified target market are assessed and that the intended distribution strategy is consistent with the identified target market, and take reasonable steps to ensure that the insurance product is distributed to the identified target market.
Člen 26
The insurance undertaking shall understand and regularly review the insurance products it offers or markets, taking into account any event that could materially affect the potential risk to the identified target market, to assess at least whether the product remains consistent with the needs of the identified target market and whether the intended distribution strategy remains appropriate.
Področje uporabe dodatnih zahtev
Insurance undertakings, as well as intermediaries which manufacture insurance products, shall make available to distributors all appropriate information on the insurance product and the product approval process, including the identified target market of the insurance product.
To poglavje vzpostavlja zahteve, ki so dodatne zahtevam iz členov 17, 18, 19 in 20, za distribucijo zavarovalnih produktov, kadar se izvajajo v zvezi s prodajo zavarovalnih naložbenih produktov prek:
Where an insurance distributor advises on, or proposes, insurance products which it does not manufacture, it shall have in place adequate arrangements to obtain the information referred to in the fifth subparagraph and to understand the characteristics and identified target market of each insurance product.
zavarovalnega posrednika;
The Commission shall be empowered to adopt delegated acts in accordance with Article 38 to further specify the principles set out in this Article, taking into account in a proportionate way the activities performed, the nature of the insurance products sold and the nature of the distributor.
zavarovalnice.
The policies, processes and arrangements referred to in this Article shall be without prejudice to all other requirements under this Directive including those relating to disclosure, suitability or appropriateness, identification and management of conflicts of interest, and inducements.
Člen 27
This Article shall not apply to insurance products which consist of the insurance of large risks.
Preprečevanje nasprotja interesov
CHAPTER VI
Brez poseganja v člen 17 zavarovalni posrednik ali zavarovalnica, ki distribuira zavarovalne naložbene produkte za stranke, vzdržuje in izvaja učinkovito organizacijsko in upravno ureditev, tako da lahko sprejme vse potrebne ukrepe, s katerimi prepreči, da bi nasprotje interesov iz člena 28 škodilo interesom njegovih oziroma njenih strank.
ADDITIONAL REQUIREMENTS IN RELATION TO INSURANCE-BASED INVESTMENT PRODUCTS
Ta ureditev je sorazmerna glede na opravljene dejavnosti, prodane zavarovalne produkte in vrsto distributerja.
Article 26
Člen 28
Scope of additional requirements
Nasprotja interesov
This Chapter establishes requirements additional to those applicable to insurance distribution in accordance with Articles 17, 18, 19 and 20, where the insurance distribution is carried out in relation to the sale of insurance-based investment products by any of the following:
Države članice zagotovijo, da zavarovalni posredniki in zavarovalnice sprejmejo ustrezne ukrepe za ugotavljanje medsebojnih nasprotij interesov, vključno med njihovimi vodilnimi in zaposlenimi ali katero koli osebo, ki je posredno ali neposredno povezana z njimi prek nadzora in njihovih strank, ali med dvema strankama, ki nastanejo med opravljanjem dejavnosti distribucije zavarovalnih produktov.
an insurance intermediary;
Kadar organizacijski ali administrativni ukrepi, ki jih v skladu s členom 27 sprejme zavarovalni posrednik ali zavarovalnica za obvladovanje nasprotja interesov, niso dovolj za razumno zagotovitev, da bo nevarnost škodovanja interesom strank preprečena, zavarovalni posrednik ali zavarovalnica stranki nedvoumno in pravočasno razkrije splošno naravo ali vire nasprotja interesov, preden sklene zavarovalno pogodbo.
an insurance undertaking.
Z odstopanjem od člena 23(1), razkritje iz odstavka 2 tega člena:
Article 27
vsebuje dovolj podrobnosti, pri čemer se upošteva vrsta stranke, da lahko slednja sprejme informirano odločitev glede dejavnosti distribucije zavarovalnih produktov, v okviru katere je prišlo do nasprotja interesov.
Prevention of conflicts of interest
Na Komisijo se prenese pooblastilo za sprejemanje delegiranih aktov v skladu s členom 38, da:
Without prejudice to Article 17, an insurance intermediary or an insurance undertaking carrying on the distribution of insurance-based investment products shall maintain and operate effective organisational and administrative arrangements with a view to taking all reasonable steps designed to prevent conflicts of interest as determined under Article 28 from adversely affecting the interests of its customers.
opredeli ukrepe, za katere bi se moglo od zavarovalnih posrednikov ali zavarovalnic razumno pričakovati, da jih bodo sprejeli za opredelitev, preprečevanje in razkritje nasprotja interesov pri opravljanju dejavnosti distribucije zavarovalnih produktov;
Those arrangements shall be proportionate to the activities performed, the insurance products sold and the type of the distributor.
vzpostavi ustrezna merila za določanje vrst nasprotij interesov, ki bi lahko škodovala interesom strank ali potencialnih strank zavarovalnega posrednika ali zavarovalnice.
Conflicts of interest
Informacije, ki se zagotovijo strankam
Member States shall ensure that insurance intermediaries and insurance undertakings take all appropriate steps to identify conflicts of interest between themselves, including their managers and employees, or any person directly or indirectly linked to them by control, and their customers or between one customer and another, that arise in the course of carrying out any insurance distribution activities.
Brez poseganja v člen 18 ter člen 19(1) in (2) se ustrezne informacije zagotovijo pravočasno pred sklenitvijo pogodbe stranki ali potencialni stranki, ob upoštevanju distribucije zavarovalnih naložbenih produktov in ob upoštevanju vseh stroškov ter povezanih provizij.
Where organisational or administrative arrangements made by the insurance intermediary or insurance undertaking in accordance with Article 27 to manage conflicts of interest are not sufficient to ensure, with reasonable confidence, that risks of damage to customer interests will be prevented, the insurance intermediary or insurance undertaking shall clearly disclose to the customer the general nature or sources of the conflicts of interest, in good time before the conclusion of an insurance contract.
Te informacije vključujejo najmanj naslednje:
By way of derogation from Article 23(1), the disclosure referred to in paragraph 2 of this Article shall:
kadar se nudi svetovanje, ali bo zavarovalni posrednik ali zavarovalnica stranki redno zagotavljal oceno primernosti zavarovalnih naložbenih produktov, ki se priporočijo tej stranki, iz člena 30;
include sufficient detail, taking into account the nature of the customer, to enable that customer to take an informed decision with respect to the insurance distribution activities in the context of which the conflict of interest arises.
kar zadeva informacije o vseh stroških in povezanih dajatvah, ki se morajo razkriti, informacije v zvezi s distribucijo zavarovalnega naložbenega produkta, vključno s stroški svetovanja, kadar je primerno, stroški zavarovalnega naložbenega produkta, ki se priporoči ali trži stranki, in kako ga stranka lahko plača, vključno z morebitnimi plačili tretjih oseb.
The Commission shall be empowered to adopt delegated acts in accordance with Article 38 in order to:
Informacije o vseh stroških in dajatvah, tudi tistih v zvezi z distribucijo zavarovalnega naložbenega produkta, ki niso posledica uresničitve povezanega tržnega tveganja, se predstavijo v zbirni obliki, da lahko stranka razume celoten strošek, pa tudi kumulativni učinek na donos investicije, na zahtevo stranke pa se predloži razčlemba stroškov in dajatev po postavkah.
define the steps that insurance intermediaries and insurance undertakings might reasonably be expected to take to identify, prevent, manage and disclose conflicts of interest when carrying out insurance distribution activities;
Take informacije se, kadar je potrebno, stranki zagotovijo redno vsaj vsako leto v času trajanja investicije.
establish appropriate criteria for determining the types of conflict of interest whose existence may damage the interests of the customers or potential customers of the insurance intermediary or insurance undertaking.
Informacije iz tega odstavka se zagotovijo v razumljivi obliki na način, ki strankam ali potencialnim strankam omogoča, da razumejo naravo in tveganja ponujenega zavarovalnega naložbenega produkta ter da se posledično odločajo o naložbi na podlagi informacij.
Article 29
Države članice lahko dovolijo, da se te informacije zagotovijo v standardizirani obliki.
Information to customers
Brez poseganja v točki (d) in (e) člena 19(1), člen 19(3) in člen 22(3) države članice zagotovijo, da zavarovalni posredniki ali zavarovalnice izpolnjujejo obveznosti iz člena 17(1), člena 27 ali člena 28, kadar kateri koli osebi razen stranki ali osebi, ki deluje v njenem imenu, plačajo ali od nje prejmejo honorar ali provizijo ali ji zagotovijo ali od nje prejmejo nedenarno korist v zvezi z zagotavljanjem zavarovalnega naložbenega produkta ali izvajanjem pomožne storitve, razen kadar plačilo ali zagotovitev koristi:
Without prejudice to Article 18 and Article 19(1) and (2), appropriate information shall be provided in good time, prior to the conclusion of a contract, to customers or potential customers with regard to the distribution of insurance-based investment products, and with regard to all costs and related charges.
ne vpliva na izpolnjevanje dolžnosti zavarovalnega posrednika ali zavarovalnice, da deluje pošteno, pravično in profesionalno v skladu z najboljšimi interesi stranke.
That information shall include at least the following:
Države članice lahko za distributerje zavarovalnih produktov v izjemnih primerih določijo strožje zahteve v zvezi z zadevami iz tega člena.
when advice is provided, whether the insurance intermediary or insurance undertaking will provide the customer with a periodic assessment of the suitability of the insurance-based investment products recommended to that customer, referred to in Article 30;
Države članice lahko poleg tega zlasti prepovedo ali nadalje omejijo ponujanje ali sprejemanje honorarjev, provizij ali nedenarnih koristi od tretjih oseb v zvezi z zagotavljanjem zavarovalnega svetovanja.
as regards the information on insurance-based investment products and proposed investment strategies, appropriate guidance on, and warnings of, the risks associated with the insurance-based investment products or in respect of particular investment strategies proposed;
Strožje zahteve lahko vključujejo zahtevo, da se vse take honorarje, provizije ali nedenarne koristi vrne stranki ali pobota s pristojbinami, ki jih plača stranka.
as regards the information on all costs and related charges to be disclosed, information relating to the distribution of the insurance-based investment product, including the cost of advice, where relevant, the cost of the insurance-based investment product recommended or marketed to the customer and how the customer may pay for it, also encompassing any third party payments.
Države članice lahko zlasti določijo, da je svetovanje iz člena 30 obvezno za prodajo katerega koli zavarovalnega naložbenega produkta ali za določene vrste zavarovalnih naložbenih produktov.
The information about all costs and charges, including costs and charges in connection with the distribution of the insurance-based investment product, which are not caused by the occurrence of underlying market risk, shall be in aggregated form to allow the customer to understand the overall cost as well as the cumulative effect on the return of the investment, and, where the customer so requests, an itemised breakdown of the costs and charges shall be provided.
Države članice lahko zahtevajo, da je zavarovalni posrednik dolžan, kadar stranko obvesti, da opravlja neodvisno svetovanje, oceniti dovolj veliko število zavarovalnih produktov, dostopnih na trgu, ki so dovolj različni glede na vrsto in izdajatelje, za zagotovitev, da so lahko potrebe stranke ustrezno izpolnjene, in niso omejeni le na zavarovalne produkte, ki jih izdajajo ali ponujajo subjekti, ki imajo tesne povezave s posrednikom.
Where applicable, such information shall be provided to the customer on a regular basis, at least annually, during the life cycle of the investment.
Pri sklepanju zavarovalnih pogodb s strankami, ki imajo običajno bivališče ali so ustanovljene v državi članici, morajo vsi zavarovalni posredniki in zavarovalnice, vključno s tistimi, ki poslujejo v okviru svobode opravljanja storitev ali svobode ustanavljanja, ravnati v skladu s strožjimi določbami te države članice iz tega odstavka.
The information referred to in this paragraph shall be provided in a comprehensible form in such a manner that customers or potential customers are reasonably able to understand the nature and risks concerning the insurance-based investment product offered and, consequently, to take investment decisions on an informed basis.
Brez poseganja v odstavek 3 tega člena se na Komisijo prenese pooblastilo za sprejemanje delegiranih aktov v skladu s členom 38, da določi:
Member States may allow that information to be provided in a standardised format.
merila za presojo, ali imajo spodbude, ki jih plača ali prejme zavarovalni posrednik ali zavarovalnica, škodljiv vpliv na kakovost zadevne storitve za stranko;
Without prejudice to points (d) and (e) of Article 19(1), Article 19(3) and Article 22(3), Member States shall ensure that insurance intermediaries or insurance undertakings are regarded as fulfilling their obligations under Article 17(1), Article 27 or Article 28 where they pay or are paid any fee or commission, or provide or are provided with any non-monetary benefit in connection with the distribution of an insurance-based investment product or an ancillary service, to or by any party except the customer or a person on behalf of the customer only where the payment or benefit:
merila za oceno, ali zavarovalni posredniki in zavarovalnice spoštujejo plačevanje ali prejemanje spodbud v skladu z obveznostjo izpolnjevanja obveznosti poštenega, pravičnega in profesionalnega ravnanja v skladu z najboljšimi interesi stranke.
does not impair compliance with the insurance intermediary’s or insurance undertaking’s duty to act honestly, fairly and professionally in accordance with the best interests of its customers.
narava storitev, ponujenih ali zagotovljenih stranki ali potencialni stranki, ob upoštevanju vrste, namena, obsega in pogostosti poslov;
Member States may impose stricter requirements on distributors in respect of the matters covered by this Article.
narava produktov, ki se ponujajo ali o katerih se odloča, vključno z različnimi vrstami zavarovalnih naložbenih produktov.
In particular, Member States may additionally prohibit or further restrict the offer or acceptance of fees, commissions or non-monetary benefits from third parties in relation to the provision of insurance advice.
Člen 30
Stricter requirements may include requiring any such fees, commissions or non-monetary benefits to be returned to the clients or offset against fees paid by the client.
Ocena primernosti in ustreznosti ter poročanje strankam
Member States may make the provision of advice referred to in Article 30 mandatory for the sales of any insurance-based investment products, or for certain types of them.
Brez poseganja v člen 20(1) zavarovalni posrednik ali zavarovalnica pri svetovanju o zavarovalnem naložbenem produktu pridobi tudi potrebne informacije v zvezi z znanjem in izkušnjami stranke ali potencialne stranke s področja naložb, povezanih s specifično vrsto produkta ali storitve, ter v zvezi s finančnim položajem te osebe, kar vključuje njeno zmožnost kritja izgub, ter cilji naložbe te osebe, vključno z njeno stopnjo dovoljenega tveganja, da lahko zavarovalni posrednik ali zavarovalnica stranki ali potencialni stranki priporoči zavarovalne naložbene produkte, ki so zanjo primerni in so predvsem v skladu z dovoljenim tveganjem in zmožnostjo kritja izgub te osebe.