natgillin/translations-raw huggingface dataset:
whether the inducement is entirely or mainly paid at the moment of the conclusion of the insurance contract or extends over the whole term of that contract;
ali je določena katera koli oblika spremenljivega ali pogojnega praga ali katera koli druga vrsta pospeševalca vrednosti, ki se aktivira, ko se doseže cilj na podlagi obsega ali vrednosti prodaje.
the existence of an appropriate mechanism for reclaiming the inducement in case the product lapses or is surrendered at an early stage or in case the interests of the customer have been harmed;
POGLAVJE III
the existence of any form of variable or contingent threshold or any other kind of value accelerator which is unlocked by attaining a target based on volume or value of sales.
OCENA PRIMERNOSTI IN USTREZNOSTI
ASSESSMENT OF SUITABILITY AND APPROPRIATENESS
Ocena primernosti
SECTION 1
Člen 9
Assessment of suitability
Informacije, ki jih je treba pridobiti za oceno primernosti
Article 9
Zavarovalni posredniki ali zavarovalnice za namene svetovanja o zavarovalnem naložbenem produktu v skladu s členom 30(1) Direktive (EU) 2016/97 določijo obseg informacij, ki jih je treba zbrati od strank ali potencialnih strank, pri čemer upoštevajo vse elemente svetovanja, ki se zagotovi tem strankam ali potencialnim strankam.
Information to be obtained for the purposes of the assessment of suitability
Brez poseganja v dejstvo, da mora biti v skladu s členom 20(1) Direktive (EU) 2016/97 vsaka predlagana pogodba v skladu z zahtevami in potrebami stranke, zavarovalni posredniki ali zavarovalnice od strank ali potencialnih strank pridobijo informacije, ki jih potrebujejo, da se seznanijo z osnovnimi dejstvi o stranki ali potencialni stranki in da pridobijo razumno osnovo za določitev, ali njihovo osebno priporočilo stranki ali potencialni stranki izpolnjuje vsa naslednja merila:
For the purposes of providing advice on an insurance-based investment product in accordance with Article 30(1) of Directive (EU) 2016/97, insurance intermediaries or insurance undertakings shall determine the extent of the information to be collected from the customer or potential customer in light of all the features of the advice to be provided to the customer or potential customer.
uresničuje investicijske cilje stranke ali potencialne stranke, vključno z dovoljenim tveganjem te osebe;
Without prejudice to the fact that, in accordance with Article 20(1) of Directive (EU) 2016/97, any contract proposed shall be consistent with the customer's demands and needs, insurance intermediaries or insurance undertakings shall obtain from customers or potential customers such information as is necessary for them to understand the essential facts about the customer or potential customer and to have a reasonable basis for determining that their personal recommendation to the customer or potential customer satisfies all of the following criteria:
ustreza finančnemu položaju stranke ali potencialne stranke, vključno z njeno zmožnostjo kritja izgub;
it meets the customer's or potential customer's investment objectives, including that person's risk tolerance;
je takšno, da ima stranka ali potencialna stranka potrebno znanje in izkušnje s področja naložb, povezanih s specifično vrsto produkta ali storitve.
it meets the customer's or potential customer's financial situation, including that person's ability to bear losses;
Informacije v zvezi s finančnim položajem stranke ali potencialne stranke, vključno z njeno zmožnostjo kritja izgub, vključujejo, po potrebi, informacije o viru in obsegu rednih dohodkov stranke ali potencialne stranke, sredstvih, vključno z likvidnimi sredstvi, naložbah in nepremičninah ter o njenih rednih finančnih obveznostih.
it is such that the customer or potential customer has the necessary knowledge and experience in the investment field relevant to the specific type of product or service.
Raven zbranih informacij je ustrezna glede na specifično vrsto produkta ali storitve, ki se preučuje.
The information regarding the customer's or potential customer's financial situation, including that person's ability to bear losses, shall include, where relevant, information on the source and extent of the customer's or potential customer's regular income, assets, including liquid assets, investments and real property and the regular financial commitments.
Informacije v zvezi z investicijskimi cilji stranke ali potencialne stranke, vključno z dovoljenim tveganjem te osebe, po potrebi vključujejo informacije o tem, kako dolgo želi stranka ali potencialna stranka imeti naložbo, o njenih preferencah glede prevzemanja tveganj, o njenem profilu tveganja in o namenih naložbe.
The level of information gathered shall be appropriate to the specific type of product or service being considered.
Če zavarovalni posrednik ali zavarovalnica ne pridobi informacij, ki se zahtevajo v skladu s členom 30(1) Direktive (EU) 2016/97, zavarovalni posrednik ali zavarovalnica stranki ali potencialni stranki ne svetuje o zavarovalnih naložbenih produktih.
The information regarding the customer's or potential customer's investment objectives, including that person's risk tolerance, shall include, where relevant, information on the length of time for which the customer or potential customer wishes to hold the investment, that person's preferences regarding risk taking, the risk profile, and the purposes of the investment.
Če noben produkt ni primeren za stranko ali potencialno stranko, zavarovalni posrednik ali zavarovalnica pri svetovanju o zavarovalnem naložbenem produktu v skladu s členom 30(1) Direktive (EU) 2016/97 ne priporoči nobenega produkta.
Where the insurance intermediary or insurance undertaking does not obtain the information required under Article 30(1) of Directive (EU) 2016/97, the insurance intermediary or insurance undertaking shall not provide advice on insurance-based investment products to the customer or potential customer.
Pri svetovanju, ki vključuje zamenjavo med osnovnimi naložbenimi sredstvi, zavarovalni posredniki in zavarovalnice zberejo tudi potrebne informacije o obstoječih osnovnih naložbenih sredstvih in priporočenih novih naložbenih sredstvih stranke ter izvedejo analizo pričakovanih stroškov in koristi zamenjave, tako da lahko razumno dokažejo, da bodo po pričakovanjih koristi zamenjave večje od stroškov.
When providing advice on an insurance-based investment product in accordance with Article 30(1) of Directive (EU) 2016/97, an insurance intermediary or insurance undertaking shall not make a recommendation where none of the products are suitable for the customer or potential customer.
Člen 10
When providing advice that involves switching between underlying investment assets, insurance intermediaries and insurance undertakings shall also collect the necessary information on the customer's existing underlying investment assets and the recommended new investment assets and shall undertake an analysis of the expected costs and benefits of the switch, such that they are reasonably able to demonstrate that the benefits of switching are expected to be greater than the costs.
Zanesljivost informacij
Article 10
Zavarovalni posredniki in zavarovalnice sprejmejo razumne ukrepe za zagotovitev, da so informacije, zbrane o strankah ali potencialnih strankah za namene ocene primernosti, zanesljive.
Reliability of information
Taki ukrepi med drugim vključujejo:
Insurance intermediaries and insurance undertakings shall take reasonable steps to ensure that the information collected about customers and potential customers for the purposes of the assessment of suitability is reliable.
zagotavljanje, da se stranke zavedajo pomena zagotavljanja točnih in aktualnih informacij;
Such steps shall include, but shall not be limited to, the following:
zagotavljanje, da vsa orodja, kot so orodja za oceno profila tveganja ali orodja za oceno strankinega znanja in izkušenj, uporabljena v postopku ocene primernosti, ustrezajo namenu in so primerno zasnovana za uporabo pri strankah podjetja, pri čemer se vse omejitve opredelijo in aktivno obvladujejo med postopkom ocene primernosti;
ensuring that customers are aware of the importance of providing accurate and up-to-date information;
zagotavljanje, da bodo stranke verjetno razumele vprašanja, uporabljena pri postopku ter da vprašanja natančno odražajo strankine cilje in potrebe ter zajemajo informacije, ki so potrebne za oceno primernosti, in
ensuring that all tools, such as risk assessment profiling tools or tools to assess a customer's knowledge and experience, employed in the suitability assessment process are fit-for-purpose and are appropriately designed for use with their customers, with any limitations identified and actively mitigated through the suitability assessment process;
sprejetje ustreznih ukrepov za zagotovitev doslednosti informacij strank, na primer preverjanje, ali so v informacijah, ki so jih predložile stranke, očitne netočnosti.
ensuring that questions used in the process are likely to be understood by the customers and to capture an accurate reflection of the customer's objectives and needs and the information necessary to undertake the suitability assessment;
Člen 11
taking steps, as appropriate, to ensure the consistency of customer information, such as considering whether there are obvious inaccuracies in the information provided by the customer.
Komunikacija s strankami glede ocene primernosti
Article 11
Zavarovalni posredniki in zavarovalnice ne ustvarjajo nobene dvoumnosti ali zmede glede svojih odgovornosti v postopku, v katerem ocenjujejo primernost zavarovalnih naložbenih produktov v skladu s členom 30(1) Direktive (EU) 2016/97.
Communication with customers regarding the assessment of suitability
Zavarovalni posredniki in zavarovalnice na jasen in preprost način stranke obvestijo, da je razlog za oceno primernosti zavarovalnemu posredniku ali zavarovalnici omogočiti, da ravna v najboljšem interesu stranke.
Insurance intermediaries and insurance undertakings shall not create any ambiguity or confusion about their responsibilities in the process of assessing the suitability of insurance-based investment products in accordance with Article 30(1) of Directive (EU) 2016/97.
Člen 12
Insurance intermediaries and insurance undertakings shall inform customers, clearly and simply, that the reason for assessing suitability is to enable them to act in the customer's best interest.
Avtomatizirano svetovanje
Article 12
Odgovornost zavarovalnega posrednika ali zavarovalnice za izvedbo ocene primernosti v skladu s členom 30(1) Direktive (EU) 2016/97 se ne zmanjša, ker se svetovanje o zavarovalnih naložbenih produktih deloma ali v celoti izvaja prek avtomatiziranega ali polavtomatiziranega sistema.
Automated advice
Člen 13
The insurance intermediary's or insurance undertaking's responsibility to perform the suitability assessment in accordance with Article 30(1) of Directive (EU) 2016/97 shall not be reduced due to the fact that advice on insurance-based investment products is provided in whole or in part through an automated or semi-automated system.
Skupinsko zavarovanje
Article 13
Zavarovalni posrednik ali zavarovalnica v zvezi s skupinskim zavarovanjem pripravi in izvaja politiko, s kateri določi, za koga se izvede ocena primernosti, kadar se zavarovalna pogodba sklene v imenu skupine članov, pri čemer se posamezni član ne more posamezno odločiti za vključitev.
Group insurance
Taka politika vključuje tudi pravila o tem, kako se bo ocena izvajala v praksi, vključno s tem, od koga se zberejo informacije o znanju in izkušnjah, finančnem položaju in investicijskih ciljih.
With regard to group insurance the insurance intermediary or insurance undertaking shall establish and implement a policy as to who shall be subject to the suitability assessment in case an insurance contract is concluded on behalf of a group of members and each individual member cannot take an individual decision to join.
Zavarovalni posrednik ali zavarovalnica evidentira politiko, vzpostavljeno v skladu s prvim odstavkom.
Such a policy shall also contain rules on how that assessment will be done in practice, including from whom information about knowledge and experience, financial situation and investment objectives shall be collected.
Člen 14
The insurance intermediary or insurance undertaking shall record the policy established pursuant to the first paragraph.
Izjava o primernosti
Article 14
Pri svetovanju o primernosti zavarovalnega naložbenega produkta v skladu s členom 30(1) Direktive (EU) 2016/97 zavarovalni posredniki in zavarovalnice stranki predložijo izjavo (izjavo o primernosti), ki vključuje:
Suitability statement
opis svetovanja;
When providing advice on the suitability of an insurance-based investment product in accordance with Article 30(1) of Directive (EU) 2016/97, insurance intermediaries and insurance undertakings shall provide a statement to the customer (suitability statement) that includes the following:
informacije o tem, kako je zagotovljeno priporočilo primerno za stranko, še zlasti, kako:
an outline of the advice given;
uresničuje investicijske cilje stranke, vključno z dovoljenim tveganjem te osebe;
information on how the recommendation provided is suitable for the customer, in particular how it meets:
ustreza finančnemu položaju stranke, vključno z njeno zmožnostjo kritja izgub, in
the customer's investment objectives, including that person's risk tolerance;
ustreza znanju in izkušnjam stranke.
the customer's financial situation, including that person's ability to bear losses;
Zavarovalni posredniki in zavarovalnice v izjavo o primernosti vključijo in stranke opozorijo na informacije o tem, ali je verjetno, da bo morala stranka v zvezi s priporočenimi zavarovalnimi naložbenimi produkti zaprositi za redni pregled njihovih ureditev.
the customer's knowledge and experience.
Če je zavarovalni posrednik ali zavarovalnica stranko obvestil, da bo izvedel redno oceno primernosti, so lahko nadaljnje izjave po vzpostavitvi začetne storitve omejene na spremembe v storitvah ali osnovnih naložbenih sredstvih in/ali okoliščinah stranke, pri čemer ni treba znova navajati vseh podrobnosti iz prve izjave.
Insurance intermediaries and insurance undertakings shall draw customers' attention to, and shall include in the suitability statement, information on whether the recommended insurance-based investment products are likely to require the customer to seek a periodic review of their arrangements.
Zavarovalni posredniki in zavarovalnice, ki zagotavljajo redno oceno primernosti, v skladu z najboljšimi interesi svojih strank primernost priporočenih zavarovalnih naložbenih produktov pregledajo vsaj enkrat letno.
Where an insurance intermediary or insurance undertaking has informed the customer that it will carry out a periodic assessment of suitability, the subsequent statements after the initial service is established may be limited to changes in the services or underlying investment assets, and/or the circumstances of the customer without repeating all the details contained in the first statement.
Pogostost ocenjevanja se poveča glede na značilnosti stranke, kot je dovoljeno tveganje, in naravo priporočenega zavarovalnega naložbenega produkta.
Insurance intermediaries and insurance undertakings providing a periodic assessment of suitability shall review, in accordance with the best interests of their customers, the suitability of the recommended insurance-based investment products at least annually.
ODDELEK 2
The frequency of this assessment shall be increased depending on the characteristics of the customer, such as the risk tolerance, and the nature of the recommended insurance-based investment product.
Ocena ustreznosti
SECTION 2
Člen 15
Assessment of appropriateness
Postopek ocenjevanja
Article 15
Brez poseganja v dejstvo, da mora biti v skladu s členom 20(1) Direktive (EU) 2016/97 vsaka predlagana pogodba skladna z zahtevami in potrebami stranke, zavarovalni posredniki ali zavarovalnice preverijo, ali ima stranka potrebne izkušnje in znanje, da lahko razume tveganja, povezana s predlagano ali zahtevano storitvijo ali produktom, ko ocenjujejo, ali je zavarovalna storitev ali produkt, distribuiran v skladu s členom 30(2) Direktive (EU) 2016/97, ustrezen za stranko.
Assessment procedure
Člen 16
Without prejudice to the fact that, in accordance with Article 20(1) of Directive (EU) 2016/97, any contract proposed shall be consistent with the customer's demands and needs, insurance intermediaries or insurance undertakings shall determine whether the customer has the necessary knowledge and experience in order to understand the risks involved in relation to the service or product proposed or demanded when assessing whether an insurance service or product distributed in accordance with Article 30(2) of Directive (EU) 2016/97 is appropriate for the customer.
Nekompleksni zavarovalni naložbeni produkti
Article 16
Zavarovalni naložbeni produkt se šteje za nekompleksnega za namene člena 30(3)(a)(ii) Direktive (EU) 2016/97, kadar izpolnjuje vsa naslednja merila:
Non-complex insurance-based investment products
vključuje pogodbeno zajamčeno minimalno vrednost zapadlosti, ki je vsaj enaka znesku, ki ga stranka plača po odbitku upravičenih stroškov;
An insurance-based investment product shall be considered as non-complex for the purposes of Article 30(3)(a)(ii) of Directive (EU) 2016/97 where it satisfies all of the following criteria:
ne vključuje klavzule, pogoja ali sprožilca, ki zavarovalnici omogoča, da bistveno spremeni naravo, tveganje ali profil izplačila zavarovalnega naložbenega produkta;
it includes a contractually guaranteed minimum maturity value which is at least the amount paid by the customer after deduction of legitimate costs;
zagotavlja možnosti za predčasno prekinitev ali drugo obliko unovčenja zavarovalnega naložbenega produkta v vrednosti, ki je stranki na voljo;
it does not incorporate a clause, condition or trigger that allows the insurance undertaking to materially alter the nature, risk, or pay-out profile of the insurance-based investment product;
ne vključuje nobenih eksplicitnih ali implicitnih stroškov, zaradi katerih bi se lahko, tudi če tehnično obstajajo pogoste priložnosti za predčasno prekinitev ali drugo obliko unovčenja zavarovalnega naložbenega produkta, povzročila nerazumna škoda stranki, ker so dajatve nesorazmerne s stroški za zavarovalnico;
it provides options to surrender or otherwise realise the insurance-based investment product at a value that is available to the customer;
na noben drug način ne vključuje strukture, ki bi stranki otežila razumevanje povezanih tveganj.
it does not include any explicit or implicit charges which have the effect that, even though there are technically options to surrender or otherwise realise the insurance-based investment product, doing so may cause unreasonable detriment to the customer because the charges are disproportionate to the cost to the insurance undertaking;
ODDELEK 3
it does not in any other way incorporate a structure which makes it difficult for the customer to understand the risks involved.
Skupne določbe za oceno primernosti in ustreznosti
SECTION 3
Člen 17
Provisions common to the assessment of suitability and appropriateness
Informacije, ki se pridobijo od stranke
Article 17
Za namene člena 30(1) in (2) Direktive (EU) 2016/97 potrebne informacije, ki jih zavarovalni posredniki in zavarovalnice pridobijo v zvezi z znanjem in izkušnjami stranke ali potencialne stranke na zadevnem področju naložb, po potrebi vključujejo, in sicer v ustrezni meri glede na naravo stranke, naravo in vrsto ponujenega ali zahtevanega produkta ali storitve, vključno s kompleksnostjo in tveganji, ki jih vsebuje:
Information to be obtained from the customer
vrste storitev, poslov, zavarovalnih naložbenih produktov ali finančnih instrumentov, s katerimi je stranka ali potencialna stranka seznanjena;
For the purposes of Article 30(1) and (2) of Directive (EU) 2016/97, the necessary information to be obtained by insurance intermediaries and insurance undertakings with regard to the customer's or potential customer's knowledge and experience in the relevant investment field shall include, where relevant, the following, to the extent appropriate to the nature of the customer, and the nature and type of product or service offered or demanded, including their complexity and the risks involved:
naravo, število, obseg in pogostost poslov stranke ali potencialne stranke z zavarovalnimi naložbenimi produkti ali finančnimi instrumenti in obdobje, v katerem so bili izvedeni;
the types of service, transaction, insurance-based investment product or financial instrument with which the customer or potential customer is familiar;
stopnjo izobrazbe in poklic ali zadevni nekdanji poklic stranke ali potencialne stranke.
the nature, number, value and frequency of the customer's or potential customer's transactions in insurance-based investment products or financial instruments and the period over which they have been carried out;
Zavarovalni posrednik ali zavarovalnica ne sme stranke ali potencialne stranke odvračati od zagotovitve informacij, ki se zahtevajo na podlagi člena 30(1) in (2) Direktive (EU) 2016/97.
the level of education, and profession or relevant former profession of the customer or potential customer.
Če so bile informacije, zahtevane za namene člena 30(1) ali (2) Direktive (EU) 2016/97, že pridobljene v skladu s členom 20 Direktive (EU) 2016/97, jih zavarovalni posredniki in zavarovalnice od stranke ne zahtevajo znova.
The insurance intermediary or insurance undertaking shall not discourage a customer or potential customer from providing information required for the purposes of Article 30(1) and (2) of Directive (EU) 2016/97.
Zavarovalni posrednik ali zavarovalnica ima pravico, da se opira na informacije, ki jih predložijo njegove stranke ali potencialne stranke, razen če ve ali bi moral vedeti, da so te informacije očitno zastarele, netočne ali nepopolne.
Where information required for the purposes of Article 30(1) or (2) of Directive (EU) 2016/97 has already been obtained pursuant to Article 20 of Directive (EU) 2016/97, insurance intermediaries and insurance undertakings shall not request it anew from the customer.
Člen 18
The insurance intermediary or insurance undertaking shall be entitled to rely on the information provided by its customers or potential customers unless it is aware or ought to be aware that the information is manifestly out of date, inaccurate or incomplete.
Redno poročilo
Article 18
Brez poseganja v člen 185 Direktive 2009/138/ES Evropskega parlamenta in Sveta [4] zavarovalni posrednik ali zavarovalnica stranki na trajnem nosilcu podatkov predloži redno poročilo o opravljenih storitvah in poslih, sklenjenih v imenu stranke.
Periodic report
Redno poročilo, zahtevano v odstavku 1, zagotavlja pošten in uravnotežen pregled opravljenih storitev in poslov, sklenjenih v imenu stranke, v obdobju poročanja ter vključuje, kadar je ustrezno, skupne stroške v zvezi s temi storitvami in posli ter vrednost vsakega osnovnega naložbenega sredstva.
Without prejudice to Article 185 of Directive 2009/138/EC of the European Parliament and of the Council [4], the insurance intermediary or insurance undertaking shall provide the customer with a periodic report, on a durable medium, of the services provided to and transactions undertaken on behalf of the customer.
Redno poročilo, zahtevano v odstavku 1, se zagotovi vsaj enkrat letno.
The periodic report required under paragraph 1 shall provide a fair and balanced review of the services provided to and transactions undertaken on behalf of that customer during the reporting period and shall include, where relevant, the total costs associated with these services and transactions, and the value of each underlying investment asset.
Člen 19
The periodic report required under paragraph 1 shall be provided at least annually.
Hramba evidenc
Article 19
Brez poseganja v uporabo Uredbe (EU) 2016/679 Evropskega parlamenta in Sveta [5] zavarovalni posredniki in zavarovalnice vodijo evidence ocen primernosti ali ustreznosti, opravljenih v skladu s členom 30(1) in (2) Direktive (EU) 2016/97.