{"id":435,"date":"2019-04-02T02:36:18","date_gmt":"2019-04-02T02:36:18","guid":{"rendered":"https:\/\/www.solubet.sk\/?page_id=435"},"modified":"2024-08-16T21:23:05","modified_gmt":"2024-08-16T19:23:05","slug":"faq","status":"publish","type":"page","link":"https:\/\/www.solubet.sk\/?page_id=435","title":{"rendered":"O n\u00e1s"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"435\" class=\"elementor elementor-435\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-49b0eed elementor-section-content-middle elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"49b0eed\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a5346cc\" data-id=\"a5346cc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b44fceb elementor-widget elementor-widget-heading\" data-id=\"b44fceb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.7.6 - 15-09-2022 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">o n\u00e1s<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2488d4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b2488d4\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.7.6 - 15-09-2022 *\/\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#2c2c2c;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider 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100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-container>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow,0)}<\/style>\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9540715 elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9540715\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c985e16\" data-id=\"c985e16\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c58168a elementor-widget elementor-widget-heading\" data-id=\"c58168a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">o n\u00e1s<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10b8b31 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"10b8b31\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0abcb9b elementor-section-content-top elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"0abcb9b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-34cdf45\" data-id=\"34cdf45\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56fb760 elementor-widget elementor-widget-text-editor\" data-id=\"56fb760\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.7.6 - 15-09-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p class=\"font_8\" style=\"text-align: center;\"><strong>Na\u0161a spolo\u010dnos\u0165 SOLUBET, s.r.o. vznikla 3.1.2014, s cie\u013eom poskytn\u00fa\u0165 ka\u017ed\u00e9mu klientovi, to najlep\u0161ie z mo\u017enost\u00ed finan\u010dn\u00e9ho, poistn\u00e9ho a od roku 2019 i realitn\u00e9ho trhu. Na\u0161ou dev\u00edzou je v\u017edy profesion\u00e1lny a otvoren\u00fd pr\u00edstup. Chceme t\u00fdmto u\u017e od za\u010diatku spolupr\u00e1ce s klientom dok\u00e1za\u0165, \u017ee jedn\u00e1me korektne a polo\u017ei\u0165 tak z\u00e1klad pre dlhodob\u00fd a d\u00f4vern\u00fd obchodn\u00fd vz\u0165ah. Pon\u00fakame V\u00e1m slu\u017eby v oblasti\u00a0finan\u010dn\u00e9ho sprostredkovania\u00a0(pois\u0165ovn\u00edctva, poskytovania \u00faverov a prij\u00edmania vkladov) a\u00a0realitnej \u010dinnosti\u00a0(predaj, pren\u00e1jom a k\u00fapa nehnute\u013enost\u00ed). Samozrejmos\u0165ou je individu\u00e1lny pr\u00edstup ku ka\u017ed\u00e9mu V\u00e1\u0161mu probl\u00e9mu. Zverte n\u00e1m svoje finan\u010dn\u00e9 a realitn\u00e9 z\u00e1le\u017eitosti a my V\u00e1m pom\u00f4\u017eeme ako najlep\u0161ie vieme.<\/strong><strong><span class=\"wixGuard\">\u200b<\/span><\/strong><\/p><p class=\"font_8\" style=\"text-align: center;\"><strong>Vyu\u017eite komplexn\u00fd poradensk\u00fd a konzulta\u010dn\u00fd servis, na\u0161e nez\u00e1visl\u00e9 a odborn\u00e9 rady na z\u00e1klade 22 ro\u010dnej praxe v pois\u0165ovn\u00edctve.<\/strong><strong><span class=\"wixGuard\">\u200b<\/span><\/strong><\/p><p class=\"font_8\" style=\"text-align: center;\"><strong>V pr\u00edpade ak\u00fdchko\u013evek ot\u00e1zok n\u00e1s kontaktujte.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-23846f0 elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"23846f0\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23df17f\" data-id=\"23df17f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ba80877 elementor-widget elementor-widget-heading\" data-id=\"ba80877\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Slu\u017eby\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6df001e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6df001e\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8e2e80b elementor-section-content-top elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"8e2e80b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-71a3f52\" data-id=\"71a3f52\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-01ac0ff elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"01ac0ff\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"font_8\" style=\"text-align: center;\"><strong>Pon\u00fakame v\u00e1m slu\u017eby realitn\u00e9ho makl\u00e9ra a finan\u010dn\u00e9ho agenta. Potrebujete preda\u0165 dom\/byt alebo naopak k\u00fapi\u0165, prenaja\u0165? Potrebujete prededi\u0165 znovuobjaven\u00e9 dedi\u010dstvo? Radi V\u00e1m s t\u00fdm pom\u00f4\u017eeme. Preferujeme individu\u00e1lny pr\u00edstup ku ka\u017ed\u00e9mu klientovi. Na\u0161i finan\u010dn\u00ed agenti s\u00fa skuto\u010dn\u00ed profesion\u00e1li so \u0161irok\u00fdm spektrom znalost\u00ed pois\u0165ovn\u00edctva a finan\u010dn\u00e9ho trhu. Teraz\u00a0je \u010das &#8222;\u00darokovej revol\u00facie&#8220;, \u010das na pos\u00fadenie Va\u0161ich \u00faverov\/p\u00f4\u017ei\u010diek a zmeni\u0165 ich na lep\u0161\u00ed, v\u00fdhodnej\u0161\u00ed pre V\u00e1s. Sta\u010d\u00ed zavola\u0165 a my V\u00e1s sprostredkujeme, vysvetl\u00edme, porad\u00edme a odporu\u010d\u00edme to najlep\u0161ie pre V\u00e1s v oblasti real\u00edt, poistenia, p\u00f4\u017ei\u010diek a \u00faverov, leasingu, hypot\u00e9ky, stavebn\u00e9ho sporenia, kreditn\u00fdch kariet, sporenia,&#8230;.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-609b482 elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"609b482\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d26b6a3\" data-id=\"d26b6a3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e32688a elementor-widget elementor-widget-heading\" data-id=\"e32688a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pos\u00fadenie existuj\u00faceho poistenia (audit)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f257db8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f257db8\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-73d0dac elementor-section-content-top elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"73d0dac\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-17401d2\" data-id=\"17401d2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-22b1828 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"22b1828\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"font_8\" style=\"text-align: center;\"><strong>Jednou zo slu\u017eieb, ktor\u00fa pon\u00fakame je pos\u00fadenie u\u017e existuj\u00faceho poistenia (audit) u klienta uzatvoren\u00e9ho pred na\u0161im zmluvn\u00fdm vz\u0165ahom.<\/strong><\/p><p style=\"text-align: left;\"><span style=\"text-decoration: underline;\"><strong>Hlavn\u00e9 krit\u00e9ri\u00e1 na ktor\u00e9 sa zameriavame\u00a0pri audite:<\/strong><\/span><\/p><ul><li><p class=\"font_8\" style=\"text-align: left;\">rozsah poistn\u00e9ho krytia z poh\u013eadu \u00fa\u010delnosti a \u00faplnosti<\/p><\/li><li style=\"text-align: left;\"><p class=\"font_8\">opodstatnenos\u0165 a spr\u00e1vnos\u0165 stanovenia poistn\u00fdch s\u00fam a v\u00fd\u0161ky spolu\u00fa\u010dasti<\/p><\/li><li style=\"text-align: left;\"><p class=\"font_8\">preverenie v\u00fd\u0161ky ceny poistenia k dan\u00fdm rizik\u00e1m (\u010di odzrkad\u013euje \u00farove\u0148, kvalitu poskytovan\u00fdch slu\u017eieb)<\/p><\/li><li style=\"text-align: left;\"><p class=\"font_8\">spo\u013eahlivos\u0165 a r\u00fdchlos\u0165 pois\u0165ovne pri likvid\u00e1cii poistn\u00fdch udalost\u00ed<\/p><\/li><li style=\"text-align: left;\"><p class=\"font_8\">pr\u00edstupnos\u0165 pois\u0165ovne prisp\u00f4sobi\u0165 n\u00e1vrh poistenia pod\u013ea po\u017eiadavky klienta<\/p><\/li><li><p class=\"font_8\" style=\"text-align: left;\">pos\u00fadenie finan\u010dnej stability a postavenia<\/p><\/li><\/ul><p><strong>Tento audit V\u00e1m poskytne objekt\u00edvny obraz k Vami u\u017e vypracovan\u00e9mu poistn\u00e9ho programu.<\/strong><\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-344cdf5 elementor-widget elementor-widget-text-editor\" data-id=\"344cdf5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"font_8\" style=\"text-align: center;\"><strong>Samozrejmos\u0165ou je u n\u00e1s anal\u00fdza \u017eelan\u00ed a potrieb klienta, zistenie aktu\u00e1lnej situ\u00e1cie klienta, n\u00e1vrh rie\u0161enia a realiz\u00e1cia rie\u0161enia.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-34d3742 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"34d3742\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d01f69\" data-id=\"2d01f69\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-632c90b elementor-widget elementor-widget-heading\" data-id=\"632c90b\" data-element_type=\"widget\" id=\"informacie\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Inform\u00e1cie pre klienta<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-81e43d8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"81e43d8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5021209\" data-id=\"5021209\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f78cd35 elementor-widget elementor-widget-text-editor\" data-id=\"f78cd35\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div id=\"comp-kaps9jni1\" class=\"BaOVQ8 tz5f0K comp-kaps9jni1 wixui-rich-text\" data-testid=\"richTextElement\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">A. \u010cINNOS\u0164 FINAN\u010cN\u00c9HO AGENTA<\/span><\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">I. Zap\u00edsan\u00fd v\u00a0obchodnom registri Okresn\u00e9ho s\u00fadu Bratislava III v\u00a0odd. Sro, vo vlo\u017eke. \u010d\u00edslo 95055\/B (\u010falej len \u201efinan\u010dn\u00fd agent\u201c)\/ vykon\u00e1va finan\u010dn\u00e9 sprostredkovanie na z\u00e1klade povolenia NBS \u010d.: ODT-14372\/2013-1, udelen\u00e9 20.1.2014 a zmena z 20.apr\u00edla 2017 Rozhodnutie \u010d.z. 100-000-035-230 k \u010d. sp. NBS1-000-009-789 pod\u013ea \u00a7 18 ods. 15 z\u00e1kona \u010d. 186\/2009 Z. z. o finan\u010dnom sprostredkovan\u00ed a finan\u010dnom poradenstve a o zmene a doplnen\u00ed niektor\u00fdch z\u00e1konov v znen\u00ed z\u00e1kona \u010d. 129\/2010 Z. z. o spotrebite\u013esk\u00fdch \u00faveroch a o in\u00fdch \u00faveroch a p\u00f4\u017ei\u010dk\u00e1ch pre spotrebite\u013eov a o zmene a doplnen\u00ed niektor\u00fdch z\u00e1konov.<\/span><\/p><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">\u010cinnos\u0165 samostatn\u00e9ho finan\u010dn\u00e9ho agenta v sektore:<\/span><\/p><ul class=\"font_8 wixui-rich-text__text\"><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">poistenia alebo zaistenia<\/span>\u00a0<span class=\"wixui-rich-text__text\">a podriaden\u00e9ho finan\u010dn\u00e9ho agenta spolo\u010dnosti FINPORTAL a.s\u00a0v sektore.<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">prij\u00edmania vkladov,<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">poskytovania \u00faverov a spotrebite\u013esk\u00fdch \u00faverov.<\/span><\/p><\/li><\/ul><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">II. Finan\u010dn\u00fd agent je\u00a0zap\u00edsan\u00fd v\u00a0registri N\u00e1rodnej banky Slovenska, v zozname samostatn\u00fdch finan\u010dn\u00fdch agentov pod\u00a0registra\u010dn\u00fdm \u010d\u00edslom:\u00a0 182 022<br class=\"wixui-rich-text__text\" \/>\u00dadaje o\u00a0z\u00e1pise finan\u010dn\u00e9ho agenta v\u00a0registri je mo\u017en\u00e9 overi\u0165 na internetovej str\u00e1nke N\u00e1rodnej banky Slovenska www.nbs.sk.<\/span><\/p><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">III. Finan\u010dn\u00fd agent vykon\u00e1va sprostredkovanie v\u00a0sektore poistenia alebo zaistenia, prij\u00edmania vkladov, poskytovania \u00faverov a spotrebite\u013esk\u00fdch \u00faverov na z\u00e1klade p\u00edsomnej zmluvy s\u00a0viacer\u00fdmi finan\u010dn\u00fdmi in\u0161tit\u00faciami, spolo\u010dnos\u0165ami. Finan\u010dn\u00fd agent m\u00e1 uzatvoren\u00e9 zmluvy s\u00a0nasleduj\u00facimi finan\u010dn\u00fdmi in\u0161tit\u00faciami:<\/span><\/p><ul class=\"font_8 wixui-rich-text__text\"><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Allianz &#8211; Slovensk\u00e1 pois\u0165ov\u0148a, a. s.<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">AXA poji\u0161\u0165ovna a.s.,pobo\u010dka pois\u0165ovne z in\u00e9ho \u010dlensk\u00e9ho \u0161t\u00e1tu<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">AXA \u017eivotn\u00ed poji\u0161\u0165ovna a.s., pobo\u010dka pois\u0165ovne z in\u00e9ho \u010dlensk\u00e9ho \u0161t\u00e1tu<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Europ\u00e4ische Reiseversicherung AG<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">\u010cSOB Pois\u0165ov\u0148a, a.s.<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Generali pois\u0165ov\u0148a, a.s.<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">KOMUN\u00c1LNA pois\u0165ov\u0148a, a.s. Vienna Insurance Group<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">KOOPERATIVA pois\u0165ov\u0148a, a.s. Vienna Insurance Group<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">NOVIS Pois\u0165ov\u0148a a. s.<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">COLONNADEInsurance S.A., pobo\u010dka pois\u0165ovne z\u00a0in\u00e9ho \u010dlensk\u00e9ho \u0161t\u00e1tu<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">UNIQA pois\u0165ov\u0148a, a. s.<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Union Pois\u0165ov\u0148a, a.s.<\/span><\/p><\/li><\/ul><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">A Zmluvu o finan\u010dnom sprostredkovan\u00ed pre poz\u00edciu: podriaden\u00fd finan\u010dn\u00fd agent (PFA), sektor:<\/span><\/p><ul class=\"font_8 wixui-rich-text__text\"><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">prij\u00edmania vkladov,<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">poskytovania \u00faverov a spotrebite\u013esk\u00fdch \u00faverov.<\/span><\/p><\/li><\/ul><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">so spolo\u010dnos\u0165ou Finportal, a.s. (SFA), Pribinova 4, 811 09 Bratislava\u00a0<a class=\"wixui-rich-text__text\" href=\"https:\/\/finportal.sk\/\" target=\"_blank\" rel=\"noopener\">www.finportal.sk<\/a><\/span><\/p><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">IV. V \u017eiadnej z\u00a0finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed, spolo\u010dnosti s ktor\u00fdmi m\u00e1 finan\u010dn\u00fd agent SOLUBET, s.r.o uzavret\u00e9 zmluvy, nem\u00e1 finan\u010dn\u00fd agent a ani jeho podriaden\u00ed finan\u010dn\u00ed agenti\u00a0 kvalifikovan\u00fa \u00fa\u010das\u0165 na z\u00e1kladnom iman\u00ed alebo na hlasovac\u00edch pr\u00e1vach.<\/span><\/p><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">V. \u017diadna finan\u010dn\u00e1 in\u0161tit\u00facia, spolo\u010dnos\u0165, s ktorou m\u00e1 finan\u010dn\u00fd agent uzavret\u00fa zmluvu a ani osoby ovl\u00e1daj\u00face tieto finan\u010dn\u00e9 in\u0161tit\u00facie nemaj\u00fa kvalifikovan\u00fa \u00fa\u010das\u0165 na z\u00e1kladnom iman\u00ed alebo na hlasovac\u00edch pr\u00e1vach finan\u010dn\u00e9ho agenta a ani na z\u00e1kladnom iman\u00ed alebo na hlasovac\u00edch pr\u00e1vach podriaden\u00e9ho finan\u010dn\u00e9ho agenta.<\/span><\/p><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">VI. Klient m\u00f4\u017ee poda\u0165 s\u0165a\u017enos\u0165 na vykon\u00e1vanie finan\u010dn\u00e9ho sprostredkovania finan\u010dn\u00fdm agentom alebo podriaden\u00fdm finan\u010dn\u00fdm agentom pod\u013ea reklama\u010dn\u00e9ho poriadku (pozri z\u00e1lo\u017eku\u00a0 Reklama\u010dn\u00fd poriadok)<\/span><\/p><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">VII. Osobitn\u00fdm predpisom upravuj\u00facim mimos\u00fadne vyrovnanie sporov vypl\u00fdvaj\u00facich z\u00a0finan\u010dn\u00e9ho sprostredkovania je z\u00e1kon \u010d. 420\/2004 Z.z. o\u00a0medi\u00e1cii a\u00a0doplnen\u00ed niektor\u00fdch z\u00e1konov.<\/span><\/p><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">VIII. Inform\u00e1cie o pr\u00e1vnych n\u00e1sledkoch uzavretia zmluvy o poskytnut\u00ed finan\u010dnej slu\u017eby a o sp\u00f4soboch a syst\u00e9me ochrany pred zlyhan\u00edm finan\u010dnej in\u0161tit\u00facie.<\/span><\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Ochrana investora pri obchodovan\u00ed s finan\u010dn\u00fdmi n\u00e1strojmi\u00a0pred zlyhan\u00edm finan\u010dnej in\u0161tit\u00facie sa spravuje ustanoveniami z\u00e1kona o CP. Garan\u010dn\u00fd fond invest\u00edci\u00ed je pr\u00e1vnick\u00e1 osoba zriaden\u00e1 z\u00e1konom o CP za \u00fa\u010delom s\u00fastre\u010fovania pe\u0148a\u017en\u00fdch prostriedkov obchodn\u00edkov s cenn\u00fdmi papiermi a pobo\u010diek zahrani\u010dn\u00fdch obchodn\u00edkov s cenn\u00fdmi papiermi, ako aj opr\u00e1vnen\u00fdch spr\u00e1vcovsk\u00fdch spolo\u010dnost\u00ed a pobo\u010diek zahrani\u010dn\u00fdch spr\u00e1vcovsk\u00fdch spolo\u010dnost\u00ed na poskytovanie n\u00e1hrad za nedostupn\u00fd klientsky majetok prijat\u00fd t\u00fdmito subjektmi na vykonanie investi\u010dnej slu\u017eby a naklad\u00e1 s nadobudnut\u00fdmi pe\u0148a\u017en\u00fdmi prostriedkami v s\u00falade so z\u00e1konom. Do Garan\u010dn\u00e9ho fondu invest\u00edci\u00ed prispievaj\u00fa aj spr\u00e1vcovsk\u00e9 spolo\u010dnosti pod\u013ea z\u00e1kona \u010d. 594\/2003 Z.z. o kolekt\u00edvnom investovan\u00ed a o zmene a doplnen\u00ed niektor\u00fdch z\u00e1konov v znen\u00ed neskor\u0161\u00edch predpisov, ktor\u00e9 s\u00fa opr\u00e1vnen\u00e9 poskytova\u0165 slu\u017ebu riadenie portf\u00f3lia.<\/span><\/p><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Garan\u010dn\u00fd fond invest\u00edci\u00ed poskytuje n\u00e1hrady v pr\u00edpade len nedostupnosti majetku klienta. Pred stratami z investovania pri oper\u00e1ci\u00e1ch na finan\u010dn\u00fdch trhoch\u00a0nie je klient chr\u00e1nen\u00fd. S ka\u017edou invest\u00edciou je spojen\u00e9 riziko a doteraj\u0161ie v\u00fdnosy nie s\u00fa z\u00e1rukou bud\u00facich v\u00fdnosov.<\/span><\/p><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><h5 class=\"font_5 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">V sektore poistenia alebo zaistenia<\/span><\/h5><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Pr\u00e1vne n\u00e1sledky uzatvorenia poistnej zmluvy s\u00fa definovan\u00e9 v ustanoveniach Ob\u010dianskeho z\u00e1konn\u00edka a poistnej zmluvy, V\u0161eobecn\u00fdmi poistn\u00fdmi podmienkami a osobitn\u00fdmi poistn\u00fdmi podmienkami. V\u0161eobecn\u00e9 poistn\u00e9 podmienky s\u00fa neoddelite\u013enou s\u00fa\u010das\u0165ou zmluvy, preto ich obsah m\u00e1 rovnak\u00fd v\u00fdznam ako samotn\u00e1 zmluva.<\/span><\/p><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Pred\u010dasn\u00e9 ukon\u010denie poistnej zmluvy m\u00f4\u017ee ma\u0165 pri ur\u010dit\u00fdch druhoch poistenia za n\u00e1sledok stratu poistn\u00e9ho plnenia, alebo vyplatenie men\u0161ieho poistn\u00e9ho plnenia. Takisto neplnenie si z\u00e1v\u00e4zkov z poistnej zmluvy m\u00f4\u017ee ma\u0165 za n\u00e1sledok uplatnenie ur\u010dit\u00fdch sankci\u00ed zo strany finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed, ako je pred\u010dasn\u00e9 ukon\u010denie platnosti zmluvy, zmena podmienok poskytovania dohodnut\u00e9ho poistenia, strata n\u00e1roku na poistn\u00e9 plnenie a pod.<\/span><\/p><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Zodpovednos\u0165 za z\u00e1v\u00e4zky pois\u0165ovne vo\u010di poistn\u00edkom vypl\u00fdva z ustanoven\u00ed z\u00e1kona \u010d. 8\/2008 Z.z. o pois\u0165ovn\u00edctve a o zmene a doplnen\u00ed niektor\u00fdch z\u00e1konov v platnom znen\u00ed. V s\u00falade s t\u00fdmto z\u00e1konom a vych\u00e1dzaj\u00fac zo smernice Eur\u00f3pskeho parlamentu a Rady 2009\/138\/ES o za\u010dat\u00ed a vykon\u00e1van\u00ed poistenia a zaistenia (Solventnos\u0165 II), je ka\u017ed\u00e1 pois\u0165ov\u0148a povinn\u00e1 udr\u017eiava\u0165 svoju kapit\u00e1lov\u00fa primeranos\u0165 v miere dostato\u010dnej na krytie z\u00e1v\u00e4zkov, vypl\u00fdvaj\u00facich z poistn\u00fdch zml\u00fav od po\u010diatku svojej \u010dinnosti po cel\u00fa dobu svojho podnikania. Rovnako je pois\u0165ov\u0148a povinn\u00e1 prispieva\u0165 do Garan\u010dn\u00e9ho fondu, z ktor\u00e9ho sa poskytuj\u00fa a uhr\u00e1dzaj\u00fa z\u00e1v\u00e4zky pois\u0165ovne vo\u010di klientom. Doh\u013ead nad pois\u0165ov\u0148ami vykon\u00e1va N\u00e1rodn\u00e1 banka Slovenska, ktor\u00e1 je v pr\u00edpade zlyh\u00e1vania pois\u0165ovne opr\u00e1vnen\u00e1 okrem in\u00e9ho po\u017eadova\u0165 ozdravn\u00fd pl\u00e1n \u010dinnosti pois\u0165ovne, uklada\u0165 sankcie, rozhodn\u00fa\u0165 o n\u00fatenej spr\u00e1ve alebo nariadi\u0165 prevod klientskeho kme\u0148a na in\u00fa pois\u0165ov\u0148u, ktor\u00e1 je vzh\u013eadom na svoju solventnos\u0165 schopn\u00e1 vst\u00fapi\u0165 do v\u0161etk\u00fdch pr\u00e1v a povinnost\u00ed p\u00f4vodnej pois\u0165ovne vo\u010di klientom v s\u00falade s \u00a7 80 z\u00e1kona \u010d. 8\/2008 Z. z. o pois\u0165ovn\u00edctve a o zmene a doplnen\u00ed niektor\u00fdch z\u00e1konov v platnom znen\u00ed<\/span><\/p><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><h5 class=\"font_5 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">V sektore prij\u00edmania vkladov<\/span><\/h5><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Vklady ob\u010danov v bank\u00e1ch s\u00fa chr\u00e1nen\u00e9 v s\u00falade s osobitn\u00fdm z\u00e1konom o ochrane vkladov. V nadv\u00e4znosti na zmenu z\u00e1kona \u010d. 118\/1996 Z. z. o ochrane vkladov a o zmene a doplnen\u00ed niektor\u00fdch z\u00e1konov vykonan\u00fa z\u00e1konom \u010d. 421\/2008 Z. z., by Fond ochrany vkladov v pr\u00edpade vzniku neschopnosti banky alebo pobo\u010dky zahrani\u010dnej banky vypl\u00e1ca\u0165 vklady poskytol jedn\u00e9mu vkladate\u013eovi alebo inej osobe opr\u00e1vnenej pod\u013ea z\u00e1kona o ochrane vkladov n\u00e1hradu v plnej v\u00fd\u0161ke jeho chr\u00e1nen\u00e9ho nedostupn\u00e9ho vkladu (\u00a7 9 ods. 2 z\u00e1kona o ochrane vkladov). Od 30.12.2010 je v\u00fd\u0161ka vkladov v bank\u00e1ch v Slovenskej republike ako aj v \u010fal\u0161\u00edch krajin\u00e1ch EU chr\u00e1nen\u00e1 jednotne do v\u00fd\u0161ky\u00a0100.000,- Eur.<\/span><\/p><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><h5 class=\"font_5 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">V sektore poskytovania \u00faverov<\/span><\/h5><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Pri zlyhan\u00ed \u00faverovej in\u0161tit\u00facie ost\u00e1vaj\u00fa z\u00e1v\u00e4zky klienta platn\u00e9 a \u00fa\u010dinn\u00e9 a\u017e do lehoty uplynutia preml\u010dacej lehoty 3 roky v zmysle z\u00e1kona \u010d. 40\/1964 Z. z. ob\u010dianskeho z\u00e1konn\u00edka v znen\u00ed neskor\u0161\u00edch predpisov s podmienkou vymo\u017eenia dlhu najnesk\u00f4r v lehote do 10 rokov. Z\u00e1v\u00e4zky dl\u017en\u00edka vo\u010di verite\u013eovi m\u00f4\u017eu by\u0165 post\u00fapen\u00e9 inej \u00faverovej in\u0161tit\u00facii alebo in\u00e9mu postupn\u00edkovi, vo\u010di ktor\u00e9mu bude dl\u017en\u00edk povinn\u00fd na\u010falej plni\u0165 svoje z\u00e1v\u00e4zky zo zmluvy, pri\u010dom postupca je povinn\u00fd dl\u017en\u00edkovi t\u00fato zmenu ozn\u00e1mi\u0165 p\u00edsomne.<\/span><\/p><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><h5 class=\"font_5 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">IX. Inform\u00e1cie o poplatkoch a in\u00fdch n\u00e1kladoch s\u00favisiacich so sprostredkovanou finan\u010dnou slu\u017ebou<\/span><\/h5><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">N\u00e1klady a poplatky s\u00favisiace s poskytovan\u00edm finan\u010dn\u00fdch slu\u017eieb s\u00fa klientovi ozn\u00e1men\u00e9 pred poskytnut\u00edm finan\u010dn\u00e9ho produktu, resp. finan\u010dn\u00e9ho n\u00e1stroja. Tieto n\u00e1klady a poplatky s\u00fa obsiahnut\u00e9 v dokumentoch alebo sadzobn\u00edkoch finan\u010dn\u00fdch in\u0161tit\u00facii, ktor\u00e9 s\u00fa s\u00fa\u010das\u0165ou zmluvnej dokument\u00e1cie s klientom. S poskytovan\u00edm finan\u010dn\u00fdch slu\u017eieb a obchodovan\u00edm s finan\u010dn\u00fdmi n\u00e1strojmi m\u00f4\u017eu by\u0165 spojen\u00e9 aj \u010fal\u0161ie n\u00e1klady, vr\u00e1tane da\u0148ov\u00fdch povinnost\u00ed.<br class=\"wixui-rich-text__text\" \/>Klient m\u00f4\u017ee po\u017eiada\u0165 finan\u010dn\u00e9ho agenta o ozn\u00e1menie v\u00fd\u0161ky pe\u0148a\u017en\u00e9ho plnenia, ktor\u00e9 prij\u00edma za sprostredkovanie finan\u010dnej slu\u017eby. V sektore poistenia alebo zaistenia sa pri uzavieran\u00ed zml\u00fav \u017eivotn\u00e9ho poistenia za splnenie povinnosti pova\u017euje informovanie klienta o priemernej v\u00fd\u0161ke n\u00e1kladov na finan\u010dn\u00e9 sprostredkovanie pri jednotliv\u00fdch odvetviach \u017eivotn\u00e9ho poistenia. Prijatie ak\u00e9hoko\u013evek pe\u0148a\u017en\u00e9ho plnenia alebo nepe\u0148a\u017en\u00e9ho plnenia nesmie br\u00e1ni\u0165 povinnosti finan\u010dn\u00e9ho agenta kona\u0165 v z\u00e1ujme klienta.<\/span><\/p><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><h5 class=\"font_5 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">X. Inform\u00e1cie o opr\u00e1vnen\u00ed z\u00edskava\u0165 osobn\u00e9 \u00fadaje a in\u00e9 inform\u00e1cie od klienta a od z\u00e1stupcu klienta<\/span><\/h5><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Na z\u00e1klade \u00a7 31 Z\u00e1kona m\u00e1 finan\u010dn\u00fd agent pr\u00e1vo z\u00edskava\u0165, zaznamen\u00e1va\u0165, uchov\u00e1va\u0165, vyu\u017e\u00edva\u0165 a inak sprac\u00fava\u0165 osobn\u00e9 \u00fadaje klienta alebo z\u00e1stupcu klienta na \u00fa\u010dely:<\/span><\/p><ul class=\"font_8 wixui-rich-text__text\"><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">vykon\u00e1vania finan\u010dn\u00e9ho sprostredkovania,<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">identifik\u00e1cie klienta alebo z\u00e1stupcu klienta,<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">overovania tejto identifik\u00e1cie,<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">ochrany a dom\u00e1hania sa pr\u00e1v finan\u010dn\u00e9ho agenta vo\u010di klientom,<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">zdokumentovania \u010dinnosti,<\/span><\/p><\/li><li class=\"wixui-rich-text__text\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">vykon\u00e1vania doh\u013eadu a na plnenie \u00faloh a povinnost\u00ed finan\u010dn\u00e9ho agenta.<\/span><\/p><\/li><\/ul><p class=\"font_8 wixui-rich-text__text\">\u00a0<\/p><\/div><div id=\"comp-kaps9jnk\" class=\"BaOVQ8 tz5f0K comp-kaps9jnk wixui-rich-text\" data-testid=\"richTextElement\"><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">B. REALITN\u00c1 \u010cINNOS\u0164<\/span><\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Spolo\u010dnos\u0165 SOLUBET, s.r.o. z\u00e1pisom z 07.06.2019 roz\u0161\u00edrila predmet podnikania o Sprostredkovanie predaja, pren\u00e1jmu a k\u00fapy nehnute\u013enost\u00ed &#8211; RELITN\u00da \u010cINNOS\u0164.<\/span><\/p><h5 class=\"font_5 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Rie\u0161enie s\u0165a\u017enost\u00ed<\/span><\/h5><h5 class=\"font_5 wixui-rich-text__text\">\u00a0<\/h5><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Klient m\u00f4\u017ee poda\u0165 s\u0165a\u017enos\u0165 na vykon\u00e1vanie realitnej \u010dinnosti pod\u013ea reklama\u010dn\u00e9ho poriadku (pozri z\u00e1lo\u017eku Reklama\u010dn\u00fd poriadok).<\/span><\/p><h5 class=\"font_5 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Rie\u0161enie sporov<\/span><\/h5><h5 class=\"font_5 wixui-rich-text__text\">\u00a0<\/h5><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">Alternat\u00edvne rie\u0161enie spotrebite\u013esk\u00fdch sporov Org\u00e1nom alternat\u00edvneho rie\u0161enia sporov zo z\u00e1kona s\u00fa \u00darad pre regul\u00e1ciu sie\u0165ov\u00fdch odvet\u00ed, \u00darad pre regul\u00e1ciu elektronick\u00fdch komunik\u00e1ci\u00ed a po\u0161tov\u00fdch slu\u017eieb a Slovensk\u00e1 obchodn\u00e1 in\u0161pekcia.<\/span><\/p><p class=\"font_8 wixui-rich-text__text\" style=\"text-align: center;\"><span class=\"wixui-rich-text__text\">Cel\u00fd zoznam subjektov alternat\u00edvneho rie\u0161enia spotrebite\u013esk\u00fdch sporov je uveden\u00fd na str\u00e1nke ministerstva hospod\u00e1rstva:\u00a0<a class=\"wixui-rich-text__text\" href=\"https:\/\/www.mhsr.sk\/obchod\/ochrana-spotrebitela\" target=\"_blank\" rel=\"noopener\">www.mhsr.sk<\/a><\/span><\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-94e1d10 elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"94e1d10\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-52270cf\" data-id=\"52270cf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c63b680 elementor-widget elementor-widget-heading\" data-id=\"c63b680\" data-element_type=\"widget\" id=\"alternativne\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Alternat\u00edvne riesenie spotrebitelskych sporov<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccc564b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ccc564b\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4a58468 elementor-section-content-top elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"4a58468\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-44d4b78\" data-id=\"44d4b78\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c7162d9 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c7162d9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: center;\"><b>Org\u00e1nom alternat\u00edvneho rie\u0161enia sporov zo z\u00e1kona s\u00fa \u00darad pre regul\u00e1ciu sie\u0165ov\u00fdch odvet\u00ed, \u00darad pre regul\u00e1ciu elektronick\u00fdch komunik\u00e1ci\u00ed a po\u0161tov\u00fdch slu\u017eieb a Slovensk\u00e1 obchodn\u00e1 in\u0161pekcia. Cel\u00fd zoznam subjektov alternat\u00edvneho rie\u0161enia spotrebite\u013esk\u00fdch sporov je uveden\u00fd aj na str\u00e1nke ministerstva hospod\u00e1rstva:\u00a0<\/b><a style=\"background-color: #ffffff;\" href=\"http:\/\/Org\u00e1nom alternat\u00edvneho rie\u0161enia sporov zo z\u00e1kona s\u00fa \u00darad pre regul\u00e1ciu sie\u0165ov\u00fdch odvet\u00ed, \u00darad pre regul\u00e1ciu elektronick\u00fdch komunik\u00e1ci\u00ed a po\u0161tov\u00fdch slu\u017eieb a Slovensk\u00e1 obchodn\u00e1 in\u0161pekcia. Cel\u00fd zoznam subjektov alternat\u00edvneho rie\u0161enia spotrebite\u013esk\u00fdch sporov je uveden\u00fd aj na str\u00e1nke ministerstva hospod\u00e1rstva: https:\/\/www.mhsr.sk\/obchod\/ochrana-spotrebitelaa\" target=\"_blank\" rel=\"noopener\">https:\/\/www.mhsr.sk\/obchod\/ochrana-spotrebitela<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>o n\u00e1s o n\u00e1s Na\u0161a spolo\u010dnos\u0165 SOLUBET, s.r.o. vznikla 3.1.2014, s cie\u013eom poskytn\u00fa\u0165 ka\u017ed\u00e9mu klientovi, to najlep\u0161ie z mo\u017enost\u00ed finan\u010dn\u00e9ho, poistn\u00e9ho a od roku 2019 i realitn\u00e9ho trhu. Na\u0161ou dev\u00edzou je v\u017edy profesion\u00e1lny a otvoren\u00fd pr\u00edstup. Chceme t\u00fdmto u\u017e od za\u010diatku spolupr\u00e1ce s klientom dok\u00e1za\u0165, \u017ee jedn\u00e1me korektne a polo\u017ei\u0165 tak z\u00e1klad pre dlhodob\u00fd a &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.solubet.sk\/?page_id=435\"> <span class=\"screen-reader-text\">O n\u00e1s<\/span> \u010c\u00edtajte viac &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":432,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"disabled","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"class_list":["post-435","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.solubet.sk\/index.php?rest_route=\/wp\/v2\/pages\/435","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.solubet.sk\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.solubet.sk\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.solubet.sk\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.solubet.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=435"}],"version-history":[{"count":78,"href":"https:\/\/www.solubet.sk\/index.php?rest_route=\/wp\/v2\/pages\/435\/revisions"}],"predecessor-version":[{"id":4489,"href":"https:\/\/www.solubet.sk\/index.php?rest_route=\/wp\/v2\/pages\/435\/revisions\/4489"}],"up":[{"embeddable":true,"href":"https:\/\/www.solubet.sk\/index.php?rest_route=\/wp\/v2\/pages\/432"}],"wp:attachment":[{"href":"https:\/\/www.solubet.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=435"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}