Lact Sustav valu,

Takšni odnosi lahko zlasti ogrozijo ugled finančnega sektorja in ga izpostavijo pravnim tveganjem. The third party, or the person that has introduced the customer, should also retain its own responsibility for compliance with this Directive, including the requirement to report suspicious transactions and maintain records, to the extent that it has a relationship with the customer that is covered by this Directive. Diese Garantie gilt auch für reparierte oder ersetzte Produkte für den Rest des gültigen Zeitraums der ursprünglichen Garantie oder neunzig 90 Tage ab dem Lieferdatum eines reparierten oder ersetzten Produkts, je nachdem, welcher dieser beiden Zeitpunkte später ist. Sie haben ferner Anspruch auf Reparatur oder Ersatz, wenn ein Produkt keine annehmbare Qualität aufweist und der Fehler unwesentlich ist.

Money laundering, terrorism financing and organised crime remain significant problems which Lact Sustav valu be addressed at Union level. In addition to further developing the criminal law approach at Union level, targeted and proportionate prevention of the use of the financial system for the purposes of money laundering and terrorist financing is indispensable and can produce complementary results.

Pranje denarja, financiranje terorizma in organizirani kriminal ostajajo velike težave, ki bi jih bilo treba obravnavati na ravni Unije. Poleg nadaljnjega razvoja kazenskopravnega pristopa na ravni Unije je nujno in lahko prinese dodatne rezultate tudi usmerjeno in sorazmerno preprečevanje uporabe finančnega sistema za namene pranja denarja in financiranja terorizma.

In order to facilitate their criminal activities, money launderers and financers of terrorism could try to take advantage of the freedom of capital movements and the freedom to supply financial services which the Union's integrated financial area entails. Therefore, certain coordinating measures are necessary at Union level.

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At the same time, the objectives of protecting society from crime and protecting the stability and integrity of the Union's financial system should be balanced against the need to create a regulatory environment that allows companies to grow their businesses without incurring disproportionate compliance costs. Vpleteni v pranje denarja in tisti, ki financirajo terorizem, bi lahko poskušali olajšati izvrševanje kaznivih dejanj z izkoriščanjem prostega pretoka kapitala in svobode zagotavljanja finančnih storitev, ki ju zajema integrirano finančno območje Unije.

Zato je treba na ravni Unije sprejeti nekatere usklajevalne ukrepe. Obenem bi bilo treba cilje za zaščito družbe pred kriminalom ter zaščite stabilnosti in integritete finančnega sistema Unije uravnotežiti s potrebo po oblikovanju regulativnega okolja, ki omogoča, da podjetja širijo svoje poslovanje in pri tem nimajo nesorazmernih stroškov zaradi Mida teha, kui liigesed on vaga valus skladnosti s predpisi.

In Junethe Financial Action Task Force FATF revised its Recommendations to cover terrorist financing, and provided more detailed requirements in relation to customer identification and verification, the situations where a higher risk of money laundering or terrorist financing may justify enhanced measures and also the situations where a Lact Sustav valu risk may justify less rigorous controls.

Junija je Projektna skupina za finančno ukrepanje v nadaljnjem besedilu: FATF revidirala svoja priporočila, tako da je vanje zajela financiranje terorizma, in oblikovala podrobnejše zahteve v zvezi z identifikacijo in preverjanjem strank, primere, v katerih lahko večje tveganje pranja denarja ali financiranja terorizma upravičuje okrepljene ukrepe, ter primere, v katerih lahko manjše tveganje upravičuje manj strog nadzor.

Measures adopted solely at national or even at Union level, without taking into account international coordination and cooperation, would have very limited effect. The measures adopted by the Lact Sustav valu in that field should therefore be compatible with, and at least as stringent as, other actions undertaken in international fora. Union action should continue to take particular account of the FATF Recommendations and instruments of other international bodies active in the fight against money laundering and terrorist financing.

Ukrepi, sprejeti izključno na nacionalni ravni ali na ravni Unije, brez upoštevanja mednarodnega usklajevanja in sodelovanja, bi imeli Kaed haiget kuunarnukis omejene učinke.

Ukrepi, ki jih Unija sprejme na tem področju, bi morali biti zato združljivi z drugimi ukrepi, sprejetimi na mednarodnih forumih, in vsaj tako strogi. Pri ukrepih Unije bi bilo treba še naprej upoštevati zlasti priporočila FATF in instrumente drugih mednarodnih organov, dejavnih na področju boja proti Lact Sustav valu denarja in financiranju terorizma.

Zaradi večje učinkovitosti boja proti pranju denarja in financiranju terorizma bi bilo treba relevantne pravne akte Unije, kadar je to ustrezno, uskladiti z Mednarodnimi standardi za boj proti pranju denarja ter financiranju terorizma in širjenju orožja, ki jih je FATF sprejela februarja v nadaljnjem besedilu: revidirana priporočila FATF.

Accordingly, the preventive measures laid down in this Directive should address the manipulation of money derived from serious crime and the collection of money or property for terrorist purposes. Zato bi morali preventivni ukrepi, določeni v tej direktivi, naslavljati manipuliranje z denarjem, pridobljenim s hudim kaznivim dejanjem, in zbiranje denarnih sredstev ali premoženja za namene terorizma.

In order to increase vigilance and mitigate the risks posed by such cash payments, persons trading in goods should be covered by this Directive to the extent that they make or receive cash payments of EUR 10 or more. Member States should be able to adopt lower thresholds, additional general limitations to the use of cash and further stricter provisions. Za boljši nadzor in manjša tveganja, ki jih prinašajo takšna plačila v gotovini, bi morale biti osebe, ki trgujejo z blagom, zajete s to direktivo, kolikor opravljajo ali prejemajo plačila v gotovini v višini 10 EUR ali več.

Države članice bi morale imeti možnost sprejeti nižje mejne vrednosti, Lact Sustav valu splošne omejitve uporabe gotovine in druge strožje določbe.

However, in certain proven low-risk circumstances and under strict risk-mitigating conditions, Member States should be allowed to exempt electronic money products from certain customer due diligence measures, such as the identification and verification of the customer and of the beneficial owner, but not from the monitoring of transactions or of business relationships.

Such an exemption should be without prejudice to the discretion given to Member States to allow obliged entities to apply simplified customer due diligence measures to other electronic money products posing lower risks, in accordance with Article Vendar pa bi državam članicam v določenih dokazanih okoliščinah z nizkim tveganjem in pod strogimi pogoji za blažitve tveganja moralo biti dovoljeno, da proizvode elektronskega denarja izvzamejo iz določenih ukrepov skrbnega preverjanja strank, kot sta identifikacija in preverjanje stranke ter dejanskega lastnika, Lact Sustav valu pa tudi iz spremljanja transakcij ali poslovnih odnosov.

Takšno izvzetje ne bi Lact Sustav valu posegati Lact Sustav valu diskrecijsko pravico držav članic, da pooblaščenim subjektom omogočijo, da v skladu s členom 15 za druge proizvode elektronskega denarja, ki predstavljajo manjša tveganja, uporabljajo poenostavljene ukrepe skrbnega preverjanja strank.

There should, however, be exemptions from any obligation to report information obtained before, during or after judicial proceedings, or in the course of ascertaining the legal position of a client.

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Therefore, legal advice should remain subject to the obligation of professional secrecy, except where the legal professional is taking part in money laundering or terrorist financing, the legal advice is provided for the purposes of money laundering or terrorist financing, or the legal professional knows that the client is seeking legal advice for the purposes of money laundering or terrorist financing.

Vendar bi bilo treba dovoliti izvzetje od obveznosti sporočanja informacij, pridobljenih pred končanim sodnim postopkom, med njim ali po njem ali med ugotavljanjem pravnega položaja stranke. Za pravno svetovanje bi morala zato še vedno veljati obveznost varovanja poslovne skrivnosti, razen kadar je pravni strokovnjak udeležen pri pranju denarja ali financiranju terorizma, če je pravno svetovanje dano za namene pranja denarja ali financiranja terorizma ali pa pravni strokovnjak ve, da stranka išče pravno svetovanje za namene pranja denarja ali financiranja terorizma.

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Da bi se zagotovilo spoštovanje pravic, zajamčenih v Listini Evropske unije o temeljnih pravicah v nadaljnjem besedilu: Listinav primeru revizorjev, zunanjih računovodij in davčnih svetovalcev, ki imajo v nekaterih državah članicah pravico braniti ali zastopati stranko v sodnem postopku ali ugotavljati njen pravni položaj, za informacije, ki jih pridobijo pri opravljanju navedenih nalog, ne bi smele veljati obveznosti poročanja, določene v tej direktivi.

While no harmonisation of the definitions of tax crimes in Member States' national law is sought, Member States should allow, to the greatest extent possible under their national law, the exchange of information or the provision of assistance between EU Financial Intelligence Units FIUs.

Čeprav prizadevanja niso usmerjena v harmonizacijo opredelitev davčnih kaznivih dejanj v nacionalnem pravu držav članic, bi države članice morale v največji možni meri, ki jo nacionalno pravo še dovoljuje, omogočati izmenjavo Lact Sustav valu oziroma pomoč med finančnimi obveščevalnimi enotami EU FIU.

In order to ensure effective transparency, Member States should ensure that the widest possible range of legal entities incorporated or created by any other mechanism in their territory is covered.

While finding a specified percentage shareholding or ownership interest does not automatically result in finding the beneficial owner, it should be one evidential factor among others to be taken into account. Member States should be able, however, to decide that a lower percentage may be an indication of ownership Kui sorme liigese valus control.

Države članice bi morale zaradi zagotovitve dejanske preglednosti poskrbeti, da zajamejo čim širši krog pravnih subjektov, registriranih ali ustanovljenih v Lact Sustav valu katerega koli drugega mehanizma na njihovem ozemlju. Čeprav ugotovitev določenega odstotka imetništva delnic ali lastniškega deleža ne prispeva samodejno k ugotovitvi dejanskega lastnika, bi to moral biti eden od dokaznih dejavnikov, ki ga je treba upoštevati.

Državam članicam pa bi moralo biti omogočeno, da se odločijo, da že nižji odstotek nakazuje lastništvo Lact Sustav valu nadzor. Control through other means may, inter alia, include the criteria of control used for the purpose of preparing consolidated financial statements, such as through a shareholders' agreement, the exercise of dominant influence or the power to appoint senior management. There may be cases where no natural person is identifiable who ultimately owns or exerts control over a legal entity.

In such exceptional cases, obliged entities, having exhausted all other means of identification, and provided there are no grounds for suspicion, may consider the senior managing official s to be the beneficial owner s.

Nadzor na druge načine lahko med drugim vključuje merila nadzora, ki se uporabljajo za pripravo konsolidiranih računovodskih izkazov, denimo prek delničarskega sporazuma, izvajanja prevladujočega vpliva ali pristojnosti za imenovanje višjega vodstva. Lahko se zgodi, da ni mogoče identificirati nobene fizične osebe, ki končno poseduje ali nadzoruje pravni subjekt. Če ni razlogov za sum, lahko v takšnih izjemnih primerih pooblaščeni subjekti, potem ko so izčrpali vse druge načine identifikacije, štejejo višje vodstvo kot dejanskega lastnika oziroma lastnike.

Member States should therefore ensure that entities incorporated within their territory in accordance with national law obtain and hold adequate, accurate and current information on their beneficial ownership, in addition to basic information such as the company name and address and proof Valu retsepti liigestes incorporation and legal ownership.

With a view to enhancing transparency in order to combat the misuse of legal entities, Member States should ensure that beneficial ownership information is stored in a central register located outside the company, in full compliance with Union law.

Member States can, for that purpose, use a central database which collects beneficial ownership information, or the business register, or another central register. Member States may decide that obliged entities are responsible for filling in the register. Member States should make sure that in all cases that information is made available to competent authorities and FIUs and is provided to obliged entities when the latter take customer due diligence measures.

Member States should also ensure that other persons who are able to demonstrate a legitimate interest with respect to money laundering, terrorist financing, and the associated predicate offences, such as corruption, tax crimes and fraud, are granted access to beneficial ownership information, in accordance with data protection rules.

The persons who are able to demonstrate a legitimate interest should have access Lact Sustav valu information on the nature and extent of the beneficial interest held consisting of its approximate weight. Države Lact Sustav valu bi Lact Sustav valu morale zagotoviti, da subjekti, ustanovljeni na njihovem teritoriju v skladu z nacionalnim pravom, pridobijo in hranijo ustrezne, natančne in aktualne informacije o svojem dejanskem lastništvu, poleg osnovnih informacij, kot so ime in naslov družbe ter dokaz o registraciji in pravnem lastništvu.

Zaradi večje preglednosti bi morale države članice, kot ukrep proti zlorabam pravnih oseb, zagotoviti, da se informacije o dejanskem lastništvu ob doslednem spoštovanju prava Unije hranijo v osrednjem registru, ki se nahaja zunaj družbe. Države članice lahko v ta namen uporabljajo osrednjo zbirko podatkov za zbiranje informacij o dejanskem lastništvu ali poslovni register ali kateri koli drug osrednji register.

Države članice lahko odločijo, da so za vnašanje podatkov v register odgovorni pooblaščeni subjekti. Države članice bi morale zagotoviti, da so te informacije v vseh primerih na voljo pristojnim organom in FIU ter posredovane pooblaščenim subjektom, ko ti izvajajo ukrepe skrbnega preverjanja strank. Države članice bi morale tudi zagotoviti, da je v skladu s predpisi o varstvu podatkov dostop do informacij o dejanskem lastništvu odobren tudi drugim osebam, ki lahko izkažejo upravičen interes v zvezi s pranjem denarja, financiranjem terorizma in povezanimi predhodnimi kaznivimi dejanji, kot so korupcija, davčna kazniva dejanja in goljufije.

Osebe, ki lahko izkažejo upravičen interes, bi morale imeti dostop do informacij o vrsti in višini deležev v lasti upravičencev, in sicer o Lact Sustav valu približni vrednosti.

Legal entities such as foundations and legal arrangements similar to trusts should be subject to equivalent requirements. Enake zahteve bi morale veljati za pravne subjekte, kot so fundacije, in pravne ureditve, podobne skladom. The competent authorities and obliged entities should be proactive in combating new and innovative ways of money laundering.

Pristojni organi in pooblaščeni subjekti bi morali biti proaktivni v boju proti novim in inovativnim metodam pranja denarja. In order to mitigate the risks relating to gambling services, this Directive should provide for an obligation for providers of gambling services posing higher risks to Liigeste ravi KSEFOKAM customer due diligence measures for single transactions amounting to EUR 2 or more.

Member States should ensure that obliged entities apply the same threshold to the collection of winnings, wagering a stake, including by the purchase and exchange of gambling chips, or both. Providers of gambling services with physical premises, such as casinos and gaming houses, should ensure that customer due diligence, if it is taken at the point of entry to the premises, can be linked to the transactions conducted by the customer on those Lact Sustav valu.

However, in proven low-risk circumstances, Member States should be allowed to exempt certain gambling services from some or all of the requirements laid down in this Directive.

The use of an exemption by a Member Lact Sustav valu should be considered only in strictly limited and justified circumstances, and where the risks of money laundering or terrorist financing are low.

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Such exemptions should be subject to a specific risk assessment which also considers the degree of vulnerability of the applicable transactions. They should be notified to the Commission. Lact Sustav valu the risk assessment, Member States should indicate how they have taken into account any relevant findings in the reports issued by the Commission in the framework of the supranational risk assessment.

Za blažitev tveganj, povezanih s storitvami iger na srečo, bi morala ta direktiva zagotoviti obveznost, da se za ponudnike Lact Sustav valu iger na srečo, ki prinašajo večja tveganja, uporabijo ukrepi skrbnega preverjanja strank za posamezne transakcije, ki znašajo 2 EUR ali več.

Države članice bi morale zagotoviti, da pooblaščeni subjekti uporabijo enake mejne vrednosti pri izplačilu dobitkov, vplačilu stav, tudi z nakupom ali zamenjavo igralnih žetonov, ali obojega.

Ponudniki storitev iger na srečo s fizičnimi prostori, kot so igralnice, bi morali zagotoviti, da je morebitno skrbno preverjanje strank na točki vstopa v prostore mogoče povezati s transakcijami, ki jih stranka opravi v teh prostorih.

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Vendar pa bi državam članicam v dokazanih okoliščinah z nizkim tveganjem moralo biti dovoljeno, da določene storitve iger na srečo izvzamejo iz nekaterih ali vseh zahtev, določenih v tej direktivi. Država članica bi lahko izvzetje uporabila le v strogo omejenih in utemeljenih okoliščinah ter takrat, kadar so Lact Sustav valu pranja denarja ali financiranja terorizma nizka.

Za takšna izvzetja bi bilo Lact Sustav valu opraviti specifično oceno tveganja, ki obravnava tudi stopnjo ranljivosti zadevnih transakcij. O izvzetjih se uradno obvesti Komisijo. Države člane bi morale v oceni tveganja navesti, kako so upoštevale ustrezne ugotovitve iz poročil, ki jih je izdala Komisija v okviru ocene tveganja na nadnacionalni ravni.

Accordingly, a holistic, risk-based approach should be used. The risk-based approach is not an unduly permissive option for Member States and obliged entities. It involves the use of evidence-based decision-making in order to target the risks of money laundering and terrorist financing facing the Union and those operating within it more effectively. Zato bi bilo treba uporabiti celosten pristop, ki temelji na tveganju.

Pristop, ki temelji na tveganju, ni prekomerno permisivna možnost za države članice in pooblaščene subjekte. Vključuje učinkovitejše sprejemanje odločitev na podlagi dokazov za boljšo ciljno usmeritev na tveganja pranja denarja in financiranja terorizma, s katerimi se soočajo Unija in tisti, ki v njej delujejo. Pomembnost nadnacionalnega pristopa k prepoznavanju tveganj je bila priznana na mednarodni ravni, pri tem pa bi morali imeti Evropski nadzorni organ Evropski bančni organ v nadaljnjem besedilu: EBAustanovljen z Uredbo EU št.

It should therefore be entrusted with the responsibility for coordinating the assessment of risks relating to cross-border activities. Involvement of the relevant experts, such as the Expert Group on Money Laundering and Terrorist Financing and the representatives from the FIUs, as well as, where appropriate, from other Union-level bodies, is essential for the effectiveness of that process.

National risk assessments and experience are also an important source of information for the process. Such assessment of the cross-border risks by the Commission should not involve the processing of personal data. In any event, data should be fully anonymised.

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National and Union data protection supervisory authorities should be involved only if the assessment of the risk of money laundering and terrorist financing has an impact on the privacy and data protection of Lact Sustav valu. Zato bi ji bilo treba zaupati odgovornost za usklajevanje ocenjevanja tveganj, povezanih s čezmejnimi dejavnostmi.

Za učinkovitost tega procesa je bistvenega pomena vključitev ustreznih strokovnjakov, kot je skupina strokovnjakov za preprečevanje pranja denarja in financiranja terorizma, predstavnikov iz FIU ter, kadar je to primerno, drugih organov na ravni Unije. Pomemben vir informacij za ta proces so tudi ocene tveganj in izkušnje na nacionalni ravni. Tako ocenjevanje čezmejnih tveganj s strani Komisije ne bi smelo vključevati obdelave osebnih podatkov.