{"id":8527,"date":"2024-06-04T17:24:35","date_gmt":"2024-06-04T15:24:35","guid":{"rendered":"https:\/\/www.kotax.com\/pravni-zalezitosti\/podminky-a-pravidla\/"},"modified":"2024-06-04T17:24:36","modified_gmt":"2024-06-04T15:24:36","slug":"podminky-a-pravidla","status":"publish","type":"page","link":"https:\/\/www.kotax.com\/cs\/pravni-zalezitosti\/podminky-a-pravidla\/","title":{"rendered":"Podm\u00ednky a pravidla"},"content":{"rendered":"\t\t
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Podm\u00ednky a pravidla<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Smlouva s poji\u0161\u0165ovac\u00edm makl\u00e9\u0159em<\/h2>\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<\/div>\n\t\t<\/section>\n\t\t\t\t
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1. p\u0159edm\u011bt smlouvy<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Tato smlouva o zprost\u0159edkov\u00e1n\u00ed poji\u0161t\u011bn\u00ed nahrazuje v\u0161echna opr\u00e1vn\u011bn\u00ed a smlouvy, kter\u00e9 jsou v sou\u010dasn\u00e9 dob\u011b mezi smluvn\u00edmi stranami v platnosti. P\u0159edm\u011btem t\u00e9to smlouvy o zprost\u0159edkov\u00e1n\u00ed poji\u0161t\u011bn\u00ed je zprost\u0159edkov\u00e1n\u00ed pojistn\u00fdch slu\u017eeb pro pojistn\u00e1 odv\u011btv\u00ed ozna\u010den\u00e1 v p\u0159\u00edloze, kter\u00e1 je ned\u00edlnou sou\u010d\u00e1st\u00ed t\u00e9to smlouvy, poji\u0161\u0165ovac\u00edm makl\u00e9\u0159em a poradcem ve v\u011bcech poji\u0161t\u011bn\u00ed (d\u00e1le jen „poji\u0161\u0165ovac\u00ed makl\u00e9\u0159“ nebo „makl\u00e9\u0159“) z\u00e1kazn\u00edkovi poji\u0161t\u011bn\u00ed (d\u00e1le jen „z\u00e1kazn\u00edk poji\u0161t\u011bn\u00ed“ nebo „z\u00e1kazn\u00edk“) po dobu trv\u00e1n\u00ed smlouvy. Za t\u00edmto \u00fa\u010delem ud\u011bluje z\u00e1kazn\u00edk poji\u0161t\u011bn\u00ed plnou moc uvedenou na n\u00e1sleduj\u00edc\u00ed stran\u011b poji\u0161\u0165ovac\u00edmu makl\u00e9\u0159i, kter\u00fd je sou\u010dasn\u011b opr\u00e1vn\u011bn zru\u0161it pln\u00e9 moci ud\u011blen\u00e9 z\u00e1kazn\u00edkem poji\u0161t\u011bn\u00ed poji\u0161\u0165ovac\u00edm makl\u00e9\u0159\u016fm t\u0159et\u00edch stran.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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2. obecn\u00e9 informace<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  1. Makl\u00e9\u0159 sjedn\u00e1v\u00e1 pojistn\u00e9 smlouvy mezi poji\u0161\u0165ovnou a z\u00e1kazn\u00edkem bez ohledu na sv\u00e9 vlastn\u00ed z\u00e1jmy nebo z\u00e1jmy t\u0159et\u00edch osob, zejm\u00e9na nez\u00e1visle na z\u00e1jmech poji\u0161\u0165ovny. P\u0159esto\u017ee makl\u00e9\u0159 jedn\u00e1 jm\u00e9nem obou stran pojistn\u00e9 smlouvy, mus\u00ed chr\u00e1nit p\u0159edev\u0161\u00edm z\u00e1jmy z\u00e1kazn\u00edka.<\/li>\n
  2. Nen\u00ed-li p\u00edsemn\u011b dohodnuto jinak, obdr\u017e\u00ed makl\u00e9\u0159 odm\u011bnu za svou \u010dinnost p\u0159\u00edmo<\/strong> od p\u0159\u00edslu\u0161n\u00e9ho pojistitele. Jedn\u00e1 se o provize podle \u00a7 30 MaklerG, jako\u017e i p\u0159\u00edpadn\u00e9 provize za uzav\u0159en\u00ed, n\u00e1sledn\u00e9 provize, provize za podporu, provize za prodej, provize za portfolio, bonusy atd. Stejn\u011b jako v minulosti je dohodnuto, \u017ee ve\u0161ker\u00e9 v\u00fdhody jak\u00e9hokoli druhu vypl\u00fdvaj\u00edc\u00ed ze smluvn\u00edho vztahu n\u00e1le\u017e\u00ed v\u00fdhradn\u011b makl\u00e9\u0159i.<\/li>\n<\/ol>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    3. povinnosti poji\u0161\u0165ovac\u00edho makl\u00e9\u0159e<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    1. Povinnost makl\u00e9\u0159e chr\u00e1nit z\u00e1jmy zahrnuje poskytov\u00e1n\u00ed odborn\u00fdch informac\u00ed a poradenstv\u00ed z\u00e1kazn\u00edkovi ohledn\u011b sjedn\u00e1van\u00e9ho poji\u0161t\u011bn\u00ed.<\/li>\n
    2. Makl\u00e9\u0159 se zavazuje poskytnout z\u00e1kazn\u00edkovi nejlep\u0161\u00ed mo\u017enou pojistnou ochranu podle okolnost\u00ed konkr\u00e9tn\u00edho p\u0159\u00edpadu. Nen\u00ed-li v jednotliv\u00fdch p\u0159\u00edpadech v\u00fdslovn\u011b p\u00edsemn\u011b dohodnuto jinak, je povinnost makl\u00e9\u0159e chr\u00e1nit z\u00e1jmy v tomto ohledu omezena na poji\u0161\u0165ovny se s\u00eddlem v Rakousku.<\/li>\n
    3. Na spole\u010dnosti se vztahuj\u00ed povinnosti makl\u00e9\u0159e podle \u00a7 28 \u010d. 4 MaklerG (zve\u0159ejn\u011bn\u00ed proveden\u00fdch pr\u00e1vn\u00edch \u00fakon\u016f) a \u00a7 28 \u010d. 5 MaklerG (zve\u0159ejn\u011bn\u00ed proveden\u00fdch pr\u00e1vn\u00edch \u00fakon\u016f). MaklerG (zkoum\u00e1n\u00ed pojistn\u00e9 smlouvy) jako upu\u0161t\u011bn\u00e9.<\/li>\n
    4. Makl\u00e9\u0159 podporuje z\u00e1kazn\u00edka p\u0159i vy\u0159izov\u00e1n\u00ed pojistn\u00e9ho vztahu p\u0159ed vznikem pojistn\u00e9 ud\u00e1losti i po jej\u00edm vzniku. Povinnost podle \u00a7 28 \u010d. 6 druh\u00e9 \u010d\u00e1sti v\u011bty MaklerG, tj. dodr\u017een\u00ed v\u0161ech lh\u016ft, kter\u00e9 jsou pro z\u00e1kazn\u00edka podstatn\u00e9, zejm\u00e9na proml\u010dec\u00edch lh\u016ft a lh\u016ft splatnosti, se pova\u017euje za prominutou. Z\u00e1kazn\u00edk je proto odpov\u011bdn\u00fd za dodr\u017een\u00ed v\u0161ech term\u00edn\u016f a nem\u016f\u017ee z toho vyvodit \u017e\u00e1dnou odpov\u011bdnost ze strany zprost\u0159edkovatele.<\/li>\n
    5. Povinnosti makl\u00e9\u0159e podle \u00a7 28 \u010d. 7 MaklerG (pr\u016fb\u011b\u017en\u00e1 kontrola st\u00e1vaj\u00edc\u00edch pojistn\u00fdch smluv a v p\u0159\u00edpad\u011b pot\u0159eby p\u0159edlo\u017een\u00ed vhodn\u00fdch n\u00e1vrh\u016f na zlep\u0161en\u00ed pojistn\u00e9 ochrany) se pova\u017euj\u00ed za zru\u0161en\u00e9.<\/li>\n<\/ol>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      4 Povinnosti z\u00e1kazn\u00edka poji\u0161t\u011bn\u00ed<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      1. Z\u00e1kazn\u00edk je povinen poskytnout zprost\u0159edkovateli v\u010das, \u00fapln\u011b a pravdiv\u011b ve\u0161ker\u00e9 informace, dokumenty a \u00fadaje, kter\u00e9 zprost\u0159edkovatel pot\u0159ebuje pro co nejlep\u0161\u00ed v\u00fdkon sv\u00e9 zprost\u0159edkovatelsk\u00e9 \u010dinnosti. Tato informa\u010dn\u00ed povinnost zahrnuje tak\u00e9 bezodkladn\u00e9 a nevy\u017e\u00e1dan\u00e9 ozn\u00e1men\u00ed jak\u00fdchkoli zm\u011bn d\u016fle\u017eit\u00fdch pro pojistnou ochranu, jako je zm\u011bna adresy, oblasti \u010dinnosti, \u010dinnosti v zahrani\u010d\u00ed, stanoven\u00ed, zv\u00fd\u0161en\u00ed nebo sn\u00ed\u017een\u00ed pojistn\u00fdch \u010d\u00e1stek atd.<\/li>\n
      2. Z\u00e1kazn\u00edk spolupracuje p\u0159i anal\u00fdze rizik podle sv\u00fdch mo\u017enost\u00ed. Zejm\u00e9na je povinnost\u00ed z\u00e1kazn\u00edka spr\u00e1vn\u011b stanovit pojistn\u00e9 \u010d\u00e1stky a informovat o tom zprost\u0159edkovatele. V p\u0159\u00edpad\u011b pot\u0159eby se z\u00e1kazn\u00edk mus\u00ed z\u00fa\u010dastnit prohl\u00eddky rizik, kterou prov\u00e1d\u00ed makl\u00e9\u0159 nebo poji\u0161\u0165ovna \u010di jimi pov\u011b\u0159en\u00e9 spole\u010dnosti po p\u0159edchoz\u00edm ozn\u00e1men\u00ed a domluv\u011b.<\/li>\n
      3. Z\u00e1kazn\u00edk se zavazuje zkontrolovat ka\u017edou p\u0159edlo\u017eenou pojistnou smlouvu z hlediska v\u011bcn\u00e9 spr\u00e1vnosti a upozornit makl\u00e9\u0159e na p\u0159\u00edpadn\u00e9 chyby. Z\u00e1kazn\u00edk se rovn\u011b\u017e zavazuje vz\u00edt na v\u011bdom\u00ed \u010d\u00e1sti „Co je poji\u0161t\u011bno“ a „V\u00fdluky z pojistn\u00e9ho kryt\u00ed“ v poskytnut\u00fdch pojistn\u00fdch podm\u00ednk\u00e1ch a dodr\u017eovat „Povinnosti pojistn\u00edka“ definovan\u00e9 v pojistn\u00fdch podm\u00ednk\u00e1ch.<\/li>\n
      4. V p\u0159\u00edpad\u011b, \u017ee obchody uveden\u00e9 v t\u00e9to zprost\u0159edkovatelsk\u00e9 smlouv\u011b nebudou uzav\u0159eny v rozporu s dobr\u00fdmi mravy pouze proto, \u017ee z\u00e1kazn\u00edk neu\u010din\u00ed pr\u00e1vn\u00ed \u00fakon nezbytn\u00fd k uzav\u0159en\u00ed obchodu, uhrad\u00ed z\u00e1kazn\u00edk zprost\u0159edkovateli smluvn\u00ed pokutu ve v\u00fd\u0161i u\u0161l\u00e9 provize z p\u0159\u00edslu\u0161n\u00e9 pojistn\u00e9 smlouvy, p\u0159i\u010dem\u017e se vych\u00e1z\u00ed z desetilet\u00e9 pojistn\u00e9 doby. To plat\u00ed obdobn\u011b zejm\u00e9na pro p\u0159\u00edpady, kdy z\u00e1kazn\u00edk odstoup\u00ed od ji\u017e podepsan\u00e9ho p\u0159\u00edkazu ke stornu nebo od ji\u017e podepsan\u00e9 \u017e\u00e1dosti o uzav\u0159en\u00ed pojistn\u00e9 smlouvy nebo po podpisu \u017e\u00e1dosti o uzav\u0159en\u00ed pojistn\u00e9 smlouvy odvol\u00e1 plnou moc v\u016f\u010di makl\u00e9\u0159i a\/nebo tuto smlouvu zru\u0161\u00ed.<\/li>\n
      5. Z\u00e1kazn\u00edk je povinen informovat zprost\u0159edkovatele neprodlen\u011b pot\u00e9, co se dozv\u00ed o vznikl\u00e9 \u0161kod\u011b, a u\u010dinit ve\u0161ker\u00e1 opat\u0159en\u00ed v souladu se svou povinnost\u00ed minimalizovat \u0161kody. Z\u00e1kazn\u00edk d\u00e1le bere na v\u011bdom\u00ed, \u017ee jak z\u00e1konn\u00e1 ustanoven\u00ed z\u00e1kona o pojistn\u00e9 smlouv\u011b, tak jednotliv\u00e9 pojistn\u00e9 podm\u00ednky obsahuj\u00ed povinnosti, kter\u00e9 mus\u00ed z\u00e1kazn\u00edk dodr\u017eovat p\u0159ed nebo po vzniku pojistn\u00e9 ud\u00e1losti.<\/li>\n<\/ol>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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        5 Odpov\u011bdnost poji\u0161\u0165ovac\u00edho makl\u00e9\u0159e<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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        1. Odpov\u011bdnost zprost\u0159edkovatele a jeho z\u00e1stupc\u016f je omezena na \u00famysl a hrubou nedbalost za cel\u00fd obchodn\u00ed vztah. Vylou\u010den\u00ed odpov\u011bdnosti se vztahuje pouze na spot\u0159ebitele (\u00a7 1 KSchG) za jin\u00e9 \u0161kody ne\u017e \u0161kody na zdrav\u00ed. Pokud se z\u00e1kazn\u00edk nepova\u017euje za spot\u0159ebitele (\u00a7 1 KSchG), odpov\u00edd\u00e1 zprost\u0159edkovatel pouze za pozitivn\u00ed \u0161kody, nikoli v\u0161ak za u\u0161l\u00fd zisk a \u010dist\u011b finan\u010dn\u00ed ztr\u00e1ty. Odpov\u011bdnost zprost\u0159edkovatele je omezena \u010d\u00e1stkami uveden\u00fdmi v \u00a7 137c GewO v platn\u00e9m zn\u011bn\u00ed, s v\u00fdjimkou p\u0159\u00edpad\u016f \u00famyslu. Ve zn\u011bn\u00ed ze dne 31. \u0159\u00edjna 2013 stanov\u00ed \u00a7 137c GewO maxim\u00e1ln\u00ed odpov\u011bdnost ve v\u00fd\u0161i 1 250 000,00 EUR za ka\u017ed\u00fd jednotliv\u00fd p\u0159\u00edpad \u0161kody a maxim\u00e1ln\u011b 1 850 000,00 EUR za v\u0161echny p\u0159\u00edpady \u0161kody za rok. P\u0159enesen\u00ed d\u016fkazn\u00edho b\u0159emene podle \u00a7 1298 ABGB je vylou\u010deno – s v\u00fdjimkou spot\u0159ebitel\u016f (\u00a7 1 KSchG); z\u00e1kazn\u00edk tedy mus\u00ed krom\u011b v\u0161ech ostatn\u00edch p\u0159edpoklad\u016f pro uplatn\u011bn\u00ed n\u00e1roku na n\u00e1hradu \u0161kody v\u016f\u010di zprost\u0159edkovateli prok\u00e1zat existenci hrub\u00e9 nedbalosti na stran\u011b zprost\u0159edkovatele.<\/li>\n
        2. Zprost\u0159edkovatel neodpov\u00edd\u00e1 za takov\u00e9 ztr\u00e1ty, kter\u00e9 vzniknou v d\u016fsledku stanoven\u00ed pojistn\u00e9 \u010d\u00e1stky, za kter\u00e9 odpov\u00edd\u00e1 z\u00e1kazn\u00edk, a rozhodnut\u00ed, zda m\u00e1 b\u00fdt riziko poji\u0161t\u011bno.<\/li>\n
        3. Makl\u00e9\u0159 nenese odpov\u011bdnost za pojistn\u00e9 smlouvy uzav\u0159en\u00e9 bez jeho \u00fa\u010dasti nebo za rizika a pojistn\u00e1 odv\u011btv\u00ed, kter\u00e1 nejsou za\u0161krtnuta\/ozna\u010dena nebo uvedena v seznamu pojistn\u00fdch odv\u011btv\u00ed.<\/li>\n
        4. Z\u00e1kazn\u00edk bere na v\u011bdom\u00ed, \u017ee \u017e\u00e1dost podepsan\u00e1 j\u00edm nebo jeho jm\u00e9nem makl\u00e9\u0159em je\u0161t\u011b nezakl\u00e1d\u00e1 pojistnou ochranu a vy\u017eaduje p\u0159ijet\u00ed poji\u0161\u0165ovnou. Z\u00e1kazn\u00edk d\u00e1le bere na v\u011bdom\u00ed, \u017ee mezi podpisem \u017e\u00e1dosti o poji\u0161t\u011bn\u00ed a jej\u00edm p\u0159ijet\u00edm poji\u0161\u0165ovnou m\u016f\u017ee uplynout nepokryt\u00e1 doba. Z t\u00e9to okolnosti nelze vyvozovat odpov\u011bdnost zprost\u0159edkovatele. V p\u0159\u00edpad\u011b, \u017ee z\u00e1kazn\u00edk po\u017eaduje p\u0159edb\u011b\u017en\u00e9 kryt\u00ed na nekryt\u00e1 obdob\u00ed, mus\u00ed podat p\u00edsemnou \u017e\u00e1dost makl\u00e9\u0159i.<\/li>\n
        5. Makl\u00e9\u0159 nen\u00ed povinen p\u0159ed\u00e1vat z\u00e1kazn\u00edkovi informace o nedoplatc\u00edch pojistn\u00e9ho a s nimi spojen\u00e9 upom\u00ednky, proto\u017ee tyto informace dost\u00e1v\u00e1 z\u00e1kazn\u00edk tak\u00e9 od poji\u0161\u0165ovny. Z toho nelze vyvozovat \u017e\u00e1dnou odpov\u011bdnost realitn\u00ed kancel\u00e1\u0159e.<\/li>\n
        6. Z\u00e1kazn\u00edk potvrzuje, \u017ee s makl\u00e9\u0159em a\/nebo jeho zam\u011bstnanci nebyly uzav\u0159eny \u017e\u00e1dn\u00e9 \u00fastn\u00ed zaji\u0161\u0165ovac\u00ed dohody, zejm\u00e9na \u017ee nebyly u\u010din\u011bny \u017e\u00e1dn\u00e9 \u00fastn\u00ed sliby t\u00fdkaj\u00edc\u00ed se rozsahu pojistn\u00e9ho kryt\u00ed. P\u0159edpokladem vzniku odpov\u011bdnostn\u00edho vztahu mezi zprost\u0159edkovatelem a z\u00e1kazn\u00edkem je existence p\u00edsemn\u00e9 smlouvy o zprost\u0159edkov\u00e1n\u00ed. Z \u00fastn\u011b podan\u00fdch objedn\u00e1vek nelze vyvodit \u017e\u00e1dnou odpov\u011bdnost zprost\u0159edkovatele – s v\u00fdjimkou spot\u0159ebitel\u016f (\u00a7 1 KSchG).<\/li>\n
        7. \u010cinnosti makl\u00e9\u0159e a z nich vypl\u00fdvaj\u00edc\u00ed z\u00e1vazky se t\u00fdkaj\u00ed v\u00fdhradn\u011b p\u0159edepsan\u00fdch pojistn\u00fdch odv\u011btv\u00ed uveden\u00fdch v p\u0159\u00edloze. Jak\u00e1koli dal\u0161\u00ed \u010dinnost zprost\u0159edkovatele vy\u017eaduje dal\u0161\u00ed p\u00edsemn\u00fd p\u0159\u00edkaz z\u00e1kazn\u00edka. V\u00fdslovn\u011b se objas\u0148uje, \u017ee na obchodn\u00ed linie, kter\u00e9 nejsou za\u0161krtnuty\/ozna\u010deny, se nevztahuje povinnost makl\u00e9\u0159e poskytovat podporu nebo poradenstv\u00ed.<\/li>\n
        8. N\u00e1roky na n\u00e1hradu \u0161kody v\u016f\u010di zprost\u0159edkovateli se proml\u010d\u00ed do 6 m\u011bs\u00edc\u016f pot\u00e9, co se \u017eadatel(\u00e9) dozv\u011bd\u011bl(i) nebo m\u011bl(i) dozv\u011bd\u011bt o \u0161kod\u011b a po\u0161kozen\u00e9m (relativn\u00ed proml\u010dec\u00ed lh\u016fta), nejpozd\u011bji v\u0161ak do 3 let od vzniku \u0161kody (absolutn\u00ed proml\u010dec\u00ed lh\u016fta). Ve vztahu ke spot\u0159ebitel\u016fm (\u00a7 1 KSchG) se m\u00e1 za to, \u017ee byla sjedn\u00e1na t\u0159\u00edlet\u00e1 lh\u016fta od v\u00fd\u0161e uveden\u00fdch dat, a to jak pro relativn\u00ed, tak pro absolutn\u00ed proml\u010dec\u00ed lh\u016ftu.<\/li>\n<\/ol>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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          6. dod\u00e1vky, elektronick\u00e1 korespondence, zpracov\u00e1n\u00ed EDP<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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          1. Za doru\u010dovac\u00ed adresu z\u00e1kazn\u00edka se pova\u017euje adresa, kter\u00e1 byla zprost\u0159edkovateli naposledy ozn\u00e1mena.<\/li>\n
          2. Z\u00e1kazn\u00edk bere na v\u011bdom\u00ed, \u017ee v d\u016fsledku ob\u010dasn\u00fdch, technicky nevyhnuteln\u00fdch chyb m\u016f\u017ee p\u0159enos e-mail\u016f za ur\u010dit\u00fdch okolnost\u00ed v\u00e9st ke ztr\u00e1t\u011b, zfal\u0161ov\u00e1n\u00ed nebo vyzrazen\u00ed \u00fadaj\u016f. Zprost\u0159edkovatel p\u0159eb\u00edr\u00e1 odpov\u011bdnost za tyto n\u00e1sledky pouze v p\u0159\u00edpad\u011b, \u017ee je zavinil. P\u0159ijet\u00ed e-mail\u016f nep\u0159edstavuje p\u0159edb\u011b\u017en\u00e9 kryt\u00ed a nem\u00e1 \u017e\u00e1dn\u00fd vliv na p\u0159ijet\u00ed nab\u00eddky smlouvy.<\/li>\n
          3. Klient souhlas\u00ed se za\u0159azen\u00edm v\u0161ech sv\u00fdch origin\u00e1ln\u00edch dokument\u016f (z\u00e1znamy poradce, pozn\u00e1mky, \u017e\u00e1dosti, pojistky atd.) do po\u010d\u00edta\u010dov\u00e9ho syst\u00e9mu makl\u00e9\u0159e. Z\u00e1kazn\u00edk uzn\u00e1v\u00e1 naskenovan\u00e9 kopie jako origin\u00e1ly.<\/li>\n
          4. Z\u00e1kazn\u00edk souhlas\u00ed s t\u00edm, \u017ee rozhovory (v\u010detn\u011b telefonn\u00edch hovor\u016f) mohou b\u00fdt nahr\u00e1v\u00e1ny na zvukov\u00e9 nosi\u010de pro dokumenta\u010dn\u00ed \u00fa\u010dely, zejm\u00e9na pokud z\u00e1kazn\u00edk \u017e\u00e1d\u00e1 o pojistn\u00e9 kryt\u00ed, hl\u00e1s\u00ed pojistnou ud\u00e1lost apod.<\/li>\n<\/ol>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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            7. autorsk\u00e1 pr\u00e1va<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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            V\u0161echny koncepty pojistn\u00fdch smluv nebo jejich \u010d\u00e1sti vytvo\u0159en\u00e9 makl\u00e9\u0159em jsou chr\u00e1n\u011bny autorsk\u00fdm pr\u00e1vem. Pou\u017eit\u00ed t\u011bchto koncept\u016f je podm\u00edn\u011bno t\u00edm, \u017ee makl\u00e9\u0159 obdr\u017e\u00ed standardn\u00ed tr\u017en\u00ed provizi z j\u00edm zprost\u0159edkovan\u00fdch pojistn\u00fdch smluv, kter\u00e9 jsou zalo\u017eeny na t\u011bchto konceptech nebo jejich \u010d\u00e1stech. Neopr\u00e1vn\u011bn\u00e9 pou\u017eit\u00ed, reprodukce, \u0161\u00ed\u0159en\u00ed nebo p\u0159ed\u00e1v\u00e1n\u00ed t\u0159et\u00edm stran\u00e1m je zak\u00e1z\u00e1no.<\/p>\n

            Pokud z\u00e1kazn\u00edk nad\u00e1le zneu\u017e\u00edv\u00e1 koncepty pojistn\u00fdch smluv nebo jejich \u010d\u00e1st\u00ed, zejm\u00e9na po konverzi nebo zru\u0161en\u00ed t\u011bchto pojistn\u00fdch smluv p\u016fvodn\u011b zprost\u0159edkovan\u00fdch makl\u00e9\u0159em, ani\u017e by makl\u00e9\u0159 m\u011bl n\u00e1rok na provizi, je z\u00e1kazn\u00edk povinen makl\u00e9\u0159i uhradit n\u00e1hradu ve v\u00fd\u0161i provize, kterou by makl\u00e9\u0159 z\u00edskal do pl\u00e1novan\u00e9ho konce platnosti pojistn\u00e9 smlouvy p\u016fvodn\u011b zprost\u0159edkovan\u00e9 makl\u00e9\u0159em.<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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            8. d\u016fv\u011brnost - ochrana \u00fadaj\u016f<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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            V\u00fdslovn\u011b bereme na v\u011bdom\u00ed, \u017ee v pr\u016fb\u011bhu realizace objedn\u00e1vky nebo pln\u011bn\u00ed smluvn\u00edch z\u00e1vazk\u016f v\u00fd\u0161e uveden\u00e9ho poji\u0161\u0165ovac\u00edho makl\u00e9\u0159e budou zpracov\u00e1v\u00e1ny osobn\u00ed \u00fadaje ve smyslu GDPR a \u017ee tyto \u00fadaje budou v r\u00e1mci pln\u011bn\u00ed smluvn\u00edch z\u00e1vazk\u016f p\u0159ed\u00e1v\u00e1ny tak\u00e9 t\u0159et\u00edm osob\u00e1m (pr\u00e1vn\u00edk\u016fm, poji\u0161\u0165ovn\u00e1m atd.).<\/p>\n

            V\u00fd\u0161e uveden\u00fd poji\u0161\u0165ovac\u00ed makl\u00e9\u0159 je d\u00e1le opr\u00e1vn\u011bn ud\u011blit souhlas s pou\u017eit\u00edm na\u0161ich \u00fadaj\u016f (s v\u00fdjimkou citliv\u00fdch \u00fadaj\u016f ve smyslu \u00a7 9 GDPR).<\/p>\n

            V\u00fdslovn\u011b zmoc\u0148ujeme v\u00fd\u0161e uveden\u00e9ho poji\u0161\u0165ovac\u00edho makl\u00e9\u0159e, aby u\u010dinil ve\u0161ker\u00e1 prohl\u00e1\u0161en\u00ed a\/nebo podnikl ve\u0161ker\u00e9 kroky v souvislosti s elektronickou komunikac\u00ed v souladu s \u00a7 5a VersVG, zejm\u00e9na n\u00e1sleduj\u00edc\u00ed pro sjedn\u00e1n\u00ed a zru\u0161en\u00ed elektronick\u00e9 komunikace.<\/p>\n

            Zejm\u00e9na je pov\u011b\u0159en\u00fd z\u00e1stupce rovn\u011b\u017e opr\u00e1vn\u011bn \u010dinit ve\u0161ker\u00e1 prohl\u00e1\u0161en\u00ed a\/nebo \u010dinit ve\u0161ker\u00e9 \u00fakony v souvislosti s odsouhlasen\u00edm form\u00e1ln\u00edch n\u00e1le\u017eitost\u00ed, zejm\u00e9na p\u00edsemn\u00fdch formul\u00e1\u0159ov\u00fdch dohod ve smyslu \u00a7 5a odst. 2 a \u00a7 15a odst. 2 VersVG je opr\u00e1vn\u011bn.<\/p>\n

            – Souhlas se zpracov\u00e1n\u00edm zdravotn\u00edch \u00fadaj\u016f:<\/strong><\/p>\n

            T\u00edmto v\u00fdslovn\u011b souhlas\u00edme s t\u00edm, aby v\u00fd\u0161e uveden\u00fd poji\u0161\u0165ovac\u00ed makl\u00e9\u0159 shroma\u017e\u010foval a zpracov\u00e1val na\u0161e zdravotn\u00ed \u00fadaje, nap\u0159. celou na\u0161i anamn\u00e9zu, za \u00fa\u010delem pln\u011bn\u00ed smlouvy (nap\u0159. pro posouzen\u00ed a uzav\u0159en\u00ed pojistn\u00e9 ochrany).<\/p>\n

            V\u00fdslovn\u011b tak\u00e9 souhlas\u00edme s t\u00edm, \u017ee zpracov\u00e1van\u00e9 \u00fadaje mohou b\u00fdt v r\u00e1mci pln\u011bn\u00ed p\u0159edm\u011btn\u00e9 smlouvy p\u0159ed\u00e1ny tak\u00e9 t\u0159et\u00edm stran\u00e1m, zejm\u00e9na poji\u0161\u0165ovn\u00e1m prost\u0159ednictv\u00edm v\u00fd\u0161e uveden\u00fdch poji\u0161\u0165ovac\u00edch makl\u00e9\u0159\u016f.<\/p>\n

            Upozor\u0148ujeme, \u017ee tento souhlas m\u016f\u017eeme kdykoli odvolat. <\/strong><\/p>\n

            – V\u00fdslovn\u011b tak\u00e9 bereme na v\u011bdom\u00ed, \u017ee pokud dojde k odvol\u00e1n\u00ed souhlasu se zpracov\u00e1n\u00edm \u00fadaj\u016f (zcela nebo z\u010d\u00e1sti\/podle oboru \u010dinnosti), poji\u0161\u0165ovac\u00ed makl\u00e9\u0159 pro n\u00e1s ji\u017e nesm\u00ed v dan\u00fdch oblastech pracovat, a proto od data obdr\u017een\u00ed odvol\u00e1n\u00ed nep\u0159eb\u00edr\u00e1 za dan\u00e9 oblasti \u017e\u00e1dnou odpov\u011bdnost. Zru\u0161en\u00ed nem\u00e1 \u017e\u00e1dn\u00fd vliv na zbytek dohody a na divize, kter\u00fdch se to net\u00fdk\u00e1.<\/p>\n

            – Souhlas se zas\u00edl\u00e1n\u00edm a p\u0159ed\u00e1v\u00e1n\u00edm reklamn\u00edch a informa\u010dn\u00edch materi\u00e1l\u016f v\u00fd\u0161e uveden\u00fdm poji\u0161\u0165ovac\u00edm makl\u00e9\u0159em:<\/strong><\/p>\n

            V r\u00e1mci smluvn\u00edho vztahu zpracov\u00e1v\u00e1 v\u00fd\u0161e uveden\u00fd poji\u0161\u0165ovac\u00ed makl\u00e9\u0159 osobn\u00ed kontaktn\u00ed \u00fadaje. Krom\u011b pou\u017eit\u00ed t\u011bchto \u00fadaj\u016f pro zpracov\u00e1n\u00ed smlouvy by v\u00fd\u0161e uveden\u00fd poji\u0161\u0165ovac\u00ed makl\u00e9\u0159 r\u00e1d pou\u017eil tyto kontaktn\u00ed \u00fadaje (e-mail, adresa bydli\u0161t\u011b, fax, telefon) k zas\u00edl\u00e1n\u00ed informac\u00ed a reklamn\u00edch materi\u00e1l\u016f.<\/p>\n

            T\u00edmto v\u00fdslovn\u011b souhlas\u00edme se zas\u00edl\u00e1n\u00edm informac\u00ed a reklamn\u00edch materi\u00e1l\u016f na n\u00e1mi uveden\u00e9 kontaktn\u00ed adresy. R\u00e1di bychom byli informov\u00e1ni o nejnov\u011bj\u0161\u00edch produktech a slu\u017eb\u00e1ch v\u00fd\u0161e uveden\u00e9ho poji\u0161\u0165ovac\u00edho makl\u00e9\u0159e faxem, e-mailem, telefonicky, SMS nebo po\u0161tou.<\/p>\n

            Upozor\u0148ujeme, \u017ee tento souhlas m\u016f\u017eeme kdykoli odvolat.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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            9 Doba platnosti a ukon\u010den\u00ed<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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              \n
            1. Smlouva o zprost\u0159edkov\u00e1n\u00ed poji\u0161t\u011bn\u00ed vstupuje v platnost dnem podpisu, uzav\u00edr\u00e1 se na dobu neur\u010ditou a m\u016f\u017ee b\u00fdt kteroukoli ze stran kdykoli p\u00edsemn\u011b vypov\u011bzena bez v\u00fdpov\u011bdn\u00ed doby. Zru\u0161en\u00ed smlouvy se pova\u017euje rovn\u011b\u017e za odvol\u00e1n\u00ed\/zru\u0161en\u00ed pln\u00e9 moci a naopak.<\/li>\n
            2. Po odstoupen\u00ed od smlouvy nebo odvol\u00e1n\u00ed pln\u00e9 moci se z\u00e1kazn\u00edk neprodlen\u011b, nejpozd\u011bji v\u0161ak do 6 m\u011bs\u00edc\u016f, porad\u00ed s odborn\u00edkem na poji\u0161t\u011bn\u00ed, kter\u00fd komplexn\u011b p\u0159ezkoum\u00e1 jeho pojistn\u00e9 agendy, vypracuje anal\u00fdzu rizik a zkontroluje rozsah pojistn\u00e9ho kryt\u00ed. Vzhledem k tomu, \u017ee po ukon\u010den\u00ed obchodn\u00edho vztahu zprost\u0159edkovatel definitivn\u011b ztr\u00e1c\u00ed jakoukoli mo\u017enost n\u00e1pravy minul\u00fdch nedostatk\u016f v poradenstv\u00ed, zkracuje se absolutn\u00ed proml\u010dec\u00ed lh\u016fta na 6 m\u011bs\u00edc\u016f, p\u0159i\u010dem\u017e tato lh\u016fta za\u010d\u00edn\u00e1 b\u011b\u017eet ukon\u010den\u00edm obchodn\u00edho vztahu.<\/li>\n
            3. Po ukon\u010den\u00ed t\u00e9to smlouvy o zprost\u0159edkov\u00e1n\u00ed poji\u0161t\u011bn\u00ed a po odn\u011bt\u00ed povolen\u00ed je makl\u00e9\u0159 nad\u00e1le opr\u00e1vn\u011bn z\u00edsk\u00e1vat informace od v\u0161ech poji\u0161\u0165oven za \u00fa\u010delem zaji\u0161t\u011bn\u00ed a ov\u011b\u0159en\u00ed sv\u00fdch provizn\u00edch n\u00e1rok\u016f.<\/li>\n<\/ol>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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              10. z\u00e1v\u011bre\u010dn\u00e1 ustanoven\u00ed<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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              1. Zm\u011bny a\/nebo dodatky k t\u00e9to smlouv\u011b mus\u00ed b\u00fdt provedeny p\u00edsemn\u011b, aby byly platn\u00e9; to plat\u00ed i pro p\u0159\u00edpadn\u00e9 upu\u0161t\u011bn\u00ed od po\u017eadavku p\u00edsemn\u00e9 formy. Toto ustanoven\u00ed se nevztahuje na spot\u0159ebitele (\u00a7 1 KSchG).<\/li>\n
              2. Smluvn\u00ed strany se dohodly, \u017ee ustanoven\u00ed t\u00e9to smlouvy o zprost\u0159edkov\u00e1n\u00ed poji\u0161t\u011bn\u00ed z\u016fst\u00e1vaj\u00ed v platnosti i v p\u0159\u00edpad\u011b, \u017ee makl\u00e9\u0159 nebo klient zm\u011bn\u00ed pr\u00e1vn\u00ed formu nebo dojde ke zm\u011bn\u011b pr\u00e1vn\u00ed formy jin\u00fdm zp\u016fsobem.<\/li>\n
              3. P\u0159\u00edpadn\u00e1 neplatnost jednotliv\u00fdch ustanoven\u00ed nebo \u010d\u00e1st\u00ed t\u00e9to smlouvy o zprost\u0159edkov\u00e1n\u00ed poji\u0161t\u011bn\u00ed nem\u00e1 vliv na z\u00e1vaznost ostatn\u00edch ustanoven\u00ed.<\/li>\n
              4. Tato smlouva o zprost\u0159edkov\u00e1n\u00ed poji\u0161t\u011bn\u00ed se obecn\u011b vztahuje na v\u0161echny smluvn\u00ed vztahy bez ohledu na okam\u017eik podpisu pln\u00e9 moci a bez ohledu na to, kdy byla zah\u00e1jena podp\u016frn\u00e1 \u010dinnost makl\u00e9\u0159e. Tato smlouva o zprost\u0159edkov\u00e1n\u00ed poji\u0161t\u011bn\u00ed se proto vztahuje i na \u010dinnost makl\u00e9\u0159e p\u0159ed podpisem pln\u00e9 moci. Rozsah odpov\u011bdnosti vymezen\u00fd touto smlouvou o zprost\u0159edkov\u00e1n\u00ed poji\u0161t\u011bn\u00ed se vztahuje zejm\u00e9na tak\u00e9 na ty zprost\u0159edkovatelsk\u00e9 \u010dinnosti, kter\u00e9 vykon\u00e1vaj\u00ed spole\u010dn\u00edci, v\u00fdkonn\u00e9 org\u00e1ny, spolupracuj\u00edc\u00ed partne\u0159i nebo zam\u011bstnanci zprost\u0159edkovatele.<\/li>\n
              5. M\u00edstem pln\u011bn\u00ed je m\u00edsto odborn\u00e9 provozovny zprost\u0159edkovatele. V p\u0159\u00edpad\u011b spor\u016f m\u00e1 v\u00fdlu\u010dnou p\u0159\u00edslu\u0161nost p\u0159\u00edslu\u0161n\u00fd soud v m\u00edst\u011b odborn\u00e9 provozovny zprost\u0159edkovatele, pokud v jednotliv\u00fdch p\u0159\u00edpadech neexistuj\u00ed z\u00e1vazn\u00e1 z\u00e1konn\u00e1 ustanoven\u00ed, kter\u00e1 by stanovila jinak.<\/li>\n
              6. Ustanoven\u00ed t\u00e9to smlouvy o zprost\u0159edkov\u00e1n\u00ed poji\u0161t\u011bn\u00ed se pou\u017eij\u00ed i v p\u0159\u00edpad\u011b odvol\u00e1n\u00ed nebo v\u00fdpov\u011bdi pln\u00e9 moci uveden\u00e9 na druh\u00e9 stran\u011b a v p\u0159\u00edpad\u011b ukon\u010den\u00ed smlouvy podle bodu 9 nad r\u00e1mec ztr\u00e1ty pln\u00e9 moci nebo ukon\u010den\u00ed smlouvy. To se t\u00fdk\u00e1 zejm\u00e9na rozsahu odpov\u011bdnosti.<\/li>\n
              7. Je v\u00fdslovn\u011b dohodnuto, \u017ee se pou\u017eije rakousk\u00e9 pr\u00e1vo s v\u00fdjimkou mezin\u00e1rodn\u00edch referen\u010dn\u00edch norem.<\/li>\n
              8. Tato dohoda se vyhotovuje ve dvou v\u00fdtisc\u00edch.<\/li>\n<\/ol>\n\t\t\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
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                Kontaktn\u00ed slu\u017eba<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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                ZP\u011aTN\u00c9 VOL\u00c1N\u00cd
                \nZavol\u00e1me v\u00e1m zp\u011bt a individu\u00e1ln\u011b v\u00e1m porad\u00edme s va\u0161imi dotazy.<\/a><\/p>\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<\/div>\n\t\t<\/section>\n\t\t\t\t

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                E-MAILOV\u00dd DOTAZ
                \nNapi\u0161te n\u00e1m zpr\u00e1vu a my v\u00e1m okam\u017eit\u011b odpov\u00edme.<\/a><\/p>\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<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\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<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

                Podm\u00ednky a pravidla Smlouva s poji\u0161\u0165ovac\u00edm makl\u00e9\u0159em 1. p\u0159edm\u011bt smlouvy Tato smlouva o zprost\u0159edkov\u00e1n\u00ed poji\u0161t\u011bn\u00ed nahrazuje v\u0161echna opr\u00e1vn\u011bn\u00ed a smlouvy, kter\u00e9 jsou v sou\u010dasn\u00e9 dob\u011b mezi smluvn\u00edmi stranami v platnosti. P\u0159edm\u011btem t\u00e9to smlouvy o zprost\u0159edkov\u00e1n\u00ed poji\u0161t\u011bn\u00ed je zprost\u0159edkov\u00e1n\u00ed pojistn\u00fdch slu\u017eeb pro pojistn\u00e1 odv\u011btv\u00ed ozna\u010den\u00e1 v p\u0159\u00edloze, kter\u00e1 je ned\u00edlnou sou\u010d\u00e1st\u00ed t\u00e9to smlouvy, poji\u0161\u0165ovac\u00edm makl\u00e9\u0159em a […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":8472,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","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":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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