{"id":2006,"date":"2025-03-21T16:37:57","date_gmt":"2025-03-21T15:37:57","guid":{"rendered":"https:\/\/www.finportalcorporatecenter.sk\/?page_id=2006"},"modified":"2025-04-01T12:27:49","modified_gmt":"2025-04-01T10:27:49","slug":"eticky-kodex","status":"publish","type":"page","link":"https:\/\/www.finportalcorporatecenter.sk\/?page_id=2006","title":{"rendered":"Etick\u00fd k\u00f3dex"},"content":{"rendered":"\t\t
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\n Etick\u00fd k\u00f3dex\n<\/h1>\n

\n PREAMBULA\n<\/h2>\n

\nSpolo\u010dnos\u0165 Finportal, a.s. je\n<\/p>\n

    \n
  • \n samostatn\u00fdm finan\u010dn\u00fdm agentom, opr\u00e1vnen\u00fdm k poskytovaniu a zabezpe\u010dovaniu slu\u017eieb\n finan\u010dn\u00e9ho sprostredkovania na \u00fazem\u00ed Slovenskej republiky\n <\/li>\n
  • \n vykon\u00e1va svoju \u010dinnos\u0165 prostredn\u00edctvom siete podriaden\u00fdch finan\u010dn\u00fdch agentov, ktor\u00fdch v\u00fdber\n podlieha pr\u00edsnym pravidl\u00e1m a krit\u00e9ri\u00e1m\n <\/li>\n
  • \n m\u00e1 z\u00e1ujem pri v\u00fdkone svojej \u010dinnosti uplat\u0148ova\u0165 vy\u0161\u0161\u00ed \u0161tandard profesijnej etiky a mor\u00e1lnych\n princ\u00edpov spr\u00e1vania sa v z\u00e1ujme ochrany pr\u00e1v klientov a finan\u010dn\u00fdch spotrebite\u013eov\n <\/li>\n
  • \n m\u00e1 z\u00e1ujem prispieva\u0165 k stabilite hospod\u00e1rskej s\u00fa\u0165a\u017ee na finan\u010dnom trhu a k zvy\u0161ovaniu kvality\n zdrav\u00e9ho konkuren\u010dn\u00e9ho prostredia\n <\/li>\n
  • \n m\u00e1 z\u00e1ujem prevzia\u0165 spolo\u010densk\u00fa zodpovednos\u0165 a uplat\u0148ova\u0165 filantropick\u00e9 a soci\u00e1lne princ\u00edpy\n <\/li>\n<\/ul>\n

    \nUvedomujeme si, \u017ee pre pr\u00e1cu finan\u010dn\u00e9ho sprostredkovate\u013ea s\u00fa rozhoduj\u00facou a nedelite\u013enou\ns\u00fa\u010das\u0165ou pr\u00e1ce hodnoty nez\u00e1vislosti, osobnej slobody, spravodlivosti a slu\u0161nosti, vzdelanosti a\nodbornej starostlivosti o spolupracuj\u00face osoby.\n<\/p>\n

    \nVyd\u00e1vame tento ETICK\u00dd K\u00d3DEX, ako k\u013e\u00fa\u010dov\u00fd dokument spolo\u010dnosti, ktor\u00fd je s\u00faborom pravidiel\nprofesijnej etiky a noriem spr\u00e1vania sa podriaden\u00fdch finan\u010dn\u00fdch agentov, ich zamestnancov a\nzamestnancov spolo\u010dnosti, vykon\u00e1vaj\u00facich finan\u010dn\u00e9 sprostredkovanie (\u010falej len\n\u201esprostredkovate\u013e\u201c v pr\u00edslu\u0161nom gramatickom tvare). Ka\u017ed\u00fd sprostredkovate\u013e sa mus\u00ed sna\u017ei\u0165 vo\nsvojej \u010dinnosti o presadenie hodn\u00f4t definovan\u00fdch v tomto k\u00f3dexe.\n<\/p>\n

    \n Z\u00c1MEROM ETICK\u00c9HO K\u00d3DEXU JE:\n<\/h2>\n

    \na) stanovi\u0165 z\u00e1v\u00e4zn\u00e9 pravidl\u00e1 spr\u00e1vania sa finan\u010dn\u00fdch sprostredkovate\u013eov spolo\u010dnosti, tak, aby\nvykon\u00e1vali korektn\u00fa finan\u010dn\u00fa sprostredkovate\u013esk\u00fa \u010dinnos\u0165 vo vz\u0165ahu k finan\u010dn\u00fdm spotrebite\u013eom\na medzi sebou navz\u00e1jom.\n<\/p>\n

    \nb) informova\u0165 klientov a odborn\u00fa verejnos\u0165 o dobr\u00fdch mravoch a z\u00e1sad\u00e1ch pr\u00e1ce finan\u010dn\u00e9ho\nsprostredkovate\u013ea spolo\u010dnosti.\n<\/p>\n

    \n I. V\u0161eobecn\u00e9 z\u00e1sady spr\u00e1vania sa sprostredkovate\u013ea\n<\/h2>\n

    \n1. Sprostredkovate\u013e sa vo svojej \u010dinnosti s\u00fastavne, trvalo a odborne riadi pr\u00edslu\u0161n\u00fdmi z\u00e1konmi a\npredmetn\u00fdmi vykon\u00e1vac\u00edmi predpismi, uzavret\u00fdmi zmluvn\u00fdmi vz\u0165ahmi s finan\u010dn\u00fdmi in\u0161tit\u00faciami\na po\u017eiadavkami a potrebami svojich klientov.\n<\/p>\n

    \n2. Sprostredkovate\u013e sa vo svojej \u010dinnosti z\u00fa\u010dast\u0148uje na hospod\u00e1rskej s\u00fa\u0165a\u017ei, pri\u010dom db\u00e1 na\npr\u00e1vne z\u00e1v\u00e4zn\u00e9 pravidl\u00e1 hospod\u00e1rskej s\u00fa\u0165a\u017ee a nesmie \u00fa\u010das\u0165 na s\u00fa\u0165a\u017ei zneu\u017e\u00edva\u0165.\n<\/p>\n

    \n3. V r\u00e1mci hospod\u00e1rskej s\u00fa\u0165a\u017ee sprostredkovate\u013e v\u017edy kon\u00e1 v s\u00falade s dobr\u00fdmi mravmi tak, aby\nnesp\u00f4sobil ujmu in\u00fdm subjektom trhu nekalou s\u00fa\u0165a\u017eou a zdr\u017e\u00ed sa ak\u00fdchko\u013evek obchodn\u00fdch\nprakt\u00edk, ktor\u00fdch cie\u013eom je z\u00edskanie neopr\u00e1vnenej v\u00fdhody na \u00fakor in\u00e9ho s\u00fa\u0165a\u017eite\u013ea na trhu\nfinan\u010dn\u00e9ho sprostredkovania.\n<\/p>\n

    \n4. Sprostredkovate\u013e sa zdr\u017e\u00ed klamliv\u00fdch, zav\u00e1dzaj\u00facich a neoveren\u00fdch v\u00fdrokov o svojej profesii, o\nrozsahu a charaktere \u010dinnosti finan\u010dn\u00e9ho sprostredkovania.\n<\/p>\n

    \n5. Sprostredkovate\u013e pri svojej \u010dinnosti zachov\u00e1va obchodn\u00e9 tajomstvo a ml\u010danlivos\u0165.\n<\/p>\n

    \n6. Sprostredkovate\u013e sa vo svojej \u010dinnosti zdr\u017e\u00ed konania, ktor\u00e9 by mohlo naru\u0161i\u0165 d\u00f4veru klientov a\nfinan\u010dn\u00fdch in\u0161tit\u00facii, alebo vyvola\u0165 nepravdiv\u00fd obraz o sprostredkovate\u013eskej \u010dinnosti alebo o\nspolo\u010dnosti.\n<\/p>\n

    \n7. V pr\u00edpade, ak sprostredkovate\u013e nen\u00e1jde rie\u0161enie na odstr\u00e1nenie ak\u00e9hoko\u013evek rozporu s in\u00fdm\nsprostredkovate\u013eom spolo\u010dnosti, h\u013eadaj\u00fa spolo\u010dne rie\u0161enie prostredn\u00edctvom vedenia\nspolo\u010dnosti.\n<\/p>\n

    \n8. Sprostredkovate\u013e vynaklad\u00e1 v\u0161etko \u00fasilie, aby mal potrebn\u00e9 person\u00e1lne i materi\u00e1lne z\u00e1zemie,\nktor\u00e9 mu umo\u017en\u00ed r\u00fdchlo a kvalitne rie\u0161i\u0165 potreby a po\u017eiadavky klientov.\n<\/p>\n

    \n9. Sprostredkovate\u013e sa mus\u00ed neust\u00e1le vzdel\u00e1va\u0165 a ma\u0165 aktu\u00e1lny preh\u013ead o situ\u00e1cii na finan\u010dnom\ntrhu, o jednotliv\u00fdch finan\u010dn\u00fdch in\u0161tit\u00faci\u00e1ch a ich produktoch.\n<\/p>\n

    \n10. Sprostredkovate\u013e sa pri v\u00fdkone \u010dinnosti finan\u010dn\u00e9ho sprostredkovania v\u017edy spr\u00e1va nestranne\na profesion\u00e1lne, vyvaruje sa ak\u00e9muko\u013evek ohov\u00e1rania \u010di zv\u00fdhod\u0148ovaniu niektorej finan\u010dnej\nin\u0161tit\u00facie.\n<\/p>\n

    \n11. S finan\u010dn\u00fdmi in\u0161tit\u00faciami udr\u017eiava sprostredkovate\u013e dobr\u00e9 vz\u0165ahy spolupr\u00e1ce.\n<\/p>\n

    \n12. Sprostredkovate\u013e je vo svojom rozhodovan\u00ed nez\u00e1visl\u00fd.\n<\/p>\n

    \n13. Sprostredkovate\u013e sa svojou \u010dinnos\u0165ou podie\u013ea na vytv\u00e1ran\u00ed a udr\u017eiavan\u00ed zdrav\u00e9ho a\nfunk\u010dn\u00e9ho finan\u010dn\u00e9ho trhu.\n<\/p>\n

    \n14. Hlavn\u00fdmi z\u00e1sadami, ktor\u00fdmi sa finan\u010dn\u00fd sprostredkovate\u013e riadi vo svojej pr\u00e1ci s\u00fa nestrannos\u0165,\nvyv\u00e1\u017eenos\u0165, objektivita, poctivos\u0165, \u010destnos\u0165, pravdivos\u0165, zodpovednos\u0165 a profesionalita.\n<\/p>\n

    \n15. Poslan\u00edm finan\u010dn\u00e9ho sprostredkovate\u013ea je trval\u00e9 zlep\u0161ovanie podnikate\u013esk\u00e9ho prostredia\nkvalitou pr\u00e1ce, ochrana z\u00e1ujmov finan\u010dn\u00fdch spotrebite\u013eov, zvy\u0161ovanie finan\u010dnej gramotnosti\nobyvate\u013estva, budovanie dobr\u00e9ho mena tohto druhu podnikania a vytv\u00e1ranie d\u00f4veryhodn\u00e9ho\nprostredia pre poskytovanie finan\u010dn\u00fdch slu\u017eieb klientom.\n<\/p>\n

    \n16. Sprostredkovate\u013e db\u00e1 na svoje dobr\u00e9 meno a dobr\u00e9 meno spolo\u010dnosti.\n<\/p>\n

    \n II. Z\u00e1sady spr\u00e1vania sa vo vz\u0165ahu ku klientom\n<\/h2>\n

    \n1. Pri poskytovan\u00ed slu\u017eieb finan\u010dn\u00e9ho sprostredkovania je prvorad\u00fd z\u00e1ujem klienta.\n<\/p>\n

    \n2. Sprostredkovate\u013e uplat\u0148uje zdvoril\u00fd, korektn\u00fd a nestrann\u00fd pr\u00edstup ku v\u0161etk\u00fdm klientom;\nz\u00e1ujmy jedn\u00e9ho klienta neuprednost\u0148uje nad z\u00e1ujmy klienta in\u00e9ho a dodr\u017eiava princ\u00edp rovn\u00e9ho\nzaobch\u00e1dzania so svojimi klientmi a spravodliv\u00e9ho pr\u00edstupu k nim.\n<\/p>\n

    \n3. Sprostredkovate\u013e je povinn\u00fd zastupova\u0165 z\u00e1ujmy svojich klientov, sprac\u00fava\u0165 pre nich optim\u00e1lne\nfinan\u010dn\u00e9ho produkty tak z h\u013eadiska ich potrieb a \u017eelan\u00ed, ako i z h\u013eadiska ponuky finan\u010dn\u00e9ho trhu.\n<\/p>\n

    \n4. Sprostredkovate\u013e je povinn\u00fd poskytova\u0165 klientom pravdiv\u00e9 a objekt\u00edvne rady a vysvetlenia\nrozli\u010dn\u00fdch charakterist\u00edk, pr\u00e1v, povinnost\u00ed a ceny finan\u010dn\u00e9ho produktu, ktor\u00e9 by pod\u013ea jeho\nn\u00e1zoru a presved\u010denia boli adekv\u00e1tne pre rizik\u00e1 a potreby, ktor\u00e9 chce klient pokry\u0165, uvedomuj\u00fac\nsi, \u017ee tieto bud\u00fa ovplyv\u0148ova\u0165 jeho rozhodnutie o nakladan\u00ed s vlastn\u00fdm majetkom.\n<\/p>\n

    \n5. Sprostredkovate\u013e nevykon\u00e1va tlak na finan\u010dn\u00e9 rozhodovanie sa klienta, alebo tlak na\nrozhodovanie sa pre neho za n\u00e1padne nev\u00fdhodn\u00fdch podmienok; je povinn\u00fd poskytn\u00fa\u0165 mu\ndostatok inform\u00e1ci\u00ed a \u010dasu pre jeho slobodn\u00e9 rozhodnutie sa o vyu\u017eit\u00ed pr\u00edslu\u0161nej finan\u010dnej slu\u017eby.\n<\/p>\n

    \n6. Sprostredkovate\u013e po\u017eaduje od klienta len tie inform\u00e1cie o jeho osobn\u00fdch \u00fadajoch a majetku,\nktor\u00e9 s\u00fa potrebn\u00e9 v rozsahu n\u00edm po\u017eadovanej finan\u010dnej slu\u017eby a ktor\u00fdch z\u00edskanie nie je v rozpore\ns platn\u00fdmi pr\u00e1vnymi predpismi, s\u00fa\u010dasne sa zdr\u017e\u00ed ich \u010fal\u0161ieho ne\u017eiaduceho \u0161\u00edrenia a zachov\u00e1va\nd\u00f4vernos\u0165 komunik\u00e1cie.\n<\/p>\n

    \n7. Sprostredkovate\u013e db\u00e1 na zachovanie ml\u010danlivosti o v\u0161etk\u00fdch skuto\u010dnostiach t\u00fdkaj\u00facich sa\nklientov, ktor\u00e9 sa pri v\u00fdkone \u010dinnosti finan\u010dn\u00e9ho sprostredkovate\u013ea, dozvie a ktor\u00e9 podliehaj\u00fa\nz\u00e1konom vymedzenej ochrane alebo obchodn\u00e9mu tajomstvu, s\u00fa\u010dasne sa zdr\u017e\u00ed ich \u010fal\u0161ieho\nne\u017eiaduceho \u0161\u00edrenia a to tak vo svojom pracovnom ako i s\u00fakromnom prostred\u00ed.\n<\/p>\n

    \n8. Sprostredkovate\u013e poskytuje z\u00e1sadne \u00fapln\u00e9, pravdiv\u00e9, neskreslen\u00e9 a zrozumite\u013en\u00e9 inform\u00e1cie\no finan\u010dn\u00fdch produktoch a finan\u010dn\u00fdch in\u0161tit\u00faci\u00e1ch. Sprostredkovate\u013e nezaml\u010duje klientovi \u017eiadny\np\u00edsomn\u00fd d\u00f4kaz ani dokument\u00e1ciu, ktor\u00e9 sa t\u00fdkaj\u00fa sprostredkovania konkr\u00e9tneho finan\u010dn\u00e9ho\nproduktu. Svoje rady a inform\u00e1cie poskytuje sprostredkovate\u013e len v t\u00fdch oblastiach, v ktor\u00fdch je\nodborne kompetentn\u00fd.\n<\/p>\n

    \n9. Sprostredkovate\u013e nedojedn\u00e1va finan\u010dn\u00e9 produkty so \u0161pekulat\u00edvnymi z\u00e1mermi.\n<\/p>\n

    \n10. Sprostredkovate\u013e je zodpovedn\u00fd za komplexn\u00e9 spracovanie n\u00e1vrhov finan\u010dn\u00fdch produktov a\nprogramov, za konzulta\u010dn\u00fa a poradensk\u00fa \u010dinnos\u0165, za spravovanie u\u017e sprostredkovan\u00fdch\nobchodov a za s\u00fa\u010dinnos\u0165 pri poistn\u00fdch i \u0161kodov\u00fdch udalostiach.\n<\/p>\n

    \n11. Sprostredkovate\u013e propaguje svoje slu\u017eby finan\u010dn\u00e9ho sprostredkovania poskytovan\u00edm\njasn\u00fdch, zrozumite\u013en\u00fdch inform\u00e1ci\u00ed, bez pou\u017e\u00edvania ak\u00fdchko\u013evek zav\u00e1dzaj\u00facich alebo myln\u00fdch, \u010di\nnepravdiv\u00fdch inform\u00e1ci\u00ed.\n<\/p>\n

    \n III. Dodr\u017eiavanie k\u00f3dexu\n<\/h2>\n

    \n1. S\u00fabor pravidiel uveden\u00fdch v tomto k\u00f3dexe predstavuje z\u00e1kladn\u00fa rovinu po\u017eiadaviek na v\u00fdkon\nfinan\u010dn\u00e9ho sprostredkovania v spolo\u010dnosti s t\u00fdm, \u017ee ka\u017ed\u00fd sprostredkovate\u013e m\u00f4\u017ee uplat\u0148ova\u0165\ne\u0161te vy\u0161\u0161\u00ed \u0161tandard.\n<\/p>\n

    \n2. Dodr\u017eiavanie k\u00f3dexu je z\u00e1v\u00e4zn\u00e9 pre v\u0161etk\u00fdch sprostredkovate\u013eov. Novo prich\u00e1dzaj\u00faci\nsprostredkovate\u013e je povinn\u00fd prehl\u00e1si\u0165, \u017ee sa s Etick\u00fdm k\u00f3dexom vopred obozn\u00e1mil a pristupuje k\nnemu v celom rozsahu.\n<\/p>\n

    \n3. Poru\u0161enie Etick\u00e9ho k\u00f3dexu sa pova\u017euje za hrub\u00e9 poru\u0161enie povinnosti finan\u010dn\u00e9ho\nsprostredkovate\u013ea spolo\u010dnosti.\n<\/p>\n

    \n4. Oddelenie compliance je odborn\u00fdm oddelen\u00edm spolo\u010dnosti zodpovedn\u00fdm okrem in\u00e9ho za\nsledovanie dodr\u017eiavania Etick\u00e9ho k\u00f3dexu finan\u010dn\u00fdmi sprostredkovate\u013emi spolo\u010dnosti. Oddelenie\ncompliance je s\u00fa\u010dasne opr\u00e1vnen\u00e9 rie\u0161i\u0165 zistenia o poru\u0161en\u00ed etick\u00e9ho k\u00f3dexu sprostredkovate\u013emi\nspolo\u010dnosti a po\u017eadova\u0165 od sprostredkovate\u013eov n\u00e1pravu stavu vec\u00ed, \u010di poda\u0165 predstavenstvu\nspolo\u010dnosti n\u00e1vrh na ukon\u010denie spolupr\u00e1ce so sprostredkovate\u013eom.\n<\/p>\n

    \n5. Pokia\u013e sprostredkovate\u013e organizuje alebo riadi \u010dinnos\u0165 svojich zamestnancov vykon\u00e1vaj\u00facich\nfinan\u010dn\u00e9 sprostredkovanie, zav\u00e4zuje sa uplat\u0148ova\u0165 Etick\u00fd k\u00f3dex aj pri ich \u010dinnosti, obozn\u00e1mi\u0165 ich\ns jeho obsahom, po\u017eadova\u0165 ich konanie v s\u00falade s jeho znen\u00edm a sledova\u0165 jeho dodr\u017eiavanie v\npraxi.\n<\/p>\n

    \n6. Ka\u017ed\u00fd sprostredkovate\u013e je povinn\u00fd ohl\u00e1si\u0165 poru\u0161ovanie princ\u00edpov Etick\u00e9ho k\u00f3dexu oddeleniu\ncompliance.\n<\/p>\n

    \n IV. Z\u00e1vere\u010dn\u00e9 ustanovenia\n<\/h2>\n

    \n1. Etick\u00fd k\u00f3dex bol schv\u00e1len\u00fd predstavenstvom spolo\u010dnosti d\u0148a 01.09.2015 a nadob\u00fada \u00fa\u010dinnos\u0165\nd\u0148om 01.09.2015.\n<\/p>\n

    \n2. Etick\u00fd k\u00f3dex je k dispoz\u00edcii na webovej str\u00e1nke Spolo\u010dnosti, v s\u00eddle Spolo\u010dnosti a v obchodn\u00fdch\nmiestach sprostredkovate\u013eov.\n<\/p>\n

    \n3. Spolo\u010dnos\u0165 si vyhradzuje pr\u00e1vo na zmenu a doplnenie tohto Etick\u00e9ho k\u00f3dexu.\n<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

    Etick\u00fd k\u00f3dex PREAMBULA Spolo\u010dnos\u0165 Finportal, a.s. je samostatn\u00fdm finan\u010dn\u00fdm agentom, opr\u00e1vnen\u00fdm k poskytovaniu a zabezpe\u010dovaniu slu\u017eieb finan\u010dn\u00e9ho sprostredkovania na \u00fazem\u00ed Slovenskej republiky vykon\u00e1va svoju \u010dinnos\u0165 prostredn\u00edctvom siete podriaden\u00fdch finan\u010dn\u00fdch agentov, ktor\u00fdch v\u00fdber podlieha pr\u00edsnym pravidl\u00e1m a krit\u00e9ri\u00e1m m\u00e1 z\u00e1ujem pri v\u00fdkone svojej \u010dinnosti uplat\u0148ova\u0165 vy\u0161\u0161\u00ed \u0161tandard profesijnej etiky a mor\u00e1lnych princ\u00edpov spr\u00e1vania sa v z\u00e1ujme […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_ti_tpc_template_sync":false,"_ti_tpc_template_id":"","footnotes":""},"class_list":["post-2006","page","type-page","status-publish","hentry"],"yoast_head":"\nEtick\u00fd k\u00f3dex - 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