{"id":7305,"date":"2025-05-14T14:56:16","date_gmt":"2025-05-14T12:56:16","guid":{"rendered":"https:\/\/atb.law\/?post_type=blog-post&p=7305"},"modified":"2026-06-07T21:58:05","modified_gmt":"2026-06-07T19:58:05","slug":"finfluenceri-i-tipsteri","status":"publish","type":"blog-post","link":"https:\/\/atb.law\/bs\/blog-post\/finfluencer-und-tippgeber\/","title":{"rendered":"Finski influenseri i tipsteri"},"content":{"rendered":"
    \n
  1. \n

    Ugovor o savjetovanju kao preduvjet<\/strong><\/h2>\n

    Osnovni uslov za odgovornost koja proizlazi iz neta\u010dnog savjeta je, kao prvi korak, uvijek postojanje ugovora o savjetovanju ili obaveze davanja savjeta. Prema utvr\u0111enoj sudskoj praksi, ugovor o investicionom savjetovanju sklapa se brzo, jer se takav ugovor mo\u017ee zaklju\u010diti i pre\u0161utno. Mo\u017eda je dovoljno da savjetnik ili finfluenser preporu\u010di odre\u0111eni proizvod koji nudi pru\u017eatelj finansijskih usluga (potencijalnom) klijentu ili da da konkretne preporuke u vezi s iznosom koji treba ulo\u017eiti. Posjeduje li savjetnik zaista potrebno li\u010dno i profesionalno znanje ili ispunjava regulatorne zahtjeve nije relevantno za utvr\u0111ivanje odgovornosti za \u0161tetu nastalu uslijed neta\u010dnog savjeta. Ove se kvalitete, zapravo, uvijek pretpostavljaju u slu\u010daju pla\u0107enih savjetodavnih usluga. Shodno tome, \u010dak i osoba koja nije ovla\u0161tena za davanje investicijskih savjeta mora se pridr\u017eavati relevantnog standarda du\u017ene pa\u017enje i pravila profesionalnog pona\u0161anja kada daje savjete na vlastitu inicijativu.<\/p>\n

    Pripisivanje odgovornosti savjetniku <\/strong><\/h2>\n

    Poslovanje preporukama karakteri\u0161e \u010dinjenica da preporu\u010ditelj poslovnom subjektu dostavlja kontakt podatke zainteresovanih strana (tj. potencijalnih kupaca) i zauzvrat prima takozvanu "proviziju za preporuku". Preporu\u010ditelj poma\u017ee vlasnicima preduze\u0107a u sticanju klijenata, a da pritom ne pru\u017ea nikakve savjetodavne ili posredni\u010dke usluge osim same preporuke klijenata. Ako preporu\u010ditelj, djeluju\u0107i na vlastitu inicijativu, pru\u017ei neta\u010dne ili nepotpune investicijske savjete, njegovo postupanje se, prema novijoj sudskoj praksi Vrhovnog suda (OGH) u predmetu 17 Ob 8\/23k, mo\u017ee pripisati pru\u017eatelju financijskih usluga u skladu s \u010dlankom 1313a Austrijskog gra\u0111anskog zakonika (ABGB). Pru\u017ealac finansijskih usluga je tada direktno odgovoran o\u0161te\u0107enom klijentu ako savjetodavac<\/p>\n

      \n
    1. postupao je u interesu pru\u017eatelja finansijskih usluga i<\/li>\n
    2. njegovo postupanje ne izlazi izvan op\u0161teg okvira du\u017enosti koje je savjetnik bio du\u017ean obavljati u ime pru\u017eatelja finansijskih usluga u cilju ostvarivanja njegovih interesa.<\/li>\n<\/ol>\n

      Provajder finansijskih usluga stoga op\u0107enito snosi odgovornost za bilo kakav neta\u010dan savjet ili druge brokerske usluge koje je pru\u017eio savjetodavac, ako je u to vrijeme sam provajder finansijskih usluga bio, barem u formalnom smislu, ovla\u0161ten pru\u017eati investicijske savjete ili brokerske usluge ulaganja. Naravno, preduslov za odgovornost je uvijek da je neta\u010dan ili nepotpun savjet o ulaganju zaista pru\u017een.<\/p>\n

      Pripisivanje odgovornosti finfluenseru<\/strong><\/h2>\n

      Termin 'finfluencer' se koristi za opisivanje osoba koje dijele sadr\u017eaj o finansijskim temama putem dru\u0161tvenih mre\u017ea. Te teme uklju\u010duju savjete o strukturiranju li\u010dnog finansijskog planiranja, preporuke za ulaganje i informacije o makroekonomskim ili geopoliti\u010dkim doga\u0111ajima. Da li finfluencer ima odgovaraju\u0107u formalnu obuku ili kvalifikacije u finansijskom sektoru obi\u010dno nije o\u010digledno prosje\u010dnom maloprodajnom investitoru.<\/p>\n

      Pru\u017eatelji finansijskih usluga koji promovi\u0161u svoje proizvode putem finfluencera na dru\u0161tvenim mre\u017eama ili drugim platformama rizikuju da u budu\u0107nosti budu smatrani odgovornim za \u0161tetu koju klijenti pretrpe. Ako finfluencer, pored objektivnog promoviranja investicionog proizvoda, daje savjete \u2013 \u010dak i ako to \u010dini iz vlastite inicijative \u2013 koji uzimaju u obzir li\u010dne i finansijske okolnosti drugih pojedinaca ili ciljnih grupa, to mo\u017ee, u slu\u010daju sumnje, predstavljati investicioni savjet.<\/p>\n

      Iako pitanje da li pru\u017eaoci finansijskih usluga mogu biti odgovorni za neprimjereno pona\u0161anje 'finfluencera' jo\u0161 nije bilo predmet sudske prakse najvi\u0161ih sudova, ono se zasniva na principima koji su ve\u0107 utvr\u0111eni u vezi sa tipsterima.<\/p>\n

      Potra\u017eite pravni savjet unaprijed kako biste izbjegli budu\u0107e tu\u017ebe za odgovornost.<\/strong><\/h2>\n

      Za pru\u017eatelje finansijskih usluga, kori\u0161tenje tipstera i finfluencera u prodaji donosi posebne prednosti, ali tako\u0111er predstavlja izazove. Posebno su sastavljanje ugovora, pravno ispravna obuka posrednika uklju\u010denih u prodaju i kontinuirane provjere uskla\u0111enosti klju\u010dni za za\u0161titu klijenata i kompanije od posljedica nepotpunih ili neta\u010dnih savjeta.<\/p>\n<\/li>\n<\/ol>\n

      Za dodatne informacije i personalizirane savjete, Roman Taudes i njegov tim su vam uvijek na raspolaganju. Molimo kontaktirajte nas na office@atb.law<\/a> ili telefonom na +43 1 3912345<\/a>.<\/strong><\/p>\n\n\n

      <\/p>","protected":false},"template":"","categories":[31],"class_list":["post-7305","blog-post","type-blog-post","status-publish","has-post-thumbnail","hentry","category-unternehmensrecht"],"acf":[],"post-kategorie":"31","_post-kategorie":"field_66d947537140a","post-kurzbeschreibung":"Haftungsfallen f\u00fcr Finanzdienstleister","_post-kurzbeschreibung":"field_66d949fe1efe2","post-beitragsbild":"7312","_post-beitragsbild":"field_66d94a4a1efe3","post-author_post-author-name":"Roman Taudes","_post-author_post-author-name":"field_66d94a801efe5","post-author_post-author-foto":"5985","_post-author_post-author-foto":"field_66d94aa11efe6","post-author":"","_post-author":"field_66d94ee2827ca","yoast_head":"\nFinfluencer und Tippgeber<\/title>\n<meta name=\"description\" content=\"Die Haftungsrisiken f\u00fcr Finanzdienstleister beim Einsatz von Finfluencern und Tippgebern im Vertrieb und wie man sich gegen Haftungsf\u00e4lle absichern kann.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/atb.law\/bs\/objava-na-blogu\/finfluenceri-i-tipsteri\/\" \/>\n<meta property=\"og:locale\" content=\"bs_BA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Finfluencer und Tippgeber\" \/>\n<meta property=\"og:description\" content=\"Die Haftungsrisiken f\u00fcr Finanzdienstleister beim Einsatz von Finfluencern und Tippgebern im Vertrieb und wie man sich gegen Haftungsf\u00e4lle absichern kann.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/atb.law\/bs\/objava-na-blogu\/finfluenceri-i-tipsteri\/\" \/>\n<meta property=\"og:site_name\" content=\"ATB.LAW\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-07T19:58:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/atb.law\/wp-content\/uploads\/2025\/05\/Finfluencer-final.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1382\" \/>\n\t<meta property=\"og:image:height\" content=\"842\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/atb.law\\\/blog-post\\\/finfluencer-und-tippgeber\\\/\",\"url\":\"https:\\\/\\\/atb.law\\\/blog-post\\\/finfluencer-und-tippgeber\\\/\",\"name\":\"Finfluencer und Tippgeber\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/atb.law\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/atb.law\\\/blog-post\\\/finfluencer-und-tippgeber\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/atb.law\\\/blog-post\\\/finfluencer-und-tippgeber\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/atb.law\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/Finfluencer-final.jpg\",\"datePublished\":\"2025-05-14T12:56:16+00:00\",\"dateModified\":\"2026-06-07T19:58:05+00:00\",\"description\":\"Die Haftungsrisiken f\u00fcr Finanzdienstleister beim Einsatz von Finfluencern und Tippgebern im Vertrieb und wie man sich gegen Haftungsf\u00e4lle absichern kann.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/atb.law\\\/blog-post\\\/finfluencer-und-tippgeber\\\/#breadcrumb\"},\"inLanguage\":\"bs-BA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/atb.law\\\/blog-post\\\/finfluencer-und-tippgeber\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"bs-BA\",\"@id\":\"https:\\\/\\\/atb.law\\\/blog-post\\\/finfluencer-und-tippgeber\\\/#primaryimage\",\"url\":\"https:\\\/\\\/atb.law\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/Finfluencer-final.jpg\",\"contentUrl\":\"https:\\\/\\\/atb.law\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/Finfluencer-final.jpg\",\"width\":1382,\"height\":842,\"caption\":\"finflu\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/atb.law\\\/blog-post\\\/finfluencer-und-tippgeber\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/atb.law\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Finfluencer und Tippgeber\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/atb.law\\\/#website\",\"url\":\"https:\\\/\\\/atb.law\\\/\",\"name\":\"atb Rechtsanw\u00e4lte\",\"description\":\"Rechtsanwaltskanzlei in Wien\",\"publisher\":{\"@id\":\"https:\\\/\\\/atb.law\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/atb.law\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"bs-BA\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/atb.law\\\/#organization\",\"name\":\"atb Rechtsanw\u00e4lte\",\"url\":\"https:\\\/\\\/atb.law\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"bs-BA\",\"@id\":\"https:\\\/\\\/atb.law\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/atb.law\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/ATB_Rechtsanwaelte_site-logo-beige.png\",\"contentUrl\":\"https:\\\/\\\/atb.law\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/ATB_Rechtsanwaelte_site-logo-beige.png\",\"width\":1572,\"height\":1110,\"caption\":\"atb Rechtsanw\u00e4lte\"},\"image\":{\"@id\":\"https:\\\/\\\/atb.law\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Finski influenseri i tipsteri","description":"Rizici odgovornosti s kojima se suo\u010davaju pru\u017eatelji financijskih usluga pri kori\u0161tenju 'finfluencera' i tipstera u prodaji, te kako se za\u0161tititi od tu\u017ebi za odgovornost.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/atb.law\/bs\/objava-na-blogu\/finfluenceri-i-tipsteri\/","og_locale":"bs_BA","og_type":"article","og_title":"Finfluencer und Tippgeber","og_description":"Die Haftungsrisiken f\u00fcr Finanzdienstleister beim Einsatz von Finfluencern und Tippgebern im Vertrieb und wie man sich gegen Haftungsf\u00e4lle absichern kann.","og_url":"https:\/\/atb.law\/bs\/objava-na-blogu\/finfluenceri-i-tipsteri\/","og_site_name":"ATB.LAW","article_modified_time":"2026-06-07T19:58:05+00:00","og_image":[{"width":1382,"height":842,"url":"https:\/\/atb.law\/wp-content\/uploads\/2025\/05\/Finfluencer-final.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"3 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/atb.law\/blog-post\/finfluencer-und-tippgeber\/","url":"https:\/\/atb.law\/blog-post\/finfluencer-und-tippgeber\/","name":"Finski influenseri i tipsteri","isPartOf":{"@id":"https:\/\/atb.law\/#website"},"primaryImageOfPage":{"@id":"https:\/\/atb.law\/blog-post\/finfluencer-und-tippgeber\/#primaryimage"},"image":{"@id":"https:\/\/atb.law\/blog-post\/finfluencer-und-tippgeber\/#primaryimage"},"thumbnailUrl":"https:\/\/atb.law\/wp-content\/uploads\/2025\/05\/Finfluencer-final.jpg","datePublished":"2025-05-14T12:56:16+00:00","dateModified":"2026-06-07T19:58:05+00:00","description":"Rizici odgovornosti s kojima se suo\u010davaju pru\u017eatelji financijskih usluga pri kori\u0161tenju 'finfluencera' i tipstera u prodaji, te kako se za\u0161tititi od tu\u017ebi za odgovornost.","breadcrumb":{"@id":"https:\/\/atb.law\/blog-post\/finfluencer-und-tippgeber\/#breadcrumb"},"inLanguage":"bs-BA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/atb.law\/blog-post\/finfluencer-und-tippgeber\/"]}]},{"@type":"ImageObject","inLanguage":"bs-BA","@id":"https:\/\/atb.law\/blog-post\/finfluencer-und-tippgeber\/#primaryimage","url":"https:\/\/atb.law\/wp-content\/uploads\/2025\/05\/Finfluencer-final.jpg","contentUrl":"https:\/\/atb.law\/wp-content\/uploads\/2025\/05\/Finfluencer-final.jpg","width":1382,"height":842,"caption":"finflu"},{"@type":"BreadcrumbList","@id":"https:\/\/atb.law\/blog-post\/finfluencer-und-tippgeber\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/atb.law\/"},{"@type":"ListItem","position":2,"name":"Finfluencer und Tippgeber"}]},{"@type":"WebSite","@id":"https:\/\/atb.law\/#website","url":"https:\/\/atb.law\/","name":"atb Advokati","description":"Advokatska kancelarija u Be\u010du","publisher":{"@id":"https:\/\/atb.law\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/atb.law\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"bs-BA"},{"@type":"Organization","@id":"https:\/\/atb.law\/#organization","name":"atb Advokati","url":"https:\/\/atb.law\/","logo":{"@type":"ImageObject","inLanguage":"bs-BA","@id":"https:\/\/atb.law\/#\/schema\/logo\/image\/","url":"https:\/\/atb.law\/wp-content\/uploads\/2024\/05\/ATB_Rechtsanwaelte_site-logo-beige.png","contentUrl":"https:\/\/atb.law\/wp-content\/uploads\/2024\/05\/ATB_Rechtsanwaelte_site-logo-beige.png","width":1572,"height":1110,"caption":"atb Rechtsanw\u00e4lte"},"image":{"@id":"https:\/\/atb.law\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/atb.law\/bs\/wp-json\/wp\/v2\/blog-post\/7305","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/atb.law\/bs\/wp-json\/wp\/v2\/blog-post"}],"about":[{"href":"https:\/\/atb.law\/bs\/wp-json\/wp\/v2\/types\/blog-post"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/atb.law\/bs\/wp-json\/wp\/v2\/media\/7312"}],"wp:attachment":[{"href":"https:\/\/atb.law\/bs\/wp-json\/wp\/v2\/media?parent=7305"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/atb.law\/bs\/wp-json\/wp\/v2\/categories?post=7305"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}