{"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\/hr\/blog-post\/finfluencer-und-tippgeber\/","title":{"rendered":"Influenceri i tipsteri"},"content":{"rendered":"
    \n
  1. \n

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

    Osnovni preduvjet za odgovornost koja proizlazi iz pogre\u0161nog savjeta jest, kao prvi korak, uvijek postojanje ugovora o savjetovanju ili obveze davanja savjeta. Prema utvr\u0111enoj sudskoj praksi, ugovor o investicijskom savjetovanju sklapa se vrlo lako, budu\u0107i da se takav ugovor mo\u017ee sklopiti i pre\u0161utno. Mo\u017eda je dovoljno da savjetnik ili finfluencer preporu\u010di odre\u0111eni proizvod koji nudi pru\u017eatelj financijskih usluga (potencijalnom) klijentu ili da da konkretne preporuke u vezi s iznosom ulaganja. Posjeduje li "savjetnik" zapravo potrebno osobno i stru\u010dno znanje ili ispunjava regulatorne zahtjeve, nije relevantno za odgovornost za \u0161tetu koja proizlazi iz pogre\u0161nog savjeta. Te se kvalitete, zapravo, uvijek pretpostavljaju u slu\u010daju pla\u0107enih savjetodavnih usluga. Slijedom toga, \u010dak i osoba koja nije ovla\u0161tena davati investicijske savjete mora se pridr\u017eavati relevantnog standarda du\u017ene pa\u017enje i pravila stru\u010dnog pona\u0161anja kada daje savjete na vlastitu inicijativu.<\/p>\n

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

    Poslovanje preporukama karakterizira \u010dinjenica da preporu\u010ditelj poduzetniku dostavlja kontaktne podatke zainteresiranih strana (tj. potencijalnih kupaca) i zauzvrat prima takozvanu 'proviziju za preporuku'. Preporu\u010ditelj poma\u017ee vlasnicima poduze\u0107a u stjecanju kupaca, a da pritom ne pru\u017ea nikakve savjetodavne ili posredni\u010dke usluge osim same preporuke kupaca. Ako preporu\u010ditelj, djeluju\u0107i na vlastitu inicijativu, pru\u017ei neto\u010dan ili nepotpun investicijski savjet, njegovo se postupanje mo\u017ee, prema nedavnoj sudskoj praksi Vrhovnog suda (OGH) u predmetu 17 Ob 8\/23k, pripisati pru\u017eatelju financijskih usluga prema \u010dlanku 1313a Austrijskog gra\u0111anskog zakonika (ABGB). Pru\u017eatelj financijskih usluga tada je izravno odgovoran o\u0161te\u0107enom klijentu ako savjetodavac<\/p>\n

      \n
    1. postupao je u interesu pru\u017eatelja financijskih usluga i<\/li>\n
    2. Njegovo postupanje ne izlazi izvan opsega du\u017enosti koje je savjetnik bio du\u017ean obavljati u ime pru\u017eatelja financijskih usluga u okviru ostvarivanja njegovih interesa.<\/li>\n<\/ol>\n

      Dakle, pru\u017eatelj financijskih usluga op\u0107enito je odgovoran za bilo kakav neto\u010dan savjet ili druge brokerske usluge koje je pru\u017eio savjetnik ako je u to vrijeme sam pru\u017eatelj financijskih usluga bio, barem u formalnom smislu, ovla\u0161ten pru\u017eati investicijske savjete ili brokerske usluge ulaganja. Naravno, preduvjet za odgovornost uvijek je da je neto\u010dan ili nepotpun investicijski savjet uop\u0107e i dan.<\/p>\n

      Odgovornost finfluencera<\/strong><\/h2>\n

      Pojam 'finfluencer' odnosi se na pojedince koji dijele sadr\u017eaj o financijskim temama putem dru\u0161tvenih mre\u017ea. Te teme uklju\u010duju savjete o strukturiranju osobnog financijskog planiranja, preporuke za ulaganja i informacije o makroekonomskim ili geopoliti\u010dkim doga\u0111ajima. Ima li finfluencer odgovaraju\u0107u formalnu naobrazbu ili kvalifikacije iz financija obi\u010dno nije o\u010dito prosje\u010dnom maloprodajnom ulaga\u010du.<\/p>\n

      Pru\u017eatelji financijskih usluga koji promoviraju svoje proizvode putem finfluencera na dru\u0161tvenim mre\u017eama ili drugim platformama riskiraju da \u0107e u budu\u0107nosti biti odgovorni za \u0161tetu koju su klijenti pretrpjeli. Ako finfluencer, osim objektivnog promoviranja investicijskog proizvoda, \u2013 \u010dak i ako djeluje po vlastitoj inicijativi \u2013 daje savjete koji uzimaju u obzir osobne i financijske okolnosti drugih osoba ili ciljanih skupina, to se, u slu\u010daju sumnje, mo\u017ee smatrati investicijskim savjetovanjem.<\/p>\n

      Iako pitanje treba li pru\u017eatelje financijskih usluga smatrati odgovornima za neprimjereno postupanje 'finfluencera' jo\u0161 nije bilo predmetom sudske prakse vrhovnog suda, ono se temelji na na\u010delima ve\u0107 utvr\u0111enima u odnosu na tipstere.<\/p>\n

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

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

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

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