No abstract

Directive 2007/64 on payment services (PSD 1) introduced protection for consumers of payment services. First and foremost, the consumer should receive the basic information required by law before and after the execution of a payment. Secondly, the consumer is made more familiar with the charges incurred when paying in shops, including online shops. Third, PSD 1 provided the protection of consumer rights in the event of unauthorised or incorrect charges to the consumer's payment account. Fourthly, within PSD 1 the market for payment systems was opened, thus allowing entities other than banks to provide payment services. In order to protect consumers' money, these new institutions have become subject to regulation (supervision). The European Union legislator, when establishing a new framework for the provision of payment services in the European Union (PSD 2), reached the conclusion that existing protection for the consumer-the payment service user, was insufficient. Therefore, new legal instruments protecting the consumer have been introduced. However, upon examination a conclusion has been reached that while some of the protections should be accepted, others warrant critical review.

The purpose of this article is to present the impact of guidelines contained in the UKNF’s Communication on Information Processing by Supervised Entities Using Public or Hybrid Cloud Computing Services in the context of insurance and reinsurance activities, including insurance mediation. The authors focus on selected issues, which in their opinion are particularly important from the point of view of insurance market operators

The purpose of this article is to present the key changes in the provisions of the Insurance and Reinsurance Activity Act related to the enactment of the act amending certain laws with a view to ensuring the application of the Regulation of the European Parliament and of the Council (EU) 2016/679 of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data and repealing Directive 95/46/EC. The authors concentrate on selected issues, which, in their opinion, are particularly important from the point of view of insurance undertakings in the context of the introduced changes.

Celem artykułu jest przedstawienie kluczowych zagadnień związanych z przetwarzaniem danych osobowych przez pośredników ubezpieczeniowych – kwestii wynikających z ogólnego rozporządzenia o ochronie danych (RODO) oraz z ustawy dostosowującej polskie regulacje do RODO (tzw. ustawy sektorowej). Kwestie ochrony danych osobowych przez pośredników ubezpieczeniowych sąniezmiernie ważne dla rynku. Niemniej ustawa o dystrybucji ubezpieczeń nie została zmieniona przez ustawę sektorową. Niniejszy artykuł stanowi asumpt do szerszej dyskusji naukowej dotyczącej zasadności wprowadzenia zmian wtym zakresie.