{"id":94,"date":"2021-07-08T21:32:01","date_gmt":"2021-07-08T19:32:01","guid":{"rendered":"http:\/\/www.liptovmagazin.eu\/domains\/liptovmagazin.eu\/wordpress\/?p=94"},"modified":"2021-07-08T21:32:01","modified_gmt":"2021-07-08T19:32:01","slug":"bojite-sa-platit-kreditnou-kartou-na-internete","status":"publish","type":"post","link":"https:\/\/www.liptovmagazin.eu\/domains\/liptovmagazin.eu\/wordpress\/2021\/07\/08\/bojite-sa-platit-kreditnou-kartou-na-internete\/","title":{"rendered":"Boj\u00edte sa plati\u0165 kreditnou kartou na internete?"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p><strong>Obchodn\u00edci by nemali bez s\u00fahlasu uklada\u0165 d\u00e1ta o platbe<\/strong><\/p>\n\n\n\n<p><strong><em>N\u00e1kup cez internet sa stal be\u017enou s\u00fa\u010das\u0165ou \u017eivotov slovensk\u00fdch spotrebite\u013eov rovnako, ako aj platba kreditnou kartou. Pri platbe kartou v&nbsp;online priestore ale prich\u00e1dza aj k&nbsp;v\u00fdmene d\u00e1t kupuj\u00faceho a&nbsp;obchodn\u00edka. \u010co v\u0161etko o&nbsp;v\u00e1s prezr\u00e1dza platba kreditnou kartou a&nbsp;ako svoje osobn\u00e9 \u00fadaje chr\u00e1ni\u0165? \u010ciasto\u010dn\u00fa odpove\u010f priniesol Eur\u00f3psky v\u00fdbor pre ochranu osobn\u00fdch \u00fadajov (EPDB), ktor\u00fd ned\u00e1vno vydal pre obchodn\u00edkov <\/em><\/strong><a href=\"https:\/\/edpb.europa.eu\/our-work-tools\/our-documents\/recommendations\/recommendations-022021-legal-basis-storage-credit-card_sk\"><strong><em>odpor\u00fa\u010dania k&nbsp;ukladaniu platobn\u00fdch \u00fadajov z&nbsp;kreditn\u00fdch kariet<\/em><\/strong><\/a><strong><em>.<\/em><\/strong><\/p>\n\n\n\n<p>Pri platbe kartou z\u00edskava obchodn\u00edk do\u010dasne inform\u00e1cie nevyhnutn\u00e9 pre samotn\u00fa transakciu, predov\u0161etk\u00fdm \u010d\u00edslo karty, d\u00e1tum vydania a&nbsp;meno dr\u017eite\u013ea. Ide o&nbsp;<strong>osobn\u00e9 \u00fadaje, ktor\u00e9 m\u00f4\u017ee bez v\u00fdslovn\u00e9ho s\u00fahlasu dr\u017eite\u013ea karty obchodn\u00edk pou\u017ei\u0165 len na vykonanie jednej konkr\u00e9tnej transakcie.<\/strong> D\u00f4le\u017eitos\u0165 z\u00edskan\u00fdch d\u00e1t si uvedomuje aj nez\u00e1visl\u00fd eur\u00f3psky org\u00e1n EPDB, ktor\u00fd v&nbsp;z\u00e1ujme ochrany osobn\u00fdch \u00fadajov v&nbsp;kr\u00e1tkom dokumente, zverejnil odpor\u00fa\u010dania pre obchodn\u00edkov k&nbsp;ukladaniu \u00fadajov z&nbsp;kreditn\u00fdch kariet. <a>Ak by obchodn\u00edk chcel pri online poskytovan\u00ed tovaru a&nbsp;slu\u017eieb d\u00e1ta z&nbsp;kreditnej karty uklada\u0165 <strong>za \u00fa\u010delom u\u013eah\u010denia \u010fal\u0161\u00edch n\u00e1kupov, m\u00f4\u017ee tak urobi\u0165 iba na pr\u00e1vnom z\u00e1klade s\u00fahlasu dr\u017eite\u013ea karty <\/strong><\/a><strong>pod\u013ea \u010dl. 6 ods. 1 p\u00edsm. a) GDPR.<\/strong> Tento <strong>s\u00fahlas mus\u00ed by\u0165 <a>v\u00fdslovn\u00fd, slobodn\u00fd, konkr\u00e9tny, informovan\u00fd a&nbsp;jednozna\u010dn\u00fd<\/a><\/strong>.<\/p>\n\n\n\n<p><a><em>\u201eJe ve\u013emi d\u00f4le\u017eit\u00e9, aby obchodn\u00edk vedel, pri pr\u00edpadnej kontrole, preuk\u00e1za\u0165, \u017ee s\u00fahlas bol udelen\u00fd na z\u00e1klade jasn\u00e9ho kladn\u00e9ho ozn\u00e1menia. <\/em><\/a><em>Obchodn\u00edk m\u00f4\u017ee od z\u00e1kazn\u00edka z\u00edska\u0165 s\u00fahlas <strong>napr\u00edklad prostredn\u00edctvom za\u0161krt\u00e1vacieho pol\u00ed\u010dka<\/strong>, ktor\u00e9 by v\u0161ak <strong>nemalo by\u0165 vopred za\u0161krtnut\u00e9, <\/strong>pri\u010dom z\u00edskan\u00fd s\u00fahlas by mal odkazova\u0165 na \u010fal\u0161ie, dopl\u0148uj\u00face inform\u00e1cie v&nbsp;r\u00e1mci tzv. privacy policy,\u201c <\/em>upozor\u0148uje odborn\u00edk na ochranu osobn\u00fdch \u00fadajov Jakub Berthoty z&nbsp;advok\u00e1tskej kancel\u00e1rie DAGITAL Legal.<em> \u201eS\u00fahlas je pod\u013ea V\u00fdboru zrejme potrebn\u00fd preto, lebo in\u00e9 pr\u00e1vne z\u00e1klady sa nedaj\u00fa pou\u017ei\u0165. Zapam\u00e4tanie si \u00fadajov o&nbsp;platobnej karte nie je toti\u017e nevyhnutn\u00e9 pre realiz\u00e1ciu obchodu. <a>S\u00fahlas k&nbsp;ukladaniu platobn\u00fdch \u00fadajov sa navy\u0161e mus\u00ed odli\u0161ova\u0165 od in\u00fdch s\u00fahlasov a <strong>nesmie by\u0165 podmienkou dokon\u010denia transakcie<\/strong>.<\/a> Netreba zab\u00fada\u0165 na mo\u017enos\u0165 odvola\u0165 s\u00fahlas, \u010do by malo znamena\u0165 vymazanie d\u00e1t ulo\u017een\u00fdch na z\u00e1klade s\u00fahlasu. Na proces, ktor\u00fd by mal nasledova\u0165 po odvolan\u00ed s\u00fahlasu je potrebn\u00e9 myslie\u0165 u\u017e pri v\u00fdvoji aplik\u00e1cie alebo webstr\u00e1nky.\u201c <\/em>dod\u00e1va Jakub Berthoty.<\/p>\n\n\n\n<p><strong>Ukladanie platobn\u00fdch \u00fadajov z&nbsp;kreditn\u00fdch kariet na u\u013eah\u010denie \u010fal\u0161ej transakcie nem\u00f4\u017ee by\u0165 pod\u013ea V\u00fdboru pova\u017eovan\u00e9 ani za opr\u00e1vnen\u00fd z\u00e1ujem<\/strong> v&nbsp;zmysle \u010dl. 6 ods. 1 p\u00edsm. f) GDPR, ke\u010f\u017ee <strong>nemo\u017eno jednozna\u010dne preuk\u00e1za\u0165, \u017ee by touto \u010dinnos\u0165ou obchodn\u00edk kupuj\u00facemu u\u013eah\u010doval \u010fal\u0161ie n\u00e1kupy.<\/strong> N\u00e1kup toti\u017e z\u00e1vis\u00ed od vo\u013eby spotrebite\u013ea a nie je ur\u010den\u00fd mo\u017enos\u0165ou zrealizova\u0165 ho \u201ejedn\u00fdm kliknut\u00edm\u201c. Z\u00e1rove\u0148 pod\u013ea usmernen\u00ed V\u00fdboru s\u00fa finan\u010dn\u00e9 \u00fadaje obzvl\u00e1\u0161\u0165 citliv\u00e9 osobn\u00e9 \u00fadaje a dotknut\u00e1 osoba, teda kupuj\u00faci, nem\u00f4\u017ee od\u00f4vodnene o\u010dak\u00e1va\u0165, \u017ee sa \u00fadaje o kreditnej karte bud\u00fa uchov\u00e1va\u0165 dlh\u0161ie ako po\u010das transakcie.<strong><br><\/strong><\/p>\n\n\n\n<p><strong>Uklada\u0165 inform\u00e1cie o&nbsp;karte m\u00f4\u017eu aj prehliada\u010de<\/strong><\/p>\n\n\n\n<p>Vo v\u00e4\u010d\u0161ine pr\u00edpadoch si v\u0161ak \u00fadaje o&nbsp;platobnej karte nepam\u00e4taj\u00fa webstr\u00e1nky obchodn\u00edkov ale opera\u010dn\u00e9 syst\u00e9my alebo prehliada\u010de, ak si ich u\u017e\u00edvate\u013e zvol\u00ed tak\u00fato mo\u017enos\u0165.&nbsp;<\/p>\n\n\n\n<p><em>\u201eOdpor\u00fa\u010dania sa v\u00fdslovne nevz\u0165ahuj\u00fa na opera\u010dn\u00e9 syst\u00e9my a\u00a0prehliada\u010de, ktor\u00e9 si tie\u017e m\u00f4\u017eu dan\u00e9 platobn\u00e9 \u00fadaje pam\u00e4ta\u0165. Tie ch\u00e1pu dan\u00e9 oper\u00e1cie ako svoju slu\u017ebu s\u00a0pridanou hodnotou, na ktorej pou\u017e\u00edvanie sa m\u00f4\u017eu vz\u0165ahova\u0165 osobitn\u00e9 zmluvn\u00e9 podmienky, ktor\u00e9 u\u017e\u00edvate\u013e akceptuje. V\u00a0t\u00fdchto pr\u00edpadoch nemus\u00ed by\u0165 s\u00fahlas jedinou mo\u017enos\u0165 a\u00a0za ur\u010dit\u00fdch okolnost\u00ed je mo\u017en\u00e9 rozm\u00fd\u0161\u013ea\u0165 aj o\u00a0plnen\u00ed zmluvy. Odpor\u00fa\u010dania v\u0161ak potvrdzuj\u00fa, \u017ee platobn\u00e9 \u00fadaje s\u00edce nepatria medzi tzv. osobitn\u00e9 kateg\u00f3rie osobn\u00fdch \u00fadajov (ktor\u00e9 naz\u00fdvame citliv\u00e9), ale v\u00a0praxi sa k\u00a0nim pristupuje ve\u013emi obozretne. Z\u00a0m\u00f4jho poh\u013eadu ide o\u00a0ove\u013ea citlivej\u0161ie \u00fadaje ako s\u00fa vymenovan\u00e9 v\u00a0<\/em><a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/SK\/TXT\/HTML\/?uri=CELEX:32016R0679&amp;from=sk#d1e2043-1-1\"><em>\u010dl. 9 GDPR<\/em><\/a><em>.\u201c <\/em>dod\u00e1va advok\u00e1t Jakub Berthoty.<\/p>\n\n\n\n<p>(red)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Obchodn\u00edci by nemali bez s\u00fahlasu uklada\u0165 d\u00e1ta o platbe N\u00e1kup cez internet sa stal be\u017enou s\u00fa\u010das\u0165ou \u017eivotov slovensk\u00fdch spotrebite\u013eov rovnako, ako aj platba kreditnou kartou. Pri platbe kartou v&nbsp;online priestore ale prich\u00e1dza aj k&nbsp;v\u00fdmene d\u00e1t kupuj\u00faceho a&nbsp;obchodn\u00edka. \u010co v\u0161etko o&nbsp;v\u00e1s prezr\u00e1dza platba kreditnou kartou a&nbsp;ako svoje osobn\u00e9 \u00fadaje chr\u00e1ni\u0165? \u010ciasto\u010dn\u00fa odpove\u010f priniesol Eur\u00f3psky v\u00fdbor pre [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":96,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-94","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomika"],"_links":{"self":[{"href":"https:\/\/www.liptovmagazin.eu\/domains\/liptovmagazin.eu\/wordpress\/wp-json\/wp\/v2\/posts\/94","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.liptovmagazin.eu\/domains\/liptovmagazin.eu\/wordpress\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.liptovmagazin.eu\/domains\/liptovmagazin.eu\/wordpress\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.liptovmagazin.eu\/domains\/liptovmagazin.eu\/wordpress\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.liptovmagazin.eu\/domains\/liptovmagazin.eu\/wordpress\/wp-json\/wp\/v2\/comments?post=94"}],"version-history":[{"count":1,"href":"https:\/\/www.liptovmagazin.eu\/domains\/liptovmagazin.eu\/wordpress\/wp-json\/wp\/v2\/posts\/94\/revisions"}],"predecessor-version":[{"id":97,"href":"https:\/\/www.liptovmagazin.eu\/domains\/liptovmagazin.eu\/wordpress\/wp-json\/wp\/v2\/posts\/94\/revisions\/97"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.liptovmagazin.eu\/domains\/liptovmagazin.eu\/wordpress\/wp-json\/wp\/v2\/media\/96"}],"wp:attachment":[{"href":"https:\/\/www.liptovmagazin.eu\/domains\/liptovmagazin.eu\/wordpress\/wp-json\/wp\/v2\/media?parent=94"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.liptovmagazin.eu\/domains\/liptovmagazin.eu\/wordpress\/wp-json\/wp\/v2\/categories?post=94"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.liptovmagazin.eu\/domains\/liptovmagazin.eu\/wordpress\/wp-json\/wp\/v2\/tags?post=94"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}