Nieuczciwe praktyki rynkowe
Transkrypt
Nieuczciwe praktyki rynkowe
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`]a`Gb&B(*,(-!$43&b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c8&4'L& 2*(+4#+%&*#$+')!&)2*')(".( 86!&)&:78"=& (5*!>#)$!&2*(+4#+%&*#$+')!&'*(.&>4'>')($%!&>2*.!6.$!5'&.&2*()!-&+'"!+>3& "':*#6C&2*(+4#+A B*(+4#+@&*#$+')8&3.$( !&>%@O.(&".%(7($%!& )2*')(".( 86!&)&:78"=& !D!,%&".%(7($%!&4'& )& (+%+',)%!+&>2'>?:&2')'"3 !&,3:&-'D!& 2')'"')(E&2'" @6%!&2*.!.&2*.!6%@4$!5'& +'$>3-!$4(&"!6#. %&"'4#6.86! &3-')#=& +4?*! &%$(6.! &:#&$%!&2'" 87AOH>4()(&)#-%!$%(&+%,+(&2*.#+7("')#6C&.(6C')(;=& +4?*!&2')%$$#&:#E&+)(,%N+')($!& (+'& 2*(+4#+(&*#$+')(&)2*')(".( 86(&)&:78"A& Y@"8&4'&-A%$AL *'.2')>.!6C$%($%!&$%!2*()".%)#6C& %$1'*-(6 %&W$2A&)&1'*-%!&*!+,(-#XQO *'.2')>.!6C$%($%!&2*()".%)#6C& %$1'*-(6 %&)&>2'>?:&-'586#&)2*')(".(E&)&:78"&W$2A&2'2*.!.&$%!2*!6#.# $!&2'"()($%!&%>4'4$#6C&6!6C& 9)%("6.!$%(&d&$2A&2'"()($%!&)& 2*.!+(.%!&*!+,(-')#-&%$1'*-(6 %=&D!& Piotr Czublun jest partnerem w Kancelarii Prawnej Czublun Trębicki, specjalizuje się m.in. w prawie ubezpieczeniowym i prawie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bardzo 0'& "#9"8-#62'0!):%0"#+% 8-2.%0' !"#627"+'7.# 2"+,'$%0"<%#627"7#.="76!"4734!",!>#G&4#-& +'$4!+96%!&)(*4'&2*.#2'-$%!E=&$%!6'& 3D& 2!)$%!&.(2'-$%($8=&36C)(7@&I'-%> %& J(".'*3&K%$($>')!5'&.&]&2(e".%!*$%+(& ][[f&*A&)&>2*()%!&.(>("&*!+,(-')($%(& 3>735&3:!.2%!6.!$%')#6CA&B*.# @4#&2*.!.& I'-%> @&.:%?*&.(>("&*!+,(-')($%(&3>735& 3:!.2%!6.!$%')#6C&.'>4(7&'2%>($#&)& .(786.$%+3&$*&]&"'&4! &36C)(7#A&IJK& .(>4*.!5(&6'&2*()"(=&D!&>8&4'& !"#$%!& '6.!+%)($%(&*!53,(4'*(&).5,@"!-&*#$+3& %O"'+3-!$4&$%!&-(&6C(*(+4!*3&)%8D86!5'=& (,!&)(*4'&-%!E&6C#:(&$(&3)(".!&4!&)#4#6.$!=&(:#&$%!&$(*(D(E&>%@&:!.&2'4*.!:#& $(&+'$g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e*?"7'&2*!.!$4')($#6C&%$1'*-(6 %A& @!"+-/2"#08+'7/0+!#A@B#=;)(#2'47"9#-2.) 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