{"id":16860,"date":"2020-08-06T08:45:53","date_gmt":"2020-08-06T08:45:53","guid":{"rendered":"http:\/\/triniti.eu\/insights\/arvepettused-ja-kuidas-nendega-toime-tulla\/"},"modified":"2026-04-15T13:39:32","modified_gmt":"2026-04-15T13:39:32","slug":"arvepettused-ja-kuidas-nendega-toime-tulla","status":"publish","type":"insights","link":"https:\/\/triniti.1kdigital.com\/et\/insights\/arvepettused-ja-kuidas-nendega-toime-tulla\/","title":{"rendered":"Arvepettused ja kuidas nendega toime tulla"},"content":{"rendered":"\n<span style=\"color: #008cc8;\"><a style=\"color: #008cc8;\" href=\"https:\/\/triniti.ee\/meeskond\/sten-veidebaum\/\"><b>Sten Veidebaum<\/b><\/a><b>,\u00a0<\/b><a style=\"color: #008cc8;\" href=\"https:\/\/triniti.ee\/meeskond\/peeter-p-motskula\/\"><b>Peeter P. M\u00f5tsk\u00fcla<\/b><\/a>\u00a0<\/span>\n\n<b><span data-contrast=\"auto\">Riigi Infos\u00fcsteemi Amet<\/span><\/b><b><span data-contrast=\"auto\">i<\/span><\/b><b><span data-contrast=\"auto\">\u00a0mulluses<\/span><\/b><b><span data-contrast=\"auto\">t<\/span><\/b><b><span data-contrast=\"auto\">\u00a0<\/span><\/b><span style=\"color: #008cc8;\"><a style=\"color: #008cc8;\" href=\"https:\/\/www.ria.ee\/sites\/default\/files\/content-editors\/kuberturve\/kuberturvalisus-2019.pdf\"><b>k\u00fcberturvalisuse \u00fclevaates<\/b><b>t<\/b><\/a><\/span><b><span data-contrast=\"auto\"> selgub, et 2018. aastal kirjutasid k\u00fcmned Eesti ettev\u00f5tjad arvepettuste t\u00f5ttu korstnasse kokku sadu tuhandeid eurosid. Kuna k\u00fcberkaakide ind pole t\u00e4naseni raugenud, tuleb k\u00f5igil ettev\u00f5tjail s\u00e4\u00e4raste r\u00fcnnete ohuga arvestada ning end nende vastu kaitsta. <\/span><\/b><!--more-->\n<h5><a href=\"https:\/\/triniti.ee\/wp-content\/uploads\/sites\/2\/2020\/08\/papers-3819540_960_720.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11678\" src=\"https:\/\/triniti.ee\/wp-content\/uploads\/sites\/2\/2020\/08\/papers-3819540_960_720.jpg\" alt=\" width=\"960\" height=\"621\" \/><\/a><\/h5>\n<h5><b><span data-contrast=\"auto\">Arvepettus<\/span><\/b><b><span data-contrast=\"auto\">\u00a0\u2013 mis ja kuidas?<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:240,&quot;335559991&quot;:709}\">\u00a0<\/span><\/h5>\nArvepettus on kuritegu, mille puhul saadab kauba m\u00fc\u00fcjana v\u00f5i teenusepakkujana esinev kurjategija ostjale v\u00f5ltsitud arve v\u00f5i maksejuhised, mille alusel makstav raha j\u00f5uab mitte ostja tegeliku \u00e4ripartneri, vaid hoopis kurjategija kontole.\n\n<span data-contrast=\"auto\">Selleks hangib kurjategija esmalt ebaseadusliku juurdep\u00e4\u00e4su m\u00fc\u00fcja ja<\/span><span data-contrast=\"auto\">\/v\u00f5i<\/span><span data-contrast=\"auto\">\u00a0ostja e-postkastile ning j\u00e4lgib\u00a0<\/span><span data-contrast=\"auto\">vaikselt nendevahelist kirjavahetust. Kui n\u00fc\u00fcd m\u00fc\u00fcja saadab ostjale arve,\u00a0<\/span><span data-contrast=\"auto\">kurjategija akti<\/span><span data-contrast=\"auto\">veerub ja\u00a0<\/span><span data-contrast=\"auto\">tegutse<\/span><span data-contrast=\"auto\">b\u00a0<\/span><span data-contrast=\"auto\">vastavalt\u00a0<\/span><span data-contrast=\"auto\">sellele, kelle postkasti<\/span><span data-contrast=\"auto\">\u00a0ta sisse p\u00e4\u00e4ses<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\n<ul class=\"type4\">\n \t<li><span data-contrast=\"auto\">Kui kurjategijal on\u00a0<\/span><b><span data-contrast=\"auto\">juurdep\u00e4\u00e4s ostja postkastile<\/span><\/b><span data-contrast=\"auto\">, v\u00f5tab ta sealt saadud arve<\/span><span data-contrast=\"auto\">, muudab selles \u00e4ra m\u00fc\u00fcja pangarekvisiidid,\u00a0<\/span><span data-contrast=\"auto\">kustutab \u00e4ra\u00a0<\/span><span data-contrast=\"auto\">originaalarvet\u00a0<\/span><span data-contrast=\"auto\">sisaldanud kirja ja saadab ostjale selleks loodud libakontolt (nt\u00a0<\/span><span data-contrast=\"auto\">myygi.esindaja@eestifirma-ee.com<\/span><span data-contrast=\"auto\">) uue kirja koos muudetud arve ja\u00a0<\/span><span data-contrast=\"auto\">v\u00e4ljam\u00f5eldud selgitusega,\u00a0<\/span><span data-contrast=\"auto\">selle kohta, miks\u00a0<\/span><span data-contrast=\"auto\">tuleb makse teha teisele kontole (ja m\u00f5nikord ka teisele saajale). Kuna SEPA maksete puhul kontrollivad pangad ainult kontonumbri (IBAN) korrektsust,\u00a0<\/span><span data-contrast=\"auto\">ei ole saaja nime muutmine alati isegi vajalik.<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">Libakir<\/span><span data-contrast=\"auto\">i<\/span><span data-contrast=\"auto\">\u00a0ja\u00a0<\/span><span data-contrast=\"auto\">arve\u00a0<\/span><span data-contrast=\"auto\">n\u00e4evad s\u00f5ltuvalt kurjategija hoolikusest v\u00e4lja\u00a0<\/span><span data-contrast=\"auto\">\u00fcsna\u00a0<\/span><span data-contrast=\"auto\">\u00f5igete sarnased\u00a0<\/span><span data-contrast=\"auto\">ning\u00a0<\/span><span data-contrast=\"auto\">ainus n\u00e4htav erinevus on saatja\u00a0<\/span><span data-contrast=\"auto\">meili<\/span><span data-contrast=\"auto\">aadress<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n \t<li><span data-contrast=\"auto\">Kui kurjategijal on\u00a0<\/span><b><span data-contrast=\"auto\">juurdep\u00e4\u00e4s m\u00fc\u00fcja postkastile<\/span><\/b><span data-contrast=\"auto\">,\u00a0<\/span><span data-contrast=\"auto\">v\u00f5tab ta\u00a0<\/span><span data-contrast=\"auto\">sealt\u00a0<\/span><span data-contrast=\"auto\">saadetud arve,<\/span><span data-contrast=\"auto\">\u00a0muudab \u00e4ra m\u00fc\u00fcja pangarekvisiidid ja saadab selle\u00a0<\/span><span data-contrast=\"auto\">ostjale\u00a0<\/span><span data-contrast=\"auto\">koos selgitusega<\/span><span data-contrast=\"auto\">, mis v\u00f5ib sisaldada ka palvet eelmist arvet ignoreerida, kuna see oli \u201eekslikult\u201c tehtud vanade rekvisiitidega.\u00a0<\/span><span data-contrast=\"auto\">P\u00e4rast\u00a0<\/span><span data-contrast=\"auto\">v\u00f5lts-arve \u00e4rasaatmist kustutab kurjategija seda sisaldanud libakirja m\u00fc\u00fcja saadetud kirjade kaustast.<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">S<\/span><span data-contrast=\"auto\">elli<\/span><span data-contrast=\"auto\">sel<\/span><span data-contrast=\"auto\">\u00a0libakir<\/span><span data-contrast=\"auto\">jal on lisaks\u00a0<\/span><span data-contrast=\"auto\">\u00f5igele v\u00e4ljan\u00e4gemisele ka \u00f5ige saatja aadress<\/span><span data-contrast=\"auto\">, mist\u00f5ttu\u00a0<\/span><span data-contrast=\"auto\">p<\/span><span data-contrast=\"auto\">ole<\/span><span data-contrast=\"auto\">gi<\/span><span data-contrast=\"auto\">\u00a0ostjal v\u00f5imalik\u00a0<\/span><span data-contrast=\"auto\">pelgalt\u00a0<\/span><span data-contrast=\"auto\">kirja<\/span><span data-contrast=\"auto\">\u00a0uurides\u00a0<\/span><span data-contrast=\"auto\">v\u00f5ltsingut tuvastada.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<span data-contrast=\"auto\">Kui ostja l\u00e4heb \u00f5nge, kannab ta raha kurjategija m\u00e4\u00e4ratud kontole<\/span><span data-contrast=\"auto\">, mis\u00a0<\/span><span data-contrast=\"auto\">v\u00f5ib\u00a0<\/span><span data-contrast=\"auto\">sageli\u00a0<\/span><span data-contrast=\"auto\">olla\u00a0<\/span><span data-contrast=\"auto\">avatud pangas, mis ei asu ei ostja ega m\u00fc\u00fcja\u00a0<\/span><span data-contrast=\"auto\">koduriigis<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">\u2014<\/span><span data-contrast=\"auto\">\u00a0ikka selleks, et kurjategijal oleks lihtsam\u00a0<\/span><span data-contrast=\"auto\">koos rahaga\u00a0<\/span><span data-contrast=\"auto\">kaduda<\/span><span data-contrast=\"auto\">\u00a0ja j\u00e4ljed kustutada<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\n\n<span data-contrast=\"auto\">J\u00e4ttes\u00a0<\/span><span data-contrast=\"auto\">k\u00f5rvale\u00a0<\/span><span data-contrast=\"auto\">kriminaal\u00f5igusliku<\/span><span data-contrast=\"auto\">d<\/span><span data-contrast=\"auto\">\u00a0aspekti<\/span><span data-contrast=\"auto\">d<\/span><span data-contrast=\"auto\">, on\u00a0<\/span><span data-contrast=\"auto\">\u00f5<\/span><span data-contrast=\"auto\">nnestu<\/span><span data-contrast=\"auto\">nu<\/span><span data-contrast=\"auto\">d arvepettuse tagaj\u00e4rjed <\/span><span data-contrast=\"auto\">pehmelt<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">\u00f6eldes<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">ebamugavad\u00a0<\/span><span data-contrast=\"auto\">nii v\u00f5lgnikule kui ka v\u00f5lausaldajale.<\/span><span data-contrast=\"auto\">\u00a0Vaatame neid allpool lihtsuse m\u00f5ttes nii m\u00fc\u00fcja\u00a0<\/span><span data-contrast=\"auto\">(v\u00f5lausaldaja)\u00a0<\/span><span data-contrast=\"auto\">kui ostja\u00a0<\/span><span data-contrast=\"auto\">(v\u00f5lgnik)\u00a0<\/span><span data-contrast=\"auto\">vaatevinklist<\/span><span data-contrast=\"auto\">\u00a0ja eeldame t\u00fc\u00fcpolukorda, kus\u00a0<\/span><span data-contrast=\"auto\">ostja kohustu<\/span><span data-contrast=\"auto\">s tasuda\u00a0<\/span><span data-contrast=\"auto\">tehingu<\/span><span data-contrast=\"auto\">j\u00e4rgne makse on muutunud sissen\u00f5utavaks\u00a0<\/span><span data-contrast=\"auto\">ja tuleb tasuda\u00a0<\/span><span data-contrast=\"auto\">\u201evastavalt m\u00fc\u00fcja poolt esitatud arvetele.\u201c<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\n<h5><b><span data-contrast=\"auto\">M\u00fc\u00fcja<\/span><\/b><b><span data-contrast=\"auto\">\u00a0olukord\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:240,&quot;335559991&quot;:709}\">\u00a0<\/span><\/h5>\n<span data-contrast=\"auto\">Kui o<\/span><span data-contrast=\"auto\">s<\/span><span data-contrast=\"auto\">tja teeb v\u00f5ltsitud arve alusel makse kellegi kolmanda\u00a0<\/span><span data-contrast=\"auto\">kontole, pole m<\/span><span data-contrast=\"auto\">\u00fc\u00fcja v<\/span><span data-contrast=\"auto\">\u00f5lausaldaja<\/span><span data-contrast=\"auto\">na<\/span><span data-contrast=\"auto\">\u00a0oma\u00a0<\/span><span data-contrast=\"auto\">raha saanud<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">T<\/span><span data-contrast=\"auto\">ema vaatevinklist on\u00a0<\/span><span data-contrast=\"auto\">ostja<\/span><span data-contrast=\"auto\">\u00a0ikka veel v\u00f5lgu<\/span><span data-contrast=\"auto\">, rikkudes sellega\u00a0<\/span><span data-contrast=\"auto\">oma lepinguj\u00e4rgset maksekohustust.\u00a0<\/span><span data-contrast=\"auto\">Seega on\u00a0<\/span><span data-contrast=\"auto\">m\u00fc\u00fcja<\/span><span data-contrast=\"auto\">\u00a0sundsituatsioonis, kus ta peab tegema pingutusi\u00a0<\/span><span data-contrast=\"auto\">v\u00f5la sissen\u00f5udmisek<\/span><span data-contrast=\"auto\">s ning\u00a0<\/span><span data-contrast=\"auto\">maksekohustuse rikkumisega tekkinud kahju h\u00fcvitamiseks<\/span><span data-contrast=\"auto\">.\u00a0<\/span><span data-contrast=\"auto\">Esmalt n\u00f5uab ta seda muid<\/span><span data-contrast=\"auto\">u<\/span><span data-contrast=\"auto\">gi ostjalt, kuid\u00a0<\/span><span data-contrast=\"auto\">ostja\u00a0<\/span><span data-contrast=\"auto\">vastuv\u00e4idete korral\u00a0<\/span><span data-contrast=\"auto\">tuleb\u00a0<\/span><span data-contrast=\"auto\">selleks\u00a0<\/span><span data-contrast=\"auto\">v\u00f5ibolla\u00a0<\/span><span data-contrast=\"auto\">p\u00f6\u00f6rduda\u00a0<\/span><span data-contrast=\"auto\">ostja<\/span><span data-contrast=\"auto\">\u00a0asukohariigi kohtusse v\u00f5i\u00a0<\/span><span data-contrast=\"auto\">kokkulepitud vahekohtusse.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\n\nKui p\u00f5hikohustuse ehk v\u00f5lgnetava rahasumma n\u00f5ude sissen\u00f5utavuse osas pigem \u00f5iguslikke probleeme ei t\u00f5usetu, siis m\u00fc\u00fcja k\u00f5rvaln\u00f5uete (viivis, leppetrahv, kahju) osas tuleb silmas pidada, et need on sissen\u00f5utavad \u00fcksnes ulatuses, milles ostja p\u00f5hikohustuse rikkumise eest lepingu v\u00f5i seaduse kohaselt vastutab, eelk\u00f5ige kui tegemist on ostja s\u00fc\u00fcga (vt allpool). Lisaks viivistele, leppetrahvile ja kahjun\u00f5udele on seega vaieldav ka muude \u00f5iguskaitsevahendite rakendamise lubatavus. N\u00e4iteks juhul, kui lepingus n\u00e4hakse ette ostja s\u00fc\u00fcline vastutus oma kohustuste rikkumise eest, on vaieldav, kas m\u00fc\u00fcjal on arvepettuse korral \u00f5igus rakendada lepingus maksekohustuse rikkumisega seotud tagaj\u00e4rgi (intressimuudatus, oma kohustuste t\u00e4itmisest keeldumine, tagatise realiseerimine vm).\n\n<span data-contrast=\"auto\">V\u00f5lgniku\u00a0<\/span><span data-contrast=\"auto\">vastutuse ulatuse puhul m\u00e4ngib rolli ka asjaolu, kas\u00a0<\/span><span data-contrast=\"auto\">arvepettus sai v\u00f5imalikuks v\u00f5lausaldaja enda\u00a0<\/span><span data-contrast=\"auto\">hoolsuskohustuse\u00a0<\/span><span data-contrast=\"auto\">rikkumise\u00a0<\/span><span data-contrast=\"auto\">t\u00f5ttu (nt\u00a0<\/span><span data-contrast=\"auto\">eirab\u00a0<\/span><span data-contrast=\"auto\">m\u00fc\u00fcja<\/span><span data-contrast=\"auto\">\u00a0elementaarseid IT-turvan\u00f5udeid<\/span><span data-contrast=\"auto\">, mist\u00f5ttu arve\u00a0<\/span><span data-contrast=\"auto\">v\u00f5ltsiti\u00a0<\/span><span data-contrast=\"auto\">juba\u00a0<\/span><span data-contrast=\"auto\">m\u00fc\u00fcja postkastis<\/span><span data-contrast=\"auto\">).<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">Esimene k<\/span><span data-contrast=\"auto\">ontrollk\u00fcsimus v\u00f5iks\u00a0<\/span><span data-contrast=\"auto\">seega\u00a0<\/span><span data-contrast=\"auto\">olla, kas\u00a0<\/span><span data-contrast=\"auto\">ostja on\u00a0<\/span><b><span data-contrast=\"auto\">m\u00fc\u00fcja<\/span><\/b><b><span data-contrast=\"auto\">lt<\/span><\/b><span data-contrast=\"auto\">\u00a0\u00fcldse arve\u00a0<\/span><span data-contrast=\"auto\">saanudki?\u00a0<\/span><span data-contrast=\"auto\">Kui m\u00fc\u00fcja polegi ostjale arvet esitanud\u00a0<\/span><span data-contrast=\"auto\">(seda tegi keegi teine)\u00a0<\/span><span data-contrast=\"auto\">v\u00f5i ostja seda k\u00e4tte saanud<\/span><span data-contrast=\"auto\">\u00a0(ostja sai k\u00e4tte liba-arve)<\/span><span data-contrast=\"auto\">,\u00a0<\/span><span data-contrast=\"auto\">siis kas\u00a0<\/span><span data-contrast=\"auto\">k\u00fcsimus<\/span><span data-contrast=\"auto\">t<\/span><span data-contrast=\"auto\">\u00a0ostja\u00a0<\/span><span data-contrast=\"auto\">vastutusest<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">saabki tekkida?<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\n<h5><b><span data-contrast=\"auto\">Ostja<\/span><\/b><b><span data-contrast=\"auto\">\u00a0olukord\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:240,&quot;335559991&quot;:709}\">\u00a0<\/span><\/h5>\n<span data-contrast=\"auto\">Ostja<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">on arvepettuse tagaj\u00e4rjel\u00a0<\/span><span data-contrast=\"auto\">olukorras, kus ta rikub oma maksekohustust\u00a0<\/span><span data-contrast=\"auto\">m\u00fc\u00fcja ees<\/span><span data-contrast=\"auto\">.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\n\n<span data-contrast=\"auto\">V\u00d5S \u00a7<\/span><span data-contrast=\"auto\">-de<\/span><span data-contrast=\"auto\">\u00a076-<\/span><span data-contrast=\"auto\">77<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">ja 79\u00a0<\/span><span data-contrast=\"auto\">ko<\/span><span data-contrast=\"auto\">haselt\u00a0<\/span><span data-contrast=\"auto\">tuleb kohu<\/span><span data-contrast=\"auto\">s<\/span><span data-contrast=\"auto\">tus t\u00e4ita vastavalt lepingule v\u00f5i seadusele, l\u00e4htudes hea usu\u00a0<\/span><span data-contrast=\"auto\">ja m\u00f5istlikkuse\u00a0<\/span><span data-contrast=\"auto\">p\u00f5him\u00f5ttest<\/span><span data-contrast=\"auto\">, arvestades tava ja praktikat ning \u00f5igele isikule, \u00f5igel ajal<\/span><span data-contrast=\"auto\">, \u00f5iges kohas<\/span><span data-contrast=\"auto\">, \u00f5igel viisil ja \u00f5ige kvaliteediga. Rahasumma\u00a0<\/span><span data-contrast=\"auto\">maksmisel libaarvel m\u00e4rgitud\u00a0<\/span><span data-contrast=\"auto\">(<\/span><span data-contrast=\"auto\">petturi<\/span><span data-contrast=\"auto\">)<\/span><span data-contrast=\"auto\">kontole ei ole neist n\u00f5uetest \u00fckski t\u00e4idetud<\/span><span data-contrast=\"auto\">, sest v\u00f5lausaldaja<\/span><span data-contrast=\"auto\">st m\u00fc\u00fcja<\/span><span data-contrast=\"auto\">\u00a0pole\u00a0<\/span><span data-contrast=\"auto\">makset\u00a0<\/span><span data-contrast=\"auto\">ju saanud. J\u00e4relikult\u00a0<\/span><span data-contrast=\"auto\">on\u00a0<\/span><span data-contrast=\"auto\">ostja<\/span><span data-contrast=\"auto\">\u00a0oma maksekohustust rikkunud ja\u00a0<\/span><span data-contrast=\"auto\">m\u00fc\u00fcja<\/span><span data-contrast=\"auto\">\u00a0v\u00f5ib asuda v\u00f5lga\u00a0<\/span><span data-contrast=\"auto\">sisse<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">n\u00f5udma<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">(V\u00d5S \u00a7\u202f108) ning kasuta<\/span><span data-contrast=\"auto\">ma<\/span><span data-contrast=\"auto\">\u00a0muid\u00a0<\/span><span data-contrast=\"auto\">kohustuse rikkumise puhuks kokkulepitud v\u00f5i seadusest tulenevaid \u00f5iguskaitsevahendeid (nt viivis, leppetrahv,\u00a0<\/span><span data-contrast=\"auto\">lepingust taganemine v\u00f5i selle \u00fcles\u00fctlemine,\u00a0<\/span><span data-contrast=\"auto\">kahju h\u00fcvita<\/span><span data-contrast=\"auto\">m<\/span><span data-contrast=\"auto\">ine,\u00a0<\/span><span data-contrast=\"auto\">tagatiste realiseerimine)<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\n\n<span data-contrast=\"auto\">Ostja<\/span><span data-contrast=\"auto\">\u00a0vaatevinklist\u00a0<\/span><span data-contrast=\"auto\">omab\u00a0<\/span><span data-contrast=\"auto\">t\u00e4htsust see, kas\u00a0<\/span><span data-contrast=\"auto\">rikkumine (rahasumma maksmisega hilinemine) on vabandatav<\/span><span data-contrast=\"auto\">,\u00a0<\/span><span data-contrast=\"auto\">kas<\/span><span data-contrast=\"auto\">\u00a0ta vastutab rikkumise eest s\u00fc\u00fcliselt v\u00f5i\u00a0<\/span><span data-contrast=\"auto\">s\u00fc\u00fcst s\u00f5ltumata<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">ning milliseid seadusest v\u00f5i lepingust tulenevaid\u00a0<\/span><span data-contrast=\"auto\">\u00f5iguskaitsevahendeid on m\u00fc\u00fcjal \u00f5igus rakendada.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\n\n<span data-contrast=\"auto\">Rikkumi<\/span><span data-contrast=\"auto\">ne on \u00fcldjuhul vabandatav \u00fcksnes v\u00e4\u00e4ramatu\u00a0<\/span><span data-contrast=\"auto\">j\u00f5u\u00a0<\/span><span data-contrast=\"auto\">esinemise korral<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">Kas\u00a0<\/span><span data-contrast=\"auto\">a<\/span><span data-contrast=\"auto\">rvepettus peaks olema selline asjaolu, mida v\u00f5lgnik\u00a0<\/span><span data-contrast=\"auto\">ei saanud m\u00f5jutada<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">ega<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">m\u00f5istlikult\u00a0<\/span><span data-contrast=\"auto\">tekkimise (lepingu s\u00f5lmimise) ajal arvesta<\/span><span data-contrast=\"auto\">da (ette n\u00e4ha)?<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\n\n<span data-contrast=\"auto\">Ostja s\u00fc\u00fc\u00a0<\/span><span data-contrast=\"auto\">v\u00f5ib seisneda<\/span><span data-contrast=\"auto\">\u00a0tahtl<\/span><span data-contrast=\"auto\">uses (so osalemine pettuses)<\/span><span data-contrast=\"auto\">, hooletuses<\/span><span data-contrast=\"auto\">\u00a0(ei j\u00e4rgi k\u00e4ibes vajalikku hoolt)\u00a0<\/span><span data-contrast=\"auto\">v\u00f5i raskes hooletuses (<\/span><span data-contrast=\"auto\">k\u00e4ibes\u00a0 vajaliku hoole\u00a0<\/span><span data-contrast=\"auto\">olulisel m\u00e4\u00e4ral j\u00e4rgimata j\u00e4tmine).\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\n\n<span data-contrast=\"auto\">Arvepettuse korral on m\u00f5lemad k\u00fcsimused hinnangulised. Vastused neile s\u00f5ltuvad pettuse t\u00e4psematest asjaoludest (kus toimus arve v\u00f5ltsimine, kas turvan\u00f5uded olid kehtestatud ja kas neid t\u00e4ideti, kas j\u00e4rgiti mingit kontrollis\u00fcsteemi, kas v\u00f5ltsimise p\u00f5hjustas m\u00fc\u00fcja-poolne hooletus, milline oli poolte vaheline tavaline arveldus-ja suhtluspraktika jm) ning m\u00f5jutavad eelk\u00f5ige ostja vastutust k\u00f5rvaln\u00f5uete eest. Vastavate asjaolude t\u00f5endamiskoormis lasub ostjal. Ennek\u00f5ike peab ostja t\u00f5endama, et ta ei teadnud ega pidanudki teada, et arve pole m\u00fc\u00fcjalt v\u00f5i et sellel on vale konto.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\n<h5><b><span data-contrast=\"auto\">Kuidas ennetada<\/span><\/b><b><span data-contrast=\"auto\">?<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:240,&quot;335559991&quot;:709}\">\u00a0<\/span><\/h5>\n<span data-contrast=\"auto\">Kelmid on\u00a0<\/span><span data-contrast=\"auto\">\u00fcldiselt\u00a0<\/span><span data-contrast=\"auto\">korralikest inimestest ala<\/span><span data-contrast=\"auto\">ti sammu v\u00f5rra ees ja seet\u00f5ttu pole\u00a0<\/span><span data-contrast=\"auto\">nende\u00a0<\/span><span data-contrast=\"auto\">ohvriks langemist\u00a0<\/span><span data-contrast=\"auto\">v\u00f5imalik\u00a0<\/span><span data-contrast=\"auto\">t\u00e4ielikult\u00a0<\/span><span data-contrast=\"auto\">v\u00e4listada. K\u00fcll aga tasub\u00a0<\/span><span data-contrast=\"auto\">tunnistada, et arvepettused on reaalsed ja levinud\u00a0<\/span><span data-contrast=\"auto\">ning\u00a0<\/span><span data-contrast=\"auto\">rakendada ennetavaid meetmeid, et nende tagaj\u00e4rgi leevendada<\/span><span data-contrast=\"auto\">:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\n<ul class=\"type4\">\n \t<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"48\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">IT-<\/span><\/b><b><span data-contrast=\"auto\">t<\/span><\/b><b><span data-contrast=\"auto\">urvameetmed<\/span><\/b><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">\u2014<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">ennek\u00f5ike tuleks rakendada\u00a0<\/span><span data-contrast=\"auto\">oma\u00a0<\/span><span data-contrast=\"auto\">e-posti serveri<\/span><span data-contrast=\"auto\">s\u00a0<\/span><span data-contrast=\"auto\">elementaarsed turvameetmed<\/span><span data-contrast=\"auto\">\u00a0(n\u00e4iteks kaheastmeline autentimine)<\/span><span data-contrast=\"auto\">, et kelmid ei p\u00e4\u00e4seks\u00a0<\/span><span data-contrast=\"auto\">v\u00e4ljuvaid v\u00f5i saabuvaid\u00a0<\/span><span data-contrast=\"auto\">s\u00f5numeid v\u00f5ltsima<\/span><span data-contrast=\"auto\">;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n \t<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"48\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">m<\/span><\/b><b><span data-contrast=\"auto\">aksete<\/span><\/b><b><span data-contrast=\"auto\">\u00a0eelk<\/span><\/b><b><span data-contrast=\"auto\">ontroll<\/span><\/b><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">\u2014<\/span><span data-contrast=\"auto\"> ilmselt lihtsaim viis arvepettust v\u00e4ltida on v\u00f5lausaldajalt arve andmed \u00fcle kontrollida. Maksete suure hulga korral on see muidugi koormav, seet\u00f5ttu s\u00f5ltub jooksva kontrolli tihedus ja korraldus ettev\u00f5tja riskiisust ja organisatsioonilisest v\u00f5imekusest; <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n \t<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"48\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">kokkulepe\u00a0<\/span><\/b><b><span data-contrast=\"auto\">m<\/span><\/b><b><span data-contrast=\"auto\">aksetingimu<\/span><\/b><b><span data-contrast=\"auto\">ste\u00a0<\/span><\/b><b><span data-contrast=\"auto\">ja -protseduuride kohta<\/span><\/b><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">\u2013<\/span><span data-contrast=\"auto\"> pooltel on v\u00f5imalik lepingu tingimustes arvepettuse v\u00f5imalusega arvestada ja leppida vastastikku kokku m\u00f5istlik ja m\u00f5lema poole huve arvestav viis selliste situatsioonide lahendamiseks \u2013 ennek\u00f5ike on maksja huvides v\u00e4listada olukord, kus valearve kohaselt makse tegemisele j\u00e4rgneks ka vastutus k\u00f5igi teiste lepingu rikkumisest tulenevate kohustuste eest. Sel viisil on v\u00f5imalik v\u00e4hendada muutliku kohtupraktika v\u00f5imalikku m\u00f5ju vaidlussituatsioonis \u2013 n\u00e4gime \u00fclal, et arvepettuse olukorras on poole olukord suuresti s\u00f5ltuv t\u00f5enditest ja kohtu hinnangust. Seejuures tuleb m\u00f5elda ka lepingule kohalduvale \u00f5igusele \u2013 kui poolte kokkulepe on vastuolus kohalduva \u00f5iguse imperatiivse normiga, kohaldab kohus kokkuleppe asemel seda normi; <\/span><\/li>\n \t<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"48\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">k<\/span><\/b><b><span data-contrast=\"auto\">indlustus<\/span><\/b><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">\u2014<\/span><span data-contrast=\"auto\"> kuiv\u00f5rd kurjategija v\u00f5ib j\u00e4\u00e4da tabamatuks v\u00f5i osutuda v\u00f5imetuks h\u00fcvitama pooltele tekkinud kahju, peaks nii m\u00fc\u00fcja kui ostja peaks m\u00f5tlema v\u00f5imaliku pettuseriski kindlustamisele;<\/span><\/li>\n \t<li><strong>dokumentaalsed maksed <\/strong>\u2013 rahvusvahelises kaubanduses tasub kaaluda makseasutuste poolt pakutavate nn dokumentaalsete maksete kasutamist (akreditiiv, dokumentaalne inkasso, maksegarantii, faktooring), mille puhul l\u00e4bivad maksete aluseks olevad dokumendid enne raha liikumist reeglina makseasutusepoolse t\u00e4iendava s\u00f5ltumatu kontrolli.<\/li>\n<\/ul>\n<span data-contrast=\"auto\">Karistus\u00f5iguslikult on arvepettuse\u00a0 puhul tegemist\u00a0<\/span><b><span data-contrast=\"auto\">arvutikelmusega<\/span><\/b><span data-contrast=\"auto\">, st t<\/span><span data-contrast=\"auto\">eisele isikule varalise kahju tekitamise<\/span><span data-contrast=\"auto\">ga<\/span><span data-contrast=\"auto\">\u00a0arvutiprogrammi v\u00f5i andmete ebaseadusliku sisestamise, muutmise, kustutamise, rikkumise, sulustamise v\u00f5i muul viisil andmet\u00f6\u00f6tlusprotsessi ebaseadusliku sekkumise<\/span><span data-contrast=\"auto\">ga<\/span><span data-contrast=\"auto\">\u00a0varalise kasu saamise eesm\u00e4rgil<\/span><span data-contrast=\"auto\">, mille eest\u00a0<\/span><span data-contrast=\"auto\">KarS\u00a0\u00a7 213<\/span><b><span data-contrast=\"auto\">\u00a0<\/span><\/b><span data-contrast=\"auto\">n\u00e4eb ette rahalise karistuse v\u00f5i raskendavatel asjaoludel kuni viieaastase vangistuse. Karistamiseks on aga vaja kuriteo toimepanija v\u00f5i toimepanijad esmalt tuvastada ning seej\u00e4rel nende s\u00fc\u00fc t\u00f5endada.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\n\n<span data-contrast=\"auto\">Nagu eelpool m\u00e4rgitud,\u00a0<\/span><span data-contrast=\"auto\">kasutavad arvepetturid sageli kolmandates riikides asuvaid pangakontosid<\/span><span data-contrast=\"auto\">, samuti\u00a0<\/span><span data-contrast=\"auto\">v\u00f5ivad nad v\u00e4lisriikides registreerida ka oma libadomeenid ning kasutada oma j\u00e4lgede t\u00e4iendavaks segamiseks ka\u00a0<\/span><span data-contrast=\"auto\">v\u00e4lismaiseid\u00a0<\/span><span data-contrast=\"auto\">interneti<\/span><span data-contrast=\"auto\">\u00a0\u00fchendus<\/span><span data-contrast=\"auto\">teenuse<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">pakkujaid<\/span><span data-contrast=\"auto\">.\u00a0<\/span><span data-contrast=\"auto\">Seega on\u00a0<\/span><span data-contrast=\"auto\">v\u00e4hegi hoolikamate arvepetturite\u00a0<\/span><span data-contrast=\"auto\">tabamiseks\u00a0<\/span><span data-contrast=\"auto\">suure t\u00f5en\u00e4osusega vajalik rahvusvaheli<\/span><span data-contrast=\"auto\">se politseioperatsiooni korraldamine.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\n<h5><b><span data-contrast=\"auto\">Kuidas reageerida?<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:240,&quot;335559991&quot;:709}\">\u00a0<\/span><\/h5>\n<span data-contrast=\"auto\">Kuigi\u00a0<\/span><span data-contrast=\"auto\">kaakide k\u00e4ttesaamise\u00a0<\/span><span data-contrast=\"auto\">t\u00f5en\u00e4osus<\/span><span data-contrast=\"auto\">\u00a0on v\u00e4ike, tasub siiski nii m\u00fc\u00fcjal kui ostjal esitada kuriteoteade\u00a0<\/span><span data-contrast=\"auto\">oma riigi politseile ja\u00a0k\u00fcberintsidentide\u00a0uurimiskeskusele, kui selline on\u00a0<\/span><span data-contrast=\"auto\">vastavas riigis\u00a0<\/span><span data-contrast=\"auto\">olemas.<\/span><span data-contrast=\"auto\">\u00a0Eestis on \u00f5igeim kontaktikanal Politsei- ja piirivalveameti\u00a0k\u00fcberkuritegude\u00a0b\u00fcroo (<\/span><a href=\"https:\/\/cyber.politsei.ee\/\"><span data-contrast=\"none\">https:\/\/cyber.politsei.ee<\/span><\/a><span data-contrast=\"auto\">), mille kaudu on v\u00f5imalik\u00a0<\/span><span data-contrast=\"auto\">teavitada ka Riigi Infos\u00fcsteemi Ameti juures tegutsevat\u00a0k\u00fcberintsidentide\u00a0k\u00e4sitlemise osakonda CERT-EE.<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">Kiirest teavitamisest on kasu\u00a0<\/span><span data-contrast=\"auto\">\u2014\u00a0<\/span><a href=\"https:\/\/www.ria.ee\/et\/uudised\/olukord-kuberruumis-detsember-2019.html\"><span data-contrast=\"none\">RIA andmetel<\/span><\/a><span data-contrast=\"auto\">\u00a0\u00f5nnestus \u00fchel Eesti ettev\u00f5tjal\u00a0<\/span><span data-contrast=\"auto\">mullu detsembris\u00a0<\/span><span data-contrast=\"auto\">tagasi\u00a0<\/span><span data-contrast=\"auto\">saada\u00a0<\/span><span data-contrast=\"auto\">mituk\u00fcmmend tuhat eurot, mille\u00a0<\/span><span data-contrast=\"auto\">nende\u00a0<\/span><span data-contrast=\"auto\">klient oli\u00a0<\/span><span data-contrast=\"auto\">kurjategijate<\/span><span data-contrast=\"auto\">\u00a0poolt \u00fches Saksa<\/span><span data-contrast=\"auto\">maa<\/span><span data-contrast=\"auto\">\u00a0pangas\u00a0<\/span><span data-contrast=\"auto\">avatud kontole<\/span><span data-contrast=\"auto\">\u00a0kandnud.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\n\nKindlasti tasub s\u00e4ilitada\u00a0\u2014\u00a0ja paluda ka oma \u00e4ripartneril s\u00e4ilitada\u00a0\u2014\u00a0kogu kavandatud tehinguga seotud\u00a0e-kirjavahetus, sealhulgas m\u00f5istagi ka liba-arveid sisaldanud v\u00f5ltskirjad. V\u00f5imalusel tuleb salvestada ka oma\u00a0e-posti\u00a0serveri logifailid.\u00a0Kui politsei ja\/v\u00f5i CERT asja uurima hakkavad,\u00a0v\u00f5ib neil sellest teabest abi\u00a0olla.\n<h5><b><span data-contrast=\"auto\">Kokkuv\u00f5te<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:240,&quot;335559991&quot;:709}\">\u00a0<\/span><\/h5>\nArvepettustega seotud riskide v\u00e4hendamiseks tasub \u00fcheskoos rakendada nii infotehnoloogilisi, organisatsioonilisi kui \u00f5iguslikke meetmeid. Kui aga olete juba kurjategijate ohvriks langenud, tuleb tagada t\u00f5endite s\u00e4ilimine ning teavitada politseid juhtunust v\u00f5imalikult kiiresti. K\u00f5ige halvemal juhul \u2014 kui raha on juba \u201evasakule\u201c l\u00e4inud ja kurjategijate j\u00e4ljed vette kadunud \u2014 v\u00f5ib tekkida vajadus hakata oma suhteid \u00e4ripartneriga kohtus klaarima.\n\n<span style=\"color: #008cc8;\"><a style=\"color: #008cc8;\" href=\"https:\/\/triniti.ee\/tegevusvaldkonnad\/pangandus-finantsoigus\/\" target=\"_blank\" rel=\"noopener noreferrer\">TRINITI advokaadid<\/a><\/span> oskavad sind aidata nii m\u00f5istliku ennetusmeetmete valikul kui tagaj\u00e4rgedega tegelemisel.\n","protected":false},"featured_media":2423,"template":"","person_countries":[296],"people_industries":[],"experience_practice_area":[398,318,310],"insight_category":[430],"class_list":["post-16860","insights","type-insights","status-publish","has-post-thumbnail","hentry","person_countries-eesti","experience_practice_area-kriminaaloigus","experience_practice_area-pangandus-finantsoigus","experience_practice_area-vaidluste-lahendamine","insight_category-blogi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Arvepettused ja kuidas nendega toime tulla - TRINITI - Pan-Baltic Law Firm<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"et_EE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Arvepettused ja kuidas nendega toime tulla - TRINITI - Pan-Baltic Law Firm\" \/>\n<meta property=\"og:description\" content=\"Sten Veidebaum,\u00a0Peeter P. 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