Consumer laws – get the most from your gift cards

GIFT cards are quite popular and are sold by many businesses. Many of us have purchased or received a gift card – they are a great option for birthday or Christmas presents. I am sure that at least some of us (myself included) have lost the value of the card by failing to redeem it before it expires. Traditionally, most … Read More

Walker PenderConsumer laws – get the most from your gift cards

Consumer laws and protections explained: Part 5

THE consumer laws (“ACL”) require that consumers be provided with certain guarantees for most consumer goods and services they purchase. These are separate to any store bought or issued warranty. The guarantees are like a set of rules that come with the purchase of services or products and are designed to protect the consumer. They cannot be restricted, excluded, limited … Read More

Walker PenderConsumer laws and protections explained: Part 5

Consumer protection from unconscionable conduct

THE consumer laws (ACL) create a general prohibition against engaging in unconscionable conduct in trade or commerce. They also create a prohibition against such conduct in connection with the supply of goods or services to consumers. Unconscionable conduct is not defined in the ACL but is generally understood to mean conduct which is so harsh or unreasonable that it defies … Read More

Walker PenderConsumer protection from unconscionable conduct

Misleading and deceptive conduct is against the law

THE consumer laws (ACL) provide various protections and set standards of business conduct in commercial transactions. Chapter 2 deals with standards of business conduct aimed at protecting consumers, including a general prohibition on engaging in misleading or deceptive conduct and unconscionable conduct. There are also unfair contract term protections for consumer contracts. Section 18 of the ACL prohibits misleading or … Read More

Walker PenderMisleading and deceptive conduct is against the law

Single touch payroll

Single Touch Payroll is a way of sending tax and super information to the ATO from your payroll or accounting software each time you pay your employees. When you start using STP software: you will run your payroll, pay your employees as normal, and give them a payslip your pay cycle does not need to change (you continue to pay … Read More

Walker PenderSingle touch payroll

Glimpse into our future

Latest impressions of CBD redevelopment. IPSWICH residents have been given a fresh perspective on the CBD redevelopment with the release of new drawings of the Nicholas St precinct. Newly released drawings of the Nicholas St precinct development give a fresh perspective on how the area will look and feel once finished. The drawings illustrate the development from street level. Last … Read More

Walker PenderGlimpse into our future

Consumer laws and protections

LAST week’s article briefly introduced the consumer laws – the ACL. Over the coming weeks I will share information about the ACL, how it operates and how it protects consumers. While there are legal protections and guarantees relating specifically to financial products and services also, these are covered under the Australian Securities and Investments Commission Act 2001, (regulated by the … Read More

Walker PenderConsumer laws and protections

Consumer laws and protections

‘‘Generally, a consumer is someone who has acquired goods or services of a kind ordinarily acquired for personal, domestic or household use… AUSTRALIAN consumers are provided with protections under the national consumer laws located in Schedule 2 of the Competition and Consumer Act 2010 and titled (quite conveniently) The Australian Consumer Law (Schedule 2 Law)…. The Schedule 2 Law also … Read More

Walker PenderConsumer laws and protections

Cancellation of superannuation fund insurances

IN CERTAIN circumstances your employer must contribute to your superannuation. Whether you are currently employed, previously employed or soon to be employed, you need to understand superannuation and what fund or funds you have. Some people have multiple funds due to, for example, changes in employer and electing a new employer’s default fund. The Federal Government announced regulatory reforms in … Read More

Walker PenderCancellation of superannuation fund insurances

The Advanced Health Directive

IN THE past two weeks I have looked at General Powers of Attorney and Enduring Powers of Attorney. Both are formal documents that give another person the authority to make decisions on your behalf. Out of the two, only the Enduring Power of Attorney can provide power to make decisions about personal and health matters. But what about if you … Read More

Walker PenderThe Advanced Health Directive