ࡱ> ] "bjbj۷۷ CF&\&\}\d d ,,,@@@8x$<@4BL$:::ZB4D4D4D4D4D4D4$79`h4,N"p"h4::}4^8:,:B4B413:3vJ2.4404`26:(d:,3:,3h4h4@4:d > :  This factsheet will help training providers and marketers understand their obligations under the Australian Consumer Law (ACL). What is the Australian Consumer Law (ACL)? The ACL is Australias national consumer protection and fair trading law. It sets out the rights and ɫƵ of consumers and businesses, including training providers and marketers. In ɫƵ the ACL is applied through Part 2.2 of the Australian Consumer Law and Fair Trading Act 2012. It gives consumers options for redress (e.g. refunds) and allows regulators such as Consumer Affairs ɫƵ to take enforcement action against businesses that break the law. The ACL applies to a broad range of education and training services, including: advertising, marketing and promotion soliciting and taking enrolments and payments training delivery student assessment requests to cancel a students enrolment. The ACL also applies when these services are provided by third parties on behalf of training providers. You must follow your obligations under the ACL as well as any other laws affecting training providers and marketers by other laws or regulators. Misleading, deceptive and unconscionable conduct The ACL prohibits misleading and deceptive conduct and false or misleading representations by businesses in their dealings with consumers. It is illegal to make a false or misleading representation about: price quality the need for particular services. Examples might include providing misleading advice about the: expected benefit of doing a particular course, including eligibility for further study or employment prospects overall price of the course, including VET FEE-HELP loan arrangements. Unconscionable conduct conduct that is against good conscience is also illegal. You must take extra care when marketing to vulnerable consumers who may be less likely to understand what they are signing up for. This might include consumers: with a disability who do not speak English as a first language of culturally diverse backgrounds with low literacy skills with otherwise limited ability to complete the course. Courts can impose penalties for these offences of up to $1.1 million for corporations and $220,000 for individuals. Consumer Affair ɫƵ can also seek injunctions or court orders for refunds and damages. You also have ɫƵ under the Standards for Registered Training Organisations 2015 or the Australian Quality Training Framework Standards to ensure students meet certain basic prerequisites before they can be enrolled. Prerequisites might include English language proficiency or meeting particular licencing or regulatory requirements. Targeting vulnerable consumers with the promise of incentives if they sign up to a VET FEE-HELP loan, without fully explaining the course and loan scheme, could also be considered unconscionable conduct. Offering incentives to consumers to enrol in a VET FEE-HELP course was banned from 1 April 2015. You should obtain independent legal advice about your business practices and ɫƵ under all relevant legislation. Door-to-door sales, telemarketing and shopping centre/footpath sales Some training providers and marketers sign up consumers after approaching them door-to-door, in public, or on the phone. This is called an unsolicited consumer agreement, because the training provider or marketer initiated the contact, not the consumer. Consumer have extra protections in an unsolicited consumer agreement. For example: consumers have a cooling-off period of 10 business days, during which they can cancel the contract without payment or penalty consumers can only be approached during certain hours and on certain days the salesperson must present ID and give the consumer a truthful explanation of their rights the salesperson must leave or cease contact if the consumer asks them to the salesperson must give the consumer a copy of the complete agreement, at the time of any face-to-face sale or within five days following a telephone sale. The cooling-off period is designed to allow the consumer time to fully consider their personal circumstances and the contract terms, and cancel the contract without penalty if they change their mind. If you do not afford a consumer their rights in an unsolicited sale, the cooling-off period automatically extends to six months. Courts can impose penalties for these offences of up to $50,000 for corporations and $10,000 for individuals. Unfair contract terms Training providers and marketers often use standard, take it or leave it style contracts when signing up consumers. The consumer has no genuine opportunity to negotiate the contract terms. You must take care with these contracts and ensure they do not contain unfair terms that: cause a significant imbalance in the parties contractual rights and obligations are not reasonably necessary to protect the legitimate interests of the party who would be advantaged by the terms would cause detriment (whether financial or otherwise) to a consumer if they were to be applied or relied on. Only courts can declare terms unfair. In such cases, the consumer may be entitled to refund or another order the court finds appropriate. The court may also vary the contract by removing the unfair contract term. Regulators can also seek an order, such as an injunction, preventing an education provider from relying on the contract term. You should review your contracts to ensure they contain no unfair terms and consider getting legal advice if necessary. Consumer guarantees Services that consumers buy come with automatic guarantees. You must provide services: withacceptable care, skill and technicalknowledge that are fit for the particular purpose within a reasonable time. If services do not meet the consumer guarantees, consumers can claim remedies including: cancelling a service for a full refund seeking partial refund for the drop in value of the service seeking compensation for damages and loss. Vocational education and training sector reforms A number of Commonwealth Government reforms have been announced that affect suppliers and marketers in the vocational education and training (VET) sector. See  HYPERLINK "http://www.vetreform.industry.gov.au" www.vetreform.industry.gov.au and  HYPERLINK "http://www.education.gov.au/vet-fee-help-reforms" www.education.gov.au/vet-fee-help-reforms for details. 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