General Legal Legal

What are Consumer Protection Laws and Why are they Important?

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The world of corporate law is a vast and often confusing world. And it is important for anyone looking to step into the legal world to be able to understand some of the more important aspects of it. To that end, we are going to be looking at consumer protection laws and why they are important. This guide will cover the topics in a basic manner, looking at the different aspects of consumer protection laws and why they are so important to, not only your legal career but the world as a whole.

The Basics

To put it simply, consumer protection laws do what it says on the tin. They are laws designed to protect consumers. But what does this mean? Essentially these laws look at making sure businesses are not price-gouging customers, protecting customer data, being truthful to customers and giving them a fair, proper customer experience. Things such as warranties and return policies are determined by consumer protection laws. Businesses can be hurt or even shut down if they do not adhere to these laws and individuals who run the businesses, can be fined, or even prosecuted for breaching these laws.

KYC

Know Your Customer, or KYC, is a method within the business world that is used to establish information about a customer. This system works two-fold, it benefits the business but also protects the customers. KYC is often a system that collects data from a customer, willingly, while they are using their business. This data is kept and stored and allows a business to tailor their experience to the customer, but also allows them to make sure a client is who they say they are. This is how KYC protects the customer. It is a system that stops fraudsters very early on. If a customer’s information has been stolen, KYC is used to make sure nothing fraudulent happens. Customer protection laws work their way into KYC. Businesses are required, by law, to make sure the customer data is secure and safe and not being misused for malicious, or fraudulent purposes. KYC can be handled on-site by a business or by an outside company. I tried KYC solutions from Fully-Verified.com and it proved to be an insightful look into how KYC works and was beneficial to my own company.

Importance

Why are these laws so important? They are not only designed to protect customers but also to keep businesses in check. Without these laws, companies would be free to do whatever they wish. They would be able to produce an advertisement that lies about products, meaning customers would not be getting the product they expect. This could cause a lot of harm, especially for products that have potentially life-threatening implications. Without these laws, companies would be able to sell faulty, or ineffective products, and not allow customers to claim on warranties or returns the products for a refund. This would essentially let scammers and fraudulent businesses run rampant. Without these laws, businesses would be allowed to use customer data however they want. They could sell it to whoever they like and cause serious harm to their customers.

The Next Step?

If you are interested in working in cooperate law, specifically in the field of customer protection laws, there are a number of ways you can go about it. There are a lot of active firms that are built around making sure businesses are adhering to these laws.  Watchdog organizations and the like are great places to look. It is also a good practice to look at how different countries handle their customer protection laws. For example, the EU has blanket customer protection laws for any company operating within Europe, even if they are based somewhere else.

Related

The Complete Guide to Getting an Australian Residency Visa

Every year it is estimated that thousands upon thousands of people consider emigrating to Australia on a permanent basis. The lure of the beautiful beaches. The charm of the sunny weather. The rich history and fantastic culture. It’s no surprise that so many people want to run away to Australia and never return.

But, of course, not all of these people will actually move over, for a number of reasons. Some can’t afford it. Some simply change their mind. But most simply can’t pass the visa application process or secure a residency visa.

 

Australian Immigration

Australia is one of the countries known for its tough immigration stance. It is no small feat to secure a residency visa. They operate on a points-based system that assesses all applicants on a number of different factors.

These factors include everything from an educational background and language proficiency to employment history and personal interests. No aspect of a possible immigrant’s history is ignored when deciding who to let into the country.

The Australian government decided what jobs and skills are worth more points, based on the needs of the country. Jobs such as Doctor or Engineer will improve your chances of entering the country, whereas a job working as a fast-food worker might not be to your benefit. But this isn’t guaranteed. There have been times when the country needs more labor for general jobs.

So the first step to securing your chance is getting a residency visa is to take stock of your history and information and check out how many points you will get during the process. If you meet the requirement you will be off to a good start.

 

Family

If you happen to have family in Australia, or family roots from the country, your chances are greatly improved. Like with any country, you have certain rights attached to your heritage. If you can prove this, you stand a greater chance of getting approved.

Another way you could bypass a lot of the application process is through inheritance. If a family member in Australia leaves their estate to you, you can bypass the points system of the application process. In this instance, you would need to secure professional legal help and fill out a qld family provision application to ensure you actually receive the estate in its entirety.

 

The Application Process

Once you have calculated how many points you will receive due to your history you will now need to provide a number of different checks.

The first is, of course, a passport check. You need to have a valid passport for your current country. Without one, you will be finished before you even begin your immigration journey.

Secondly, you will need to make sure you have got a full police check done and ready to provide. Australia is very strict about criminal records. Even some minor infractions can lead to you be rejected from the country outright. So before you start the process make sure you have your check done.

You will need to put together a complete and comprehensive employment history. This goes beyond a simple CV. You will need to provide proof of income and references. The Australian government needs to know you are experienced and reliable. If you have a history of unemployment or being fired a lot, chances are you won’t get into the country.

 

Job Hunting

Employment is a huge part of immigration. Australia is insistent on only allowing in people who are going to work. They want to keep unemployment numbers down and have taxes being brought in. So providing your employment history is only the first step. You need to actually secure a job.

Now it is possible for you to wait until you are moved and settled to start job hunting. But this won’t help your chances of making it into the country.

Your best bet is to start job hunting while still in your home country. Start attending online or phone interviews. Apply to as many jobs as you can, even if you get a lot of rejection notices. If you can compile a lot of evidence of trying to secure a job you will greatly improve your chances of getting approved for immigration.

If you can actually secure a job in the country, you can have that company act as a reference for your application and get it sped along. The country is more willing to allow people in if they have already secured a job. So this is one of your best bets for getting into Australia.

 

History

It never hurts to start brushing up on your Australian history and customs as well. This will play a huge part in getting into the country, but it is mainly for what comes next. A residency visa is only the first step. After that, you will want to start looking into getting citizenship for Australia.

During the citizenship test, you will have to prove you are clued up on their history. Think of it as a history test but focusing more on basic history and customs, rather than specific details.

 

We hope this has helped you understand how the application process for immigration to Australia works. It is a tricky process but is a worthwhile one. Australia is a fantastic country and, if you make it there, you will not regret your decision to move!

 

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Property Owners Guide: All the Legal Stuff you Need to Know!

Selling your property can be overwhelming and it involves a lot of work, this makes moving difficult as if you’re also searching for a new house whilst selling your own there is a lot to keep up with. Some decisions you make when trying to sell your property may seem unimportant to you, but often when people make the wrong decisions it can cost them hundreds if not thousands of dollars. Before you read this handy guide about all the legal stuff you need to know about selling your property, you should make sure that you definitely want to sell it. Think about why you’re selling your property, for example, if you need more space you may think that you need to move when in fact, it could be cheaper to build an extension or undergo a loft conversion. There are many scenarios like this so make sure you think about why you’re selling your property so that you’re sure that you want and need to. Selling a home is a long process and often an expensive one so you don’t want to start the process are realize a few months down the line that you don’t want to sell. Once you’re sure about selling your property, there is a lot to consider. We’ve made this guide for you so that you can find all the legal stuff that you need to know in one place.  

Your mortgage

Most people who own a property and are moving have not yet fully paid off their mortgage. This is the first bit of legal advice you need to be aware of. When you sell your house, you will be able to pay off whatever is left of your mortgage, you should figure out how much you will have left before you put the house up for sale to make sure you can afford another place if you’re moving. You’ll have to take out another mortgage on your new home, so this is the important legal bit, you’ll need to check with your current mortgage provider if there are any additional charges that you’ll be required to pay for switching early. This is also an opportunity for you to look at different lenders to see who the current best mortgage provider is.  

 

Find an estate agent

Selling your property can be one of the most stressful things you’ll ever have to do. If you’re not sold a property before then it is hard to imagine just how much work is involved with preparing your house for sale and finding people who may be interested in purchasing it. By finding an estate agent, a lot of the responsibilities are passed on from you to the estate agent making it a much less stressful process. There are a variety of legal requirements when selling a house, for example, getting a house inspection is a necessity so that potential buyers are aware of what condition the property is in so they’ll know if they will have to budget to fix things once they arrive. Finding the right person or company to conduct the inspection can be difficult but estate agents will make sure they are certified home inspectors and that everything goes smoothly. Those conducting the home inspection are vital to the process and it’s definitely better to have someone who is well known by your estate agent to be reliable than to find someone yourself.  

Offers

It may take a while for you to receive an offer on your property or if you’re in a popular area, have a great price, or just have an amazing property you may receive many offers fairly quickly. Once you receive the offer you can choose to accept or reject it depending on if the price is right for you, if you think there is a price that you and the potential buyer could agree on then you can also negotiate through your estate agent. Once you have an offer that you are happy with, your estate agent again will take care of the legal work. The next legal business in this process is drawing up the draft contract, this will clearly lay out any agreements between you and the other party like if any discounts are applicable after problems being flagged up by the home inspector.  

Other helpful tips

All of the main legal issues have been covered in this guide and we think that it is definitely worth hiring an estate agent to deal with all of the legal business rather than doing it yourself. You should take some care when choosing your estate agent as there is a lot to consider, you should look at the sales time of any potential estate agent you would use, and you should compare their fees. There is also the option of using an online estate agent whose services are often much cheaper so if you’re not wanting to do the work yourself but not wanting to pay a lot, these could be a good in between to do some research into.  

The other important thing when trying to sell your house is making sure that it always looks presentable so people can start to imagine their lives there and you should also make sure that it smells pleasant too. The nicer the environment in the house the more likely you are to receive an offer.  

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Health & Safety Regulations Every Small Business Owner Must Know

Keeping your small business afloat is a lot of responsibility. But one of the most important aspects of owning a small business is ensuring you are aware and compliant of health and safety regulations. They ensure your employees and clientele are kept safe. Failure to comply can lead to injury or damage which can be expensive to deal with and detrimental to your small business. While it shouldn’t be an issue for the vast majority of small businesses, it’s probably worth noting that your employees have the right to refuse to do any task they deem as unsafe. So, if you’re wanting to make sure your business is on top of its health and safety, pay attention to this advice and be sure to do your own research – or else your business could be on the line.

Furniture

In order to prevent injury and potential lawsuits, it’s probably worth checking the furniture you have around your workspace. Check your desks and chairs are sturdy and unlikely to break. If you’re unsure it may be worth investing in some new furniture that passes health and safety regulations. For example, the best office chairs to invest in if you’re wanting to ensure you’re meeting health and safety regulations are like the office chairs reviewed here. Don’t take any chances, your employees and clients should always be your number one priority.

Cleanliness

It should be a given, but it is very important you keep your workspace as clean as possible. It could be worth investing in a cleaner, but if it isn’t in your budget, you should ensure your workspace is given a deep clean at least every two weeks. It may also be worth establishing a basic cleanliness standard that all your employees are aware of. Make sure your soap dispensers are consistently topped up and add a sign beside your sinks to remind people to wash their hands. It could also be worth in investing in some hand sanitizer pumps around the workspace.

Fire Safety

Also, an extremely important aspect of keeping your workspace safe is ensuring you’re on top of your fire safety. Make sure you test your fire alarms regularly and have a fire escape plan in place that your employees are confident with. Ensuring you have fire extinguishers around your workspace could be the difference between a burnt-up microwave and losing the entirety of your workspace.

Space to People Ratio

Many people may not know this but there is a regulation in place to ensure your employees have an adequate amount of space to work in. To stay within regulation, you should ensure per employee, there is at least 41 square feet of office space.

Obstructions

To help reduce the risk of injury, it’s important to limit the clutter in your workspace. Any doors, especially fire exits, should never be blocked and walkways should be clear. Should the worst happen, and you and your employees need to exit the workspace quickly, it shouldn’t be made any more difficult by obstructions. Don’t put your business at risk and keep your workspace tidy.

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