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Table of contentsYour consumer rightsAlberta’s Consumer Bill of Rights was developed to help businesses and consumers understand their rights and responsibilities in Alberta’s marketplace. The bill of rights outlines how the Consumer Protection Act:
The marketplace thrives when business and consumers have confidence they will be treated fairly and ethically. The right to be informedYou have the right to:
The right to fair treatmentYou have the right to be free from:
The right to take action when treated unfairlyYou have the right to:
The right to protect your interestsYou have the right to:
Door-to-door salesThe Consumer Protection Act allows you to cancel a sale within 10 days of receiving your copy of the signed contract if:
You do not have to give a reason for cancellation. Prepaid contractorWhen a written contract has been solicited, agreed upon or signed at your home or at another location away from the contractor’s normal place of business, the Consumer Protection Act allows you to cancel the contract up to 10 days after you receive your copy. Time shareUnder the Consumer Protection Act, you have 10 days to cancel a time share or points-based contract entered into from within Alberta. You do not need a reason to cancel. The 10-day period starts the day after you get a copy of the signed contract. You can cancel the contract by personal service, registered mail, email or fax at the address provided by the supplier in the contract. Once you cancel a contract, the supplier has 15 days to refund your money. Resources
ContactFor further assistance with any of these topics, contact the Consumer Contact Centre: Phone: 780-427-4088 (Edmonton and area) It is always a good idea to get a receipt or other proof of purchase for products and services you buy. Keep all records just in case something goes wrong later. To use your rights to a repair, replacement or refund you will need to keep the receipt or other type of proof of purchase. A receipt can come in the form of a:
Other types of proof of purchase include:
The Australian Consumer Law does not describe what sufficient proof of purchase is. Sometimes you may need to provide more than one of these things to support your claim. However, as long as you can reasonably demonstrate that you purchased an item, a business may be breaking the law if it denies your right to a refund, repair or replacement for an item that fails to meet a consumer guarantee. Businesses are not required to provide you with a refund or replacement if you simply change your mind. Businesses must always give you a receipt (or similar proof of purchase) for anything over $75. If they don't, ask for one. You also have the right to request a receipt for anything under $75 and the receipt must be given within seven days of asking. The receipt must include the:
You have the right to ask a service provider for an itemised bill or account for up to 30 days after receiving the bill. This must be provided free of charge within seven days of the request. An itemised account must show:
It is a good idea to keep records about any descriptions and promises of how the product or service should appear and work. Keep receipts in a safe, dry place and take a copy or photo of them if you are worried about fading. You can also use the ACCC Shopper app for storing receipts. Consumer rights & guarantees ShareHow often must a member firm provide a copy of the FINRA procedures to its customers?FINRA Rule 4530(d) requires that a member firm also report quarterly statistical and summary information regarding written customer complaints that have been received.
How often must a member firm provide a copy of the FINRA procedures to its customers quizlet?After opening a new account, how many days does a firm have to provide the customer with a copy of the account record? Member firms must provide new customers with a copy of the account record (new account form) within 30 days of opening the account; this ensures the information the firm has on file is accurate.
How often must the firm send her an account statement?Current NASD Rule 2340 (Customer Account Statements) generally requires each general securities member (as that term is defined in the rule)4 and NYSE Rule 409 (Statements of Account of Customers) generally requires each member organization to send account statements to customers at least quarterly showing security and ...
What information does FINRA require a broker to obtain from the customer when opening accounts?FINRA Rule 4512 (Customer Account Information) requires members to make reasonable efforts to obtain the name of and contact information for a trusted contact person (“trusted contact”) for a customer's account.
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How many days does your firm have to supply the customer with a copy of the signed agreement upon receipt of his request?
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