Resources

This Factsheet looks at the process of obtaining and utilising insurance in Australia, as well as some of the legal issues surrounding insurance. This Factsheet will address the following questions and provide information on varying issues related to insurance: How...

This Factsheet looks at the policies and procedures around accessing superannuation: in particular when you can access super early. What is superannuation? Superannuation (or “super”) is a mandatory system where money is placed in a fund to save for a...

This factsheet discusses the SDRO Advocacy Hotline and the options available for reviewing fines. Fines can be divided into two main categories. You may be given a fine as part of various court orders or by a penalty notice. A...

This Factsheet looks at the law covering unconscionable conduct. Under the Australian Consumer Law, it is illegal for businesses to engage in unconscionable conduct when dealing with other businesses or their customers. What is unconscionable conduct? Unconscionable conduct does not...

When you buy goods or services, you have the right to accurate and honest information. Businesses are not allowed to mislead you or give a false impression. A business engages in misleading or deceptive conduct if what they say or...

This Factsheet looks at unsolicited consumer agreements. The Australian Consumer Law contains consumer protections relating to unsolicited sales practices, such as door-to-door sales and telemarketing. Salespersons who contact you uninvited to offer an “unsolicited consumer agreement” have obligations around how...

This Factsheet looks at the rights you have to enforce a judgment debt. What is a judgment debt? If you have an order of a Court or Tribunal against a judgment debtor requiring them to pay money, it is called...

This Factsheet discusses your rights and obligations when you have to pay a judgment debt. What is a judgment debt? If there is an order of a Court or Tribunal against you requiring you to pay money, it is called...

This Factsheet looks at Total Permanent Disability Insurance. In the event that you develop an injury or illness that prevents you from working, total permanent disability (TPD) cover or insurance may provide financial support for you and your family. What...

This Factsheet discusses the SDRO Advocacy Hotline and the consequences of receiving an enforcement order and the likely enforcement action taken if a fine is not paid. What is an enforcement order? If you have an unpaid fine and...