1. misleading and deceptive conduct - acn inc. · you will need to achieve a 100% pass rate i.e....
TRANSCRIPT
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• Module1coversMarketingRisksi.e.Howyoushouldcorrectlypromoteenergyoffersandservices,
• Module2looksatwhatyourlegalobligationsarewhenyourefercustomerstoourEnergypartner,
• Module3coversthePrivacyActandhowtoprotectyourcustomer’sprivacy.• Onceyouhavecompletedall3modulesandunderstoodthecontent,youwill
needtocompleteModule4,whichisashortquizwith10multiple-choicequestions.Youwillneedtoachievea100%passratei.e.Answerallquestionscorrectlybeforeyouareauthorisedtosellenergyservices.Youmayattemptthequizasmanytimesasyouwish.Onceyouhavesuccessfullycompletedthequiz,theEnergysectionofyourPersonalIBOWebsitewillbeunblockedandyourcustomerswillbeabletoproceedwithorderingenergyservicesonline.
Somakesureyoupaycarefulattentionandmakenotes.Let’sbeginwithmodule1–MarketingRisks
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Thereare6typesofmarketingrisksyouneedtoknowabout:
1.Misleadinganddeceptiveconduct–Thisincludesincorrectoruntruthfulclaimsrelatingtoindustrychangesormakingincorrectcomparisons.2.Falseormisleadingrepresentations–Forexample,representingonecompany’sactual(physical)connectionsassuperiortoaspecificcompetitor.3.Unconscionableconduct–Forexample,sellingtocustomerswho,forwhateverreason,donothavethecapacitytounderstandthedecisiontheyaremaking.Thisincludesbutisnotlimitedto:minors,theelderly,personswithdisabilities,languagedifficultiesorculturalbarriers.
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4.Highpressuresales–Forexample,usingthreatsoraggressivebehaviour.5.Fulldisclosure-Youmustalwaystellthewholestorysothatcustomerscanmakeaninformedchoiceaboutwhichretailerbestsuitsthem.6.RespectingCustomerPrivacy–Ensuringyoudon’tignore“donotcall”,“donotknock”or“donotcontact”registers.Thistopicissoimportantwe’lllookatitseparatelyinSection3alongwithotherrelatedresponsibilitieswhendealingwithyourcustomers.
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Misleadinganddeceptiveconductmeans:× Neversayanythingthatisuntruthful.It’sreallyimportantthatyoudonotmislead
ordeceiveacustomerorsayanythingthatislikelytomisleadordeceivethem–leavingoutanimportantfactisalsoconsideredtobemisleadinganddeceptive.
× Youshouldnotcreateafalseimpressionorbehaveinawaythatislikelytomakeacustomerbelievesomethingthatisnotcorrect.
× Ignoranceisnoexcuse.Itdoesn’tmatterwhetheryouintendtomisleadacustomerornot–ifyourconductaffectsthecustomersthoughtsandbeliefs,thenitisconsideredmisleading.
× Iftheoverallimpressionleftbyyoucreatesamisleadingimpressioninthecustomer’smind-suchastotheprice,valueorthequalityofanygoodsandservices-thentheconductrisksbreachingthelawbybeingmisleadinganddeceptive.
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We’velookedatwhatyoushouldn’tdo,here’sthebehaviouryoushoulddemonstrate:ü Beaccurateandfactualwhenpromotingoffersandservices,ü Alwaystellthetruthandincludeimportantfactstocreateatrueimpression,ü Considerhowyourconductaffectscustomer’sthoughtsandbeliefs,andü Keepuptodatewithtrainingsothatyouaregivingcustomerscorrectinformation.
Let’snowtakealookatsomeexamples…
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Canyousay-“YouwillbeabletoavoiddailysupplychargesifyousignupwithClickEnergy”?No.Thisisafalsestatementandconstitutesmisleadinganddeceptiveconductbecausethisisuntrue.
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Canyousay-“ClickEnergydiscountsapplytodailysupplychargesaswellasusagecharges”?Yes.ThisisatruthfulstatementbecauseClickdiscountsdoapplytousageandsupplycharges,thereforethestatementisnotmisleadingordeceptive.Nowlet’stakealookatfalseormisleadingrepresentations…
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YoumustnotfalselyrepresentthatthegoodsorservicesprovidedbyClickEnergyare:
• ofaparticularstandard,or• fitforaparticularpurpose,or• sourcedfromaparticularsource,or• applicabletoaclassorclassesofcustomers,wheninfacttheyarenot
Youmustprovideinformationthatistruthful–forexample,ClickEnergycanservicecustomerswithsolarinvertersupto5kilowattsincapacity.Let’stakealookatacoupleofexamples…
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Canyousay-“IfyouconnectyourelectricitythroughClickEnergy,yourenergysupplywillbemorereliablethanwithyourcurrentretailer”?No.Thisisafalseormisleadingrepresentationbecauseenergyretailersdonotcontrolreliabilityofsupply..
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Canyousay-“WithClickEnergy,youcanchoosebetweenaplanwithdiscountsonusageandsupply,oraplanwithsimplelowrates”?Yes,thisisatruthfulstatement.Let’snowmoveonto‘UnconscionableConduct’.
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Unconscionableconductmeanstakingadvantageofacustomer’sinabilitytounderstandtheagreement.Thiscouldbeduetothecustomer’s:age,illness,inexperience,lackofexperiencewithenergybills,lackofabilitytounderstandenergybills,lackofeducation,poorgraspofEnglishoranythingelsethatimpactstheirabilitytounderstandbusinessagreements,contractsormarketingoffers.
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Avoidingunconscionableconductissimple:ü Makesurecustomersareawareofkeytermsoftheagreementandconsequence,
ü Provideallrequiredinformationforthecustomertomakeaninformeddecision,
ü Itisyourresponsibilitytomakesureyouknowofanyissuesyourcustomermayhaveinunderstandingagreements.Ifyoucannotansweryourcustomer’squestions,youshouldencouragethemtocontactClickEnergy’sdedicatedACNSalesHotlineon1300567236.
ü Ifyouthinkacustomerdoesn’tunderstandthenthesaleshouldnotproceed.Youcannottakeadvantageofaconsumerwhereitwouldbeunfairorunconscionable.Toavoidunconscionableconductyoushouldnot:× Employhighpressuresalestacticsthatplaceunduepressureonthecustomer,× Takeunfairadvantageofyourcustomer,× Misadviseorignoredetailwhendisclosingtheagreement,× Donotallowyourcustomertocompletethesaleiftheydonotunderstandthe
agreement,ignoranceisnotadefence.Let’snowmoveontothenextmarketingrisk…
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Highpressuresalestactics.Whatconstitutesahighpressuresale?Anysalemadeusingundueharassmentconstitutesahighpressuresale.Youmustneveruseundueharassmenttoconvinceacustomertobuyaproductorservicefromourenergypartner.
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Youmustavoidundueharassment.Someexamplesinclude:× contactingacustomerafterthepermittedhourswithoutexpresspermission,
× continuingtopitch/selltoacustomeraftertheyhaveaskedyoutostop,
× usingobscene,discourteousorabusivelanguage.
Thisalsoincludes“DoNotContact”requests.IfacustomerrequeststhattheydonotwishtobecontactedagainbyClickEnergy,youshouldinstructthemtocontactClickEnergyandrequesttobeaddedtoClickEnergy’s“DoNotContact”list.Remember:Onlytheindividualhastheauthoritytodothis–youcannotperformthisfunctionontheirbehalf.Let’snowtakealookatfulldisclosure…
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Fulldisclosureisabouttellingthecustomerthewholestorysothattheycanmakeaninformeddecisionaboutwhichretailerbestsuitstheirneeds.
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RemembernevertostateanamountthatdoesnotfactorinthefullpriceofClickEnergyproducts.Ensurethattheinformationyouareprovidingisaccurateandthatyouaretellingthewholestory.Thekeyistodisclosethefullprice,andwithEnergy,thismeansthatindividualusageratesandservicechargescanbecomparedbythecustomerifdiscountsareexcludedandGSTisincluded.YoumustneverstateoradvertiseanamountthatdoesnotfactorinthefullpriceforClickEnergy’splans.Thereareanumberoftoolsyoushouldusetohelpensurefulldisclosure(andensurethecustomerreviewsthisinformationthemselves)
ü EnergyPriceFactSheets(VIC)orBasicPlanInformationDocuments(NSW,SA&QLD)withexactpricing-foundontheClickportal,
ü ClickEnergy’squotingtoolprovidesanestimateofpotentialcostandsavings
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Remember – telling the whole story means you must not make guarantees about future billing based on previous usage. Comparisons made are by definition historical – these indicate what a customer would have paid in the past and are based on past usage. Future consumption will affect the final amount billed to the customer and past consumption is not a guaranteed indicator of future usage patterns.
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Asmentionedatthestartofthismodulethetopicofcustomerprivacyisareallyimportantonesowe’llcoverthisindetailinmodule3.Let’swrapupthismodulewitharecap.
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Thereare6typesofmarketingrisksyouneedtobeawareof:ü Breachestoanyofthekeyareasofbehavioursleadtothemajorityofcomplaints
receivedbyClickEnergyand/orthecompaniesthatClickEnergyrepresent.ü AnyclaimsyoumakeonbehalfofClickEnergymustbeaccurate.ü IfyoufeelyoudonothaveanunderstandingofanyoftheseissuesyouMUSTreferto
theClickEnergywebsite,quotingtool,and/ortheresourcesavailableinPacificCompass.
BreachesinrelationtotheseandanyotherbehaviouralbreacheswillresultinterminationofyourIBOAgreement.YouhavenowcompletedModule1onMarketingRisks.Ifyouareconfidentyouhaveunderstoodallofthecontentsothatyoucanpassthequizattheend,thenpleaseproceedtothenextmoduleonYourLegalObligations.<Breachesleadtothemajorityofcomplaints,butdonotalwaysresultinacomplaint.Nevertheless,abreachwillresultinterminationofyourIBOAgreement><Whetherornotacomplaintismade,abreachwillresultinterminationofyourACNIBOAgreement>
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