Civil Lawsuit Notes
If the consumer has given notice of cancellation or rescission
but has not received a satisfactory response, he or she may
commence a civil suit.
Exemplary or punitive damages may be awarded in such a
suit, in addition to any other rem
Consumer Remedies Rescission Notes
A consumer may rescind any agreement entered into while
the other party engaged in an unfair business practice under
If rescinded, the agreement and all related agreements,
guarantees, and payment security are c
Consumer Rights Contract Requirements Notes
The CPA requires all personal development service
agreements to include:
The name of the consumer;
The name, address, and telephone number of the
service provider, any other contact information such as
Consumer Rights Cooling off Period Notes
The CPA provides for an automatic 10-day cooling-off period.
May cancel for any reason within 10 days of receipt of a
written copy of the agreement, or within 10 days of the date
that the services in the agreement
False Misleading and Deceptive Representations Notes
That the goods or services are available for a reason that
does not exist;
That the goods or services have been supplied in
accordance with a previous representation, if they have not;
That the goods or
Consumer Rights Extension or Renewal Notes
A personal development services contract cannot have a
term longer than one year.
If the consumer wishes to continue the membership or
services, she or he must renew the contract.
If the contract contains an auto
Personal Development Service Agreements Notes
Personal development service agreements are governed by
In Ontario, the Consumer Protection Act, 2002 is the
governing law that protects consumers.
The CPA covers any agreement, the cost of whi
Unsolicited Goods or Services Notes
A company may not bill a consumer for goods or services
that were not requested, or for goods or services that are
different from those originally agreed upon.
The consumer is not required to pay for such goods or
Freedom From Unfair Business Practices Notes
The Consumer Protection Act, 2002 specifically prohibits two
types of unfair business practices, which we will discuss in
more detail shortly:
Making a false, misleading or deceptive representation,