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论文作者:51lunwen论文属性:作业指导 assignment guidelines登出时间:2008-06-16编辑:点击率:10361
论文字数:4000论文编号:org200806160943133857语种:英语 English地区:英国价格:免费论文
关键词:E-commerceIntellectual ProperrtyOnline Financial Services
Unsolicited Communications
The issue of unsolicited communications is closely related to that of inertia selling and can be seen as another from of consumer protection. Note that Article 10 of the Directive is almost identical to the equivalent provision of the E-commerce Directive. That is, member States are still entitled to either implement an opt-in or opt-out system and suppliers can only use automated calling machines and fax machines if prior consent has been obtained. Remember as well that the new Privacy in Electronic Communications Directive only applies to providers of electronic communications and does not extend to the use of direct marketing – this area of unsolicited communications is either regulated generally by the E-commerce Directive or specifically by the present directive in the case of Financial Services.
Information Requirements
A number of Articles in the Directive address this issue. Firstly, Article 3 provides for information before the contract is concluded. The objective is clear – the consumer can to "properly appraise the financial service offered to him/her and hence make a well-informed choice."
In the case of telephones sales, suppliers must, at the beginning of any conversation with a consumer the identity of the person in contact with the consumer and his or her link to the supplier, the purpose of the call, and a description of the main characteristics of the financial service.
Generally, the consumer must be provided with the following information;
As to the Supplier
Identity and main business and relevant geographical addresses
Identity of supplier’s representative and address
Identity of the professional [if any] the consumer interacts with and the relationship with the supplier
Details of trade registration [if any]
Details of any relevant supervisory authority
As to the Financial Service
Description of the main characteristics
Total price, including fees, charges, expenses and tax and indications of other applicable costs and taxes
Notice as to price fluctuations, risk and historical information [if relevant]
Limitations as to period of acceptance
Payment and performance arrangements
As to the distance contract
Existence/absence of a right of withdrawal [Article 6]
Minimum duration of the contract
Early termination rules and penalties, if any
Practical means of intimating withdrawal
Underlying law of the contract
Contractual rules as to the law to be applied and in which court
Languages used
Redress
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