Sentences with phrase «consumer guarantees provided»

The consumer guarantees provided under the Australian Consumer Law can not be excluded, restricted, or modified.

«The consumer guarantees provided under the Australian Consumer Law can not be excluded, restricted or modified,» he added.

Not exact matches

The annuity consumer seeks to move their money from an employer - sponsored retirement plan to an individual annuity IRA that provides these insurance guarantees.

Treasury inflation - protected securities (TIPS) help limit inflation risk to your portfolio, as the principal is adjusted semiannually for inflation based on the Consumer Price Index (CPI)- while providing a real rate of return guaranteed by the U.S. government.

BOSTON, March 26, 2018 / PRNewswire / — John Hancock Insurance introduced an improved Protection Universal Life insurance product with extended guarantees and new optional benefits, providing consumers with coverage that offers lifetime protection tailored to meet their individual needs.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

The ACCC will be watching Amazon to make sure it doesn't mislead consumers by not providing guarantee rights in the event products are defective and to ensure there are no unfair contract terms with Amazon suppliers.

Not only do we offer consumers independent laboratory rated Manuka honey, an independently certified country of origin guarantee, Kosher certification, and the New Zealand Ministry for Primary Industries certified Risk Management Program, but we also provide three size variations, four bio activity ratings (10 +, 15 +, 20 +, 24 +), and four Infused Honeys (Lemon, Ginger, Aloe Vera, and Glucosamine).

Staunchly critical of the retail chains — he says he would rather close his family winery than sell to them — Mr Crittenden said the initiative, called Seekwine, would provide a place consumers were guaranteed to find wines made by small family operators rather than mistakenly buying a private - label wine made by the retailers.

However, just because a person is a midwife does not guarantee that they provide this kind of care; consumers looking for a midwife should ask questions to determine if a prospective caregiver will be able to provide the kind of care they seek.

There is no mention about money back guarantees, so it could potentially represent a sunk cost if it does not provide what the consumer is looking for.

This clause does not limit the rights of consumers to recover a refund provided under the Consumer Guarantees Act 1993.

Most trusted and reliable online dating services generally provide a money - back guarantee for their online consumers to give assurance that the company is doing the best it can offer for the online community and stands behind their good and quality service.

* We are one of Colorado's only Negotiation - Free Honda Dealers * Get an actual price on an actual car when you ask * No need to negotiate or take a forced test drive * Work directly with a sales associate who is paid a salary - not a commission * Be confident before your purchase * We gladly provide CarFax and AutoCheck vehicle history reports * We will show you the repairs we have done as well as their cost * We will show you why the vehicle is priced the way it is as well as the profit we stand to make * We offer Denver's only no - obligation 24 - hour test drive * Be confident after your purchase * Every purchases vehicle has a 5 - day, 250 - mile money - back guarantee * If you change your mind - return the car for a full refund - no restocking fee * Our service department is recommended by 96 % of verified reviewers on DealerRater * We have received DealerRater's Consumer Satisfaction Award in 2017 * 2017 Honda Dealer of the Year - DealerRater Colorado Awards

CARPROOF is the only service that provides consumers with Canadian lien and / or security interest information on vehicles from right across Canada and guarantees the results.

We provide assignment with a guarantee of plagiarism free paper complete with academic references on searching consumer behavior online.

Please note that our company does not guarantee that you will be approved for any type of loan and our information is provided to the consumer free of charge.

CONSUMER hereby acknowledges that Credit Repair Organization does not guarantee any specific outcomes or results on behalf of CONSUMER, but contracts to provide the specific list of services as more fully described herein.

The most common types are title loans and pawnshop loans since the consumer will be able to provide physical property to guarantee the loan amount will be covered in the event of default.

Initial Mortgage Insurance Premium: This up - front fee is charged by the government and is intended to cover the guarantees provided by the FHA to the lender and the consumer.

All NFCC certified counselors must be employed by an agency of the NFCC member network, and must complete the NFCC's comprehensive training program to guarantee their ability to provide quality education and assistance to consumers.

Prohibited acts.A credit services organization, a salesperson, agent, or representative of a credit services organization, or an independent contractor who sells or attempts to sell the services of a credit services organization shall not: (1) Charge a buyer or receive from a buyer money or other valuable consideration before completing performance of all services, other than those described in subdivision (2) of this section, which the credit services organization has agreed to perform for the buyer unless the credit services organization has obtained a surety bond or established and maintained a surety account as provided in section 45 - 805; (2) Charge a buyer or receive from a buyer money or other valuable consideration for obtaining or attempting to obtain an extension of credit that the credit services organization has agreed to obtain for the buyer before the extension of credit is obtained; (3) Charge a buyer or receive from a buyer money or other valuable consideration solely for referral of the buyer to a retail seller who will or may extend credit to the buyer if the credit that is or will be extended to the buyer is substantially the same as that available to the general public; (4) Make or use a false or misleading representation in the offer or sale of the services of a credit services organization, including (a) guaranteeing to erase bad credit or words to that effect unless the representation clearly discloses that this can be done only if the credit history is inaccurate or obsolete and (b) guaranteeing an extension of credit regardless of the person's previous credit problem or credit history unless the representation clearly discloses the eligibility requirements for obtaining an extension of credit; (5) Engage, directly or indirectly, in a fraudulent or deceptive act, practice, or course of business in connection with the offer or sale of the services of a credit services organization; (6) Make or advise a buyer to make a statement with respect to a buyer's credit worthiness, credit standing, or credit capacity that is false or misleading or that should be known by the exercise of reasonable care to be false or misleading to a consumer reporting agency or to a person who has extended credit to a buyer or to whom a buyer is applying for an extension of credit; or (7) Advertise or cause to be advertised, in any manner whatsoever, the services of a credit services organization without filing a registration statement with the Secretary of State under section 45 - 806 unless otherwise provided by the Credit Services Organization Act.

Providing insurance on bank loans also supports borrowers because consumers are guaranteed loan funds even if the financial institution from which they borrowed folds before the end of an agreement.

Online quotes are estimates only, based on information you provide, and are subject to change based on verification of information, including identification of the property or risk to be insured, claim and credit history, and / or information contained on other consumer reports.Receipt of an online insurance quote does not guarantee that your application will be accepted should you apply for insurance.

For consumers who would like to learn more about annuities — but are unclear about how they work and may provide a guaranteed source of income — the following educational video provides helpful information.

For example, only 46 % of consumers know that an annuity can provide guaranteed lifetime income.

Annuities are the only financial product that can provide the guaranteed lifetime income consumers say they want — and advisers know they need.

Golden Financial Services can not guarantee that a consumer will get out of debt through one of these programs, but does its best to work with the most reputable debt relief companies that provide some type of written guarantee or assurance of performance.

The best life insurance companies have strong financial stability and are rated highly by financial and consumer institutions, guaranteed to pay out death benefits and provide a list of features and services you need to build a financial safety net.

«We prefer to take the approach of providing a 100 - percent satisfaction guarantee on all of our products, so the consumer can easily receive a refund should their cat not respond favorably to a particular treat,» he says.

While selling supplements with the NASC Seal of Quality does not guarantee increased sales at retail, Bookout does feel that the seal helps provide consumers with a higher degree of confidence that they are purchasing products that comply with quality and labeling standards.

Valve was not under any obligation to repair, replace or provide a refund for a game where the consumer had not contacted and attempted to resolve the problem with the computer game developer; and the statutory consumer guarantees did not apply to games sold by Valve.

This means that Valve is expected to abide by certain consumer guarantees concerning the quality of goods, including that they must meet the description provided, do everything that the purchaser expects them to do.

Who's going to perform all these conversions, who's going to provide the training to do it and what guarantees will consumers have that the cars will keep running five or 10 years down the line?

With consumers living longer, new products are being developed with extended guarantees, enhanced death benefits and long - term care riders to provide more benefits to customers.

We provide our 10 - day Satisfaction Guarantee so that if a consumer has reviewed their insurance plan, and believes that it may not meet his or her needs, they can cancel their policy and receive a full premium refund.

These innovative products can meet consumer demands and provide more guarantees by combining traditional long - term care insurance with the advantages of life insurance or annuity policies.

Traditional plans provide the dual advantage of guaranteed returns and protection for long term savings to consumers.

Cryptopia has a relatively large user base, provides an active social media presence and offers certain consumer guarantees in line with New Zealand law.

IDX information is provided exclusively for consumers» personal, non-commercial use and may not be used for any purpose other than to identify prospective properties to consumers that may be interested in purchasing, and that the data is deem reliable but not guaranteed accurate by the MLS.

Initial Mortgage Insurance Premium: This up - front fee is charged by the government and is intended to cover the guarantees provided by the FHA to the lender and the consumer.

MLS Internet Data Exchange (IDX) information is provided exclusively for consumers» personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the Grand Junction Area REALTOR Association MLS.

MLS Internet Data Exchange (IDX) information is provided exclusively for consumers» personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the Aspen Board of Realtors MLS.

MLS Internet Data Exchange (IDX) information is provided exclusively for consumers» personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the Sun Valley Board of REALTORS MLS.

Each Office is Independently Owned and Operated.MLS Internet Data Exchange (IDX) information is provided exclusively for consumers» personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the MLS.