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Consumers with Disability - Where to go for Advice or Complaints

It’s OK to speak up or complain Governments and service providers have a role to play in supporting people with disability. There are different services available for advice or help depending on the issue. This fact sheet will help you find the right...


Installment Contracts

We need to determine if your contract is an instalment contract. A contract can become an instalment contract for many reasons including:1. the deposit is more than 10%; or2. the deposit is stated to be non-refundable in all circumstances; or3. the...


Guide to Preparing Your Will

If you are over 18 years of age, you are eligible to make a Will and provide instructions for how your assets are to be distributed in the event of your passing. At the time of making your Will, you must be of a sound mind, memory and understanding,...


If I have Good and or Services in a class does that cover me for the whole class?

In this video, IP Australia explain that even though you may list something within a certain class, i.e. Class 9, doesn't mean you get registration for the entire class - you only get protection for the items that you select within Class 9. Keep in...


How do Guarantees work?

Often, when applying for an unsecured small business loan, you are required to provide a personal guarantee of the loan, either in full or part.A personal guarantee is unsecured, which means it is an amount not tied to any specific asset such as your...


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