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Consumer protection in international electronic contracts / C. ErasmusErasmus, Christo January 2011 (has links)
Since the Internet became available for commercial use in the early 90s, the way of
doing business was changed forever. The Internet and electronic commerce have
allowed people to carry out business by means of electronic communications, which
makes it possible for them to do business and to conclude contracts with people
situated within foreign jurisdictions. The need for consumer protection in electronic
commerce has become necessary because of the misuse of aspects peculiar to
electronic–commerce. Consumers have been cautious to make use of electroniccommerce,
as they are uncertain about the consequences that their actions might
have. Consumers will only utilise e–commerce if they have confidence in the legal
system regulating it; therefore, legislation was needed to regulate their e–commerce
activities. In 2002, the Electronic Communications and Transactions Act, 2002 was
introduced into South African law as the first piece of legislation that would deal
exclusively with electronic communications. Chapter VII of this particular act deals
exclusively with consumer protection and seeks to remove certain uncertainties
imposed by e–commerce. This is done by providing the South African consumer with
statutory rights and obligations when engaging in electronic communications. The
Consumer Protection Act, 68 of 2008 is the most recent piece of legislation that aims
to promote a consistent legislative and enforcement framework relating to consumer
transactions and agreements. South African legislation dealing with electronic
commerce is relatively recent, and it is uncertain whether consumers are offered
sufficient protection when they conclude contracts with suppliers or sellers from a
foreign jurisdiction, that is, one that is situated outside South Africa.
After looking at the protection mechanisms in place for South African consumers
engaging in e–commerce, we have seen that there are certain problems that one
might experience when trying to determine the applicability of some of the consumer
protection measures to international electronic contracts. Most of the problems that
we have identified are practical of nature. Consumers may, for instance, find it hard
to execute their rights against foreign suppliers in a South African court, even if the
court has jurisdiction to adjudicate the matter. Another problem that we identified is
that some of the important terms in our legislation are too vaguely defined. Vague terms and definitions can lead to legal uncertainty, as consumers might find it hard to
understand the ambit of the acts, and to determine the applicability thereof on their
transactions. In order to look for possible solutions for South Africa, the author
referred to the legal position with regards to consumer protections in the United
Kingdom, and saw the important role that European Union legislation plays when
determining the legal position regarding consumer protection in the UK. The
legislation in the UK dealing with consumer protection is far more specific than the
South African legislation dealing with same. There is definitely consumer protection
legislation in place in South Africa but the ongoing technological changes in the
electronic commerce milieu make it necessary for our legislators to review consumer protection legislation on a regular basis to ensure that it offers sufficient protection
for South African consumers engaging in international electronic contracts. / Thesis (LL.M. (Import and Export Law))--North-West University, Potchefstroom Campus, 2012.
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Consumer protection in international electronic contracts / C. ErasmusErasmus, Christo January 2011 (has links)
Since the Internet became available for commercial use in the early 90s, the way of
doing business was changed forever. The Internet and electronic commerce have
allowed people to carry out business by means of electronic communications, which
makes it possible for them to do business and to conclude contracts with people
situated within foreign jurisdictions. The need for consumer protection in electronic
commerce has become necessary because of the misuse of aspects peculiar to
electronic–commerce. Consumers have been cautious to make use of electroniccommerce,
as they are uncertain about the consequences that their actions might
have. Consumers will only utilise e–commerce if they have confidence in the legal
system regulating it; therefore, legislation was needed to regulate their e–commerce
activities. In 2002, the Electronic Communications and Transactions Act, 2002 was
introduced into South African law as the first piece of legislation that would deal
exclusively with electronic communications. Chapter VII of this particular act deals
exclusively with consumer protection and seeks to remove certain uncertainties
imposed by e–commerce. This is done by providing the South African consumer with
statutory rights and obligations when engaging in electronic communications. The
Consumer Protection Act, 68 of 2008 is the most recent piece of legislation that aims
to promote a consistent legislative and enforcement framework relating to consumer
transactions and agreements. South African legislation dealing with electronic
commerce is relatively recent, and it is uncertain whether consumers are offered
sufficient protection when they conclude contracts with suppliers or sellers from a
foreign jurisdiction, that is, one that is situated outside South Africa.
After looking at the protection mechanisms in place for South African consumers
engaging in e–commerce, we have seen that there are certain problems that one
might experience when trying to determine the applicability of some of the consumer
protection measures to international electronic contracts. Most of the problems that
we have identified are practical of nature. Consumers may, for instance, find it hard
to execute their rights against foreign suppliers in a South African court, even if the
court has jurisdiction to adjudicate the matter. Another problem that we identified is
that some of the important terms in our legislation are too vaguely defined. Vague terms and definitions can lead to legal uncertainty, as consumers might find it hard to
understand the ambit of the acts, and to determine the applicability thereof on their
transactions. In order to look for possible solutions for South Africa, the author
referred to the legal position with regards to consumer protections in the United
Kingdom, and saw the important role that European Union legislation plays when
determining the legal position regarding consumer protection in the UK. The
legislation in the UK dealing with consumer protection is far more specific than the
South African legislation dealing with same. There is definitely consumer protection
legislation in place in South Africa but the ongoing technological changes in the
electronic commerce milieu make it necessary for our legislators to review consumer protection legislation on a regular basis to ensure that it offers sufficient protection
for South African consumers engaging in international electronic contracts. / Thesis (LL.M. (Import and Export Law))--North-West University, Potchefstroom Campus, 2012.
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The Electronic Contracting of Financial Services: Characteristics and Main Legal Implications / La Contratación Electrónica de Servicios Financieros: Características y Principales Implicancias LegalesYuta González, Maria del Carmen 10 April 2018 (has links)
The first part of the article seeks to highlight the importance that increasingly electronic trading experience in the field of financial services, and as a result of that the new expressions that arise in providing financial transactions through a conceptual distinction of services and financial channels. In this context, new challenges for the industry players requiring them continuing specialization and innovation in product design, in order to satisfy the current demands ofconsumers who have configured one profile increasingly informed, sophisticated technology in making their consumption decisions.In the second part of the article, I will describe the local regulation which applies to electronic contracting in comparison with the regulation that applies to the traditional contracting which use printed information and oral presentations. This section identifies also the main regulatory implications for the consumer and the industry, with reference of compared experiences that may be interesting to comment on the formulation of considerations if applicable. / En la primera parte del artículo se propone destacar la importancia que crecientemente experimenta la contratación electrónica en el ámbito de los servicios financieros, y como consecuencia de ello, las nuevas expresiones que surgen en la prestación de operaciones financieras pasando por una distinciónconceptual de servicios y canales financieros. En este contexto, se configuran nuevos retos para los actores de la industria de este tipo de servicios que les exige continua especialización e innovación en el diseño de productos, de modo que éstos estén en grado de satisfacer las exigencias actuales de consumidores que cuentan con un perfil cada vez más informado, sofisticado y tecnológico en la adopción de sus decisiones de consumo.En la segunda parte del artículo se describirá el tratamiento regulatorio local aplicable a la contratación electrónica de servicios financieros, destacando aquellos aspectos regulatorios que la distinguen respecto de la contratación tradicional, esto es, la contratación presencial por medios escritos. En esta sección se identificará a su vez las principales implicancias regulatoriasde cara al consumidor y a la industria, tomando como referencia experiencias regulatorias a nivel comparado que puedan resultar interesantes de comentar en la formulación de consideraciones a que hubiera lugar.
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