{"meta":{"key":"c_za--pass-08","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-08","path":"/research/c_za--pass-08/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":14,"claims":60,"sources":14,"review_status":"three_bounded_P11_repairs_addressed_with_holds","review_complete":true,"sha256":"3baa4c0feb16b04ae1dc660aaad05bf033e1484dfe988d087cb9b1d8ab83e88a","headings":["General consumer-service contract, disclosure, cancellation and refund gateway","G1.1 The hypothetical service may be a CPA “service”","G1.2 Territorial and supplier scope","G1.3 Natural consumers, juristic consumers and business purpose","G1.4 NCA credit-agreement exclusion and the separate service contract","G1.5 CPA contract compliance is not occupational permission","G1.6 Current direct-marketing overlay","G2.1 Plain language and an accessible written contract","G2.2 Online disclosures","G2.3 Fee forms","G2.4 Intermediary-specific disclosure is conditional","G2.5 Unfair price, terms and administration","G2.6 Regulation 44 “grey list”","G2.7 Marketing claims and guarantees","G2.8 Quality of service and partial refunds","G2.9 Advance and prepaid services","G3.1 CPA §14 fixed-term agreements","G3.2 CPA §16 direct-marketing cooling off","G3.3 CPA §17 advance bookings","G3.4 ECTA scope and consumer","G3.5 ECTA §43 disclosure failure","G3.6 ECTA §44 cooling off","G3.7 Service-start consent and other ECTA exclusions","G3.8 Delayed or unavailable electronic performance","G3.9 Foreign law and non-exclusion","G3.10 CPA business-day calculation","Workflow 1 — Free initial call, then paid in-person budgeting session","Workflow 2 — In-person direct marketing followed by immediate paper acceptance","Workflow 3 — Outbound electronic marketing and online acceptance","Workflow 4 — Consumer-initiated electronic service with immediate performance","Workflow 5 — Twelve-month periodic service cancelled early","Workflow 6 — Partially performed fixed fee with a misleading guarantee","Workflow 7 — Contingent fee where no settlement is accepted","Workflow 8 — Mixed legal work, fund control and a business customer","G1 — Applicability, actor and agreement: 16 rows","G2 — Formation, disclosure, fees and fairness: 20 rows","G3 — Cancellation and refund routes: 20 rows","G4 — Fictional workflows: 8 rows","G5 — Reviewed gaps and scope: 6 rows","Consistency checks","Exact next primary-source question"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-08","facets":{"geography":["international","c_za"],"debt_type":["contracts"],"stage":["origination"],"subject":["definitions-classification","agreements-disclosures"]},"scope":"ReviewedP05D02/D03privateCPA/ECTAcontractcancellationgatewayonly; P06P07unreviewednotadopted","pending_corrections":0},"markdown":"# SettleADebt C_ZA PASS-08 — South Africa\n\n## General consumer-service contract, disclosure, cancellation and refund gateway\n\n**Focused component:** A hypothetical independent, debtor-paid, non-legal service limited to budgeting information and consensual creditor negotiation.\n\n**Research access date:** 26 October 2026 PDT; 27 October 2026 UTC and SAST. Exact individual source-access times were not logged and are unknown.\n\n**Provenance:** P01–P03 and the reviewed portions of P05 remain subject to their stated holds. P04 remains incomplete. P06 and P07 are saved but await first coordinator review; none of their fee, payment, registration-condition or currentness conclusions is adopted here.\n\n**Disposition:** A separate paid budgeting or voluntary-negotiation service can fall within the Consumer Protection Act 68 of 2008 (CPA) as a consumer-service transaction when the statutory consumer, supplier, ordinary-course, consideration and South African nexus predicates are satisfied. That does not authorise statutory NCA debt counselling, legal practice, financial intermediation, creditor-side collection or custody of repayment money. The particular conduct must be classified independently before the contract gateway is used. [South African Government+2](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nThe principal cancellation routes are not interchangeable:\n\n- **CPA §14:** early termination of an applicable fixed-term agreement on 20 business days’ recorded notice, subject to accrued amounts and a reasonable cancellation charge.\n- **CPA §16:** five-business-day cooling off for a transaction resulting from direct marketing, except where ECTA §44 applies.\n- **CPA §17:** cancellation of an actual advance booking, reservation or order; it is not a generic cancellation rule for every consulting retainer.\n- **ECTA §43:** online-disclosure noncompliance may support cancellation within 14 days after receiving the services.\n- **ECTA §44:** a natural-person consumer’s qualifying electronic service transaction may be cancelled within seven days after conclusion, unless an exclusion applies; an advance payment must then be refunded within 30 days.\n- **ECTA §46:** delayed or unavailable electronic performance has its own cancellation/refund route. [South African Government+5](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nNo source read establishes a universal fee percentage, settlement charge, non-refundable retainer, earned-fee rule or automatic full refund for this hypothetical private service. The agreed fee structure remains subject to the contract’s actual trigger, CPA disclosure and fairness rules, performance, any applicable cancellation route and independently triggered professional law. NCR debt-counselling fee guidance is not private-service price authority. [South African Government+3](https://www.gov.za/sites/default/files/32186_467.pdf)\n\n# G1. Applicability, actor and agreement\n\n## G1.1 The hypothetical service may be a CPA “service”\n\nThe CPA’s definition of a **service** includes work or an undertaking performed by one person for another and the provision of information, advice or consultation, subject to specific exclusions such as advice that is regulated under the Financial Advisory and Intermediary Services Act. Its definitions of **business**, **consideration**, **consumer**, **supplier** and **transaction** collectively require attention to whether the supplier continually markets services, acts in the ordinary course of business and receives something of value directly or indirectly. A promise, indirect benefit or third-party payment may constitute consideration; a cash payment is not the only possible form. **C_ZA-P08-C001–C003.** [South African Government+3](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nA genuinely free preliminary conversation may not yet be a completed paid transaction, but the promotion and representations made during that call can still fall within CPA marketing provisions. A “free” call also does not settle whether the provider later receives referral money, commissions or another indirect benefit. **C009.** [South African Government+2](https://www.gov.za/sites/default/files/32186_467.pdf)\n\n## G1.2 Territorial and supplier scope\n\nThe CPA applies to covered transactions occurring within South Africa, covered promotion within South Africa, and the goods or services supplied under such transactions. If those predicates are met, §5(8) says application is not defeated merely because the supplier is outside South Africa, operates for profit or not for profit, or has a particular organisational form or public status. This does not mean that every foreign website is automatically subject to South African law; the transaction, promotion or performance nexus still must be established. **C004.** [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nA charity, nonprofit or “consumer advocacy” label therefore is not a blanket CPA exemption. Equally, CPA compliance does not itself grant permission to engage in a separately regulated profession or financial activity. **C004, C008.** [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf)\n\n## G1.3 Natural consumers, juristic consumers and business purpose\n\nThe CPA generally excludes a transaction where the consumer is a **juristic person** whose asset value or annual turnover at the time equals or exceeds the Ministerial threshold. Government Notice 294 of 2011 sets that threshold at **R2 million** and supplies its calculation method. P08 did not establish a later successor notice, so the 2011 figure is the last official threshold body located—not a certification that no later instrument exists. **C005.** [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/34181gon294.pdf)\n\nA juristic person below that threshold may remain within the CPA generally, but two narrower protections differ:\n\n- CPA §14 does **not** apply to transactions between juristic persons, irrespective of turnover or asset value.\n- ECTA Chapter VII defines its consumer as a **natural person** entering or intending to enter an electronic transaction as the end user. [South African Government+2](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nA natural person buying a service for business purposes is not automatically excluded from the whole CPA. However, the regulation 44 “grey-list” presumption is narrower: it applies to a for-profit supplier dealing with an individual who contracts mainly outside that individual’s business or profession. **C011, C022.** [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293b.pdf)\n\n## G1.4 NCA credit-agreement exclusion and the separate service contract\n\nCPA §5(2)(d) excludes a transaction that itself constitutes a credit agreement under the National Credit Act, while expressly preserving CPA application to goods or services that are the subject of the credit agreement. The debtor’s loan or credit-card agreement and the independent adviser’s separate service contract must therefore be classified separately. **C006–C007.** [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nA paid agreement for budgeting information or consensual negotiation is not transformed into an NCA credit agreement merely because it concerns the consumer’s debts. Conversely, calling a statutory §86 debt-review service “voluntary negotiation” does not remove it from the NCA. The actual assessment, representations, forms, creditor communications, authority and funds flow control. This pass does not decide that professional-perimeter question. **C007–C008.**\n\n## G1.5 CPA contract compliance is not occupational permission\n\nThe CPA regulates the consumer transaction; it does not grant:\n\n- NCR debt-counsellor status;\n- Legal Practice Act authority to provide reserved legal work;\n- FAIS authority for regulated financial-product advice or intermediation;\n- Debt Collectors Act authority;\n- PDA or payment-system authority to receive and distribute debt payments;\n- authority to hold money in an attorney or other statutory trust account.\n\nA supplier could comply with plain-language and cancellation rules while still lacking a separate permission required for the underlying work. Conversely, a properly licensed professional may still have CPA disclosure and fairness duties for a covered service contract. **C008, C053.**\n\n## G1.6 Current direct-marketing overlay\n\nThe Minister gazetted a 2026 amendment concerning the CPA opt-out registry. The official gov.za notice page identifies **Government Notice 7380, Gazette 54521, Regulation Gazette 11983, dated 15 April 2026**, but the attachment exposed by that page points to an unrelated Gazette file. The operative amending PDF therefore was not read from that portal and is not used to establish its exact clauses. **C048.** [South African Government+1](https://www.gov.za/documents/notices?amp%3Bamp%3Bamp%253Border=field_gcisdoc_document_date&amp%3Bamp%3Bamp%253Bsort=desc&order=title&page=340&sort=asc)\n\nOfficial NCC statements say the amendment concerns regulation 4, direct-marketer registration, list cleansing and pre-emptive blocks. The registry launched on 7 October 2026 under a phased implementation plan. These are current marketing-contact rules, not amendments to the CPA §14, §16 or ECTA §44 cancellation periods. The October 2026 guidelines were still published for comment and expressly describe themselves as non-binding on the Commission, Tribunal and courts. **C048.** [The National Consumer Commission+2](https://thencc.org.za/ncc-welcomes-regulations-to-curb-spam-calls/)\n\n# G2. Formation, disclosure, pricing and unfair terms\n\n## G2.1 Plain language and an accessible written contract\n\nA CPA-required notice or document must use the prescribed form, if any, or plain language. The test is whether an ordinary member of the intended consumer class, with average literacy and minimal relevant consumer experience, can understand its content, significance and effect without undue effort. Organisation, vocabulary, sentence structure, consistency, headings and examples matter. **C012.** [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nWhere the consumer agreement is in writing, §50 requires a free copy or free electronic access to the terms. The agreement must satisfy the plain-language requirement and contain an itemised breakdown of the consumer’s financial obligations. A signature does not cure noncompliance or make an unlawful term valid. **C019.** [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nFor a non-electronic transaction, §26 generally requires a written transaction record. That section expressly steps aside where ECTA §43 applies. The record should identify the supplier, transaction date, service description and relevant price/tax totals subject to its exact statutory and regulatory qualifications. **C013.** [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf)\n\n## G2.2 Online disclosures\n\nFor an electronic transaction, ECTA §43 requires the online supplier to make material information available, including:\n\n- full name, legal status and physical/contact details;\n- applicable registration and professional information;\n- material service characteristics;\n- the **full price**, including taxes, fees and other costs;\n- payment method;\n- all governing terms and how the consumer can store or reproduce them;\n- the time for performance;\n- record-access arrangements;\n- refund policy;\n- security and privacy policy;\n- minimum duration for recurring services; and\n- §44 cooling-off rights where applicable.\n\nThe consumer must be able to review the whole transaction, correct mistakes and withdraw before finally placing the order. **C014, C036–C037.** [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf)\n\nA hyperlink labelled “terms” is not necessarily enough if the consumer cannot access, store and reproduce the actual terms or if charges are hidden until after acceptance.\n\n## G2.3 Fee forms\n\nThe CPA does not establish a universal percentage or monetary cap for the hypothetical private service. An agreement may instead propose, for example:\n\n- an advance fixed fee;\n- staged fixed fees;\n- a monthly or periodic fee;\n- a fee contingent on a defined contractual event;\n- reimbursement of separately identified expenses; or\n- third-party compensation.\n\nEach structure must state what work is included, the objective trigger for earning or charging the amount, when payment becomes due, what happens if the consumer cancels, and whether a third party pays anything to the provider. **C015, C047.** [South African Government+2](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nNo fee is validated merely because the consumer clicked “I agree.” Sections 48–52 can still apply to an advance, periodic or contingent fee that is excessively one-sided, misleading or disproportionate to performance.\n\n## G2.4 Intermediary-specific disclosure is conditional\n\nCPA §27 and regulations 9–10 impose additional disclosure and recordkeeping obligations on an actor who meets the statutory definition of an **intermediary**. The regulation requires, among other things, identity and registration details, exact service, fee or basis of calculation on request, other recoverable costs and circumstances, accounting frequency, third-party commissions, conflicts of interest and written/plain-language financial information. It also specifies a three-year record period. **C016.** [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf)\n\nA voluntary negotiator is not automatically an “intermediary” merely because it communicates with a creditor. The statutory definition, exclusions, actual agency role and remuneration must be tested first.\n\n## G2.5 Unfair price, terms and administration\n\nCPA §48 prohibits supplying, marketing, negotiating, entering into or administering a transaction at an unfair, unreasonable or unjust price or on unfair terms. Relevant indicators include excessive one-sidedness, terms so adverse as to be inequitable, reliance on misleading representations and failure to draw §49 terms to the consumer’s attention properly. **C017.** [South African Government+2](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nTerms that limit supplier liability, shift risk, require indemnity or constitute an acknowledgment by the consumer must be conspicuous, in plain language and presented before the consumer enters the agreement, starts the relevant activity or makes the relevant payment. The consumer must have an adequate opportunity to understand them. **C018.** [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nSection 51 separately prohibits provisions designed to defeat the CPA, mislead the consumer, waive CPA protections impermissibly or exclude supplier liability for gross negligence. A contravening term may be void to the extent specified by the Act. Broader consequences generally require the applicable statutory process or adjudication; provider misconduct does not automatically erase the consumer’s unrelated debts. **C020–C021.** [South African Government+2](https://www.gov.za/sites/default/files/32186_467.pdf)\n\n## G2.6 Regulation 44 “grey list”\n\nRegulation 44 creates a narrower presumption of unfairness for a contract between:\n\n- a supplier acting for profit and mainly for business or professional purposes; and\n- an individual consumer contracting mainly outside that consumer’s business or profession.\n\nThe list is indicative and non-exhaustive: a listed term can be fair in context, and an unlisted term can still be unfair under §§48–52. **C022.** [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293b.pdf)\n\nPotentially relevant listed effects include terms that:\n\n- permit unilateral price changes without an adequate termination right;\n- let the supplier determine unilaterally whether performance conforms;\n- retain the consumer’s payment when the supplier does not perform without comparable consumer compensation;\n- require disproportionate compensation for cancellation or breach;\n- compel the consumer to perform despite the supplier’s material nonperformance;\n- permit unilateral termination or variation without fair reciprocal rights;\n- unduly limit remedies, evidence or access to proceedings.\n\nThe list does not establish that every “non-refundable” term is automatically void. Its exact text, context, performance and proportionality still matter. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293b.pdf)\n\n## G2.7 Marketing claims and guarantees\n\nA supplier must not use pressure, harassment, undue influence or unfair tactics in marketing, negotiation, collection or enforcement. It also must not falsely or misleadingly represent the nature, benefits, conditions, price, approval, authority, timing or likely result of the service. **C023.** [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nClaims such as “guaranteed settlement,” “creditors must accept,” “we can stop every lawsuit,” “NCR approved,” or “the fee is legally mandated” therefore require an actual legal and factual basis. A disclaimer buried elsewhere does not necessarily cure the initial representation.\n\n## G2.8 Quality of service and partial refunds\n\nCPA §54 gives a consumer rights to timely performance, timely notice of unavoidable delay, performance of a quality consumers are generally entitled to expect and proper handling of consumer property. If the supplier fails that standard, the consumer may require correction of the defect or a **reasonable portion** of the price refunded, having regard to the extent of the failure. It is not an automatic full-refund rule whenever a creditor rejects an offer. **C024, C048.** [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nA voluntary-negotiation provider ordinarily cannot guarantee acceptance by a creditor. The relevant service-quality question is generally whether the provider performed the promised work competently and timely—not whether a third party made the hoped-for commercial concession, unless the contract unlawfully or expressly guaranteed that result.\n\n## G2.9 Advance and prepaid services\n\nCPA §64 applies where an agreement requires a one-time or periodic membership charge, or payment for services to be supplied more than 25 business days after payment. The amount remains the consumer’s property until charged in accordance with the section, and the supplier may charge once monthly in advance for the pro-rata cost of the ensuing month. **C025.** [South African Government+2](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nThis is not a blanket rule that every advance consulting fee is earned monthly. A retainer involving immediate work, later work and separately defined stages requires a factual allocation. Section 65 separately requires a supplier possessing consumer money or other consumer property not to treat it as its own and to use appropriate care, subject to the section’s exclusions. **C026.** [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf)\n\n# G3. Cancellation and refund routes\n\n## G3.1 CPA §14 fixed-term agreements\n\nSection 14 does not apply to a transaction between juristic persons. For an applicable fixed-term consumer agreement, the consumer may cancel before expiry by giving **20 business days’ notice in writing or another recorded form**. The consumer remains liable for amounts owed through the cancellation date, and the supplier may impose only a reasonable cancellation penalty. **C027–C030.** [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nRegulation 5 generally caps fixed terms at **24 months from signature**, unless a longer term is expressly agreed and gives the consumer a demonstrable financial benefit, or another valid sector regulation or code provides differently. **C027.** [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf)\n\nReasonableness of a cancellation charge depends on factors including:\n\n- amounts due through cancellation;\n- value supplied through cancellation;\n- retained or returned goods;\n- original duration;\n- loss or benefit from entry into the agreement;\n- nature of services;\n- notice length;\n- reasonable replacement potential; and\n- industry practice.\n\nThe charge cannot negate the cancellation right. No fixed percentage or “all remaining monthly fees” formula is supplied. **C030.** [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf)\n\nThe supplier must also give an expiry notice **40 to 80 business days** before fixed-term expiry. Unless the consumer terminates or agrees to another fixed term, the agreement rolls to month-to-month on the notified terms. **C029.** [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf)\n\n## G3.2 CPA §16 direct-marketing cooling off\n\nA transaction resulting from direct marketing may be rescinded without reason or penalty through written or other recorded notice within **five business days** after the later of:\n\n- conclusion of the agreement; or\n- delivery of goods.\n\nFor a service-only contract with no delivered goods, the relevant starting event is ordinarily the agreement date. **C031.** [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nWhere no goods were delivered, the supplier must return payment within **15 business days after receiving the rescission notice** and must not continue collecting under the rescinded transaction, subject to the Act’s limited qualification. **C032.** [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nSection 16 expressly says it does **not** apply if ECTA §44 applies to the transaction. It is therefore not an extra five-business-day period stacked onto an applicable seven-day ECTA period. **C033, C045.** [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf)\n\n## G3.3 CPA §17 advance bookings\n\nSection 17 addresses an actual advance booking, reservation or order for later supply. The supplier may require a reasonable deposit and may impose a reasonable cancellation charge, considering the service’s nature, notice length, reasonable replacement possibility and industry practice. No cancellation charge may be imposed when the booking cannot be honoured because of the beneficiary’s death or hospitalisation. **C034.** [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nAn ongoing advisory retainer is not automatically a “reservation.” Section 17 should not be substituted for §14, §16, ECTA or the contract’s ordinary termination provisions without the actual booking facts.\n\n## G3.4 ECTA scope and consumer\n\nECTA Chapter VII applies only to **electronic transactions**. Its consumer is a **natural person** entering or intending to enter the electronic transaction as the end user. A juristic-person customer cannot rely on the Chapter’s consumer cooling-off provisions merely because the contract was signed online. **C035.** [South African Government+2](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf)\n\nA consumer-initiated website purchase can qualify even though there was no direct marketing. This is a major difference from CPA §16, which requires that the transaction result from direct marketing.\n\n## G3.5 ECTA §43 disclosure failure\n\nAn online supplier must make the §43 information available and provide a pre-order opportunity to review, correct and withdraw. If it fails to comply with those duties, the consumer may cancel within **14 days of receiving the services**. The consumer must cease using the services, and the supplier must refund payments minus any applicable direct goods-return cost. Section 43(4) does not state a separate refund deadline for this route. **C036–C038.** [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf)\n\nFor a continuing information or negotiation service, the date on which services were “received” may be fact-sensitive. It should not be replaced automatically by the payment date or first login date.\n\n## G3.6 ECTA §44 cooling off\n\nFor a qualifying electronic transaction supplying services, a natural-person consumer may cancel without reason or penalty within **seven days after the agreement was concluded**. If payment occurred before cancellation, the consumer is entitled to a full refund within **30 days after cancellation**. **C039–C040.** [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf)\n\nECTA uses “days,” not “business days,” in this section. P08 did not complete a general Interpretation Act or electronic-notice computation analysis, so it does not fabricate a precise midnight or receipt rule for a real agreement. **C047.**\n\n## G3.7 Service-start consent and other ECTA exclusions\n\nECTA §44 does not apply to a service that **began with the consumer’s consent before the end of the seven-day period**. Both actual commencement and consent are material. A generic clause saying “the consumer waives all rights” is not the same as proving the service began with the required consent, and ECTA §48 renders contractual exclusion of Chapter VII rights void. **C041.** [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf)\n\nOther §44 exclusions include specified financial services, auctions, market-price-dependent services and particular date-specific accommodation, transport, catering and leisure services. A budgeting or negotiation service is not automatically a “financial service”; its actual activities and products require classification. **C042.** [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf)\n\nA difficult overlap remains: when ECTA §44 is excluded because the service began with consent, CPA §16 says only that it steps aside when §44 **applies**. P08 has not located an authoritative current primary interpretation establishing whether CPA §16 then revives automatically for an electronically concluded direct-marketing transaction. That branch remains unresolved rather than being turned into a universal hierarchy. **C045.**\n\n## G3.8 Delayed or unavailable electronic performance\n\nUnless the parties agree otherwise, ECTA §46 requires execution of the electronic order within 30 days. If the supplier fails to perform within the required period, the consumer may cancel on seven days’ written notice. If performance is impossible because the service is unavailable, the supplier must notify the consumer immediately and refund payments within 30 days after that notice. **C043.** [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf)\n\nThis is distinct from:\n\n- cooling off without cause;\n- cancellation for misleading claims;\n- termination under a fixed-term contract; and\n- a CPA §54 remedy for defective service.\n\n## G3.9 Foreign law and non-exclusion\n\nECTA §47 says Chapter VII’s consumer protections apply irrespective of the legal system selected by the agreement, and §48 renders an exclusion of Chapter VII rights void. Those provisions do not resolve international service, jurisdiction, recognition or enforcement against a foreign supplier, all of which remain deferred. **C044.** [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf)\n\n## G3.10 CPA business-day calculation\n\nCPA §2(6) provides that where the Act prescribes business days:\n\n1. exclude the day on which the triggering event occurs;\n2. include the day on which the required act occurs; and\n3. exclude public holidays, Saturdays and Sundays.\n\n**C046.** [South African Government+2](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nSouth Africa’s ordinary 2026 public-holiday list applies, and Proclamation 346 of 2026 separately declared **Wednesday, 4 November 2026** a public holiday throughout the Republic for local-government elections. **C046.** [South African Government+2](https://www.gov.za/about-sa/public-holidays)\n\n# G4. Eight fictional workflow classifications\n\nThese are invented legal-classification exercises. They do not determine a real provider’s authority, quote a current fee, calculate debt savings or give an actual consumer a deadline.\n\n## Workflow 1 — Free initial call, then paid in-person budgeting session\n\n**Assumed facts**\n\n- A business advertises a free 20-minute telephone introduction.\n- The consumer initiates the call.\n- No contract or referral payment arises from the free call.\n- The consumer later attends an office and signs a once-off paid budgeting-information contract.\n- No creditor negotiation, legal work or money handling occurs.\n\n**Classification**\n\nThe free call may be promotion but is not necessarily a paid transaction because consideration has not yet been established. The later in-person contract can be a CPA service transaction. ECTA cooling-off is not engaged merely because the first conversation used a telephone. CPA §16 applies only if the paid transaction resulted from **direct marketing**; the fact that the consumer initiated the relationship weighs against that classification but does not decide it if the supplier later made a direct offer. **C001–C003, C009–C010.**\n\n**Required documents**\n\nMarketing source, call direction, remuneration/referral arrangements, signed service description, price and itemised obligations.\n\n**Adverse branch**\n\nIf the “free” call includes personalised statutory debt-review assessment, legal advice or a paid creditor referral, additional regimes may be triggered.\n\n**Missing proof**\n\nActual service acts and remuneration.\n\n## Workflow 2 — In-person direct marketing followed by immediate paper acceptance\n\n**Assumed facts**\n\n- On **Friday, 30 October 2026**, a representative approaches a consumer in person at a shopping centre.\n- The consumer signs a paper-only service contract that day.\n- No goods are supplied.\n- ECTA §44 does not apply.\n- The consumer sends and the supplier receives recorded rescission notice on **Monday, 9 November 2026**.\n\n**Five-business-day computation**\n\nTrigger day 30 October is excluded.\n\n| Count | Date | Treatment |\n| --- | --- | --- |\n| — | Sat 31 Oct / Sun 1 Nov | Weekend, excluded |\n| 1 | Mon 2 Nov | Business day |\n| 2 | Tue 3 Nov | Business day |\n| — | Wed 4 Nov | Proclaimed public holiday, excluded |\n| 3 | Thu 5 Nov | Business day |\n| 4 | Fri 6 Nov | Business day |\n| — | Sat 7 / Sun 8 Nov | Weekend, excluded |\n| 5 | Mon 9 Nov | Final assumed CPA §16 day |\n\nUnder the assumed facts, notice on 9 November is within the statutory five-business-day period. **C031, C046, C050.** [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf)\n\n**Refund computation**\n\nNo goods were delivered, so the 15-business-day refund period runs after receipt of notice on 9 November:\n\n- days 1–4: 10–13 November;\n- days 5–9: 16–20 November;\n- days 10–14: 23–27 November;\n- day 15: **Monday, 30 November 2026**.\n\nThe result assumes notice was actually received on 9 November and no additional public holiday occurred in that period. **C032, C046, C050.**\n\n**Adverse branch**\n\nIf the agreement was actually an electronic transaction to which ECTA §44 applied, CPA §16 would step aside.\n\n## Workflow 3 — Outbound electronic marketing and online acceptance\n\n**Assumed facts**\n\n- The supplier sends a targeted marketing message.\n- The natural-person consumer clicks a link and accepts online.\n- No service begins during the first seven days.\n- ECTA Chapter VII otherwise applies.\n\n**Classification**\n\nThis is both direct marketing and an electronic transaction, but CPA §16 expressly yields if ECTA §44 applies. The qualifying cooling-off route is therefore ECTA’s seven-day service rule, with a 30-day refund after cancellation if advance payment was made. **C033, C035, C039–C040.**\n\n**Clock**\n\nLet T be the legally established agreement-conclusion date:\n\n- cancellation period: T + the statutory seven-day period;\n- refund after valid cancellation at C: within C + 30 days.\n\nP08 does not convert those ordinary-day periods to business days or invent an exact cutoff time. **C047.**\n\n**Adverse branch**\n\nIf the service began with the consumer’s consent before the seven-day period ended, §44 may be excluded. The separate §43 disclosure duties still require analysis.\n\n**Missing documents**\n\nElectronic acceptance record, terms presented, time of conclusion, service-start log, consent and payment record.\n\n## Workflow 4 — Consumer-initiated electronic service with immediate performance\n\n**Assumed facts**\n\n- The consumer finds the website independently.\n- There was no outbound direct marketing.\n- The online contract states that work may start immediately.\n- The consumer checks a separate box requesting immediate commencement.\n- The supplier actually begins reviewing the budget the same day.\n\n**Classification**\n\nCPA §16 is not triggered because the transaction did not result from direct marketing. ECTA §44 ordinarily covers a natural-person electronic service transaction, but §42(2)(d) may remove that cooling-off right where the service actually began with consent before the period ended. **C035, C041.**\n\nThis does not eliminate ECTA §43 disclosure duties, CPA unfair-term rules or remedies for nonperformance. The separate consent should not be described as a universal waiver.\n\n**Adverse branch**\n\nA pre-ticked box, hidden term or no actual service commencement may fail the factual predicate. P08 does not determine the validity of a particular interface.\n\n## Workflow 5 — Twelve-month periodic service cancelled early\n\n**Assumed facts**\n\n- A natural-person consumer enters a 12-month advisory contract.\n- The contract is not electronic and did not result from direct marketing.\n- On **Monday, 2 November 2026**, the supplier receives written cancellation notice.\n- §14 applies.\n\n**Twenty-business-day computation**\n\nThe notice day is excluded. November 4 is excluded as a public holiday, and weekends are excluded:\n\n- day 1: Tuesday, 3 November;\n- day 2: Thursday, 5 November;\n- days 3–18: 6–27 November, excluding weekends;\n- day 19: Monday, 30 November;\n- day 20: **Tuesday, 1 December 2026**.\n\nThe assumed termination point is therefore after the 20-business-day notice period ending 1 December. **C028, C046, C049.** [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf)\n\nThe consumer remains responsible for amounts properly owed through cancellation. Any extra penalty must be reasonable under regulation 5’s multi-factor test; it cannot automatically equal every remaining monthly fee or defeat the right to cancel. No numerical penalty is calculated because the regulation provides factors, not a universal formula. **C030.**\n\n**Adverse branch**\n\nSection 14 would not apply if both contracting parties were juristic persons.\n\n## Workflow 6 — Partially performed fixed fee with a misleading guarantee\n\n**Assumed facts**\n\n- The contract charges a single fictional fixed fee for budget preparation and three creditor approaches.\n- The supplier completes the budget but makes no creditor approaches.\n- Marketing promised that every creditor would accept a reduction.\n\n**Classification**\n\nThe guarantee may be false or misleading under §41. Failure to perform the creditor work may engage §54, allowing correction or a reasonable partial refund based on the extent of the failure. It does not automatically determine that the entire fee must be refunded; equally, a “non-refundable” clause does not automatically defeat statutory rights. **C017–C024, C048, C051.**\n\n**Missing documents**\n\nExact promise, work records, fee allocation, cancellation route and actual creditor mandate.\n\n**Adverse branch**\n\nIf the provider accurately promised only to make reasonable proposals and did so competently, creditor rejection alone may not establish defective service.\n\n## Workflow 7 — Contingent fee where no settlement is accepted\n\n**Assumed facts**\n\n- The contract says a fee becomes due only if a creditor accepts a signed settlement.\n- The provider sends proposals, but no creditor accepts.\n- No separate administration fee is stated.\n\n**Classification**\n\nOn the assumed wording, the contractual contingency has not occurred. The supplier cannot turn a success-only fee into an earned fixed fee solely by asserting that work was performed. **C015, C047, C052.**\n\n**Adverse branch**\n\nA different contract may have separately disclosed staged charges. Their fairness, performance and disclosure would require independent analysis.\n\n**Missing proof**\n\nFull agreement, definition of “acceptance,” creditor communications and invoice.\n\n## Workflow 8 — Mixed legal work, fund control and a business customer\n\n**Assumed facts**\n\n- A small company below the R2 million threshold buys online assistance.\n- The provider proposes to draft court papers, hold repayments and negotiate creditor releases.\n- The customer is a juristic person.\n\n**Classification**\n\nThe CPA may apply generally because the company is below the threshold, but CPA §14 does not apply between juristic persons and ECTA Chapter VII’s consumer definition is limited to a natural person. Regulation 44’s individual-consumer presumption also does not apply. Sections 48–52 may still matter if the CPA otherwise applies. **C005, C011, C022, C054.**\n\nThe proposed legal work and money custody require separate professional and payment-authority analysis. CPA contract compliance does not authorise them. **C008, C053.**\n\n**Missing proof**\n\nEntity accounts, contract purpose, actual service acts, legal-professional status and funds-flow authority.\n\n# G5. Reviewed gap reconciliation\n\n| Reviewed P05 row | Original literal reviewed wording | P08 narrow finding | Disposition |\n| --- | --- | --- | --- |\n| **D02 — Private voluntary negotiator charges** | “What contract/consumer/professional law governs a non-§86 private settlement service?” | A covered private service may be governed by CPA formation, marketing, fairness, performance, fixed-term and cancellation rules and, if electronic, ECTA Chapter VII. No universal private fee amount or percentage is supplied. Separate professional-authority and actual-contract questions remain. **C001–C026, C047, C052–C055.** | **Partial substantive completion.** Consumer-contract gateway answered conditionally; professional permission, current private terms and fee entitlement remain open. |\n| **D03 — Full consumer contracts, disclosures, CPA, distance contracts, cancellation and generic refunds** | “Which current statutes/terms create cancellation/refund rights independent of NCR fee guidance?” | CPA §§14, 16, 17, 22, 40–54 and 64–65; regulations 5, 9–10 and 44; and ECTA §§42–48 supply distinct conditional routes. No single universal cancellation/refund rule exists. **C012–C050, C055–C056.** | **Partial substantive completion.** Statutory gateways mapped; actual contract, exact route, remedies, professional law, local law and full currentness remain open. |\n| **P05 NCR fee figures** | Dated NCR guidance amounts were not current private-service price authority. | No NCR price or fee formula is imported. | **Preserved.** |\n| **P06 PDA component** | Saved but awaiting first review. | No P06 client-money or fee premise adopted. | **Preserved as unreviewed. C057.** |\n| **P07 fee-currentness component** | Saved but awaiting first review. | No P07 fee-currentness or registration-condition premise adopted. | **Preserved as unreviewed. C057.** |\n| **Whole-country/A097/A098** | All broader holds retained. | National CPA/ECTA gateway is not all-provincial/local or foreign-law acceptance. | **Unresolved/held. C058–C060.** |\n\n# Authority and route comparison\n\n| Question | CPA / ECTA route | Key trigger | Principal effect | Key limitation |\n| --- | --- | --- | --- | --- |\n| Is the service contract covered? | CPA §§1, 5–6 | Consumer, supplier, ordinary course, consideration, South African nexus, no applicable exemption | CPA contract/marketing protections | Does not authorise regulated work |\n| Fixed term | CPA §14 + reg 5 | Applicable natural-person fixed-term consumer agreement | 20-business-day early cancellation; reasonable charge | §14 excludes juristic-person transactions |\n| Direct marketing | CPA §16 | Transaction resulted from direct marketing; ECTA §44 does not apply | Five-business-day rescission; 15-business-day refund for service-only transaction | Not stacked with applicable ECTA §44 |\n| Advance reservation | CPA §17 | Actual later booking/reservation/order | Cancellation with reasonable charge | Not every advisory retainer |\n| Defective service | CPA §54 | Untimely, defective or substandard performance | Remedy or reasonable partial refund | Not automatic full refund |\n| Prepaid future service | CPA §64 | Membership charge or service more than 25 business days after payment | Consumer ownership; monthly pro-rata charging | Allocation may be fact-sensitive |\n| Online disclosure failure | ECTA §43 | Electronic transaction plus missing mandatory information/review mechanism | Cancellation within 14 days after receiving service | Refund subsection gives no express deadline |\n| Electronic cooling off | ECTA §44 | Natural-person end-user, qualifying electronic service transaction | Seven-day cancellation; 30-day refund | §42 exclusions, including service begun with consent |\n| Electronic delay/unavailability | ECTA §46 | Failure within agreed/default period or unavailability | Seven-day written cancellation route or 30-day refund after unavailability notice | Separate from cooling off |\n| Unfair term | CPA §§48–52 / reg 44 | Unfair price/term/manner or prohibited term | Regulatory/adjudicative correction, severance or other order | Outcome not automatic from allegation |\n\n# Full source register — C_ZA-P08-S001 onward\n\nEvery fresh source below was accessed on **26 October 2026 PDT / 27 October 2026 UTC**. Exact per-source clock times are unknown. PDF page indices are zero-based; printed Gazette pages are listed separately where verified.\n\n| Source ID | Issuer, title and complete literal HTTPS URL | Exact pinpoints and pages read | Status, commencement and read limits |\n| --- | --- | --- | --- |\n| **C_ZA-P08-S001** | Presidency/Parliament, *Consumer Protection Act 68 of 2008*, GG32186, GoN467, 29 April 2009. https://www.gov.za/sites/default/files/32186_467.pdf | Definitions **PDF P8–14 / printed GG pp16–28**; §§2, 4–6 **P16–19 / pp32–38**; §§14,16,17 **P24–27 / pp48–54**; §§22–33 **P31–36 / pp62–72**; §§40–41 **P42–43 / pp84–86**; §§48–54 **P48–53 / pp96–106**; §§64–69 **P59–61 / pp118–122**; ECTA amendment Schedule 1 **P88 / printed p176**. | **Fresh enacted primary body read and relevant page images inspected.** Original enacted Act plus its own consequential amendments; not a complete certified consolidation of every post-2009 amendment. General effective date established separately by S002. [South African Government+3](https://www.gov.za/sites/default/files/32186_467.pdf) |\n| **S002** | Minister, *Consumer Protection Act: Deferring of General Effective Date*, General Notice 917, GG33581, 23 September 2010. https://www.gov.za/sites/default/files/gcis_document/201409/33581917.pdf | Entire notice **PDF P0 / printed GG p3**. | **Fresh official body read.** Defers the general effective date to **31 March 2011**. Does not determine the effective date of every later amendment. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/33581917.pdf) |\n| **S003** | Minister, *Determination of Threshold in terms of the Consumer Protection Act*, GoN294, GG34181, 1 April 2011. https://www.gov.za/sites/default/files/gcis_document/201409/34181gon294.pdf | R2 million determination **PDF P0 / GG p3**; asset and turnover calculation **P1–P2 / pp4–5**. | **Fresh final Ministerial notice read.** A bounded official search did not establish a successor, but nonexistence is not claimed. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/34181gon294.pdf) |\n| **S004** | Minister, *Consumer Protection Act Regulations — Part A*, GoN R293, GG34180, 1 April 2011. https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf | Regulation 5 fixed terms **PDF P12–13 / GG pp15–16**; regulations 9–10 intermediary disclosures/records **P16–19 / GG pp19–22**; relevant regulation 4 registry text inspected for currentness comparison. | **Fresh final regulations read.** Later 2026 amendment to regulation 4 exists, but its operative PDF was not successfully obtained from the official notice attachment; no claim that the entire 2011 regulations remain unamended. [South African Government+2](https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf) |\n| **S005** | Minister, *Consumer Protection Act Regulations — Part B*, GoN R293, GG34180, 1 April 2011. https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293b.pdf | Regulation 44 **PDF P11–15 / GG pp56–61**; relevant prescribed notices/exemptions **P16–40** only as necessary. | **Fresh final regulations read.** Regulation 44’s individual/private-purpose presumption is distinguished from the broader Act. Later amendments not exhaustively excluded. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293b.pdf) |\n| **S006** | Parliament, *Electronic Communications and Transactions Act 25 of 2002*, GG23708, 2 August 2002. https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf | Definitions **PDF P5–8**; Chapter VII §§42–48 **P21–23 / printed GG pp42–46**; §49 historical text **P23**; §95 commencement **P40**. | **Fresh enacted primary body read and relevant page images inspected.** Original Act, not a complete 2026 consolidation. CPA amendment to §49 and later Cybercrimes changes considered separately. [South African Government+3](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf) |\n| **S007** | South African Government, *Electronic Communications and Transactions Act 25 of 2002* legislative record. https://www.gov.za/documents/electronic-communications-and-transactions-act | HTML commencement and amendment metadata; PDF index not applicable. | **Fresh official metadata read.** Records commencement on **30 August 2002**, Gazette 23809, and identifies CPA and Cybercrimes amendments. Metadata is not a substitute for a current consolidated statutory body. [South African Government](https://www.gov.za/documents/electronic-communications-and-transactions-act) |\n| **S008** | Presidency/Parliament, *Cybercrimes Act 19 of 2020*, GG44651, GoN324. https://www.gov.za/sites/default/files/gcis_document/202106/44651gon324.pdf | ECTA consequential amendments around **PDF P87**; printed Gazette page not independently reconciled. | **Fresh enacted body read only for amendment scope.** It removes/substitutes later ECTA cybercrime provisions, not Chapter VII §§42–48. This is not a full post-2020 ECTA currentness audit. [South African Government+2](https://www.gov.za/sites/default/files/gcis_document/202106/44651gon324.pdf) |\n| **S009** | South African Government, *Consumer Protection Act: Amendment*, GG54521, RG11983, GoN7380, 15 April 2026. https://www.gov.za/documents/notices/consumer-protection-act-amendment-15-apr-2026 | HTML notice identity only; no PDF page index. The displayed attachment links to 54524gen3894.pdf, an unrelated file. | **Fresh official metadata page; failed/mislinked primary-body candidate.** Establishes notice identity but not the text of the amendment. Exact clauses are not inferred from the erroneous attachment. [South African Government+1](https://www.gov.za/documents/notices/consumer-protection-act-amendment-15-apr-2026) |\n| **S010** | National Consumer Commission, *NCC Welcomes Regulations to Curb Spam Calls*, 17 April 2026. https://thencc.org.za/ncc-welcomes-regulations-to-curb-spam-calls/ | HTML paragraphs identifying regulation 4/§11(3), registration, cleansing and administration; PDF index not applicable. | **Fresh official regulator explanation.** Guidance/current implementation evidence, not the amending regulation itself and not a cancellation/refund instrument. [The National Consumer Commission](https://thencc.org.za/ncc-welcomes-regulations-to-curb-spam-calls/) |\n| **S011** | National Consumer Commission, *NCC Launches the National Opt-Out Registry to Curb Unwanted Direct Marketing*, 7 October 2026. https://thencc.org.za/ncc-launches-the-national-opt-out-registry-to-curb-unwanted-direct-marketing/ | HTML phased implementation paragraphs; PDF index not applicable. | **Fresh official regulator statement.** Establishes announced implementation phases; does not amend CPA/ECTA cooling-off periods or constitute business/professional licensing. [The National Consumer Commission](https://thencc.org.za/ncc-launches-the-national-opt-out-registry-to-curb-unwanted-direct-marketing/) |\n| **S012** | National Consumer Commission, *Draft Guidelines for Compliance with the Opt-Out Registry Regulations and Extension Notice*, October 2026. https://thencc.org.za/wp-content/uploads/2026/10/NCC-Guidelines-Notice-of-Extension-and-NCC-Guidelines-Opt-Out-Registry-Guidelines.pdf | Regulatory description **PDF P2–5**; obligations **P5–15**; non-binding clause **P11**; summary **P12**. | **Fresh draft/consultation body read.** It expressly says the guidelines do not bind the Commission, Tribunal or courts. Not used as operative cancellation law. [The National Consumer Commission](https://thencc.org.za/wp-content/uploads/2026/10/NCC-Guidelines-Notice-of-Extension-and-NCC-Guidelines-Opt-Out-Registry-Guidelines.pdf) |\n| **S013** | South African Government, *Public Holidays in South Africa — 2026*. https://www.gov.za/about-sa/public-holidays | HTML 2026 holiday list and Sunday-observance explanation; PDF index not applicable. | **Fresh official public-information body.** Used only for the fictional CPA business-day examples. [South African Government](https://www.gov.za/about-sa/public-holidays) |\n| **S014** | President, *Declaration of the Fourth Day of November 2026 as a Public Holiday throughout the Republic*, Proclamation Notice 346 of 2026, GG55352, 8 September 2026. https://www.gov.za/sites/default/files/gcis_document/202609/55352-rg12046pr346.pdf | Entire proclamation **PDF P0 / printed GG p3**. | **Fresh primary proclamation and page image inspected.** Declares 4 November 2026 a nationwide public holiday; used solely in fictional business-day calculations. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/202609/55352-rg12046pr346.pdf) |\n\n# Complete atomic claim/evidence register\n\n| Claim ID | Exact bounded proposition | Primary authority and pinpoint | Condition, effect, exception and continuing hold |\n| --- | --- | --- | --- |\n| **C_ZA-P08-C001** | CPA “business” requires continual marketing, and consideration includes direct or indirect things, promises or benefits of value. | S001 §1, PDF P8–9 / GG pp16–18. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | Actual remuneration and ordinary-course facts required. |\n| **C002** | A covered consumer, supplier, transaction and service are defined by marketing/ordinary-course supply and receipt or benefit of the service. | S001 §1, P9–14. [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf) | Exemptions and actor classification remain material. |\n| **C003** | Budgeting information, consultation or work may constitute a CPA service; advice regulated under FAIS is separately qualified. | S001 §1 service definition. | Actual content/product classification required; no FAIS conclusion. |\n| **C004** | CPA application can extend to a supplier outside South Africa or operating nonprofit if §5’s transaction/promotion/supply nexus exists. | S001 §5(1),(8), P18–19/GG pp36–38. [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf) | No universal foreign-jurisdiction conclusion. |\n| **C005** | Juristic-person transaction is excluded at or above the Ministerial threshold; GoN294 states R2m. | S001 §5(2)(b), §6; S003 P0–2. [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf) | No successor notice established; no nonexistence claim. |\n| **C006** | A transaction constituting an NCA credit agreement is excluded, while its subject goods/services are not automatically excluded. | S001 §5(2)(d), P18. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | Separate adviser contract must be independently classified. |\n| **C007** | A private advisory-service agreement is not automatically the debtor’s credit agreement or statutory debt review. | C001–C006; P01 boundaries preserved. | Actual acts, mandate and debt-review functions control. |\n| **C008** | CPA compliance does not grant NCR, legal, FAIS, collector or payment authority. | Scope distinction based on S001 and preserved P01. | Separate laws/permissions deferred. |\n| **C009** | A free introductory contact may still be promotion even if no paid transaction has yet formed. | S001 §§1,5,29,40–41. [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf) | Indirect benefit and later agreement must be examined. |\n| **C010** | Direct marketing includes an in-person, mail or electronic approach to promote or offer services. | S001 §1, P9/GG p18. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | Consumer-initiated contact is not automatically direct marketing. |\n| **C011** | CPA §14 excludes juristic-person transactions; ECTA Chapter VII protects natural-person end users; regulation 44 is narrower still. | S001 §14; S006 definitions; S005 reg44. [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf) | Other CPA provisions may still apply to a below-threshold juristic person. |\n| **C012** | CPA-required documents/notices must use prescribed form or plain language understandable without undue effort. | S001 §22, P31/GG p62. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | Context and intended consumer class matter. |\n| **C013** | Supplier generally provides a written transaction record unless ECTA §43 or an exemption applies. | S001 §26, P34/GG p68. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | Exact prescribed content/exemption must be applied. |\n| **C014** | Electronic supplier must disclose identity, service characteristics, full price/costs, terms, timing, record access, refund policy and other §43 data. | S006 §43(1), P21–22/GG pp42–44. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf) | Applies only to covered electronic transaction. |\n| **C015** | CPA/ECTA do not set a universal private debt-negotiation fee cap or percentage. | S001 §§48–52; S006 §43. | Actual fee/contract/performance must be examined. |\n| **C016** | Statutory intermediary has additional identity, fee, cost, commission, conflict and record duties. | S004 regs9–10, P16–19/GG pp19–22. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf) | Voluntary negotiator not automatically an intermediary. |\n| **C017** | CPA §48 prohibits unfair price, term or manner of marketing, contracting and administration. | S001 §48, P48–49/GG pp96–98. [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf) | Fairness is contextual; no automatic outcome. |\n| **C018** | Liability limitation, risk assumption, indemnity and acknowledgment terms require conspicuous advance notice and understanding opportunity. | S001 §49, P49–50/GG pp98–100. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | Actual presentation/interface required. |\n| **C019** | Written agreement requires free copy/access, plain language and itemised financial obligations. | S001 §50(2), P50/GG p100. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | Signature does not validate prohibited terms. |\n| **C020** | CPA §51 prohibits terms that defeat the Act, mislead or impermissibly waive rights; contravening term may be void to stated extent. | S001 §51, P50–51/GG pp100–102. [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf) | Wider contract consequences require applicable process. |\n| **C021** | Court may sever, alter or declare terms void and issue just orders under §52; relief is adjudicative, not automatic. | S001 §52, P51–52/GG pp102–104. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | No actual dispute adjudicated. |\n| **C022** | Regulation 44 unfair-term presumption applies to for-profit supplier and individual private-purpose consumer; list is indicative/non-exhaustive. | S005 reg44, P11–15/GG pp56–61. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293b.pdf) | Broader §§48–52 remain separately applicable. |\n| **C023** | Pressure, harassment and false/misleading material representations are prohibited. | S001 §§40–41, P42–43/GG pp84–86. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | Actual wording, knowledge and context required. |\n| **C024** | Consumer has rights to timely, competent service; remedy may be correction or reasonable partial refund based on failure. | S001 §54, P53/GG p106. [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf) | Creditor rejection alone does not prove defective service. |\n| **C025** | Membership payment or payment for service more than 25 business days later may remain consumer property and be charged monthly pro rata. | S001 §64, P59/GG p118. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | Immediate/staged service allocation is fact-sensitive. |\n| **C026** | Supplier possessing consumer prepayment/property must not treat it as its own and must exercise appropriate care, subject to exclusions. | S001 §65, P59/GG p118. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | Does not itself authorise fund custody. |\n| **C027** | Regulation 5 generally limits fixed-term consumer agreement to 24 months unless its exceptions apply. | S004 reg5(1), P12–13/GG pp15–16. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf) | Sector code/regulation or demonstrable benefit may alter result. |\n| **C028** | Applicable §14 agreement may be cancelled on 20 business days’ recorded notice. | S001 §14(2)(b), P24/GG p48. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | §14 excludes juristic-person transactions. |\n| **C029** | Supplier gives 40–80 business-day expiry notice; absent contrary direction/renewal, agreement continues month-to-month. | S001 §14(2)(c)–(d), P24/GG p48. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | Actual notice and renewal facts required. |\n| **C030** | Early-cancellation charge must be reasonable under reg5 factors and cannot negate the right. | S001 §14(3); S004 reg5(2)–(3), P13/GG p16. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf) | No universal percentage or remaining-balance formula. |\n| **C031** | CPA direct-marketing rescission period is five business days after later of agreement or goods delivery. | S001 §16(3), P26/GG p52. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | ECTA §44 carveout applies. |\n| **C032** | For service-only rescission with no goods, supplier refunds within 15 business days after receiving notice. | S001 §16(4), P26/GG p52. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | Valid rescission and receipt facts required. |\n| **C033** | CPA §16 does not apply where ECTA §44 applies. | S001 §16(1), P26/GG p52. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | Not cumulative cooling-off periods. |\n| **C034** | CPA §17 applies to actual advance reservation/booking/order and permits only a reasonable cancellation charge. | S001 §17, P26–27/GG pp52–54. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | Not every consultancy retainer. |\n| **C035** | ECTA Chapter VII applies only to electronic transactions and its consumer is natural-person end user. | S006 §§1,42, P5–8/P21. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf) | Juristic person cannot invoke Chapter as “consumer.” |\n| **C036** | ECTA §43 mandates online identity, price, terms, timing, refund and related disclosure. | S006 §43(1), P21–22. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf) | Covered electronic supplier only. |\n| **C037** | Online consumer must have opportunity to review, correct and withdraw before final order. | S006 §43(2), P22/GG p44. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf) | Interface evidence required. |\n| **C038** | §43 noncompliance permits cancellation within 14 days of receiving goods/services, with return/cessation and refund consequences. | S006 §43(3)–(4), P22/GG p44. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf) | No express refund deadline in §43(4); service receipt date fact-sensitive. |\n| **C039** | ECTA §44 permits qualifying electronic service cancellation within seven days after agreement. | S006 §44(1)(b), P22/GG p44. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf) | §42 exclusions apply. |\n| **C040** | Advance payment under valid §44 cancellation must be refunded within 30 days after cancellation. | S006 §44(3), P22/GG p44. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf) | Valid cancellation required. |\n| **C041** | §44 excluded where service began with consumer consent before seven-day period ended; Chapter rights cannot simply be contracted out. | S006 §§42(2)(d),48, P21/P23. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf) | Actual start and consent must be proved. |\n| **C042** | ECTA lists further §44 exclusions including financial services and specified date-specific services. | S006 §42(2), P21/GG p42. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf) | Actual service classification required. |\n| **C043** | ECTA §46 provides distinct delayed/unavailable-performance cancellation/refund routes. | S006 §46, P23/GG p46. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf) | Agreed performance period and notice facts matter. |\n| **C044** | ECTA Chapter protection applies regardless selected legal system; exclusion clauses are void. | S006 §§47–48, P23/GG p46. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf) | Jurisdiction/enforcement/recognition remain open. |\n| **C045** | CPA §16/ECTA §44 overlap is expressly resolved only where §44 applies; revival after a §42 exclusion remains unresolved here. | S001 §16(1); S006 §42. [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf) | No universal hierarchy invented. |\n| **C046** | CPA business-day calculation excludes trigger day, weekends and public holidays and includes act day. | S001 §2(6); S013–S014. [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf) | Actual receipt/time facts required. |\n| **C047** | ECTA §44 uses ordinary “days”; P08 does not convert them to business days or certify a cutoff-time rule. | S006 §44. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf) | Interpretation/electronic-notice computation held. |\n| **C048** | 2026 opt-out rules concern direct-marketer registration/cleansing; actual amendment PDF was not successfully read from official gov portal. | S009–S012. [South African Government+2](https://www.gov.za/documents/notices/consumer-protection-act-amendment-15-apr-2026) | Not cancellation/refund authority. |\n| **C049** | Hypothetical §14 notice received 2 Nov 2026 reaches 20th business day 1 Dec after excluding weekends and 4 Nov holiday. | S001 §§2(6),14; S014. | Fictional computation only; no actual deadline. |\n| **C050** | Hypothetical §16 contract 30 Oct reaches fifth business day 9 Nov; notice then yields 15th refund business day 30 Nov. | S001 §§2(6),16; S014. | Assumed service-only paper contract and same-day receipt. |\n| **C051** | Partial performance plus misleading guarantee may engage §§41 and 54, but does not dictate automatic full refund. | S001 §§41,54. [South African Government+1](https://www.gov.za/sites/default/files/32186_467.pdf) | Actual promise and failure required. |\n| **C052** | Contingent fee depends on actual contractual trigger, subject to fairness and performance rules. | S001 §§48–54. | No universal success-fee permission or prohibition established. |\n| **C053** | Mixed legal work or funds custody requires separate permission; CPA compliance is insufficient. | Scope boundary; P01 holds. | Legal/PDA/payment/FIC inquiries deferred. |\n| **C054** | Below-threshold juristic person may receive general CPA protection, but not §14 or ECTA Chapter VII consumer cooling off. | S001 §§5,14; S003; S006 definitions. | Actual entity/threshold/purpose required. |\n| **C055** | P05 D02 becomes partially answered only for CPA/ECTA contract gateway. | C001–C054. | Private permission, actual fee and contract still open. |\n| **C056** | P05 D03 becomes partially answered through distinct CPA/ECTA disclosure/cancellation routes. | C012–C050. | No universal route or automatic remedy. |\n| **C057** | P06 and P07 conclusions are not adopted as accepted premises. | Supplied provenance. | Separate coordinator review remains. |\n| **C058** | Provincial/local, foreign, professional, fee, payment and full-remedy domains remain held. | Scope decision. | No broad acceptance. |\n| **C059** | CPA §69 describes generic enforcement avenues, but no complaint, referral or remedy is invoked here. | S001 §69, P61/GG p122. [South African Government](https://www.gov.za/sites/default/files/32186_467.pdf) | Full jurisdiction/remedy analysis deferred. |\n| **C060** | No actual provider, person, entity, contract, licence, case, borrower or property was searched. | Research-method fact. | Read-only generic public research only. |\n\n# Complete granular coverage register\n\n## G1 — Applicability, actor and agreement: 16 rows\n\n| Row | Subquestion | Status | Finding/claims | Exact remaining evidence or next action |\n| --- | --- | --- | --- | --- |\n| **G1-01** | Service definition | answered conditionally | Budgeting/information/consultation may be a service. C001–C003 | Classify actual acts and exclusions |\n| **G1-02** | Consideration and indirect benefit | answered | Broad value definition. C001 | Obtain actual remuneration/referral facts |\n| **G1-03** | Free initial contact | partial | Promotion may apply before paid transaction. C009 | Determine indirect benefit and later agreement |\n| **G1-04** | Ordinary-course supplier/business | partial | Continual marketing and ordinary course required. C001–C002 | Actual business pattern |\n| **G1-05** | South African transaction/promotion nexus | answered at statutory level | CPA §5 routes identified. C004 | Apply to actual locations/performance |\n| **G1-06** | Foreign or remote supplier | partial | Outside residence is not automatic exemption. C004 | Jurisdiction, service and enforcement facts |\n| **G1-07** | Nonprofit/charity status | answered narrowly | Not automatic exclusion. C004 | Separate professional exemptions, if any |\n| **G1-08** | Natural-person consumer | answered at definition level | CPA/ECTA definitions identified. C002, C035 | Actual purpose/end-user facts |\n| **G1-09** | Juristic-person threshold | partial-currentness | R2m notice located. C005 | Search any later successor if decisive |\n| **G1-10** | Juristic person and CPA §14 | answered | §14 excluded regardless threshold. C011 | Other CPA rights separately assessed |\n| **G1-11** | Juristic person and ECTA | answered | Chapter VII consumer is natural person. C011, C035 | Other electronic contract law held |\n| **G1-12** | NCA credit-agreement exclusion | answered as boundary | Credit agreement excluded; subject services preserved. C006 | Classify both agreements |\n| **G1-13** | Independent private service contract | partial | Potentially CPA-covered separate transaction. C007 | Actual service and mandate |\n| **G1-14** | NCA/legal/FAIS/collector/payment boundary | excluded_with_reason | CPA does not authorise separate regulated acts. C008, C053 | Dedicated perimeter work |\n| **G1-15** | 2026 direct-marketing amendment | partial | Official identity and regulator scope established; primary PDF mislinked. C048 | Obtain correct official Gazette attachment |\n| **G1-16** | Full current consolidation | unresolved | Core Acts/regulations read; all later changes not certified. C058 | Provision-specific amendment audit if operational use contemplated |\n\n## G2 — Formation, disclosure, fees and fairness: 20 rows\n\n| Row | Subquestion | Status | Finding/claims | Missing evidence / next action |\n| --- | --- | --- | --- | --- |\n| **G2-01** | Plain-language standard | answered | §22 test. C012 | Review actual contract/interface |\n| **G2-02** | Free contract copy/access | answered | §50. C019 | Actual delivery/access evidence |\n| **G2-03** | Itemised financial obligations | answered | §50. C019 | Actual fee schedule |\n| **G2-04** | Non-electronic transaction record | answered conditionally | §26 subject to ECTA/exemptions. C013 | Apply actual channel |\n| **G2-05** | Electronic identity/service disclosure | answered | ECTA §43. C014, C036 | Actual website record |\n| **G2-06** | Full electronic price/cost disclosure | answered | ECTA §43. C014 | Actual taxes/third-party costs |\n| **G2-07** | Advance fixed fee | partial | Permitted form not automatic entitlement. C015, C017–C026 | Earning trigger, §64/65 and performance |\n| **G2-08** | Staged fixed fee | partial | Must state objective stage and obligations. C015, C019 | Actual stages/work evidence |\n| **G2-09** | Periodic fee | partial | Fixed-term and §64 questions possible. C025, C027–C030 | Timing and future-service allocation |\n| **G2-10** | Contingent fee | unresolved for specific contract | Trigger controls subject to fairness. C052 | Actual definition and event |\n| **G2-11** | Third-party/creditor payment | partial | May be consideration; intermediary disclosure may apply. C001, C016 | Actual payer/mandate/conflict |\n| **G2-12** | Intermediary status/disclosures | partial | Regs9–10 mapped conditionally. C016 | Prove statutory intermediary classification |\n| **G2-13** | Unfair price/term/manner | answered at rule level | §48. C017 | Apply context and comparison |\n| **G2-14** | Liability/indemnity/acknowledgment notice | answered | §49. C018 | Actual presentation and assent |\n| **G2-15** | Prohibited waivers/terms | answered | §51. C020 | Actual clause and consequence |\n| **G2-16** | Court fairness powers | answered as boundary | §52 adjudicative relief. C021 | No actual proceeding |\n| **G2-17** | Regulation 44 grey list | answered conditionally | Narrow presumption and scope. C022 | Actual consumer purpose and term |\n| **G2-18** | Misleading guarantees/pressure | answered | §§40–41. C023 | Actual representation/evidence |\n| **G2-19** | Service quality/partial refund | answered conditionally | §54 correction or reasonable portion. C024, C051 | Measure actual failure |\n| **G2-20** | Prepayments/consumer property | partial | §§64–65. C025–C026 | Actual service timing, account and allocation |\n\n## G3 — Cancellation and refund routes: 20 rows\n\n| Row | Route/subquestion | Status | Finding/claims | Missing evidence / next action |\n| --- | --- | --- | --- | --- |\n| **G3-01** | CPA §14 actor scope | answered | Excludes juristic-person transactions. C011 | Actual party status |\n| **G3-02** | Maximum fixed term | answered conditionally | 24 months plus exceptions. C027 | Actual benefit/code/regulation |\n| **G3-03** | Consumer early notice | answered | 20 business days. C028 | Receipt date/method |\n| **G3-04** | Accrued amounts through cancellation | answered at rule level | §14(3). C030 | Actual ledger/performance |\n| **G3-05** | Reasonable cancellation penalty | partial | Multi-factor test; no formula. C030 | Actual evidence of loss/value |\n| **G3-06** | Expiry notice | answered | 40–80 business days. C029 | Actual expiry and notice |\n| **G3-07** | Month-to-month continuation | answered | Default rollover. C029 | Actual renewal direction |\n| **G3-08** | CPA §16 direct-marketing nexus | partial | Must result from direct marketing. C010, C031 | Marketing and causation facts |\n| **G3-09** | CPA §16 five-business-day period | answered | C031 | Actual trigger/receipt |\n| **G3-10** | CPA §16 15-business-day refund | answered conditionally | C032 | Valid rescission/no-goods branch |\n| **G3-11** | CPA §17 reservation route | partial | Actual booking required. C034 | Characterise service arrangement |\n| **G3-12** | ECTA electronic scope | answered | Electronic transaction/natural consumer. C035 | Actual channel/end user |\n| **G3-13** | ECTA §43 mandatory information | answered | C036 | Actual website/terms |\n| **G3-14** | Pre-order review/correction | answered | C037 | Actual interface evidence |\n| **G3-15** | §43 14-day noncompliance route | partial | C038 | Date services received; no refund deadline stated |\n| **G3-16** | §44 seven-day cooling off | answered conditionally | C039 | Exact agreement and exclusion facts |\n| **G3-17** | §44 30-day refund | answered conditionally | C040 | Valid cancellation/payment |\n| **G3-18** | Service begun with consent | partial | §44 exclusion. C041 | Actual consent and start |\n| **G3-19** | ECTA delayed/unavailable performance | answered conditionally | §46. C043 | Agreed period, notice, availability |\n| **G3-20** | CPA/ECTA overlap and day computation | partial | Specific §16 carveout; other overlap/day issues held. C033, C045–C047 | Authoritative interpretation and actual dates |\n\n## G4 — Fictional workflows: 8 rows\n\n| Row | Workflow | Status | Finding/claims | Missing fact |\n| --- | --- | --- | --- | --- |\n| **G4-01** | Free call then paid in-person advice | answered as classification | CPA may attach to later paid service. C001–C003, C009 | Actual benefit/service |\n| **G4-02** | In-person direct marketing | answered as hypothetical clock | Five days to 9 Nov; refund to 30 Nov. C031–C032, C046, C050 | Real notice/receipt |\n| **G4-03** | Direct-marketing online acceptance | answered conditionally | ECTA §44 displaces CPA §16 if applicable. C033, C035, C039–C040 | Exact electronic records |\n| **G4-04** | Consumer-initiated online/immediate start | partial | §42 consent exception possible. C041 | Actual separate consent/start |\n| **G4-05** | Fixed-term periodic fee | answered as hypothetical clock | 20 business days ends 1 Dec. C028, C046, C049 | Actual penalty evidence |\n| **G4-06** | Partially performed fixed fee/guarantee | partial | §§41/54; no automatic full refund. C023–C024, C051 | Promise and performance |\n| **G4-07** | Contingent fee/no acceptance | partial | Contract trigger assumed unfulfilled. C052 | Actual fee clause |\n| **G4-08** | Mixed legal/funds + juristic client | partial/adverse | CPA coverage possible; §14/ECTA cooling unavailable; separate permissions held. C053–C054 | Actual entity/acts/authority |\n\n## G5 — Reviewed gaps and scope: 6 rows\n\n| Row | Matter | Status | Finding/claims | Next action |\n| --- | --- | --- | --- | --- |\n| **G5-01** | P05 D02 | partial | CPA/ECTA private-service contract gateway researched. C055 | Professional permission and actual pricing |\n| **G5-02** | P05 D03 | partial | Disclosure/cancellation/refund routes mapped. C056 | Actual contract/facts/remedies |\n| **G5-03** | P05 NCR amounts | excluded_with_reason | Not private-service tariff. | Preserve fee-currentness hold |\n| **G5-04** | P06/P07 | excluded_with_reason | Await review; not adopted. C057 | Separate coordinator review |\n| **G5-05** | Generic enforcement information | partial | §69 routes described only. C059 | No filing/contact; full remedies pass |\n| **G5-06** | Country/A097/A098 acceptance | unresolved/held | National contract gateway only. C058–C060 | Separate completed review |\n\n# Explicitly deferred legal families: 24 rows\n\n| Row | Deferred family | Status | Exact retained question |\n| --- | --- | --- | --- |\n| **D01** | NCR debt-counsellor fee currentness | excluded_with_reason | What final current NCR/Ministerial/condition instrument governs statutory debt-counsellor charges? |\n| **D02** | Reckless-lending fee withdrawal | excluded_with_reason | Preserve P05/P07 chain; no adoption here |\n| **D03** | Schedule 2 application-fee inflation | excluded_with_reason | No private-service relevance; separate fee pass |\n| **D04** | PDA/client money/trust/distribution | excluded_with_reason | P06 awaits review; no funds authority inferred |\n| **D05** | NCA debt-counsellor registration/perimeter | excluded_with_reason | Apply P01 provider gateway to actual acts |\n| **D06** | Legal advice/representation and attorney trust | excluded_with_reason | Read Legal Practice Act/LPC rules for actual legal service |\n| **D07** | FAIS/financial-product advice | excluded_with_reason | Classify actual product and advice/intermediation |\n| **D08** | Creditor-side collection/purchaser/servicer | excluded_with_reason | Apply Debt Collectors Act and mandate facts |\n| **D09** | Payment-system/FIC/AML permissions | excluded_with_reason | Classify actual receipt/control/transmission of money |\n| **D10** | Actual private contract interpretation | excluded_with_reason | No real contract obtained |\n| **D11** | Full private/regulatory remedies and damages | excluded_with_reason | Separate standing, forum, causation and relief analysis |\n| **D12** | VAT/tax treatment | excluded_with_reason | Determine supplier status, tax and invoice rules separately |\n| **D13** | Debt-product and NCA credit classification | excluded_with_reason | Classify each underlying debt separately |\n| **D14** | Administration orders/sequestration/insolvency/rescue | excluded_with_reason | Separate statutory remedy and actor analysis |\n| **D15** | 2019 debt intervention | excluded_with_reason | P02/P03 commencement/implementation holds unchanged |\n| **D16** | Credit reporting/clearance | excluded_with_reason | No reporting result inferred from contract cancellation |\n| **D17** | Prescription/limitation/revival | excluded_with_reason | Separate debt-specific clock analysis |\n| **D18** | Security/mortgage/repossession/court enforcement | excluded_with_reason | Cancellation of adviser contract does not alter creditor security |\n| **D19** | Public, tax, fines, support, medical, rent and utilities | excluded_with_reason | Sector-specific debt law |\n| **D20** | Foreign law/jurisdiction/recognition/remote enforcement | excluded_with_reason | CPA/ECTA nexus does not complete A098 |\n| **D21** | Municipal/local rules and consumer courts | excluded_with_reason | Identify actual locality and forum |\n| **D22** | Complete source-currentness/consolidation audit | excluded_with_reason | Provision-specific later amendments still require checking |\n| **D23** | Whole-country/A097 acceptance | excluded_with_reason | National gateway is not completed country report |\n| **D24** | A098 cross-border acceptance | excluded_with_reason | Foreign-law and enforcement research remains separate |\n\n# Provincial and territorial register: 9 rows\n\nNo province-specific consumer statute, consumer-court rule, municipal rule or local procedure was substantively examined in P08. National CPA/ECTA findings do not clear every local branch.\n\n| Row | Province | Status | Exact next question |\n| --- | --- | --- | --- |\n| **T01** | Eastern Cape | unresolved | Which provincial consumer authority/court and local rules govern an actual transaction or remedy? |\n| **T02** | Free State | unresolved | Same province-specific authority, procedure and locality inquiry |\n| **T03** | Gauteng | unresolved | National regulator location or supplier office does not establish all Gauteng procedures |\n| **T04** | KwaZulu-Natal | unresolved | Read actual provincial/local consumer and forum texts if nexus exists |\n| **T05** | Limpopo | unresolved | No province/local body examined |\n| **T06** | Mpumalanga | unresolved | No province/local body examined |\n| **T07** | Northern Cape | unresolved | No province/local body examined |\n| **T08** | North West | unresolved | No province/local body examined |\n| **T09** | Western Cape | unresolved | No province/local body examined |\n\n# Evidence-backed article, checklist and tool opportunities\n\n| Candidate | Supported function | Required limitation |\n| --- | --- | --- |\n| **“Which cancellation route applies?” classifier** | Ask consumer type, entity status, fixed term, direct-marketing source, electronic channel, service-start consent, performance and booking facts | Must not output a deadline without receipt date, holidays and route verification |\n| **Contract disclosure checklist** | Identity, service scope, exclusions, fee trigger, all charges, duration, cancellation routes, third-party payers and refund policy | Not a licence or legality certificate |\n| **Business-day calculator** | CPA five-, 15-, 20-, 40- and 80-business-day calculations using official holidays | ECTA ordinary-day periods must remain separate |\n| **Electronic checkout audit** | Test §43 disclosures, review/correction mechanism, reproducible terms and service-start consent | Interface screenshots and actual transaction records required |\n| **Advance-payment ledger** | Separate consumer-owned future-service money, monthly pro-rata charging and performed work | Does not authorise handling creditor repayment money |\n| **Unfair-term warning tool** | Flag unilateral price changes, disproportionate penalties, one-sided retention and waivers | Regulation 44 presumption has actor/purpose limits; no automatic voidness |\n| **Channel comparison article** | In-person direct marketing vs consumer-initiated online vs outbound online | CPA §16 and ECTA §44 must not be stacked |\n| **Provider-authority gate** | Separate CPA contract compliance from NCA/legal/FAIS/collector/PDA permissions | Must stop before suggesting operation of a regulated service |\n\n# Search/read audit\n\nOfficial repositories used:\n\n- South African Government/Government Gazette for the CPA, ECTA, commencement notice, threshold notice, regulations, 2026 amendment metadata and public-holiday proclamation.\n- National Consumer Commission for 2026 direct-marketing implementation statements and draft guidelines.\n- The Presidency/government public-holiday materials for the fictional business-day calculations.\n\nRepresentative bounded searches included:\n\n- site:gov.za Consumer Protection Act 68 of 2008 PDF\n- site:gov.za Consumer Protection Act fixed term regulation 5\n- site:gov.za ECTA section 44 electronic transaction cooling off\n- site:gov.za Consumer Protection Act threshold juristic person\n- site:gov.za 54521 Consumer Protection Amendment 2026\n- site:thencc.org.za National Opt-Out Registry October 2026\n- site:gov.za 2026 public holidays South Africa\n- site:gov.za 4 November 2026 public holiday proclamation\n\nMaterial access/currentness limits:\n\n1. The official 2026 CPA amendment landing page links to an unrelated attachment. One different official route—the NCC’s legislation/media pages—was used instead. The actual Gazette body was not reconstructed through a hidden endpoint or non-official copy.\n2. The original CPA and ECTA Acts were read with identified later amendment bodies, but no claim is made that either PDF is a complete October 2026 consolidation.\n3. The R2 million juristic-person threshold was found in the final 2011 notice. No later successor was established through the bounded search; permanent currentness is not asserted.\n4. The 2026 opt-out guidelines were draft/non-binding at the access date and were not promoted into law.\n5. No actual agreement, website checkout, call recording, invoice, mandate, creditor communication or proof of performance was available.\n6. No named provider, registrant, person, company, licence, borrower, property or private case record was searched.\n7. No complaint, contact, filing, form, application, purchase, account change or publication occurred.\n\n# Researcher self-check and counts\n\n| Deliverable | Actual displayed count |\n| --- | --- |\n| P08 source-register rows | **14** |\n| P08 atomic claims | **60** |\n| G1 core coverage rows | **16** |\n| G2 core coverage rows | **20** |\n| G3 core coverage rows | **20** |\n| G4 workflow coverage rows | **8** |\n| G5 reconciliation coverage rows | **6** |\n| **Total core coverage rows** | **70** |\n| Explicit deferred-family rows | **24** |\n| Provincial rows | **9** |\n| **Total coverage rows** | **103** |\n| Fictional workflows | **8** |\n| Fully worked CPA business-day examples | **2** |\n| New private-service fee calculations | **0** |\n| Reviewed D02/D03 disposition rows | **2** |\n\n### Consistency checks\n\n- No NCR debt-counselling price was transplanted into private-service law.\n- No P06 client-money conclusion or P07 fee-currentness conclusion was adopted.\n- CPA contract compliance was kept separate from professional or payment permission.\n- CPA §16 was not stacked on top of an applicable ECTA §44 right.\n- ECTA’s “days” were not changed to “business days.”\n- Section 17 was not treated as a universal retainer-cancellation rule.\n- A “non-refundable” clause was not treated as automatically valid or automatically void.\n- Partial service failure was linked to a reasonable, fact-sensitive remedy rather than a guaranteed full refund.\n- No fee percentage, settlement outcome or current private-service cap was invented.\n- November 4, 2026 was excluded in the fictional CPA business-day calculations because an actual national proclamation was read.\n- National statutes were not treated as all-provincial/local verification.\n- No independent-review or country-acceptance claim is made.\n\n## Exact next primary-source question\n\nFor a precisely defined private debtor-advisory workflow and contract, which activities—if any—cross from ordinary budgeting information and consensual communication into NCA debt counselling, reserved legal practice, FAIS advice/intermediation, debt collection or regulated handling of money; and, after that classification, which CPA/ECTA cancellation route and exact contract/refund consequence applies to the actual channel, consumer, service-start and performance facts?\n\n**Final disposition:** P05 **D02 and D03 move from wholly deferred to partial substantive coverage** for the national CPA/ECTA gateway. Provider permission, actual contracts, private fee entitlement, complete remedies, all provincial/local branches, foreign enforcement and A097/A098 remain unaccepted.\n\nEND C_ZA PASS-08\n\n","tables":[{"headers":["Count","Date","Treatment"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Count","Date","Treatment"],["—","Sat 31 Oct / Sun 1 Nov","Weekend, excluded"],["1","Mon 2 Nov","Business day"],["2","Tue 3 Nov","Business day"],["—","Wed 4 Nov","Proclaimed public holiday, excluded"],["3","Thu 5 Nov","Business day"],["4","Fri 6 Nov","Business day"],["—","Sat 7 / Sun 8 Nov","Weekend, excluded"],["5","Mon 9 Nov","Final assumed CPA §16 day"]]},{"headers":["Reviewed P05 row","Original literal reviewed wording","P08 narrow finding","Disposition"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Reviewed P05 row","Original literal reviewed wording","P08 narrow finding","Disposition"],["D02 — Private voluntary negotiator charges","“What contract/consumer/professional law governs a non-§86 private settlement service?”","A covered private service may be governed by CPA formation, marketing, fairness, performance, fixed-term and cancellation rules and, if electronic, ECTA Chapter VII. No universal private fee amount or percentage is supplied. Separate professional-authority and actual-contract questions remain. C001–C026, C047, C052–C055.","Partial substantive completion. Consumer-contract gateway answered conditionally; professional permission, current private terms and fee entitlement remain open."],["D03 — Full consumer contracts, disclosures, CPA, distance contracts, cancellation and generic refunds","“Which current statutes/terms create cancellation/refund rights independent of NCR fee guidance?”","CPA §§14, 16, 17, 22, 40–54 and 64–65; regulations 5, 9–10 and 44; and ECTA §§42–48 supply distinct conditional routes. No single universal cancellation/refund rule exists. C012–C050, C055–C056.","Partial substantive completion. Statutory gateways mapped; actual contract, exact route, remedies, professional law, local law and full currentness remain open."],["P05 NCR fee figures","Dated NCR guidance amounts were not current private-service price authority.","No NCR price or fee formula is imported.","Preserved."],["P06 PDA component","Saved but awaiting first review.","No P06 client-money or fee premise adopted.","Preserved as unreviewed. C057."],["P07 fee-currentness component","Saved but awaiting first review.","No P07 fee-currentness or registration-condition premise adopted.","Preserved as unreviewed. C057."],["Whole-country/A097/A098","All broader holds retained.","National CPA/ECTA gateway is not all-provincial/local or foreign-law acceptance.","Unresolved/held. C058–C060."]]},{"headers":["Question","CPA / ECTA route","Key trigger","Principal effect","Key limitation"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Question","CPA / ECTA route","Key trigger","Principal effect","Key limitation"],["Is the service contract covered?","CPA §§1, 5–6","Consumer, supplier, ordinary course, consideration, South African nexus, no applicable exemption","CPA contract/marketing protections","Does not authorise regulated work"],["Fixed term","CPA §14 + reg 5","Applicable natural-person fixed-term consumer agreement","20-business-day early cancellation; reasonable charge","§14 excludes juristic-person transactions"],["Direct marketing","CPA §16","Transaction resulted from direct marketing; ECTA §44 does not apply","Five-business-day rescission; 15-business-day refund for service-only transaction","Not stacked with applicable ECTA §44"],["Advance reservation","CPA §17","Actual later booking/reservation/order","Cancellation with reasonable charge","Not every advisory retainer"],["Defective service","CPA §54","Untimely, defective or substandard performance","Remedy or reasonable partial refund","Not automatic full refund"],["Prepaid future service","CPA §64","Membership charge or service more than 25 business days after payment","Consumer ownership; monthly pro-rata charging","Allocation may be fact-sensitive"],["Online disclosure failure","ECTA §43","Electronic transaction plus missing mandatory information/review mechanism","Cancellation within 14 days after receiving service","Refund subsection gives no express deadline"],["Electronic cooling off","ECTA §44","Natural-person end-user, qualifying electronic service transaction","Seven-day cancellation; 30-day refund","§42 exclusions, including service begun with consent"],["Electronic delay/unavailability","ECTA §46","Failure within agreed/default period or unavailability","Seven-day written cancellation route or 30-day refund after unavailability notice","Separate from cooling off"],["Unfair term","CPA §§48–52 / reg 44","Unfair price/term/manner or prohibited term","Regulatory/adjudicative correction, severance or other order","Outcome not automatic from allegation"]]},{"headers":["Source ID","Issuer, title and complete literal HTTPS URL","Exact pinpoints and pages read","Status, commencement and read limits"],"index":3,"links":[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+3"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/33581917.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/34181gon294.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf","text":"South African Government\n+2"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293b.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government\n+3"},{"href":"https://www.gov.za/documents/electronic-communications-and-transactions-act","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/gcis_document/202106/44651gon324.pdf","text":"South African Government\n+2"},{"href":"https://www.gov.za/documents/notices/consumer-protection-act-amendment-15-apr-2026","text":"South African Government\n+1"},{"href":"https://thencc.org.za/ncc-welcomes-regulations-to-curb-spam-calls/","text":"The National Consumer Commission"},{"href":"https://thencc.org.za/ncc-launches-the-national-opt-out-registry-to-curb-unwanted-direct-marketing/","text":"The National Consumer Commission"},{"href":"https://thencc.org.za/wp-content/uploads/2026/10/NCC-Guidelines-Notice-of-Extension-and-NCC-Guidelines-Opt-Out-Registry-Guidelines.pdf","text":"The National Consumer Commission"},{"href":"https://www.gov.za/about-sa/public-holidays","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/gcis_document/202609/55352-rg12046pr346.pdf","text":"South African Government\n+1"}],"row_links":[[],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+3"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/33581917.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/34181gon294.pdf","text":"South African Government\n+1"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf","text":"South African Government\n+2"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293b.pdf","text":"South African Government\n+1"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government\n+3"}],[{"href":"https://www.gov.za/documents/electronic-communications-and-transactions-act","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/202106/44651gon324.pdf","text":"South African Government\n+2"}],[{"href":"https://www.gov.za/documents/notices/consumer-protection-act-amendment-15-apr-2026","text":"South African Government\n+1"}],[{"href":"https://thencc.org.za/ncc-welcomes-regulations-to-curb-spam-calls/","text":"The National Consumer Commission"}],[{"href":"https://thencc.org.za/ncc-launches-the-national-opt-out-registry-to-curb-unwanted-direct-marketing/","text":"The National Consumer Commission"}],[{"href":"https://thencc.org.za/wp-content/uploads/2026/10/NCC-Guidelines-Notice-of-Extension-and-NCC-Guidelines-Opt-Out-Registry-Guidelines.pdf","text":"The National Consumer Commission"}],[{"href":"https://www.gov.za/about-sa/public-holidays","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/202609/55352-rg12046pr346.pdf","text":"South African Government\n+1"}]],"rows":[["Source ID","Issuer, title and complete literal HTTPS URL","Exact pinpoints and pages read","Status, commencement and read limits"],["C_ZA-P08-S001","Presidency/Parliament, Consumer Protection Act 68 of 2008, GG32186, GoN467, 29 April 2009. https://www.gov.za/sites/default/files/32186_467.pdf","Definitions PDF P8–14 / printed GG pp16–28; §§2, 4–6 P16–19 / pp32–38; §§14,16,17 P24–27 / pp48–54; §§22–33 P31–36 / pp62–72; §§40–41 P42–43 / pp84–86; §§48–54 P48–53 / pp96–106; §§64–69 P59–61 / pp118–122; ECTA amendment Schedule 1 P88 / printed p176.","Fresh enacted primary body read and relevant page images inspected. Original enacted Act plus its own consequential amendments; not a complete certified consolidation of every post-2009 amendment. General effective date established separately by S002. \nSouth African Government\n+3"],["S002","Minister, Consumer Protection Act: Deferring of General Effective Date, General Notice 917, GG33581, 23 September 2010. https://www.gov.za/sites/default/files/gcis_document/201409/33581917.pdf","Entire notice PDF P0 / printed GG p3.","Fresh official body read. Defers the general effective date to 31 March 2011. Does not determine the effective date of every later amendment. \nSouth African Government"],["S003","Minister, Determination of Threshold in terms of the Consumer Protection Act, GoN294, GG34181, 1 April 2011. https://www.gov.za/sites/default/files/gcis_document/201409/34181gon294.pdf","R2 million determination PDF P0 / GG p3; asset and turnover calculation P1–P2 / pp4–5.","Fresh final Ministerial notice read. A bounded official search did not establish a successor, but nonexistence is not claimed. \nSouth African Government\n+1"],["S004","Minister, Consumer Protection Act Regulations — Part A, GoN R293, GG34180, 1 April 2011. https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf","Regulation 5 fixed terms PDF P12–13 / GG pp15–16; regulations 9–10 intermediary disclosures/records P16–19 / GG pp19–22; relevant regulation 4 registry text inspected for currentness comparison.","Fresh final regulations read. Later 2026 amendment to regulation 4 exists, but its operative PDF was not successfully obtained from the official notice attachment; no claim that the entire 2011 regulations remain unamended. \nSouth African Government\n+2"],["S005","Minister, Consumer Protection Act Regulations — Part B, GoN R293, GG34180, 1 April 2011. https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293b.pdf","Regulation 44 PDF P11–15 / GG pp56–61; relevant prescribed notices/exemptions P16–40 only as necessary.","Fresh final regulations read. Regulation 44’s individual/private-purpose presumption is distinguished from the broader Act. Later amendments not exhaustively excluded. \nSouth African Government\n+1"],["S006","Parliament, Electronic Communications and Transactions Act 25 of 2002, GG23708, 2 August 2002. https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","Definitions PDF P5–8; Chapter VII §§42–48 P21–23 / printed GG pp42–46; §49 historical text P23; §95 commencement P40.","Fresh enacted primary body read and relevant page images inspected. Original Act, not a complete 2026 consolidation. CPA amendment to §49 and later Cybercrimes changes considered separately. \nSouth African Government\n+3"],["S007","South African Government, Electronic Communications and Transactions Act 25 of 2002 legislative record. https://www.gov.za/documents/electronic-communications-and-transactions-act","HTML commencement and amendment metadata; PDF index not applicable.","Fresh official metadata read. Records commencement on 30 August 2002, Gazette 23809, and identifies CPA and Cybercrimes amendments. Metadata is not a substitute for a current consolidated statutory body. \nSouth African Government"],["S008","Presidency/Parliament, Cybercrimes Act 19 of 2020, GG44651, GoN324. https://www.gov.za/sites/default/files/gcis_document/202106/44651gon324.pdf","ECTA consequential amendments around PDF P87; printed Gazette page not independently reconciled.","Fresh enacted body read only for amendment scope. It removes/substitutes later ECTA cybercrime provisions, not Chapter VII §§42–48. This is not a full post-2020 ECTA currentness audit. \nSouth African Government\n+2"],["S009","South African Government, Consumer Protection Act: Amendment, GG54521, RG11983, GoN7380, 15 April 2026. https://www.gov.za/documents/notices/consumer-protection-act-amendment-15-apr-2026","HTML notice identity only; no PDF page index. The displayed attachment links to 54524gen3894.pdf, an unrelated file.","Fresh official metadata page; failed/mislinked primary-body candidate. Establishes notice identity but not the text of the amendment. Exact clauses are not inferred from the erroneous attachment. \nSouth African Government\n+1"],["S010","National Consumer Commission, NCC Welcomes Regulations to Curb Spam Calls, 17 April 2026. https://thencc.org.za/ncc-welcomes-regulations-to-curb-spam-calls/","HTML paragraphs identifying regulation 4/§11(3), registration, cleansing and administration; PDF index not applicable.","Fresh official regulator explanation. Guidance/current implementation evidence, not the amending regulation itself and not a cancellation/refund instrument. \nThe National Consumer Commission"],["S011","National Consumer Commission, NCC Launches the National Opt-Out Registry to Curb Unwanted Direct Marketing, 7 October 2026. https://thencc.org.za/ncc-launches-the-national-opt-out-registry-to-curb-unwanted-direct-marketing/","HTML phased implementation paragraphs; PDF index not applicable.","Fresh official regulator statement. Establishes announced implementation phases; does not amend CPA/ECTA cooling-off periods or constitute business/professional licensing. \nThe National Consumer Commission"],["S012","National Consumer Commission, Draft Guidelines for Compliance with the Opt-Out Registry Regulations and Extension Notice, October 2026. https://thencc.org.za/wp-content/uploads/2026/10/NCC-Guidelines-Notice-of-Extension-and-NCC-Guidelines-Opt-Out-Registry-Guidelines.pdf","Regulatory description PDF P2–5; obligations P5–15; non-binding clause P11; summary P12.","Fresh draft/consultation body read. It expressly says the guidelines do not bind the Commission, Tribunal or courts. Not used as operative cancellation law. \nThe National Consumer Commission"],["S013","South African Government, Public Holidays in South Africa — 2026. https://www.gov.za/about-sa/public-holidays","HTML 2026 holiday list and Sunday-observance explanation; PDF index not applicable.","Fresh official public-information body. Used only for the fictional CPA business-day examples. \nSouth African Government"],["S014","President, Declaration of the Fourth Day of November 2026 as a Public Holiday throughout the Republic, Proclamation Notice 346 of 2026, GG55352, 8 September 2026. https://www.gov.za/sites/default/files/gcis_document/202609/55352-rg12046pr346.pdf","Entire proclamation PDF P0 / printed GG p3.","Fresh primary proclamation and page image inspected. Declares 4 November 2026 a nationwide public holiday; used solely in fictional business-day calculations. \nSouth African Government\n+1"]]},{"headers":["Claim ID","Exact bounded proposition","Primary authority and pinpoint","Condition, effect, exception and continuing hold"],"index":4,"links":[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293b.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government"},{"href":"https://www.gov.za/documents/notices/consumer-protection-act-amendment-15-apr-2026","text":"South African Government\n+2"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],"row_links":[[],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"}],[],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[],[],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government\n+1"}],[],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf","text":"South African Government\n+1"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293b.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government\n+1"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government\n+1"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government\n+1"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"}],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/documents/notices/consumer-protection-act-amendment-15-apr-2026","text":"South African Government\n+2"}],[],[],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government\n+1"}],[],[],[],[],[],[],[],[{"href":"https://www.gov.za/sites/default/files/32186_467.pdf","text":"South African Government"}],[]],"rows":[["Claim ID","Exact bounded proposition","Primary authority and pinpoint","Condition, effect, exception and continuing hold"],["C_ZA-P08-C001","CPA “business” requires continual marketing, and consideration includes direct or indirect things, promises or benefits of value.","S001 §1, PDF P8–9 / GG pp16–18. \nSouth African Government","Actual remuneration and ordinary-course facts required."],["C002","A covered consumer, supplier, transaction and service are defined by marketing/ordinary-course supply and receipt or benefit of the service.","S001 §1, P9–14. \nSouth African Government\n+1","Exemptions and actor classification remain material."],["C003","Budgeting information, consultation or work may constitute a CPA service; advice regulated under FAIS is separately qualified.","S001 §1 service definition.","Actual content/product classification required; no FAIS conclusion."],["C004","CPA application can extend to a supplier outside South Africa or operating nonprofit if §5’s transaction/promotion/supply nexus exists.","S001 §5(1),(8), P18–19/GG pp36–38. \nSouth African Government\n+1","No universal foreign-jurisdiction conclusion."],["C005","Juristic-person transaction is excluded at or above the Ministerial threshold; GoN294 states R2m.","S001 §5(2)(b), §6; S003 P0–2. \nSouth African Government\n+1","No successor notice established; no nonexistence claim."],["C006","A transaction constituting an NCA credit agreement is excluded, while its subject goods/services are not automatically excluded.","S001 §5(2)(d), P18. \nSouth African Government","Separate adviser contract must be independently classified."],["C007","A private advisory-service agreement is not automatically the debtor’s credit agreement or statutory debt review.","C001–C006; P01 boundaries preserved.","Actual acts, mandate and debt-review functions control."],["C008","CPA compliance does not grant NCR, legal, FAIS, collector or payment authority.","Scope distinction based on S001 and preserved P01.","Separate laws/permissions deferred."],["C009","A free introductory contact may still be promotion even if no paid transaction has yet formed.","S001 §§1,5,29,40–41. \nSouth African Government\n+1","Indirect benefit and later agreement must be examined."],["C010","Direct marketing includes an in-person, mail or electronic approach to promote or offer services.","S001 §1, P9/GG p18. \nSouth African Government","Consumer-initiated contact is not automatically direct marketing."],["C011","CPA §14 excludes juristic-person transactions; ECTA Chapter VII protects natural-person end users; regulation 44 is narrower still.","S001 §14; S006 definitions; S005 reg44. \nSouth African Government\n+1","Other CPA provisions may still apply to a below-threshold juristic person."],["C012","CPA-required documents/notices must use prescribed form or plain language understandable without undue effort.","S001 §22, P31/GG p62. \nSouth African Government","Context and intended consumer class matter."],["C013","Supplier generally provides a written transaction record unless ECTA §43 or an exemption applies.","S001 §26, P34/GG p68. \nSouth African Government","Exact prescribed content/exemption must be applied."],["C014","Electronic supplier must disclose identity, service characteristics, full price/costs, terms, timing, record access, refund policy and other §43 data.","S006 §43(1), P21–22/GG pp42–44. \nSouth African Government\n+1","Applies only to covered electronic transaction."],["C015","CPA/ECTA do not set a universal private debt-negotiation fee cap or percentage.","S001 §§48–52; S006 §43.","Actual fee/contract/performance must be examined."],["C016","Statutory intermediary has additional identity, fee, cost, commission, conflict and record duties.","S004 regs9–10, P16–19/GG pp19–22. \nSouth African Government\n+1","Voluntary negotiator not automatically an intermediary."],["C017","CPA §48 prohibits unfair price, term or manner of marketing, contracting and administration.","S001 §48, P48–49/GG pp96–98. \nSouth African Government\n+1","Fairness is contextual; no automatic outcome."],["C018","Liability limitation, risk assumption, indemnity and acknowledgment terms require conspicuous advance notice and understanding opportunity.","S001 §49, P49–50/GG pp98–100. \nSouth African Government","Actual presentation/interface required."],["C019","Written agreement requires free copy/access, plain language and itemised financial obligations.","S001 §50(2), P50/GG p100. \nSouth African Government","Signature does not validate prohibited terms."],["C020","CPA §51 prohibits terms that defeat the Act, mislead or impermissibly waive rights; contravening term may be void to stated extent.","S001 §51, P50–51/GG pp100–102. \nSouth African Government\n+1","Wider contract consequences require applicable process."],["C021","Court may sever, alter or declare terms void and issue just orders under §52; relief is adjudicative, not automatic.","S001 §52, P51–52/GG pp102–104. \nSouth African Government","No actual dispute adjudicated."],["C022","Regulation 44 unfair-term presumption applies to for-profit supplier and individual private-purpose consumer; list is indicative/non-exhaustive.","S005 reg44, P11–15/GG pp56–61. \nSouth African Government","Broader §§48–52 remain separately applicable."],["C023","Pressure, harassment and false/misleading material representations are prohibited.","S001 §§40–41, P42–43/GG pp84–86. \nSouth African Government","Actual wording, knowledge and context required."],["C024","Consumer has rights to timely, competent service; remedy may be correction or reasonable partial refund based on failure.","S001 §54, P53/GG p106. \nSouth African Government\n+1","Creditor rejection alone does not prove defective service."],["C025","Membership payment or payment for service more than 25 business days later may remain consumer property and be charged monthly pro rata.","S001 §64, P59/GG p118. \nSouth African Government","Immediate/staged service allocation is fact-sensitive."],["C026","Supplier possessing consumer prepayment/property must not treat it as its own and must exercise appropriate care, subject to exclusions.","S001 §65, P59/GG p118. \nSouth African Government","Does not itself authorise fund custody."],["C027","Regulation 5 generally limits fixed-term consumer agreement to 24 months unless its exceptions apply.","S004 reg5(1), P12–13/GG pp15–16. \nSouth African Government","Sector code/regulation or demonstrable benefit may alter result."],["C028","Applicable §14 agreement may be cancelled on 20 business days’ recorded notice.","S001 §14(2)(b), P24/GG p48. \nSouth African Government","§14 excludes juristic-person transactions."],["C029","Supplier gives 40–80 business-day expiry notice; absent contrary direction/renewal, agreement continues month-to-month.","S001 §14(2)(c)–(d), P24/GG p48. \nSouth African Government","Actual notice and renewal facts required."],["C030","Early-cancellation charge must be reasonable under reg5 factors and cannot negate the right.","S001 §14(3); S004 reg5(2)–(3), P13/GG p16. \nSouth African Government","No universal percentage or remaining-balance formula."],["C031","CPA direct-marketing rescission period is five business days after later of agreement or goods delivery.","S001 §16(3), P26/GG p52. \nSouth African Government","ECTA §44 carveout applies."],["C032","For service-only rescission with no goods, supplier refunds within 15 business days after receiving notice.","S001 §16(4), P26/GG p52. \nSouth African Government","Valid rescission and receipt facts required."],["C033","CPA §16 does not apply where ECTA §44 applies.","S001 §16(1), P26/GG p52. \nSouth African Government","Not cumulative cooling-off periods."],["C034","CPA §17 applies to actual advance reservation/booking/order and permits only a reasonable cancellation charge.","S001 §17, P26–27/GG pp52–54. \nSouth African Government","Not every consultancy retainer."],["C035","ECTA Chapter VII applies only to electronic transactions and its consumer is natural-person end user.","S006 §§1,42, P5–8/P21. \nSouth African Government","Juristic person cannot invoke Chapter as “consumer.”"],["C036","ECTA §43 mandates online identity, price, terms, timing, refund and related disclosure.","S006 §43(1), P21–22. \nSouth African Government\n+1","Covered electronic supplier only."],["C037","Online consumer must have opportunity to review, correct and withdraw before final order.","S006 §43(2), P22/GG p44. \nSouth African Government","Interface evidence required."],["C038","§43 noncompliance permits cancellation within 14 days of receiving goods/services, with return/cessation and refund consequences.","S006 §43(3)–(4), P22/GG p44. \nSouth African Government\n+1","No express refund deadline in §43(4); service receipt date fact-sensitive."],["C039","ECTA §44 permits qualifying electronic service cancellation within seven days after agreement.","S006 §44(1)(b), P22/GG p44. \nSouth African Government","§42 exclusions apply."],["C040","Advance payment under valid §44 cancellation must be refunded within 30 days after cancellation.","S006 §44(3), P22/GG p44. \nSouth African Government","Valid cancellation required."],["C041","§44 excluded where service began with consumer consent before seven-day period ended; Chapter rights cannot simply be contracted out.","S006 §§42(2)(d),48, P21/P23. \nSouth African Government\n+1","Actual start and consent must be proved."],["C042","ECTA lists further §44 exclusions including financial services and specified date-specific services.","S006 §42(2), P21/GG p42. \nSouth African Government","Actual service classification required."],["C043","ECTA §46 provides distinct delayed/unavailable-performance cancellation/refund routes.","S006 §46, P23/GG p46. \nSouth African Government","Agreed performance period and notice facts matter."],["C044","ECTA Chapter protection applies regardless selected legal system; exclusion clauses are void.","S006 §§47–48, P23/GG p46. \nSouth African Government","Jurisdiction/enforcement/recognition remain open."],["C045","CPA §16/ECTA §44 overlap is expressly resolved only where §44 applies; revival after a §42 exclusion remains unresolved here.","S001 §16(1); S006 §42. \nSouth African Government\n+1","No universal hierarchy invented."],["C046","CPA business-day calculation excludes trigger day, weekends and public holidays and includes act day.","S001 §2(6); S013–S014. \nSouth African Government\n+1","Actual receipt/time facts required."],["C047","ECTA §44 uses ordinary “days”; P08 does not convert them to business days or certify a cutoff-time rule.","S006 §44. \nSouth African Government","Interpretation/electronic-notice computation held."],["C048","2026 opt-out rules concern direct-marketer registration/cleansing; actual amendment PDF was not successfully read from official gov portal.","S009–S012. \nSouth African Government\n+2","Not cancellation/refund authority."],["C049","Hypothetical §14 notice received 2 Nov 2026 reaches 20th business day 1 Dec after excluding weekends and 4 Nov holiday.","S001 §§2(6),14; S014.","Fictional computation only; no actual deadline."],["C050","Hypothetical §16 contract 30 Oct reaches fifth business day 9 Nov; notice then yields 15th refund business day 30 Nov.","S001 §§2(6),16; S014.","Assumed service-only paper contract and same-day receipt."],["C051","Partial performance plus misleading guarantee may engage §§41 and 54, but does not dictate automatic full refund.","S001 §§41,54. \nSouth African Government\n+1","Actual promise and failure required."],["C052","Contingent fee depends on actual contractual trigger, subject to fairness and performance rules.","S001 §§48–54.","No universal success-fee permission or prohibition established."],["C053","Mixed legal work or funds custody requires separate permission; CPA compliance is insufficient.","Scope boundary; P01 holds.","Legal/PDA/payment/FIC inquiries deferred."],["C054","Below-threshold juristic person may receive general CPA protection, but not §14 or ECTA Chapter VII consumer cooling off.","S001 §§5,14; S003; S006 definitions.","Actual entity/threshold/purpose required."],["C055","P05 D02 becomes partially answered only for CPA/ECTA contract gateway.","C001–C054.","Private permission, actual fee and contract still open."],["C056","P05 D03 becomes partially answered through distinct CPA/ECTA disclosure/cancellation routes.","C012–C050.","No universal route or automatic remedy."],["C057","P06 and P07 conclusions are not adopted as accepted premises.","Supplied provenance.","Separate coordinator review remains."],["C058","Provincial/local, foreign, professional, fee, payment and full-remedy domains remain held.","Scope decision.","No broad acceptance."],["C059","CPA §69 describes generic enforcement avenues, but no complaint, referral or remedy is invoked here.","S001 §69, P61/GG p122. \nSouth African Government","Full jurisdiction/remedy analysis deferred."],["C060","No actual provider, person, entity, contract, licence, case, borrower or property was searched.","Research-method fact.","Read-only generic public research only."]]},{"headers":["Row","Subquestion","Status","Finding/claims","Exact remaining evidence or next action"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Subquestion","Status","Finding/claims","Exact remaining evidence or next action"],["G1-01","Service definition","answered conditionally","Budgeting/information/consultation may be a service. C001–C003","Classify actual acts and exclusions"],["G1-02","Consideration and indirect benefit","answered","Broad value definition. C001","Obtain actual remuneration/referral facts"],["G1-03","Free initial contact","partial","Promotion may apply before paid transaction. C009","Determine indirect benefit and later agreement"],["G1-04","Ordinary-course supplier/business","partial","Continual marketing and ordinary course required. C001–C002","Actual business pattern"],["G1-05","South African transaction/promotion nexus","answered at statutory level","CPA §5 routes identified. C004","Apply to actual locations/performance"],["G1-06","Foreign or remote supplier","partial","Outside residence is not automatic exemption. C004","Jurisdiction, service and enforcement facts"],["G1-07","Nonprofit/charity status","answered narrowly","Not automatic exclusion. C004","Separate professional exemptions, if any"],["G1-08","Natural-person consumer","answered at definition level","CPA/ECTA definitions identified. C002, C035","Actual purpose/end-user facts"],["G1-09","Juristic-person threshold","partial-currentness","R2m notice located. C005","Search any later successor if decisive"],["G1-10","Juristic person and CPA §14","answered","§14 excluded regardless threshold. C011","Other CPA rights separately assessed"],["G1-11","Juristic person and ECTA","answered","Chapter VII consumer is natural person. C011, C035","Other electronic contract law held"],["G1-12","NCA credit-agreement exclusion","answered as boundary","Credit agreement excluded; subject services preserved. C006","Classify both agreements"],["G1-13","Independent private service contract","partial","Potentially CPA-covered separate transaction. C007","Actual service and mandate"],["G1-14","NCA/legal/FAIS/collector/payment boundary","excluded_with_reason","CPA does not authorise separate regulated acts. C008, C053","Dedicated perimeter work"],["G1-15","2026 direct-marketing amendment","partial","Official identity and regulator scope established; primary PDF mislinked. C048","Obtain correct official Gazette attachment"],["G1-16","Full current consolidation","unresolved","Core Acts/regulations read; all later changes not certified. C058","Provision-specific amendment audit if operational use contemplated"]]},{"headers":["Row","Subquestion","Status","Finding/claims","Missing evidence / next action"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Subquestion","Status","Finding/claims","Missing evidence / next action"],["G2-01","Plain-language standard","answered","§22 test. C012","Review actual contract/interface"],["G2-02","Free contract copy/access","answered","§50. C019","Actual delivery/access evidence"],["G2-03","Itemised financial obligations","answered","§50. C019","Actual fee schedule"],["G2-04","Non-electronic transaction record","answered conditionally","§26 subject to ECTA/exemptions. C013","Apply actual channel"],["G2-05","Electronic identity/service disclosure","answered","ECTA §43. C014, C036","Actual website record"],["G2-06","Full electronic price/cost disclosure","answered","ECTA §43. C014","Actual taxes/third-party costs"],["G2-07","Advance fixed fee","partial","Permitted form not automatic entitlement. C015, C017–C026","Earning trigger, §64/65 and performance"],["G2-08","Staged fixed fee","partial","Must state objective stage and obligations. C015, C019","Actual stages/work evidence"],["G2-09","Periodic fee","partial","Fixed-term and §64 questions possible. C025, C027–C030","Timing and future-service allocation"],["G2-10","Contingent fee","unresolved for specific contract","Trigger controls subject to fairness. C052","Actual definition and event"],["G2-11","Third-party/creditor payment","partial","May be consideration; intermediary disclosure may apply. C001, C016","Actual payer/mandate/conflict"],["G2-12","Intermediary status/disclosures","partial","Regs9–10 mapped conditionally. C016","Prove statutory intermediary classification"],["G2-13","Unfair price/term/manner","answered at rule level","§48. C017","Apply context and comparison"],["G2-14","Liability/indemnity/acknowledgment notice","answered","§49. C018","Actual presentation and assent"],["G2-15","Prohibited waivers/terms","answered","§51. C020","Actual clause and consequence"],["G2-16","Court fairness powers","answered as boundary","§52 adjudicative relief. C021","No actual proceeding"],["G2-17","Regulation 44 grey list","answered conditionally","Narrow presumption and scope. C022","Actual consumer purpose and term"],["G2-18","Misleading guarantees/pressure","answered","§§40–41. C023","Actual representation/evidence"],["G2-19","Service quality/partial refund","answered conditionally","§54 correction or reasonable portion. C024, C051","Measure actual failure"],["G2-20","Prepayments/consumer property","partial","§§64–65. C025–C026","Actual service timing, account and allocation"]]},{"headers":["Row","Route/subquestion","Status","Finding/claims","Missing evidence / next action"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Route/subquestion","Status","Finding/claims","Missing evidence / next action"],["G3-01","CPA §14 actor scope","answered","Excludes juristic-person transactions. C011","Actual party status"],["G3-02","Maximum fixed term","answered conditionally","24 months plus exceptions. C027","Actual benefit/code/regulation"],["G3-03","Consumer early notice","answered","20 business days. C028","Receipt date/method"],["G3-04","Accrued amounts through cancellation","answered at rule level","§14(3). C030","Actual ledger/performance"],["G3-05","Reasonable cancellation penalty","partial","Multi-factor test; no formula. C030","Actual evidence of loss/value"],["G3-06","Expiry notice","answered","40–80 business days. C029","Actual expiry and notice"],["G3-07","Month-to-month continuation","answered","Default rollover. C029","Actual renewal direction"],["G3-08","CPA §16 direct-marketing nexus","partial","Must result from direct marketing. C010, C031","Marketing and causation facts"],["G3-09","CPA §16 five-business-day period","answered","C031","Actual trigger/receipt"],["G3-10","CPA §16 15-business-day refund","answered conditionally","C032","Valid rescission/no-goods branch"],["G3-11","CPA §17 reservation route","partial","Actual booking required. C034","Characterise service arrangement"],["G3-12","ECTA electronic scope","answered","Electronic transaction/natural consumer. C035","Actual channel/end user"],["G3-13","ECTA §43 mandatory information","answered","C036","Actual website/terms"],["G3-14","Pre-order review/correction","answered","C037","Actual interface evidence"],["G3-15","§43 14-day noncompliance route","partial","C038","Date services received; no refund deadline stated"],["G3-16","§44 seven-day cooling off","answered conditionally","C039","Exact agreement and exclusion facts"],["G3-17","§44 30-day refund","answered conditionally","C040","Valid cancellation/payment"],["G3-18","Service begun with consent","partial","§44 exclusion. C041","Actual consent and start"],["G3-19","ECTA delayed/unavailable performance","answered conditionally","§46. C043","Agreed period, notice, availability"],["G3-20","CPA/ECTA overlap and day computation","partial","Specific §16 carveout; other overlap/day issues held. C033, C045–C047","Authoritative interpretation and actual dates"]]},{"headers":["Row","Workflow","Status","Finding/claims","Missing fact"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Row","Workflow","Status","Finding/claims","Missing fact"],["G4-01","Free call then paid in-person advice","answered as classification","CPA may attach to later paid service. C001–C003, C009","Actual benefit/service"],["G4-02","In-person direct marketing","answered as hypothetical clock","Five days to 9 Nov; refund to 30 Nov. C031–C032, C046, C050","Real notice/receipt"],["G4-03","Direct-marketing online acceptance","answered conditionally","ECTA §44 displaces CPA §16 if applicable. C033, C035, C039–C040","Exact electronic records"],["G4-04","Consumer-initiated online/immediate start","partial","§42 consent exception possible. C041","Actual separate consent/start"],["G4-05","Fixed-term periodic fee","answered as hypothetical clock","20 business days ends 1 Dec. C028, C046, C049","Actual penalty evidence"],["G4-06","Partially performed fixed fee/guarantee","partial","§§41/54; no automatic full refund. C023–C024, C051","Promise and performance"],["G4-07","Contingent fee/no acceptance","partial","Contract trigger assumed unfulfilled. C052","Actual fee clause"],["G4-08","Mixed legal/funds + juristic client","partial/adverse","CPA coverage possible; §14/ECTA cooling unavailable; separate permissions held. C053–C054","Actual entity/acts/authority"]]},{"headers":["Row","Matter","Status","Finding/claims","Next action"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Row","Matter","Status","Finding/claims","Next action"],["G5-01","P05 D02","partial","CPA/ECTA private-service contract gateway researched. C055","Professional permission and actual pricing"],["G5-02","P05 D03","partial","Disclosure/cancellation/refund routes mapped. C056","Actual contract/facts/remedies"],["G5-03","P05 NCR amounts","excluded_with_reason","Not private-service tariff.","Preserve fee-currentness hold"],["G5-04","P06/P07","excluded_with_reason","Await review; not adopted. C057","Separate coordinator review"],["G5-05","Generic enforcement information","partial","§69 routes described only. C059","No filing/contact; full remedies pass"],["G5-06","Country/A097/A098 acceptance","unresolved/held","National contract gateway only. C058–C060","Separate completed review"]]},{"headers":["Row","Deferred family","Status","Exact retained question"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Deferred family","Status","Exact retained question"],["D01","NCR debt-counsellor fee currentness","excluded_with_reason","What final current NCR/Ministerial/condition instrument governs statutory debt-counsellor charges?"],["D02","Reckless-lending fee withdrawal","excluded_with_reason","Preserve P05/P07 chain; no adoption here"],["D03","Schedule 2 application-fee inflation","excluded_with_reason","No private-service relevance; separate fee pass"],["D04","PDA/client money/trust/distribution","excluded_with_reason","P06 awaits review; no funds authority inferred"],["D05","NCA debt-counsellor registration/perimeter","excluded_with_reason","Apply P01 provider gateway to actual acts"],["D06","Legal advice/representation and attorney trust","excluded_with_reason","Read Legal Practice Act/LPC rules for actual legal service"],["D07","FAIS/financial-product advice","excluded_with_reason","Classify actual product and advice/intermediation"],["D08","Creditor-side collection/purchaser/servicer","excluded_with_reason","Apply Debt Collectors Act and mandate facts"],["D09","Payment-system/FIC/AML permissions","excluded_with_reason","Classify actual receipt/control/transmission of money"],["D10","Actual private contract interpretation","excluded_with_reason","No real contract obtained"],["D11","Full private/regulatory remedies and damages","excluded_with_reason","Separate standing, forum, causation and relief analysis"],["D12","VAT/tax treatment","excluded_with_reason","Determine supplier status, tax and invoice rules separately"],["D13","Debt-product and NCA credit classification","excluded_with_reason","Classify each underlying debt separately"],["D14","Administration orders/sequestration/insolvency/rescue","excluded_with_reason","Separate statutory remedy and actor analysis"],["D15","2019 debt intervention","excluded_with_reason","P02/P03 commencement/implementation holds unchanged"],["D16","Credit reporting/clearance","excluded_with_reason","No reporting result inferred from contract cancellation"],["D17","Prescription/limitation/revival","excluded_with_reason","Separate debt-specific clock analysis"],["D18","Security/mortgage/repossession/court enforcement","excluded_with_reason","Cancellation of adviser contract does not alter creditor security"],["D19","Public, tax, fines, support, medical, rent and utilities","excluded_with_reason","Sector-specific debt law"],["D20","Foreign law/jurisdiction/recognition/remote enforcement","excluded_with_reason","CPA/ECTA nexus does not complete A098"],["D21","Municipal/local rules and consumer courts","excluded_with_reason","Identify actual locality and forum"],["D22","Complete source-currentness/consolidation audit","excluded_with_reason","Provision-specific later amendments still require checking"],["D23","Whole-country/A097 acceptance","excluded_with_reason","National gateway is not completed country report"],["D24","A098 cross-border acceptance","excluded_with_reason","Foreign-law and enforcement research remains separate"]]},{"headers":["Row","Province","Status","Exact next question"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Province","Status","Exact next question"],["T01","Eastern Cape","unresolved","Which provincial consumer authority/court and local rules govern an actual transaction or remedy?"],["T02","Free State","unresolved","Same province-specific authority, procedure and locality inquiry"],["T03","Gauteng","unresolved","National regulator location or supplier office does not establish all Gauteng procedures"],["T04","KwaZulu-Natal","unresolved","Read actual provincial/local consumer and forum texts if nexus exists"],["T05","Limpopo","unresolved","No province/local body examined"],["T06","Mpumalanga","unresolved","No province/local body examined"],["T07","Northern Cape","unresolved","No province/local body examined"],["T08","North West","unresolved","No province/local body examined"],["T09","Western Cape","unresolved","No province/local body examined"]]},{"headers":["Candidate","Supported function","Required limitation"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Candidate","Supported function","Required limitation"],["“Which cancellation route applies?” classifier","Ask consumer type, entity status, fixed term, direct-marketing source, electronic channel, service-start consent, performance and booking facts","Must not output a deadline without receipt date, holidays and route verification"],["Contract disclosure checklist","Identity, service scope, exclusions, fee trigger, all charges, duration, cancellation routes, third-party payers and refund 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NCA/legal/FAIS/collector/PDA permissions","Must stop before suggesting operation of a regulated service"]]},{"headers":["Deliverable","Actual displayed count"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Deliverable","Actual displayed count"],["P08 source-register rows","14"],["P08 atomic claims","60"],["G1 core coverage rows","16"],["G2 core coverage rows","20"],["G3 core coverage rows","20"],["G4 workflow coverage rows","8"],["G5 reconciliation coverage rows","6"],["Total core coverage rows","70"],["Explicit deferred-family rows","24"],["Provincial rows","9"],["Total coverage rows","103"],["Fictional workflows","8"],["Fully worked CPA business-day examples","2"],["New private-service fee calculations","0"],["Reviewed D02/D03 disposition rows","2"]]}],"claims":[{"claim_id":"C_ZA-P08-C001","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_ZA-P08-C001","Exact bounded 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notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C003","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C003","Exact bounded proposition":"Budgeting information, consultation or work may constitute a CPA service; advice regulated under FAIS is separately qualified.","Primary authority and pinpoint":"S001 §1 service definition.","Condition, effect, exception and continuing hold":"Actual content/product classification required; no FAIS conclusion."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence 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conclusion."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C005","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C005","Exact bounded proposition":"Juristic-person transaction is excluded at or above the Ministerial threshold; GoN294 states R2m.","Primary authority and pinpoint":"S001 §5(2)(b), §6; S003 P0–2. \nSouth African Government\n+1","Condition, effect, exception and continuing hold":"No successor notice established; no nonexistence claim."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C006","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C006","Exact bounded proposition":"A transaction 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examined."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C010","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C010","Exact bounded proposition":"Direct marketing includes an in-person, mail or electronic approach to promote or offer services.","Primary authority and pinpoint":"S001 §1, P9/GG p18. \nSouth African Government","Condition, effect, exception and continuing hold":"Consumer-initiated contact is not automatically direct marketing."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C011","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C011","Exact bounded proposition":"CPA §14 excludes 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reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C014","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C014","Exact bounded proposition":"Electronic supplier must disclose identity, service characteristics, full price/costs, terms, timing, record access, refund policy and other §43 data.","Primary authority and pinpoint":"S006 §43(1), P21–22/GG pp42–44. \nSouth African Government\n+1","Condition, effect, exception and continuing hold":"Applies only to covered electronic transaction."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C015","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C015","Exact bounded proposition":"CPA/ECTA do not set a universal private debt-negotiation fee cap or percentage.","Primary authority and pinpoint":"S001 §§48–52; S006 §43.","Condition, effect, exception and continuing hold":"Actual fee/contract/performance must be examined."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C016","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C016","Exact bounded proposition":"Statutory intermediary has additional identity, fee, cost, commission, conflict and record duties.","Primary authority and pinpoint":"S004 regs9–10, P16–19/GG pp19–22. \nSouth African Government\n+1","Condition, effect, exception and continuing hold":"Voluntary negotiator not automatically an intermediary."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence 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notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C018","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C018","Exact bounded proposition":"Liability limitation, risk assumption, indemnity and acknowledgment terms require conspicuous advance notice and understanding opportunity.","Primary authority and pinpoint":"S001 §49, P49–50/GG pp98–100. \nSouth African Government","Condition, effect, exception and continuing hold":"Actual presentation/interface required."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C019","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C019","Exact bounded proposition":"Written agreement requires free copy/access, plain language and itemised financial obligations.","Primary authority and pinpoint":"S001 §50(2), P50/GG p100. \nSouth African Government","Condition, effect, exception and continuing hold":"Signature does not validate prohibited terms."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C020","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C020","Exact bounded proposition":"CPA §51 prohibits terms that defeat the Act, mislead or impermissibly waive rights; contravening term may be void to stated extent.","Primary authority and pinpoint":"S001 §51, P50–51/GG pp100–102. \nSouth African Government\n+1","Condition, effect, exception and continuing hold":"Wider contract consequences require applicable process."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C021","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C021","Exact bounded 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service."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C025","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C025","Exact bounded proposition":"Membership payment or payment for service more than 25 business days later may remain consumer property and be charged monthly pro rata.","Primary authority and 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P13/GG p16. \nSouth African Government","Condition, effect, exception and continuing hold":"No universal percentage or remaining-balance formula."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C031","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C031","Exact bounded proposition":"CPA direct-marketing 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retainer."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C035","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C035","Exact bounded proposition":"ECTA Chapter VII applies only to electronic transactions and its consumer is natural-person end user.","Primary authority and pinpoint":"S006 §§1,42, P5–8/P21. \nSouth African Government","Condition, effect, exception and continuing hold":"Juristic person cannot invoke Chapter as “consumer.”"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C036","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C036","Exact bounded proposition":"ECTA §43 mandates online identity, price, terms, timing, refund and related disclosure.","Primary authority and pinpoint":"S006 §43(1), P21–22. \nSouth African Government\n+1","Condition, effect, exception and continuing hold":"Covered electronic supplier only."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence 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notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C038","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C038","Exact bounded proposition":"§43 noncompliance permits cancellation within 14 days of receiving goods/services, with return/cessation and refund consequences.","Primary authority and pinpoint":"S006 §43(3)–(4), P22/GG p44. \nSouth African Government\n+1","Condition, effect, exception and continuing hold":"No express refund deadline in §43(4); service receipt date fact-sensitive."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence 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qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C040","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C040","Exact bounded proposition":"Advance payment under valid §44 cancellation must be refunded within 30 days after cancellation.","Primary authority and pinpoint":"S006 §44(3), P22/GG p44. \nSouth African Government","Condition, effect, exception and continuing hold":"Valid cancellation required."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C041","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C041","Exact bounded proposition":"§44 excluded where service began with consumer consent before seven-day period ended; Chapter rights cannot simply be contracted out.","Primary authority and pinpoint":"S006 §§42(2)(d),48, P21/P23. \nSouth African Government\n+1","Condition, effect, exception and continuing hold":"Actual start and consent must be proved."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C042","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C042","Exact bounded proposition":"ECTA 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notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C044","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C044","Exact bounded proposition":"ECTA Chapter protection applies regardless selected legal system; exclusion clauses are void.","Primary authority and pinpoint":"S006 §§47–48, P23/GG p46. \nSouth African Government","Condition, effect, exception and continuing hold":"Jurisdiction/enforcement/recognition remain open."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence 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invented."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C046","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C046","Exact bounded proposition":"CPA business-day calculation excludes trigger day, weekends and public holidays and includes act day.","Primary authority and pinpoint":"S001 §2(6); S013–S014. \nSouth African Government\n+1","Condition, effect, exception and continuing hold":"Actual receipt/time facts required."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C047","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C047","Exact bounded proposition":"ECTA §44 uses ordinary “days”; P08 does not convert them to business days or certify a cutoff-time rule.","Primary authority and pinpoint":"S006 §44. \nSouth African Government","Condition, effect, exception and continuing hold":"Interpretation/electronic-notice computation held."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence 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notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C049","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C049","Exact bounded proposition":"Hypothetical §14 notice received 2 Nov 2026 reaches 20th business day 1 Dec after excluding weekends and 4 Nov holiday.","Primary authority and pinpoint":"S001 §§2(6),14; S014.","Condition, effect, exception and continuing hold":"Fictional computation only; no actual deadline."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C050","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C050","Exact bounded proposition":"Hypothetical §16 contract 30 Oct reaches fifth business day 9 Nov; notice then yields 15th refund business day 30 Nov.","Primary authority and pinpoint":"S001 §§2(6),16; S014.","Condition, effect, exception and continuing hold":"Assumed service-only paper contract and same-day receipt."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C051","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C051","Exact bounded proposition":"Partial performance plus misleading guarantee may engage §§41 and 54, but does not dictate automatic full refund.","Primary authority and pinpoint":"S001 §§41,54. \nSouth African Government\n+1","Condition, effect, exception and continuing hold":"Actual promise and failure required."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C052","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C052","Exact bounded proposition":"Contingent fee depends on actual contractual trigger, subject to fairness and performance rules.","Primary authority and pinpoint":"S001 §§48–54.","Condition, effect, exception and continuing hold":"No universal success-fee permission or prohibition established."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C053","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C053","Exact bounded proposition":"Mixed legal work or funds custody requires separate permission; CPA compliance is insufficient.","Primary authority and pinpoint":"Scope boundary; P01 holds.","Condition, effect, exception and continuing hold":"Legal/PDA/payment/FIC inquiries deferred."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C054","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C054","Exact bounded proposition":"Below-threshold juristic person may receive general CPA protection, but not §14 or ECTA Chapter VII consumer cooling off.","Primary authority and pinpoint":"S001 §§5,14; S003; S006 definitions.","Condition, effect, exception and continuing hold":"Actual entity/threshold/purpose required."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C055","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C055","Exact bounded proposition":"P05 D02 becomes partially answered only for CPA/ECTA contract gateway.","Primary authority and pinpoint":"C001–C054.","Condition, effect, exception and continuing hold":"Private permission, actual fee and contract still open."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C056","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C056","Exact bounded proposition":"P05 D03 becomes partially answered through distinct CPA/ECTA disclosure/cancellation routes.","Primary authority and pinpoint":"C012–C050.","Condition, effect, exception and continuing hold":"No universal route or automatic remedy."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C057","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C057","Exact bounded proposition":"P06 and P07 conclusions are not adopted as accepted premises.","Primary authority and pinpoint":"Supplied provenance.","Condition, effect, exception and continuing hold":"Separate coordinator review remains."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C058","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C058","Exact bounded proposition":"Provincial/local, foreign, professional, fee, payment and full-remedy domains remain held.","Primary authority and pinpoint":"Scope decision.","Condition, effect, exception and continuing hold":"No broad acceptance."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C059","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C059","Exact bounded proposition":"CPA §69 describes generic enforcement avenues, but no complaint, referral or remedy is invoked here.","Primary authority and pinpoint":"S001 §69, P61/GG p122. \nSouth African Government","Condition, effect, exception and continuing hold":"Full jurisdiction/remedy analysis deferred."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"claim_id":"C_ZA-C060","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C060","Exact bounded proposition":"No actual provider, person, entity, contract, licence, case, borrower or property was searched.","Primary authority and pinpoint":"Research-method fact.","Condition, effect, exception and continuing hold":"Read-only generic public research only."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}}],"sources":[{"source_id":"C_ZA-P08-S001","urls":["https://www.gov.za/sites/default/files/32186_467.pdf"],"researcher_record":{"Source ID":"C_ZA-P08-S001","Issuer, title and complete literal HTTPS URL":"Presidency/Parliament, Consumer Protection Act 68 of 2008, GG32186, GoN467, 29 April 2009. https://www.gov.za/sites/default/files/32186_467.pdf","Exact pinpoints and pages read":"Definitions PDF P8–14 / printed GG pp16–28; §§2, 4–6 P16–19 / pp32–38; §§14,16,17 P24–27 / pp48–54; §§22–33 P31–36 / pp62–72; §§40–41 P42–43 / pp84–86; §§48–54 P48–53 / pp96–106; §§64–69 P59–61 / pp118–122; ECTA amendment Schedule 1 P88 / printed p176.","Status, commencement and read limits":"Fresh enacted primary body read and relevant page images inspected. Original enacted Act plus its own consequential amendments; not a complete certified consolidation of every post-2009 amendment. General effective date established separately by S002. \nSouth African Government\n+3"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"source_id":"C_ZA-S002","urls":["https://www.gov.za/sites/default/files/gcis_document/201409/33581917.pdf"],"researcher_record":{"Source ID":"S002","Issuer, title and complete literal HTTPS URL":"Minister, Consumer Protection Act: Deferring of General Effective Date, General Notice 917, GG33581, 23 September 2010. https://www.gov.za/sites/default/files/gcis_document/201409/33581917.pdf","Exact pinpoints and pages read":"Entire notice PDF P0 / printed GG p3.","Status, commencement and read limits":"Fresh official body read. Defers the general effective date to 31 March 2011. Does not determine the effective date of every later amendment. \nSouth African Government"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"source_id":"C_ZA-S003","urls":["https://www.gov.za/sites/default/files/gcis_document/201409/34181gon294.pdf"],"researcher_record":{"Source ID":"S003","Issuer, title and complete literal HTTPS URL":"Minister, Determination of Threshold in terms of the Consumer Protection Act, GoN294, GG34181, 1 April 2011. https://www.gov.za/sites/default/files/gcis_document/201409/34181gon294.pdf","Exact pinpoints and pages read":"R2 million determination PDF P0 / GG p3; asset and turnover calculation P1–P2 / pp4–5.","Status, commencement and read limits":"Fresh final Ministerial notice read. A bounded official search did not establish a successor, but nonexistence is not claimed. \nSouth African Government\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"source_id":"C_ZA-S004","urls":["https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf"],"researcher_record":{"Source ID":"S004","Issuer, title and complete literal HTTPS URL":"Minister, Consumer Protection Act Regulations — Part A, GoN R293, GG34180, 1 April 2011. https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293a.pdf","Exact pinpoints and pages read":"Regulation 5 fixed terms PDF P12–13 / GG pp15–16; regulations 9–10 intermediary disclosures/records P16–19 / GG pp19–22; relevant regulation 4 registry text inspected for currentness comparison.","Status, commencement and read limits":"Fresh final regulations read. Later 2026 amendment to regulation 4 exists, but its operative PDF was not successfully obtained from the official notice attachment; no claim that the entire 2011 regulations remain unamended. \nSouth African Government\n+2"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"source_id":"C_ZA-S005","urls":["https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293b.pdf"],"researcher_record":{"Source ID":"S005","Issuer, title and complete literal HTTPS URL":"Minister, Consumer Protection Act Regulations — Part B, GoN R293, GG34180, 1 April 2011. https://www.gov.za/sites/default/files/gcis_document/201409/34180rg9515gon293b.pdf","Exact pinpoints and pages read":"Regulation 44 PDF P11–15 / GG pp56–61; relevant prescribed notices/exemptions P16–40 only as necessary.","Status, commencement and read limits":"Fresh final regulations read. Regulation 44’s individual/private-purpose presumption is distinguished from the broader Act. Later amendments not exhaustively excluded. \nSouth African Government\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"source_id":"C_ZA-S006","urls":["https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf"],"researcher_record":{"Source ID":"S006","Issuer, title and complete literal HTTPS URL":"Parliament, Electronic Communications and Transactions Act 25 of 2002, GG23708, 2 August 2002. https://www.gov.za/sites/default/files/gcis_document/201409/a25-02.pdf","Exact pinpoints and pages read":"Definitions PDF P5–8; Chapter VII §§42–48 P21–23 / printed GG pp42–46; §49 historical text P23; §95 commencement P40.","Status, commencement and read limits":"Fresh enacted primary body read and relevant page images inspected. Original Act, not a complete 2026 consolidation. CPA amendment to §49 and later Cybercrimes changes considered separately. \nSouth African Government\n+3"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"source_id":"C_ZA-S007","urls":["https://www.gov.za/documents/electronic-communications-and-transactions-act"],"researcher_record":{"Source ID":"S007","Issuer, title and complete literal HTTPS URL":"South African Government, Electronic Communications and Transactions Act 25 of 2002 legislative record. https://www.gov.za/documents/electronic-communications-and-transactions-act","Exact pinpoints and pages read":"HTML commencement and amendment metadata; PDF index not applicable.","Status, commencement and read limits":"Fresh official metadata read. Records commencement on 30 August 2002, Gazette 23809, and identifies CPA and Cybercrimes amendments. Metadata is not a substitute for a current consolidated statutory body. \nSouth African Government"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"source_id":"C_ZA-S008","urls":["https://www.gov.za/sites/default/files/gcis_document/202106/44651gon324.pdf"],"researcher_record":{"Source ID":"S008","Issuer, title and complete literal HTTPS URL":"Presidency/Parliament, Cybercrimes Act 19 of 2020, GG44651, GoN324. https://www.gov.za/sites/default/files/gcis_document/202106/44651gon324.pdf","Exact pinpoints and pages read":"ECTA consequential amendments around PDF P87; printed Gazette page not independently reconciled.","Status, commencement and read limits":"Fresh enacted body read only for amendment scope. It removes/substitutes later ECTA cybercrime provisions, not Chapter VII §§42–48. This is not a full post-2020 ECTA currentness audit. \nSouth African Government\n+2"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"source_id":"C_ZA-S009","urls":["https://www.gov.za/documents/notices/consumer-protection-act-amendment-15-apr-2026"],"researcher_record":{"Source ID":"S009","Issuer, title and complete literal HTTPS URL":"South African Government, Consumer Protection Act: Amendment, GG54521, RG11983, GoN7380, 15 April 2026. https://www.gov.za/documents/notices/consumer-protection-act-amendment-15-apr-2026","Exact pinpoints and pages read":"HTML notice identity only; no PDF page index. The displayed attachment links to 54524gen3894.pdf, an unrelated file.","Status, commencement and read limits":"Fresh official metadata page; failed/mislinked primary-body candidate. Establishes notice identity but not the text of the amendment. Exact clauses are not inferred from the erroneous attachment. \nSouth African Government\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"source_id":"C_ZA-S010","urls":["https://thencc.org.za/ncc-welcomes-regulations-to-curb-spam-calls/"],"researcher_record":{"Source ID":"S010","Issuer, title and complete literal HTTPS URL":"National Consumer Commission, NCC Welcomes Regulations to Curb Spam Calls, 17 April 2026. https://thencc.org.za/ncc-welcomes-regulations-to-curb-spam-calls/","Exact pinpoints and pages read":"HTML paragraphs identifying regulation 4/§11(3), registration, cleansing and administration; PDF index not applicable.","Status, commencement and read limits":"Fresh official regulator explanation. Guidance/current implementation evidence, not the amending regulation itself and not a cancellation/refund instrument. \nThe National Consumer Commission"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"source_id":"C_ZA-S011","urls":["https://thencc.org.za/ncc-launches-the-national-opt-out-registry-to-curb-unwanted-direct-marketing/"],"researcher_record":{"Source ID":"S011","Issuer, title and complete literal HTTPS URL":"National Consumer Commission, NCC Launches the National Opt-Out Registry to Curb Unwanted Direct Marketing, 7 October 2026. https://thencc.org.za/ncc-launches-the-national-opt-out-registry-to-curb-unwanted-direct-marketing/","Exact pinpoints and pages read":"HTML phased implementation paragraphs; PDF index not applicable.","Status, commencement and read limits":"Fresh official regulator statement. Establishes announced implementation phases; does not amend CPA/ECTA cooling-off periods or constitute business/professional licensing. \nThe National Consumer Commission"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"source_id":"C_ZA-S012","urls":["https://thencc.org.za/wp-content/uploads/2026/10/NCC-Guidelines-Notice-of-Extension-and-NCC-Guidelines-Opt-Out-Registry-Guidelines.pdf"],"researcher_record":{"Source ID":"S012","Issuer, title and complete literal HTTPS URL":"National Consumer Commission, Draft Guidelines for Compliance with the Opt-Out Registry Regulations and Extension Notice, October 2026. https://thencc.org.za/wp-content/uploads/2026/10/NCC-Guidelines-Notice-of-Extension-and-NCC-Guidelines-Opt-Out-Registry-Guidelines.pdf","Exact pinpoints and pages read":"Regulatory description PDF P2–5; obligations P5–15; non-binding clause P11; summary P12.","Status, commencement and read limits":"Fresh draft/consultation body read. It expressly says the guidelines do not bind the Commission, Tribunal or courts. Not used as operative cancellation law. \nThe National Consumer Commission"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"source_id":"C_ZA-S013","urls":["https://www.gov.za/about-sa/public-holidays"],"researcher_record":{"Source ID":"S013","Issuer, title and complete literal HTTPS URL":"South African Government, Public Holidays in South Africa — 2026. https://www.gov.za/about-sa/public-holidays","Exact pinpoints and pages read":"HTML 2026 holiday list and Sunday-observance explanation; PDF index not applicable.","Status, commencement and read limits":"Fresh official public-information body. Used only for the fictional CPA business-day examples. \nSouth African Government"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"source_id":"C_ZA-S014","urls":["https://www.gov.za/sites/default/files/gcis_document/202609/55352-rg12046pr346.pdf"],"researcher_record":{"Source ID":"S014","Issuer, title and complete literal HTTPS URL":"President, Declaration of the Fourth Day of November 2026 as a Public Holiday throughout the Republic, Proclamation Notice 346 of 2026, GG55352, 8 September 2026. https://www.gov.za/sites/default/files/gcis_document/202609/55352-rg12046pr346.pdf","Exact pinpoints and pages read":"Entire proclamation PDF P0 / printed GG p3.","Status, commencement and read limits":"Fresh primary proclamation and page image inspected. Declares 4 November 2026 a nationwide public holiday; used solely in fictional business-day calculations. \nSouth African Government\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}}],"coverage":[{"topic":"G1-01 Service definition","researcher_record":{"Row":"G1-01","Subquestion":"Service definition","Status":"answered conditionally","Finding/claims":"Budgeting/information/consultation may be a service. C001–C003","Exact remaining evidence or next action":"Classify actual acts and exclusions"},"raw_table_index":5,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G1-02 Consideration and indirect benefit","researcher_record":{"Row":"G1-02","Subquestion":"Consideration and indirect benefit","Status":"answered","Finding/claims":"Broad value definition. C001","Exact remaining evidence or next action":"Obtain actual remuneration/referral facts"},"raw_table_index":5,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G1-03 Free initial contact","researcher_record":{"Row":"G1-03","Subquestion":"Free initial contact","Status":"partial","Finding/claims":"Promotion may apply before paid transaction. C009","Exact remaining evidence or next action":"Determine indirect benefit and later agreement"},"raw_table_index":5,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G1-04 Ordinary-course supplier/business","researcher_record":{"Row":"G1-04","Subquestion":"Ordinary-course supplier/business","Status":"partial","Finding/claims":"Continual marketing and ordinary course required. C001–C002","Exact remaining evidence or next action":"Actual business pattern"},"raw_table_index":5,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G1-05 South African transaction/promotion nexus","researcher_record":{"Row":"G1-05","Subquestion":"South African transaction/promotion nexus","Status":"answered at statutory level","Finding/claims":"CPA §5 routes identified. C004","Exact remaining evidence or next action":"Apply to actual locations/performance"},"raw_table_index":5,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G1-06 Foreign or remote supplier","researcher_record":{"Row":"G1-06","Subquestion":"Foreign or remote supplier","Status":"partial","Finding/claims":"Outside residence is not automatic exemption. C004","Exact remaining evidence or next action":"Jurisdiction, service and enforcement facts"},"raw_table_index":5,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G1-07 Nonprofit/charity status","researcher_record":{"Row":"G1-07","Subquestion":"Nonprofit/charity status","Status":"answered narrowly","Finding/claims":"Not automatic exclusion. C004","Exact remaining evidence or next action":"Separate professional exemptions, if any"},"raw_table_index":5,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G1-08 Natural-person consumer","researcher_record":{"Row":"G1-08","Subquestion":"Natural-person consumer","Status":"answered at definition level","Finding/claims":"CPA/ECTA definitions identified. C002, C035","Exact remaining evidence or next action":"Actual purpose/end-user facts"},"raw_table_index":5,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G1-09 Juristic-person threshold","researcher_record":{"Row":"G1-09","Subquestion":"Juristic-person threshold","Status":"partial-currentness","Finding/claims":"R2m notice located. C005","Exact remaining evidence or next action":"Search any later successor if decisive"},"raw_table_index":5,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G1-10 Juristic person and CPA §14","researcher_record":{"Row":"G1-10","Subquestion":"Juristic person and CPA §14","Status":"answered","Finding/claims":"§14 excluded regardless threshold. C011","Exact remaining evidence or next action":"Other CPA rights separately assessed"},"raw_table_index":5,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G1-11 Juristic person and ECTA","researcher_record":{"Row":"G1-11","Subquestion":"Juristic person and ECTA","Status":"answered","Finding/claims":"Chapter VII consumer is natural person. C011, C035","Exact remaining evidence or next action":"Other electronic contract law held"},"raw_table_index":5,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G1-12 NCA credit-agreement exclusion","researcher_record":{"Row":"G1-12","Subquestion":"NCA credit-agreement exclusion","Status":"answered as boundary","Finding/claims":"Credit agreement excluded; subject services preserved. C006","Exact remaining evidence or next action":"Classify both agreements"},"raw_table_index":5,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G1-13 Independent private service contract","researcher_record":{"Row":"G1-13","Subquestion":"Independent private service contract","Status":"partial","Finding/claims":"Potentially CPA-covered separate transaction. C007","Exact remaining evidence or next action":"Actual service and mandate"},"raw_table_index":5,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G1-14 NCA/legal/FAIS/collector/payment boundary","researcher_record":{"Row":"G1-14","Subquestion":"NCA/legal/FAIS/collector/payment boundary","Status":"excluded_with_reason","Finding/claims":"CPA does not authorise separate regulated acts. C008, C053","Exact remaining evidence or next action":"Dedicated perimeter work"},"raw_table_index":5,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G1-15 2026 direct-marketing amendment","researcher_record":{"Row":"G1-15","Subquestion":"2026 direct-marketing amendment","Status":"partial","Finding/claims":"Official identity and regulator scope established; primary PDF mislinked. C048","Exact remaining evidence or next action":"Obtain correct official Gazette attachment"},"raw_table_index":5,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G1-16 Full current consolidation","researcher_record":{"Row":"G1-16","Subquestion":"Full current consolidation","Status":"unresolved","Finding/claims":"Core Acts/regulations read; all later changes not certified. C058","Exact remaining evidence or next action":"Provision-specific amendment audit if operational use contemplated"},"raw_table_index":5,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-01 Plain-language standard","researcher_record":{"Row":"G2-01","Subquestion":"Plain-language standard","Status":"answered","Finding/claims":"§22 test. C012","Missing evidence / next action":"Review actual contract/interface"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-02 Free contract copy/access","researcher_record":{"Row":"G2-02","Subquestion":"Free contract copy/access","Status":"answered","Finding/claims":"§50. C019","Missing evidence / next action":"Actual delivery/access evidence"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-03 Itemised financial obligations","researcher_record":{"Row":"G2-03","Subquestion":"Itemised financial obligations","Status":"answered","Finding/claims":"§50. C019","Missing evidence / next action":"Actual fee schedule"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-04 Non-electronic transaction record","researcher_record":{"Row":"G2-04","Subquestion":"Non-electronic transaction record","Status":"answered conditionally","Finding/claims":"§26 subject to ECTA/exemptions. C013","Missing evidence / next action":"Apply actual channel"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-05 Electronic identity/service disclosure","researcher_record":{"Row":"G2-05","Subquestion":"Electronic identity/service disclosure","Status":"answered","Finding/claims":"ECTA §43. C014, C036","Missing evidence / next action":"Actual website record"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-06 Full electronic price/cost disclosure","researcher_record":{"Row":"G2-06","Subquestion":"Full electronic price/cost disclosure","Status":"answered","Finding/claims":"ECTA §43. C014","Missing evidence / next action":"Actual taxes/third-party costs"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-07 Advance fixed fee","researcher_record":{"Row":"G2-07","Subquestion":"Advance fixed fee","Status":"partial","Finding/claims":"Permitted form not automatic entitlement. C015, C017–C026","Missing evidence / next action":"Earning trigger, §64/65 and performance"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-08 Staged fixed fee","researcher_record":{"Row":"G2-08","Subquestion":"Staged fixed fee","Status":"partial","Finding/claims":"Must state objective stage and obligations. C015, C019","Missing evidence / next action":"Actual stages/work evidence"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-09 Periodic fee","researcher_record":{"Row":"G2-09","Subquestion":"Periodic fee","Status":"partial","Finding/claims":"Fixed-term and §64 questions possible. C025, C027–C030","Missing evidence / next action":"Timing and future-service allocation"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-10 Contingent fee","researcher_record":{"Row":"G2-10","Subquestion":"Contingent fee","Status":"unresolved for specific contract","Finding/claims":"Trigger controls subject to fairness. C052","Missing evidence / next action":"Actual definition and event"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-11 Third-party/creditor payment","researcher_record":{"Row":"G2-11","Subquestion":"Third-party/creditor payment","Status":"partial","Finding/claims":"May be consideration; intermediary disclosure may apply. C001, C016","Missing evidence / next action":"Actual payer/mandate/conflict"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-12 Intermediary status/disclosures","researcher_record":{"Row":"G2-12","Subquestion":"Intermediary status/disclosures","Status":"partial","Finding/claims":"Regs9–10 mapped conditionally. C016","Missing evidence / next action":"Prove statutory intermediary classification"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-13 Unfair price/term/manner","researcher_record":{"Row":"G2-13","Subquestion":"Unfair price/term/manner","Status":"answered at rule level","Finding/claims":"§48. C017","Missing evidence / next action":"Apply context and comparison"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-14 Liability/indemnity/acknowledgment notice","researcher_record":{"Row":"G2-14","Subquestion":"Liability/indemnity/acknowledgment notice","Status":"answered","Finding/claims":"§49. C018","Missing evidence / next action":"Actual presentation and assent"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-15 Prohibited waivers/terms","researcher_record":{"Row":"G2-15","Subquestion":"Prohibited waivers/terms","Status":"answered","Finding/claims":"§51. C020","Missing evidence / next action":"Actual clause and consequence"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-16 Court fairness powers","researcher_record":{"Row":"G2-16","Subquestion":"Court fairness powers","Status":"answered as boundary","Finding/claims":"§52 adjudicative relief. C021","Missing evidence / next action":"No actual proceeding"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-17 Regulation 44 grey list","researcher_record":{"Row":"G2-17","Subquestion":"Regulation 44 grey list","Status":"answered conditionally","Finding/claims":"Narrow presumption and scope. C022","Missing evidence / next action":"Actual consumer purpose and term"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-18 Misleading guarantees/pressure","researcher_record":{"Row":"G2-18","Subquestion":"Misleading guarantees/pressure","Status":"answered","Finding/claims":"§§40–41. C023","Missing evidence / next action":"Actual representation/evidence"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-19 Service quality/partial refund","researcher_record":{"Row":"G2-19","Subquestion":"Service quality/partial refund","Status":"answered conditionally","Finding/claims":"§54 correction or reasonable portion. C024, C051","Missing evidence / next action":"Measure actual failure"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G2-20 Prepayments/consumer property","researcher_record":{"Row":"G2-20","Subquestion":"Prepayments/consumer property","Status":"partial","Finding/claims":"§§64–65. C025–C026","Missing evidence / next action":"Actual service timing, account and allocation"},"raw_table_index":6,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-01 CPA §14 actor scope","researcher_record":{"Row":"G3-01","Route/subquestion":"CPA §14 actor scope","Status":"answered","Finding/claims":"Excludes juristic-person transactions. C011","Missing evidence / next action":"Actual party status"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-02 Maximum fixed term","researcher_record":{"Row":"G3-02","Route/subquestion":"Maximum fixed term","Status":"answered conditionally","Finding/claims":"24 months plus exceptions. C027","Missing evidence / next action":"Actual benefit/code/regulation"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-03 Consumer early notice","researcher_record":{"Row":"G3-03","Route/subquestion":"Consumer early notice","Status":"answered","Finding/claims":"20 business days. C028","Missing evidence / next action":"Receipt date/method"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-04 Accrued amounts through cancellation","researcher_record":{"Row":"G3-04","Route/subquestion":"Accrued amounts through cancellation","Status":"answered at rule level","Finding/claims":"§14(3). C030","Missing evidence / next action":"Actual ledger/performance"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-05 Reasonable cancellation penalty","researcher_record":{"Row":"G3-05","Route/subquestion":"Reasonable cancellation penalty","Status":"partial","Finding/claims":"Multi-factor test; no formula. C030","Missing evidence / next action":"Actual evidence of loss/value"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-06 Expiry notice","researcher_record":{"Row":"G3-06","Route/subquestion":"Expiry notice","Status":"answered","Finding/claims":"40–80 business days. C029","Missing evidence / next action":"Actual expiry and notice"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-07 Month-to-month continuation","researcher_record":{"Row":"G3-07","Route/subquestion":"Month-to-month continuation","Status":"answered","Finding/claims":"Default rollover. C029","Missing evidence / next action":"Actual renewal direction"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-08 CPA §16 direct-marketing nexus","researcher_record":{"Row":"G3-08","Route/subquestion":"CPA §16 direct-marketing nexus","Status":"partial","Finding/claims":"Must result from direct marketing. C010, C031","Missing evidence / next action":"Marketing and causation facts"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-09 CPA §16 five-business-day period","researcher_record":{"Row":"G3-09","Route/subquestion":"CPA §16 five-business-day period","Status":"answered","Finding/claims":"C031","Missing evidence / next action":"Actual trigger/receipt"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-10 CPA §16 15-business-day refund","researcher_record":{"Row":"G3-10","Route/subquestion":"CPA §16 15-business-day refund","Status":"answered conditionally","Finding/claims":"C032","Missing evidence / next action":"Valid rescission/no-goods branch"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-11 CPA §17 reservation route","researcher_record":{"Row":"G3-11","Route/subquestion":"CPA §17 reservation route","Status":"partial","Finding/claims":"Actual booking required. C034","Missing evidence / next action":"Characterise service arrangement"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-12 ECTA electronic scope","researcher_record":{"Row":"G3-12","Route/subquestion":"ECTA electronic scope","Status":"answered","Finding/claims":"Electronic transaction/natural consumer. C035","Missing evidence / next action":"Actual channel/end user"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-13 ECTA §43 mandatory information","researcher_record":{"Row":"G3-13","Route/subquestion":"ECTA §43 mandatory information","Status":"answered","Finding/claims":"C036","Missing evidence / next action":"Actual website/terms"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-14 Pre-order review/correction","researcher_record":{"Row":"G3-14","Route/subquestion":"Pre-order review/correction","Status":"answered","Finding/claims":"C037","Missing evidence / next action":"Actual interface evidence"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-15 §43 14-day noncompliance route","researcher_record":{"Row":"G3-15","Route/subquestion":"§43 14-day noncompliance route","Status":"partial","Finding/claims":"C038","Missing evidence / next action":"Date services received; no refund deadline stated"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-16 §44 seven-day cooling off","researcher_record":{"Row":"G3-16","Route/subquestion":"§44 seven-day cooling off","Status":"answered conditionally","Finding/claims":"C039","Missing evidence / next action":"Exact agreement and exclusion facts"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-17 §44 30-day refund","researcher_record":{"Row":"G3-17","Route/subquestion":"§44 30-day refund","Status":"answered conditionally","Finding/claims":"C040","Missing evidence / next action":"Valid cancellation/payment"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-18 Service begun with consent","researcher_record":{"Row":"G3-18","Route/subquestion":"Service begun with consent","Status":"partial","Finding/claims":"§44 exclusion. C041","Missing evidence / next action":"Actual consent and start"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-19 ECTA delayed/unavailable performance","researcher_record":{"Row":"G3-19","Route/subquestion":"ECTA delayed/unavailable performance","Status":"answered conditionally","Finding/claims":"§46. C043","Missing evidence / next action":"Agreed period, notice, availability"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G3-20 CPA/ECTA overlap and day computation","researcher_record":{"Row":"G3-20","Route/subquestion":"CPA/ECTA overlap and day computation","Status":"partial","Finding/claims":"Specific §16 carveout; other overlap/day issues held. C033, C045–C047","Missing evidence / next action":"Authoritative interpretation and actual dates"},"raw_table_index":7,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G4-01 Free call then paid in-person advice","researcher_record":{"Row":"G4-01","Workflow":"Free call then paid in-person advice","Status":"answered as classification","Finding/claims":"CPA may attach to later paid service. C001–C003, C009","Missing fact":"Actual benefit/service"},"raw_table_index":8,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G4-02 In-person direct marketing","researcher_record":{"Row":"G4-02","Workflow":"In-person direct marketing","Status":"answered as hypothetical clock","Finding/claims":"Five days to 9 Nov; refund to 30 Nov. C031–C032, C046, C050","Missing fact":"Real notice/receipt"},"raw_table_index":8,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G4-03 Direct-marketing online acceptance","researcher_record":{"Row":"G4-03","Workflow":"Direct-marketing online acceptance","Status":"answered conditionally","Finding/claims":"ECTA §44 displaces CPA §16 if applicable. C033, C035, C039–C040","Missing fact":"Exact electronic records"},"raw_table_index":8,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G4-04 Consumer-initiated online/immediate start","researcher_record":{"Row":"G4-04","Workflow":"Consumer-initiated online/immediate start","Status":"partial","Finding/claims":"§42 consent exception possible. C041","Missing fact":"Actual separate consent/start"},"raw_table_index":8,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G4-05 Fixed-term periodic fee","researcher_record":{"Row":"G4-05","Workflow":"Fixed-term periodic fee","Status":"answered as hypothetical clock","Finding/claims":"20 business days ends 1 Dec. C028, C046, C049","Missing fact":"Actual penalty evidence"},"raw_table_index":8,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G4-06 Partially performed fixed fee/guarantee","researcher_record":{"Row":"G4-06","Workflow":"Partially performed fixed fee/guarantee","Status":"partial","Finding/claims":"§§41/54; no automatic full refund. C023–C024, C051","Missing fact":"Promise and performance"},"raw_table_index":8,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G4-07 Contingent fee/no acceptance","researcher_record":{"Row":"G4-07","Workflow":"Contingent fee/no acceptance","Status":"partial","Finding/claims":"Contract trigger assumed unfulfilled. C052","Missing fact":"Actual fee clause"},"raw_table_index":8,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G4-08 Mixed legal/funds + juristic client","researcher_record":{"Row":"G4-08","Workflow":"Mixed legal/funds + juristic client","Status":"partial/adverse","Finding/claims":"CPA coverage possible; §14/ECTA cooling unavailable; separate permissions held. C053–C054","Missing fact":"Actual entity/acts/authority"},"raw_table_index":8,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G5-01 P05 D02","researcher_record":{"Row":"G5-01","Matter":"P05 D02","Status":"partial","Finding/claims":"CPA/ECTA private-service contract gateway researched. C055","Next action":"Professional permission and actual pricing"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G5-02 P05 D03","researcher_record":{"Row":"G5-02","Matter":"P05 D03","Status":"partial","Finding/claims":"Disclosure/cancellation/refund routes mapped. C056","Next action":"Actual contract/facts/remedies"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G5-03 P05 NCR amounts","researcher_record":{"Row":"G5-03","Matter":"P05 NCR amounts","Status":"excluded_with_reason","Finding/claims":"Not private-service tariff.","Next action":"Preserve fee-currentness hold"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G5-04 P06/P07","researcher_record":{"Row":"G5-04","Matter":"P06/P07","Status":"excluded_with_reason","Finding/claims":"Await review; not adopted. C057","Next action":"Separate coordinator review"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G5-05 Generic enforcement information","researcher_record":{"Row":"G5-05","Matter":"Generic enforcement information","Status":"partial","Finding/claims":"§69 routes described only. C059","Next action":"No filing/contact; full remedies pass"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"G5-06 Country/A097/A098 acceptance","researcher_record":{"Row":"G5-06","Matter":"Country/A097/A098 acceptance","Status":"unresolved/held","Finding/claims":"National contract gateway only. C058–C060","Next action":"Separate completed review"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D01 NCR debt-counsellor fee currentness","researcher_record":{"Row":"D01","Deferred family":"NCR debt-counsellor fee currentness","Status":"excluded_with_reason","Exact retained question":"What final current NCR/Ministerial/condition instrument governs statutory debt-counsellor charges?"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D02 Reckless-lending fee withdrawal","researcher_record":{"Row":"D02","Deferred family":"Reckless-lending fee withdrawal","Status":"excluded_with_reason","Exact retained question":"Preserve P05/P07 chain; no adoption here"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D03 Schedule 2 application-fee inflation","researcher_record":{"Row":"D03","Deferred family":"Schedule 2 application-fee inflation","Status":"excluded_with_reason","Exact retained question":"No private-service relevance; separate fee pass"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D04 PDA/client money/trust/distribution","researcher_record":{"Row":"D04","Deferred family":"PDA/client money/trust/distribution","Status":"excluded_with_reason","Exact retained question":"P06 awaits review; no funds authority inferred"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D05 NCA debt-counsellor registration/perimeter","researcher_record":{"Row":"D05","Deferred family":"NCA debt-counsellor registration/perimeter","Status":"excluded_with_reason","Exact retained question":"Apply P01 provider gateway to actual acts"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D06 Legal advice/representation and attorney trust","researcher_record":{"Row":"D06","Deferred family":"Legal advice/representation and attorney trust","Status":"excluded_with_reason","Exact retained question":"Read Legal Practice Act/LPC rules for actual legal service"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D07 FAIS/financial-product advice","researcher_record":{"Row":"D07","Deferred family":"FAIS/financial-product advice","Status":"excluded_with_reason","Exact retained question":"Classify actual product and advice/intermediation"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D08 Creditor-side collection/purchaser/servicer","researcher_record":{"Row":"D08","Deferred family":"Creditor-side collection/purchaser/servicer","Status":"excluded_with_reason","Exact retained question":"Apply Debt Collectors Act and mandate facts"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D09 Payment-system/FIC/AML permissions","researcher_record":{"Row":"D09","Deferred family":"Payment-system/FIC/AML permissions","Status":"excluded_with_reason","Exact retained question":"Classify actual receipt/control/transmission of money"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D10 Actual private contract interpretation","researcher_record":{"Row":"D10","Deferred family":"Actual private contract interpretation","Status":"excluded_with_reason","Exact retained question":"No real contract obtained"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D11 Full private/regulatory remedies and damages","researcher_record":{"Row":"D11","Deferred family":"Full private/regulatory remedies and damages","Status":"excluded_with_reason","Exact retained question":"Separate standing, forum, causation and relief analysis"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D12 VAT/tax treatment","researcher_record":{"Row":"D12","Deferred family":"VAT/tax treatment","Status":"excluded_with_reason","Exact retained question":"Determine supplier status, tax and invoice rules separately"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D13 Debt-product and NCA credit classification","researcher_record":{"Row":"D13","Deferred family":"Debt-product and NCA credit classification","Status":"excluded_with_reason","Exact retained question":"Classify each underlying debt separately"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D14 Administration orders/sequestration/insolvency/rescue","researcher_record":{"Row":"D14","Deferred family":"Administration orders/sequestration/insolvency/rescue","Status":"excluded_with_reason","Exact retained question":"Separate statutory remedy and actor analysis"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D15 2019 debt intervention","researcher_record":{"Row":"D15","Deferred family":"2019 debt intervention","Status":"excluded_with_reason","Exact retained question":"P02/P03 commencement/implementation holds unchanged"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D16 Credit reporting/clearance","researcher_record":{"Row":"D16","Deferred family":"Credit reporting/clearance","Status":"excluded_with_reason","Exact retained question":"No reporting result inferred from contract cancellation"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D17 Prescription/limitation/revival","researcher_record":{"Row":"D17","Deferred family":"Prescription/limitation/revival","Status":"excluded_with_reason","Exact retained question":"Separate debt-specific clock analysis"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D18 Security/mortgage/repossession/court enforcement","researcher_record":{"Row":"D18","Deferred family":"Security/mortgage/repossession/court enforcement","Status":"excluded_with_reason","Exact retained question":"Cancellation of adviser contract does not alter creditor security"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D19 Public, tax, fines, support, medical, rent and utilities","researcher_record":{"Row":"D19","Deferred family":"Public, tax, fines, support, medical, rent and utilities","Status":"excluded_with_reason","Exact retained question":"Sector-specific debt law"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D20 Foreign law/jurisdiction/recognition/remote enforcement","researcher_record":{"Row":"D20","Deferred family":"Foreign law/jurisdiction/recognition/remote enforcement","Status":"excluded_with_reason","Exact retained question":"CPA/ECTA nexus does not complete A098"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D21 Municipal/local rules and consumer courts","researcher_record":{"Row":"D21","Deferred family":"Municipal/local rules and consumer courts","Status":"excluded_with_reason","Exact retained question":"Identify actual locality and forum"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D22 Complete source-currentness/consolidation audit","researcher_record":{"Row":"D22","Deferred family":"Complete source-currentness/consolidation audit","Status":"excluded_with_reason","Exact retained question":"Provision-specific later amendments still require checking"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D23 Whole-country/A097 acceptance","researcher_record":{"Row":"D23","Deferred family":"Whole-country/A097 acceptance","Status":"excluded_with_reason","Exact retained question":"National gateway is not completed country report"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"D24 A098 cross-border acceptance","researcher_record":{"Row":"D24","Deferred family":"A098 cross-border acceptance","Status":"excluded_with_reason","Exact retained question":"Foreign-law and enforcement research remains separate"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"T01 Eastern Cape","researcher_record":{"Row":"T01","Province":"Eastern Cape","Status":"unresolved","Exact next question":"Which provincial consumer authority/court and local rules govern an actual transaction or remedy?"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"T02 Free State","researcher_record":{"Row":"T02","Province":"Free State","Status":"unresolved","Exact next question":"Same province-specific authority, procedure and locality inquiry"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"T03 Gauteng","researcher_record":{"Row":"T03","Province":"Gauteng","Status":"unresolved","Exact next question":"National regulator location or supplier office does not establish all Gauteng procedures"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"T04 KwaZulu-Natal","researcher_record":{"Row":"T04","Province":"KwaZulu-Natal","Status":"unresolved","Exact next question":"Read actual provincial/local consumer and forum texts if nexus exists"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"T05 Limpopo","researcher_record":{"Row":"T05","Province":"Limpopo","Status":"unresolved","Exact next question":"No province/local body examined"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"T06 Mpumalanga","researcher_record":{"Row":"T06","Province":"Mpumalanga","Status":"unresolved","Exact next question":"No province/local body examined"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"T07 Northern Cape","researcher_record":{"Row":"T07","Province":"Northern Cape","Status":"unresolved","Exact next question":"No province/local body examined"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"T08 North West","researcher_record":{"Row":"T08","Province":"North West","Status":"unresolved","Exact next question":"No province/local body examined"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}},{"topic":"T09 Western Cape","researcher_record":{"Row":"T09","Province":"Western Cape","Status":"unresolved","Exact next question":"No province/local body examined"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_actor_credit_traceability_repairs_pending_with_currentness_contract_territorial_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"reviewed_with_three_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/tables/examples;9selectedfreshsourcefamilies6actualPDFimages/mathonly, notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:25:31.766016+00:00","review":"[internal evidence reference]","status":"ThreeboundedP08groupsaddressed;currentness_private_province_foreign_parentholdsretained"}}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"C_ZA-P08-contract-qualification-repairs-20261027","status":"three_bounded_groups_addressed_with_remaining_holds","at":"2026-10-27T04:04:30.916629+00:00"}]}