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Only goods or services that are bought or sold for personal, family or household use and have a value of more than are affected by this regulation.Matchmaking Services: Before you sign up for licensing exists, the act provides protection against unfair business practices.Home Renovations (pdf) This publication provides information about home renovation contracts in general as well as specific information about working with prepaid contractors.Before you hire a contractor to do renovations or repairs to your home, do your homework.Debt repayment agencies charge a fee to negotiate payment arrangements for people who owe money. The maximum fee a payday lender can charge is per 0.

Some homeowners also have their place inspected so they can get any defects fixed under their new home warranty before it runs out.Gift Cards (pdf) Gift cards purchased in Alberta are no longer subject to expiry dates and fees that lower their value over time. The regulation also includes other rules to improve consumer protection, use of the cards and disclosure of terms and conditions. What Creditors Can Do If You Don't Pay (pdf) When you use credit to make purchases or pay for services and fail to make payments your creditors may take legal actions to recover the money owed.Common types of credit are bank loans, bank account overdrafts, lines of credit, credit cards, finance agreements, student loans, payday loans, etc.Although educational and entertaining, it can also expose users to scams and other fraudulent activities.This publication outlines how to keep you and your online activities out of harm’s way.

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