Microsoft word - cpa guidelines - english
Requirements on content providers (CPA Guidelines)
Marketing via SMS – requirements according to the Marketing Control Act § 2b . 2
Information required before a content services transaction is completed . 3
Information to be provided in the marketing . 4
Requirements regarding the presentation of the information . 5
Entering into and completion of an agreement . 6
Specific about subscription services . 7
Requirements for all subscription services . 7
Specific terms for fixed subscription services . 8
Specific terms for chat and other variable subscription services . 9
1.1 Marketing via SMS – requirements according to the Marketing Control
1.1.1 Active consent
Content suppliers can as a general rule only distribute marketing material via SMS, e-mail
etc. to consumers that have actively consented to receive such marketing messages.
Consent can only be obtained by the consumer actively providing it after having been
informed what such consent entails. This applies irrespective of whether an attempt is made
to obtain consent from children or adults, cf. the guidelines on obtaining and using personal
If the consent to marketing is obtained through written registration (for instance on the
internet), the consumer must be informed directly on the screen about what he is consenting
to. It is not sufficient that the information is provided by a link for the consumer to access.
Furthermore the consumer actively has to tick off in a box or similar to signal that he is
consenting to receive marketing information.
When asking whether a consumer wishes to consent to receive marketing, e.g. by SMS, it is
important to be aware of the fact that children and young people themselves cannot consent
to receive direct marketing by e-mail, SMS, MMS etc. before the age of 152.
Content suppliers cannot transfer their right to send marketing information to consumers to
other tradesmen without the consumer having freely given an informed and explicit consent
to the transfer.
The consumer must be able to withdraw his or hers consent at any time by sending the text
message “STOPP REKLAME” to the access number that is distributing the marketing or
product information material. All receipts sent to a consumer who has used the “STOPP
REKLAME” command shall be free of charge.
The purchase of content services may not be conditional on the consumer consenting to
receiving advertising by SMS, MMS, e-mail etc. Luring consumers with access to free content
services in exchange for consenting to receiving advertising messages can be illegal in
certain cases. Each concept/marketing measure must be assessed specifically to determine
whether such an approach can be allowed.
1.1.2 Established customer relationship
If a content supplier is to distribute marketing material via SMS or MMS without obtaining
the consumer’s active consent to receive such marketing messages, a customer relationship
between the consumer and the content supplier must have been established.
The following applies for mobile content service marketing based on
Establishing customer relationship
1 Lov om behandling av personopplysninger (Nr. 31 av 14. april 2000): http://www.lovdata.no/all/nl-20000414-031.html 2 See http://www.forbrukerombudet.no/asset/1211/1/1211_1.pdf
A customer relationship can only be established when payable purchases/transactions are made from the same access number or mobile service portal in accordance with the following criteria: One-time-use services: Three single purchases must be made within a period of 30 days for a customer relationship to be established. Subscription services: A consumer must subscribe to a service for 30 consecutive days in order for a customer relationship to be established. Chat services: The consumer must have made purchases on two separate, discontinuous days within a 30-day period before a customer relationship is established. Notification of the establishment of a customer relationship Before a customer relationship is established and before any marketing or product information can be distributed, the consumer must be notified via SMS that a customer relationship has been established, what such relationship entails and information on how to give notice if the marketing or product information is not wanted. Duration of a customer relationship A customer relationship should last no longer than 60 days after the final payable transaction. If the consumer has not been active for 60 days, the consumer must be automatically removed from any address lists and should receive no further marketing or product information thereafter. Discontinued marketing in an established customer relationship A customer in an established customer relationship should be able to stop any marketing material received by sending a “STOPP REKLAME” message to the access number that is distributing the marketing or product information. All distribution of marketing messages shall then immediately cease, and before another customer relationship can be established, the consumer’s telephone number shall be quarantined for a period of at least 6 months. All receipts sent to the consumer after using the “STOPP REKLAME” command shall be free of charge. Marketing in connection with a customer relationship When distributing marketing based on an established customer relationship, only marketing messages for products/services similar to those the consumer has previously purchased can be delivered. Content services with an age limit are never to be considered similar to content services without an age limit. If the marketing is of an erotic nature, the consumer must meet the requirements for a customer relationship involving the purchase of erotic content services. Price on text messages All advertising messages, newsletters, information and receipts related to marketing shall be free of charge for the consumer.
1.2 Information required before a content services transaction is
All marketing directed towards consumers must be drawn up in a clear manner, so that it is
not misleading or provides insufficient information. The marketing must give the consumer
the information the consumer has a reason to expect to receive. This means that the consumer must be informed of all important terms and conditions that are linked to the purchase before the consumer decides to enter into the agreement. Mobile content services are not to be marketed towards children and young people if the content makes the services unsuitable for this age group. This applies, for example, to services with frightening, violent, erotic/pornographic content etc.
1.2.2 Information to be provided in the marketing
In all marketing of mobile content services, including advertisement in magazines, e-mail,
SMS, TV, internet and boards, the following information must at a minimum, be provided in
a clear and precise manner:
1. The price of the service. The price of all content services on SMS and MMS must be listed
”per message received” (or per ringtone, picture, etc. received).
2. The name of the supplier of the service (the content supplier).
3. If it is a subscription service, the following information is to be provided in a clear and
that the service is a subscription, either by using the word “subscription” or by other means made clear that the service is a subscription. The service must not be marketed as a one-time-use service if it in fact is a subscription service3.
that delivery of the services will be on a continuous basis
whether the agreement is for a limited period of time or for no determined period
whether the subscription is e.g. per day or per month, and whether the subscription is renewed automatically
whether the right to use content services that the consumer has paid for but not used will expire when the subscription is renewed
the number of messages the consumer can expect to receive. If this is not possible, the expected number of messages must be given. This applies for instance to chat services, alert services, quiz or similar.
the price of the content services that are delivered pursuant to Subscription
4. If it is a subscription service, the consumer must be notified that the service can be stopped by sending the message STOPP to the same access number that the service was ordered from4. The code word STOPP must be used in all marketing for information about how to stop a subscription service. 5. Any age limit on use of the service.
3 The marketing should not focus on the consumers’ choice to e.g. buy one single Ringtone, when the service in fact is a subscription service. 4 See the Ecom Regulation § 5a-2 third paragraph http://www.lovdata.no/for/sf/sd/xd-20040216-0401.html#5a-2
6. The contact details and phone number to the content supplier’s customer service or of the company responsible for handling questions regarding the service. 7. Which phone and, if relevant, which configuration are required for the consumer to receive the correct content. 8. If tracking of the position of the consumer is part of the supplier’s service, the consumer must be informed of this in the marketing material. In addition, the content supplier of the tracking service is required to obtain the consumer’s consent for the use of positioning services and comply with the terms of the Personal Data Act.
1.2.3 Requirements regarding the presentation of the information
In all marketing the information in section Feil! Fant ikke referansekilden.
horizontal, clear and easy to read when it comes to size, colour and location.
All major terms for the service, including price– and subscription terms must always be
notified with equal or similar communicative effect as the access number. The same
requirements apply if the consumer has to fill in his mobile telephone number to order the
On TV, text-TV, internet and other similar marketing channels, the price information must be
presented for at least as long as the access number or the area for the filling in the mobile
number, and in direct relation to it. The pricing details must be presented on the same
screen as the access number or the area for filling in the mobile number. Such information
must not be hidden between other terms etc.
On radio, on the phone and similar marketing channels, the information mentioned in section
1.2.2 must be given clearly when providing information about, or referring to, a content
TV and radio advertising may not specifically target children, cf. § 3-1 of the Broadcasting
22.214.171.124 Information regarding purchases made by WAP
When WAP is used, the information described in section 1.2.2, must be given directly in the
WAP dialogue before the consumer approves the delivery of the services and authorizes
As a minimum requirement, the price must be listed in parenthesis on the link, if the content
supplier has posted detailed information on the same page or via a separate link.
If the data transfer rate is not included in the price, the consumer must be informed that any
data transfer will imply additional charges. For instance:
“Due to data transfer pricing, an additional charge for data transfer will be added to the price
of the service. The service is expensive if used while abroad because of the data transfer
rates imposed by the foreign carriers. In addition to the stated price there comes an addition
due to the price of data traffic. If you are abroad, this will be relatively expensive due to
roaming prices from international operators”.
The content supplier must inform the consumer if the data transfer rate is included in the price. For instance: “The price includes data transfer and is the total price you will be charged in Norway. If using this service while abroad, an addition charge for the data transfer will be added to the total price, and as the charges are based on the foreign carriers’ data transfer rates, this is quite expensive.”
1.3 Entering into and completion of an agreement
For an agreement of delivery of mobile content services to be valid, the consumer must have
received the information listed in section 1.2 in a clear and precise manner prior to delivery
of the service.
When a consumer orders a service from an access number, the service and all related
messages must be delivered via the same access number. The content supplier can only
transfer the consumer from one access number to another or use multiple access numbers if
the consumer has been informed in advance, and as long as there will be no consequences
to the consumer.
The amount limits mentioned in section 1.3.3 must not to be evaded by transferring the
consumer from one access number to another.
A content supplier cannot charge for delivery of a service through several transactions. The
supplier must therefore use defined rates, and only charge the consumer once. For example,
content suppliers cannot use several transactions to exceed the defined tariff.
Content suppliers must not charge a consumer for a content service before the service has
been delivered to the consumer’s telephone. If the consumer downloads the same content
service twice, no charge should be placed on the second download as long as it is completed
within an hour of the original download.
If the mobile telephone account is empty or the mobile phone has been temporarily blocked,
the content supplier must cancel the service and not attempt to conduct a payment
transaction or redelivery until the consumer has ordered a new service. However, where
subscription services are concerned, the content supplier may make several attempts while
the subscription is active, but only one attempt per day per customer. If the content supplier
has not yet been charged for a service when a subscription period expires, the content
supplier cannot transfer any outstanding charges from the previous period. If the content
supplier is unable to charge the consumer for a service within a period of two months after
the initial attempt, the consumer must be removed from the service, see section 1.4.1. If the
subscription is permanently blocked, the consumer must be removed from all services, see
The content supplier must notify the consumer of the price for help and error messages if
they are not free of charge for the consumer. The maximum price for an SMS containing
help or error messages or other general information, must be NOK 1.
1.3.3 Usage ceilings
Usage ceilings for people aged over 18
Content suppliers must set a ceiling so that the consumers cannot be charged more than
NOK 5,000 incl. VAT, per month for purchasing services from an access number.
The consumer shall, free of charge, be notified via SMS that the NOK 5,000 limit has been
exceeded, and that the supplier will be unable to offer the consumer in question content
services for the rest of the month.
Amount limits for minors
The ceiling for services directed towards children and young people must be far lower than
the one for adults. The Consumer Ombudsman may consider a violation of the Marketing
Control Act to have occurred if content suppliers do not set a limit of about NOK 1,000, incl.
VAT, per month for the purchase of services from an access number.
The determination on whether a service targets children and young people must take into
account the channels through which the service is marketed, the focus of the marketing and
the content of the services. If these services are marketed in typical children’s and youth
magazines or on web sites for children and young people, the services will generally be
considered as targeting children and young people. The same applies if the marketing or
service contains characters from cartoons, TV-series, movies or games targeted at young
The amount limits may not be evaded by transferring the consumer to a new access
1.4 Specific about subscription services
1.4.1 Requirements for all subscription services
Consumers ordering subscription services shall immediately receive an information message
beginning with the word “Subscription”.
All necessary information linked to the service and all key terms must be included in the
information message, hereunder the following information:
The service can be stopped at any time by sending an SMS with the code word “STOPP”.
The price of the service and each message received.
The period the service will be running, per week, month etc, and whether it is renewed automatically or not.
The phone number to the content supplier’s customer service.
Other key terms and conditions must also be mentioned. A link to another information source that is not automatically available from the mobile phone, e.g. Internet or text-TV, is not sufficient. The information message can consist of more that one SMS, but the price for the information to consumers must be maximum NOK 1.
Example: Welcome to ABC. Send STOP to 19xx to stop this service. NOK 5 per message received. The subscription is renewed each month until termination notice is given. Customer service 2233 4455. This message costs NOK 1.
Stop command The consumer must be able to stop any subscription service by sending the message “STOPP” to the access number the service has been delivered from. It is irrelevant whether the consumer uses upper or lowercase letters in the stop message. The content supplier must immediately stop all services (SMS, WAP, MMS, etc). If several services are active, the supplier must send the consumer an SMS listing the active services and information about how the consumer can stop each service by SMS. The maximum price of these SMS will be NOK 1. Consumers who terminate a subscription must receive confirmation of such termination. If the content supplier receives the code word “STOPPALLE”, “STOPALL”, “STOPP ALLE” or “STOP ALL”, the supplier must immediately stop all subscription services (SMS, WAP, MMS etc) for the consumer that sent the message, without further discussion with the customer. Confirmation of order SMS and delivery The customer shall first receive the information SMS with terms and conditions (as defined). The customer must then send a “confirmation of order” SMS to the short number that is used for charging/service delivery. If the consumer does not send the “confirmation of order” SMS, the subscription service shall not be started/activated and no further messages shall be sent to the customer before he/she makes a new order (new order requires same procedure with information SMS and “confirmation of order” SMS). Failure of delivery If the content supplier has not had any successful delivery of message or payment transaction within the last 60 days, the content supplier must not send marketing- or subscription messages to the consumer. In such cases, the content supplier shall erase all customer information and stop all existing subscription services of the consumer. Age limit on use/buying of subscription services is 18 years old.
1.4.2 Specific terms for fixed subscription services
Examples of fixed subscription services are subscriptions on ring tones or games where the
consumer pays a fixed amount and receives a fixed amount of over charged messages per
week or per month.
At each automatic subscription renewal point, the consumer shall be given information
Whether the service runs per day or per month and whether it is automatically renewed or not
A fixed subscription service is renewed automatically every time the consumer receives a message from the supplier that the customer is charged for. The consumer may terminate the service after every message received.
1.4.3 Specific terms for chat and other variable subscription services
Examples of variable subscription services are for example chat, notifications or competition
services where the number of messages the consumer receives can vary.
When the consumer has received 20 messages since the last information message was sent,
the supplier must send a new message with the same information, se the requirements in
A chat service cannot cost more than NOK 30 per message.
Only a limited amount of messages can be sent to a consumer within a short interval (e.g.
no more than 4 messages received per minute). To prevent this, the content supplier must
be able to offer services where the consumers receive a limited number of messages within
a specific period of time.
Automatic stopping of the service
If a consumer has received more than 20 messages since the consumer last sent a message,
the content supplier must stop the service immediately. The consumer must then enter into
a new delivery agreement if he or she wants to continue using the service. If there is a
variable subscription service with a limited number of messages, e.g. 0-10 messages per
week, it is not necessary to terminate the service after 20 messages.
1.5 Consumers age
The content supplier shall classify the content according to minimum age and make checks
with the operators to control the age of the consumer.
If the age control shows that the consumer is under the required age for the service, the
transaction shall immediately be stopped and the content is not to be delivered to the
consumer. The consumer shall receive an information message with reference to the
consumer’s age as a reason for rejected delivery. For example: “You are not old enough to
use this service or your mobile operator does not have information about your age. Contact
your mobile operator for registration of correct age.“ The price of this information message
must be maximum NOK 1.
The content supplier must ensure that content unsuitable for the consumer’s age is not sold.
This applies to e.g. frightening, violent, erotic/pornographic content.
1.6 Re-use of mobile phone number
To prevent sending new customers messages targeted to previous owners of a phone
number, the content supplier must terminate all subscription services and delete all customer
information if feedback from the mobile operator indicates that the consumer has been
permanently blocked, or if the content supplier has unsuccessfully attempted to deliver a service to the consumer over a period of 60 days. Of this reason the content supplier cannot distribute subscription- or marketing messages to a consumer if the content supplier has not had a successful message delivery or payment transaction in the past 60 days.
1.7 Customer service
The content provider is obligated to provide customer service for all services offered via the
access numbers the company has an agreement with the operators to use, including
questions related to marketing, ordering, delivery and payment. Consumers must be able to
reach customer services for all services delivered via the same access number at
one shared phone number. The content supplier must handle customer service directly and
cannot forward customer service calls.
Complaints must be processed within a reasonable period after the complaint is received. All
complaints must be processed properly. If the complaint rejected, a minimum requirement is
that the grounds for the decision is explained, and that the complainant’s arguments are
answered as fully as possible.
Customer service must communicate in Norwegian. The opening hours must be at least from
0900-1500 on weekdays. Information about the opening hours must be given to consumers
when consumers call the number outside service opening hours. For example: Customer
service: 930 00 000, is open on weekdays from 0900 – 1500.
If the content supplier receives the code words “HJELP”, “HELP”, “KUNDESERVICE”,
“CUSTOMERSUPPORT”, “CUSTOMER SUPPORT” or “SUPPORT”, the consumer must receive
an information message with information about the content supplier’s customer service
including e-mail address, phone number and opening hours. The price of the information
message must be maximum NOK 1.
The consumers’ costs associated with contacting customer service must not exceed the
regulator mobile call rate.
Adrenal Disease in Ferrets Heidi L. Hoefer, DVM, ABVP The adrenal glands are small organs, about the size of a lentil, and are locatedin the abdomen. There are two glands, one on either side near the kidneys. Theadrenal glands are a very important source of hormone production in the body of allmammals, including people and ferrets. There is a common condition in ferretswhere the adrenal gla
Professional hard disk Unit PHU-120K – Basic FAQ General Information: Q1: Why is Sony introducing PHU-120K? A1 : PHU-120K has been developed to enhance workflow opportunities for XDCAM EX users by providing even larger storage capacity. Using the now well established Express Card technology and USB2.0 interface, our new hard disk benefits from an optimized protocol for controlling