Part 4: Consumer rights and disputes Duties of traders Schedule 23: Pre-contract information and reminder notices
Part 1 of the Schedule sets out the key pre-contract information which is required to be given to consumers under section 256, subsection (1), paragraph (a).
	Paragraph 2 applies where the proposed contract falls within section 254, subsection (2) of the definition of subscription contract, and specifies that the consumer must be notified of the on-going obligation to pay unless steps are taken to end the contract and the minimum commitment period e.g. "you have subscribed for a minimum of 6 months, you may end your contract any time after [insert /day/month/year]"
	Paragraph 3 applies where the proposed contract falls within section 254, subsection (3) of the definition of subscription contract, and specifies that the consumer must be notified that they will be charged, or charged a higher rate than the initial one, and the date on which the consumer will become liable for the first charge, or first higher charge.
	Paragraph 4 refers to how often payments will be taken, e.g. monthly, weekly annually etc. as well as the amount that will be taken, or the minimum amount if the payment is variable. For certain contracts it may not be possible to specify the amount of the payments, for example, where the consumer is liable for a minimum payment under the contract but the actual amount payable each payment period will be calculated according to the consumer’s usage or choice of product for that period. In such cases it will be necessary to provide the consumer with information on how the price will be calculated. Any term of a consumer contract that allows for a price to be varied during the course of the contract must comply with the requirement of fairness in Part 2 of the Consumer Rights Act 2015.
	Paragraph 5 is intended as a clarifying measure to enable consumers to compare prices. If contracts are not paid for monthly, consumers should be provided with a "pro-rata" cost per month. This requirement does not apply to contracts which are paid for monthly.
	Paragraph 6 requires the trader to state the minimum total amount for which a consumer will be liable under the contract.
	Paragraph 7 requires the trader to outline particulars of any terms within the contract that allow the trader to vary the frequency or amount of payments under the contract.
	Paragraph 8 requires the trader to outline how the consumer can exit the contract and signpost to the location online or provide the necessary contact details to enable the consumer to do so.
	Paragraph 9 requires the trader to state the amount of notice that the consumer must give to bring the contract to an end.
	Paragraph 10 requires the trader to specify when a reminder notice will be sent to consumers in accordance with section 259 subsection (3).
	Paragraph 11 requires traders to provide a summary of the consumer’s right to cancel the contract within the initial cooling-off period, and a summary of any right the consumer might have to cancel the contract within a renewal cooling-off period. The trader must also state that further details about the rights are set out in the full pre-contract information.
	Part 2 of the Schedule sets out the full pre-contract information which a trader is required to give consumers under section 256, subsection (1), paragraph (b). Paragraph 13 of Schedule 23 provides that that this includes the key pre-contract information that was already required to be provided under Part 1 of Schedule 23. The requirements in addition to this are broadly the same as those requirements under schedule 2 of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 that are not already reflected in the key pre-contract information specified in Part 1 of the Schedule.
	Paragraph 14 requires the trader to describe what the product is and to give as much information as is appropriate to the means of communication.
	Paragraph 15 requires the trader to set out their identity and the identity of any other person the trader is acting on behalf of. In this context, ‘identity’ means the name of the trader, and if different, the name under which the trader trades.
	Paragraph 16 requires the trader to provide their business address and any email address and telephone number. If the service address of the trader (the address at which the person will accept service of documents) is different to the business address, the trader must additionally provide this address.
	Paragraph 17 requires the trader to provide the business address, email address and telephone number of persons on whose behalf the trader is acting (if that person has such addresses or phone number.) If the service address of that person is different to the business address, the trader must additionally provide this address.
	Paragraph 18 requires the trader to specify all additional delivery charges and any other costs (if those charges cannot reasonably be calculated in advance, the trader is required to specify that such additional charges may be payable) which is inclusive of tax.
	Paragraph 19 requires the trader to provide information regarding the payment, delivery and performance of the good, service or digital content, including the time which the trader undertakes delivery of these products.
	Paragraph 20 requires the trader to provide details of their complaint handling policy.
	Paragraphs 21 and 22 require the trader to provide information about the consumer’s right to cancel during the initial and renewal cooling off period. This includes information such as when these periods begin and end, how a consumer may exercise their right to cancel during these periods, the circumstances under which the consumer may lose their right to cancel and any consequences that arise as a result of the consumer exercising their right, such as refund entitlements.
	Paragraph 23 requires the trader to provide the consumer with a reminder of the statutory rights of the consumer under Part 1 of the Consumer Rights Act 2015.
	Paragraph 24 requires the trader to provide information about the existence and conditions of after-sale customer assistance, after-sales and commercial guarantees.
	Paragraph 25 requires the trader to provide information on the existence of relevant code of conduct and how to obtain a copy.
	Paragraph 26 require the trader to provide information on the existence and conditions of deposits or other financial guarantees that may be requested by the trader and paid or provided by the consumer.
	Paragraph 27 requires the trader to provide information on digital content functionality and compatibility. This might cover information such as information about its computer language, file type, access requirements, updates, tracking, internet connection, geographical restrictions, any additional purchases required and information regarding compatibility of the product with both hardware and other software.
	Paragraph 28 refers to the existence of any 'alternative dispute resolution' schemes that the trader is subject to and how the consumer may access them.
	Part 3 of the Schedule sets out the reminder notice information which a trader is required to give consumers under section 259, subsection (1), paragraph (a).
	Paragraph 30 requires the trader to highlight that the consumer will become liable for the renewal payment.
	Paragraph 31 requires the trader to provide the date the renewal payment is due and the amount the consumer is liable to pay, in the reminder notice. Paragraph 32 requires the trader to specify the amount of the previous renewal payment (if any) for comparison (see also paragraph 33 if the previous renewal payment is lower that the renewal payment to which the notice relates).
	If the consumer will be liable to pay further payments in addition to the renewal payment, if the contract renews, paragraph 34 requires the trader to disclose the amount and the frequency of those additional payments. Paragraph 35 requires the trader to specify the amount of any previous payments equivalent to those mentioned in paragraph 34 (i.e. recurring payments) for which the consumer was liable (i.e. during the current contract period which is due to expire), for comparison.
	Paragraphs 33 and 36 require the trader to highlight any differences in the amounts of the renewal payment or the further recurring payments, as between the current contract period which is due to expire, and the renewed contract period in the event the contract were to renew.
	Paragraph 37 requires the trader to specify the total minimum amount to which the consumer will become liable under the contract if it renews to a further term.
	Paragraph 38 requires the trader to specify the date on which the consumer will become liable for the next following renewal payment (after the forthcoming renewal payment) or, if no further renewal payments will arise under the contract, the date on which the contract will come to an end.
	Paragraph 39 requires the trader to specify means by which the consumer can bring the contract to an end to avoid further liability.