Part 4: Consumer rights and disputes Interpretation Section 247: Meaning of "average consumer": Vulnerable persons
This section defines "vulnerable persons" as a particular group for the purposes of this Chapter.
	This section is applied in two parts. First, when a person is vulnerable to a commercial practice, or vulnerable to the product related to a commercial practice, in a way that the trader can reasonably be expected to foresee. Second, as a result of the vulnerability, the practice is likely to impact the vulnerable person’s ability to make an informed decision, and therefore they are likely to take a transactional decision that they otherwise would not have taken.
	Subsection (2) states that references to the average consumer in this Chapter in cases involving vulnerable persons, are to be read as references to an average member of a group of consumers who are vulnerable.
	Subsection (4) outlines some of the ways by which a group of consumers may be vulnerable to commercial practices, or products relating to commercial practices. For example, elderly consumers may be more vulnerable to certain practices like pressure selling because of their age, and consumers affected by a serious illness or physical injury may be more vulnerable to misleading advertising that presents products able to cure them. Vulnerability can also be context dependent, so a group of consumers may become vulnerable due to the ‘circumstances they are in.’ This may include, among other things, being in mourning, going through a divorce, or losing a job. Section 248: Meaning of "product"
	This section defines "product" for the purposes of this Chapter.
	Subsection (2) specifies that a trader who demands payments from a consumer in settlement of liabilities or purported liabilities is to be treated in this Chapter as offering to supply a product to the consumer. In this case, the product that the trader offers to supply is the full or partial settlement of the liabilities owed.