{"id":10476,"date":"2014-10-10T16:36:42","date_gmt":"2014-10-10T13:36:42","guid":{"rendered":"http:\/\/microfinance.ge\/?page_id=10476"},"modified":"2021-04-28T22:53:45","modified_gmt":"2021-04-28T18:53:45","slug":"consumer-rights","status":"publish","type":"page","link":"http:\/\/microfinance.ge\/en\/consumer-rights\/","title":{"rendered":"consumer rights"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"width:calc( 100% + 0px ) !important;max-width:calc( 100% + 0px ) !important;margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-flex-start fusion-column-no-min-height\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\">\n<p style=\"text-align: justify;\"><strong><a title=\"The Code of Ethics\" href=\"http:\/\/microfinance.ge\/wp-content\/uploads\/Code-of-Ethics.pdf\" target=\"_blank\" rel=\"noopener\">The Code of Ethics<\/a> <\/strong>aims at improving the protection of consumer rights. If you think your right as consumer\u2019s have been violated by any member organization of the Association and the problem was not resolved after your addressed the organization, you can file a complaint. The rule of submitting the complaint to the Association\u2019s Ethics and Social Impact Committee is defined below:<\/p>\n<p>Extract from the Bylaws of the Ethics and Social Impact Committee:<\/p>\n<p style=\"text-align: justify;\">5. Mechanism for submission and review of complaints<\/p>\n<p style=\"text-align: justify;\">5.1 The Association will disseminate the information about submission of complaints by consumers on its web-site microfinance.ge and through the printed materials;<\/p>\n<p style=\"text-align: justify;\">5.2 Complaints should be submitted via electronic mail: <a title=\"consumer@microfinance.ge \" href=\"mailto:consumer@microfinance.ge\" target=\"_blank\" rel=\"noopener\">consumer@microfinance.ge<\/a>\u00a0or on the hotline 295 12 11 and addressed to the Ethics and Social Impact Committee (\u201cCommittee\u201d)<\/p>\n<p style=\"text-align: justify;\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f10743-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"10743\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/pages\/10476#wpcf7-f10743-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"10743\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f10743-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p>Your Name (required)\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n<\/p>\n<p>Your Email (required)\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n<\/p>\n<p>Subject\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-subject\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-subject\" \/><\/span>\n<\/p>\n<p>Your Message\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" name=\"your-message\"><\/textarea><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Send\" \/>\n<\/p><div class=\"fusion-alert alert custom alert-custom fusion-alert-center wpcf7-response-output alert-dismissable\" style=\"border-width:1px;\"><button type=\"button\" class=\"close toggle-alert\" data-dismiss=\"alert\" aria-hidden=\"true\">&times;<\/button><div class=\"fusion-alert-content-wrapper\"><span class=\"fusion-alert-content\"><\/span><\/div><\/div>\n<\/form>\n<\/div>\n\n<p style=\"text-align: justify;\">5.3 Complaint will be deemed eligible if:<\/p>\n<p>The author of the complaint (\u201capplicant\u201d) is or was a consumer of the member of the Georgian Microfinance Association<\/p>\n<p>If applicant believes that the member of the Association (\u201cRespondent\u201d) deploys a policy, method or carries out a behavior which is in breach to the Code of Ethics or violates Applicant\u2019s as consumer\u2019s rights;<\/p>\n<p>If Applicant applied all reasonable measures to resolve the issue with the Respondent<\/p>\n<p style=\"text-align: justify;\">5.4 The complaint should clearly state the following information<\/p>\n<p>Applicant and contact details<\/p>\n<p>Respondent (member of the Association) action of which caused the complaint<\/p>\n<p>The clause of the Ethics Code which has been violated by policy, methods or actions of Respondent<\/p>\n<p>Brief problem description<\/p>\n<p>Measured undertaken by applicant to resolve the problem (offer, negotiation, complaint)<\/p>\n<p>Object of the complaint<\/p>\n<p style=\"text-align: justify;\">5.5 The receipt of all complaints should be acknowledged by the Association; screening of applications will be conducted by members of management and the Committee; results of the screening will be shared with Applicant;<\/p>\n<p style=\"text-align: justify;\">5.6 If eligibility of the complaint is established, Committee will review the facts highlighted in the application, solicit additional information from Applicant and Respondent and undertake judgment on compliance of the reported fact(s) with the norms of the Code of Ethics;<\/p>\n<p style=\"text-align: justify;\">5.7 Committee decision, which includes recommendations to Respondent, will be shared with Applicant;<\/p>\n<p style=\"text-align: justify;\">5.8 In case of non-fulfillment of Committee recommendations and repetitive breach of the Code of Ethics, Committee is empowered to seek for imposition of sanctions to Respondent; decision on imposition of sanctions is made by simple majority of the Board of the Association.<\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-0{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 0px;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 0px;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-0{width:100% !important;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-0{width:100% !important;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-1 { overflow:visible; }.fusion-body .fusion-flex-container.fusion-builder-row-1{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-10476","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"http:\/\/microfinance.ge\/en\/wp-json\/wp\/v2\/pages\/10476","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/microfinance.ge\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/microfinance.ge\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/microfinance.ge\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/microfinance.ge\/en\/wp-json\/wp\/v2\/comments?post=10476"}],"version-history":[{"count":16,"href":"http:\/\/microfinance.ge\/en\/wp-json\/wp\/v2\/pages\/10476\/revisions"}],"predecessor-version":[{"id":11180,"href":"http:\/\/microfinance.ge\/en\/wp-json\/wp\/v2\/pages\/10476\/revisions\/11180"}],"wp:attachment":[{"href":"http:\/\/microfinance.ge\/en\/wp-json\/wp\/v2\/media?parent=10476"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}