Shopping & E-Commerce
Before you buy something you can't easily undo — and your rights when it goes wrong.
Before Buying a Used Car
Verify the vehicle's history and protect yourself financially before you hand over any money.
ChecklistBefore Buying From an Unfamiliar Online Store
Verify a store you don't know is real, and protect your payment before you buy.
ChecklistBefore Filing an Amazon A-to-z Guarantee Claim
Contact the seller the right way, check the 48-hour and 90-day windows, gather evidence, and file your A-to-z claim correctly.
ChecklistBefore Filing a USPS Lost/Damaged Package Claim
Check the service waiting periods and the 60-day deadline, gather proof of value, and file your USPS domestic claim right.
ChecklistIs This a Major Failure? (Australia)
Test a faulty product against the 5 legal tests for a "major failure" under the Australian Consumer Law — where you, not the retailer, choose refund or replacement.
ChecklistFlight Disrupted? Document Everything Right Now (Australia)
What to document at the airport, which receipts to keep, and what you can realistically claim after an Australian flight delay, cancellation, or lost bag — no EU-style automatic payout.
ChecklistBefore You Complain — Is This Really Geo-blocking? (EU)
Tell a real EU geo-blocking violation from a legal price/VAT difference or shipping refusal before you complain — and document it properly if it is one.
ChecklistDigital Content Non-Conformity Documentation (EU)
Document a faulty app, game, software or streaming service, and know the EU rights that still apply after the 14-day withdrawal window closes.
ChecklistFlight Delayed or Cancelled? Know Your Tier (EU261)
Work out your EU261 compensation tier before you claim — delay vs cancellation, whether the cause exempts the airline, and what to document.
ChecklistPackage Holiday Gone Wrong — Document It Right (EU)
Report on the spot, know the organiser is liable for the whole package, and understand the insolvency protection that covers repatriation and refunds.
ChecklistReport or Check? Product Safety Decision Guide (EU)
Report a new hazard to the Safety Gate, check the database for an existing recall, or verify a CE mark the right way — request the Declaration of Conformity, not the letter-spacing myth.
ChecklistPackage or Standalone Booking? + Which Escalation Path (EU)
Work out whether your Booking.com stay is a package (strong relocation rights) or standalone, tell Airbnb/PayPal policy deadlines apart from EU law, and find the right escalation path.
ChecklistWas This Renewal Properly Notified? (EU)
Check whether you got proper written notice before a renewal charge, your country's specific notice window, and what to do — including revoking your payment mandate — if the company won't stop billing.
Contracts
Before you put your name to something binding.
Health & Supplements
Before you spend money on something that may do nothing — and how to report it if it's unsafe.
Before Buying Supplements
Check the evidence for the active ingredient and check for safety before you spend.
ChecklistReporting an Unsafe Product or Medicine Side Effect (Australia)
Which agency to use — Product Safety Australia (ACCC) vs the TGA — what details to record before you bin the packaging, and what a safety report can and can't do.
Money & Payments
Before you move money you may never get back.
Before Sending a Bank Transfer to Someone New
Verify a new payee and spot the signs of an authorised push payment scam.
ChecklistUnauthorised Transaction or Scam? First 24 Hours (Australia)
Work out whether it's a genuinely unauthorised transaction (covered by the ePayments Code) or a scam you authorised (currently not), then take the right first steps.
ChecklistWas This Payment Properly Authenticated? (SCA Check, EU)
Work out whether an unauthorised EU payment was properly authenticated under PSD2 — the two-factor SCA test, the €50 cap on losses before you reported it, and zero liability after.
Finance
Before you assume your savings are protected.
Travel
Before you book a place you haven't seen.
Flights & Travel
A delay, a lost bag, or a claim you're not sure applies to you — what to gather and where it stands.
Flight Disruption Evidence Checklist
The evidence a delay, cancellation, or overbooking claim needs, and the claim deadlines that genuinely vary by jurisdiction — there's no single worldwide deadline.
ChecklistBaggage Claim Checklist
Get your PIR number before you leave the airport, the photos to take, the 7-day/21-day claim windows, and the Montreal Convention liability cap.
ChecklistCodeshare Flight Responsibility Checklist
Work out which airline is actually responsible on a codeshare flight — the marketing carrier vs. the operating carrier — before you send a claim to the wrong one.
ChecklistDuty of Care Checklist
What an airline owes you during a long delay — meals, hotel, calls — regardless of cause, and why it's separate from any statutory cash compensation.
ChecklistUK261 Claim Checklist
Check whether UK261 applies to your flight, confirm the right airline to claim from, and escalate for free via CEDR or AviationADR if the airline won't pay.
Employment
Before you sign, share your ID, or accept a shift — and what to do if something already went wrong.
Job Offer Scam Checklist
Red flags to spot a fake job offer before you respond, and exactly what to do once you've identified one.
ChecklistBefore Sharing Your SSN Checklist
When it's actually legitimate for an employer to ask for your SSN, and what to do if you've already shared it too early.
ChecklistBefore Signing an Employment Contract Checklist
Core terms to verify and restrictive clauses to read carefully, with UK-specific notes on written statements and notice periods.
ChecklistBackground Check Preparation Checklist
UK DBS check levels explained, your rights if something comes back incorrect, and red flags to watch for.
ChecklistNon-Compete Clause Checklist
The exact wording to check — duration, geographic scope, restricted activity — and whether separate compensation was offered.
ChecklistGig Worker Earnings Checklist
Track your real take-home pay after platform fees and expenses, and why your worker classification matters.
ChecklistBefore Sending Your CV to a Third Party Checklist
Verify a recruitment or relocation agency is legitimate before sharing your CV, ID, or financial details.
ChecklistGDPR Job Application Privacy Checklist
Your EU/UK privacy rights during a job application, after a rejection, and if your CV was shared without consent.
ChecklistBefore Accepting a Trial Shift Checklist
What to confirm before and during an unpaid trial shift, and what to do if it should have been paid.
ChecklistBefore Signing a Contractor Agreement Checklist
Signs you may actually be misclassified as an independent contractor, and why classification matters.
Crypto & Fintech
Before you deposit, while you're spotting a scam, and if an exchange or bank ever freezes your account.
Exchange Before Deposit Checklist
Verify a crypto exchange's licensing, reserves, reputation and withdrawal terms before you deposit — not after.
ChecklistCrypto Scam Red Flags Checklist
Guaranteed returns, pig-butchering relationship scams, AI deepfakes, and technical red flags to check before you send anything.
ChecklistSelf-Custody Security Checklist
Securing crypto you already hold — hardware wallets, seed phrase storage, phishing and permission risks, and backup practices.
ChecklistKYC Verification Checklist
Get exchange identity verification right the first time, and what to do if you're rejected without a clear reason.
ChecklistFrozen Account Response Checklist
What to do the moment an exchange or bank freezes your account — evidence to gather, escalation steps, and tracking timelines.
ChecklistCrypto Tax Records Checklist
The records to keep year-round for crypto taxes, with US, UK and Australia country-specific notes.
Food & Hospitality
For restaurant and food service operators, not customers — self-inspection, compliance, shift routines, and delivery platform contracts.
Food Safety Inspection Checklist
A structured self-inspection covering temperature control, cleanliness, storage, cross-contamination, allergen management and staff practices — before a real health inspector does.
Restaurant Compliance Checklist
Licenses, alcohol service, hygiene standards, signage, pricing, allergen compliance, insurance and recordkeeping — the areas that actually get restaurants fined.
Opening & Closing Checklist
Pre-service setup and end-of-service shutdown in one place — temperatures, stock, allergens, cash, and equipment, so nothing gets missed at either end of a shift.
Delivery Partner Checklist
Before you sign with a delivery platform — commission structure, contract length and exclusivity, penalties, customer data ownership, and payment terms, confirmed in writing.
Housing & Rentals
When a landlord crosses a legal line, or you're moving out and want your bond back.
Locked Out? What to Do Right Now
Illegally locked out or utilities cut by your landlord? The steps to take right now, how to get emergency court relief, and what to document for a damages claim.
ChecklistMoving Out? Bond Return Evidence Checklist (Australia)
The photos and evidence to gather before you hand back the keys, what a landlord legally can't deduct, and how the bond process differs by state (NSW/VIC/QLD vs WA).
ChecklistBefore Paying a Rental Deposit Checklist
Verify the listing is real, verify the landlord or agent, insist on seeing the property, and never pay with an irreversible method.
ChecklistMove-In Inspection Checklist
Room-by-room photo and video documentation, testing appliances and fixtures, and getting the condition report signed off before you unpack.
ChecklistMoving Out Deposit Checklist
Notice requirements, cleaning, final photo and video documentation matched against your move-in report, and a proper handover.
ChecklistHabitability Issue Checklist
Document the issue, notify the landlord in writing, build your evidence file, and know your options if it's not fixed.
ChecklistRepair and Deduct Eligibility Checklist
Confirm repair-and-deduct is actually legal where you rent, that the issue qualifies, and that you've given proper notice before spending any money.
ChecklistRental Contract Red Flags Checklist
Basic contract integrity, deposit and fee clauses, unusual or unenforceable clauses, and what to check before you sign.
ChecklistDeposit Dispute Evidence Checklist
Gather your baseline comparison, challenge each deduction individually, organize your documents, and prepare to escalate.
ChecklistAirbnb / Booking Damage Claim Checklist
What to do the moment you're notified of a damage claim, how to pull your own evidence, and how to evaluate whether the host's claim holds up.
Telecoms & Utilities
Before your power, gas or water gets cut off.
Facing a Utility Shutoff? What to Check Right Now
Check your state's shutoff protections and eligibility, confirm the notice you're owed, request a payment plan, and escalate to your state Public Utilities Commission.
ChecklistCancel Your Telco Contract Without Fees (Australia)
Check whether you have grounds to cancel an Australian telco/internet contract fee-free, build the paper trail, and escalate to the Telecommunications Industry Ombudsman (TIO).
Privacy & Data
When your data is mishandled and you need the right authority, not the wrong one.
Privacy Breach? Which Path to Take (Australia)
Work out the right path — an OAIC complaint, a Google search-results removal, or the eSafety Commissioner — what each can and can't do, and the steps for each.
ChecklistWhich DPA Do I Contact? + Is My Deadline Actually Overdue? (EU)
File with your own country's DPA (never the company's), and check whether a GDPR deadline is genuinely overdue once you account for a valid one-month extension notice.
Training & Education
Spotting a fraudulent program before you pay, general due diligence for any course, and what to check before signing a loan, visa, or bootcamp job guarantee.
Education Scam Checklist
Spot a fraudulent institution, bootcamp, or credential program — diploma mills, fake job guarantees, RPL fraud, and payment red flags.
ChecklistBefore Paying Any Course Checklist
General due diligence before you pay for any course — accreditation, refund terms, financing, reviews, and what you're actually buying.
ChecklistOnline Course Refund Checklist
Before you request a refund, building your case, submitting it properly, and what to do if it's declined.
ChecklistStudent Visa School Verification Checklist
Verify a school's official visa-sponsorship registration yourself — CRICOS, Sponsor Licence, SEVP — before you commit.
ChecklistEducation Loan Safety Checklist
What you're actually signing — traditional loan, private loan, or Income Share Agreement — total cost, and what happens if things go wrong.
ChecklistBootcamp Job Guarantee Verification Checklist
A deep-dive on what a bootcamp's "job guarantee" actually means, the real remedy if it isn't met, and how to check the outcome statistics.
Parcel & Delivery
Before you declare it lost, send a return, or escalate a complaint — and what to check the moment an expensive delivery arrives.
Postal Ombudsman Escalation Checklist
Before you escalate a parcel complaint to an ombudsman — prerequisites, distinguishing a carrier dispute from a retailer dispute, and what evidence to prepare.
ChecklistUnexpected Customs Charges Checklist
What makes a customs, import VAT, or handling fee legitimate — and what to check before you pay or dispute a surprise charge.
ChecklistLost Parcel Verification Checklist
Confirm a parcel is genuinely lost before you declare it — tracking history, waiting periods, customs holds, and what to rule out first.
ChecklistReturn Shipment Protection Checklist
Protect yourself when sending a return — proof of drop-off, tracking to delivery, and what to do if the seller claims they never received it.
ChecklistReceiving High-Value Deliveries Checklist
Signature-on-delivery, insurance limits, inspecting on arrival, and what to document before and after an expensive delivery.
ChecklistClick & Collect / Locker Pickup Checklist
Pickup codes, missed pickup windows, and what to do if a locker or store shows "collected" but you never picked it up.
Healthcare & Medical
Before you choose a provider, dispute a bill, file a claim, buy a device, or order from an online pharmacy.
Choosing a Healthcare Provider & Red Flags Checklist
Verify licensing and credentials, check reputation, get pricing and policies in writing, and know the red flags to watch for.
ChecklistMedical Bill & Invoice Review Checklist
Check the basics, compare against what you expected, spot common discrepancies, and gather what you need before you dispute.
ChecklistHealth Insurance Claim Checklist
What to confirm before treatment, what to gather to file, how to file correctly, and how to follow up.
ChecklistMedical Product & Device Purchase Checklist
Verify the seller, check regulatory status and safety recalls, get warranty terms in writing, and know the red flags.
ChecklistOnline Pharmacy Safety Checklist
Verify the pharmacy is licensed, check prescription requirements, watch for pricing red flags, and know the signs of fraud.
Financial & Banking
Before you open an account, dispute a charge, sign a loan, or send a transfer — and what to do if fraud, a collector, or a report error already went wrong.
Bank Account Opening Checklist
Check fees, deposit protection, terms, and privacy before you open a bank account — not after.
ChecklistUnauthorized Transaction & Banking Fraud Checklist
What to do immediately, what to document, and how to follow up in writing after unauthorized card or account activity.
ChecklistChargeback & Card Dispute Checklist
Confirm you have a valid dispute, try the merchant first, and gather the right evidence before you file.
ChecklistCredit Card Statement Audit Checklist
Review every line, catch unwanted subscriptions, and spot interest or fee errors before they add up.
ChecklistLoan & Credit Agreement Checklist
Check the real cost, payment terms, penalties, and cancellation rights before you sign.
ChecklistDebt Collection Response Checklist
Verify a debt collector's claim, spot red flags, and gather documentation before you pay or respond.
ChecklistCredit Report Error Checklist
Pull your full report, spot common error types, and gather evidence before you file a dispute.
ChecklistMoney Transfer Safety Checklist
Verify the recipient, understand the full cost, and spot the red flags before you send.