// Knowledge Base
Consumer Rights Guides
Practical guides to using consumer law when an automated system says no.
🇪🇺 EU AI Act
New
The EU AI Act is phasing in now — banned practices are enforceable today; high-risk obligations and Article 86 explanation rights apply from August 2026. GDPR Article 22 still covers fully automated decisions today.
🇪🇺 EUAI ActGuide
EU AI Act: Your Rights as a Consumer in 2026
Prohibited practices, Annex III high-risk systems, Article 86 right to explanation, and the phase-in calendar — what applies when.
🇪🇺 EUAI Act11 Cases
EU AI Act Practice Scenarios →
Hidden AI, emotion recognition, credit black boxes, social scoring, robot boss deactivations — scenario guides with links to play similar cases free.
🇪🇺 EUHigh-Risk AI
Mortgage Denied — AI Won't Say Why
Credit scoring is high-risk under Annex III. Article 86 and GDPR Article 22 — what to demand when the bank hides behind "proprietary methodology."
🇪🇺 EUBanned
Employer Reads Your Emotions on Video Calls
Article 5(1)(f) bans emotion inference in workplaces. "Engagement scores" from facial analysis are not a grey area.
By Jurisdiction
Practice Cases
🇪🇺 EUCase
Flight Cancelled — Refund Denied
EU261 scenario: practice disputing a non-refundable fare excuse when the airline cancelled.
🇮🇳 IndiaCase
UPI Fraud — Bank Refused Refund
RBI liability rules vs "OTP authenticated" — practice the PayFast dispute.
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View All Cases →
EU AI Act scenarios plus consumer-rights case guides with one-click play links.
All Guides
🇮🇳 IndiaTravel
India Flight Cancelled — Refund Denied? DGCA Rights
Voucher-only when the airline cancels? DGCA passenger rights and CPA 2019 support a cash refund.
🇮🇳 IndiaHealth
Health Insurance Claim Denied — IRDAI Rights
Cashless pre-auth denied as "not medically necessary"? Fair settlement norms and Ombudsman escalation.
🇪🇺 EUSubscriptions
EU Subscription Dark Patterns: Your Right to Cancel
No cancel button, post-only termination — Omnibus Directive says cancellation must be as easy as sign-up.
🇦🇺 AustraliaTravel
Australia Flight Cancelled — ACL Refund Rights
Travel credit when JetAus cancels? Australian Consumer Law supports a cash refund.
🇮🇳 Indiaहिंदी
लोन ऐप परेशानी — RBI नियम (Hindi)
RBI Digital Lending Guidelines 2022 — परिवार या employer को contact करने पर क्या करें।
🇮🇳 IndiaFinanceUPI
UPI Fraud Refund: RBI Liability Rules Explained
Bank says OTP means you authorised the scam? RBI guidelines draw a clear line between authentication and informed consent — here's how to push back.
🇮🇳 IndiaShopping
Fake Product on a Marketplace: When the Platform Is Liable
Counterfeit goods delivered and the marketplace says "contact the seller"? Consumer Protection Act 2019 limits the intermediary defence.
🇮🇳 IndiaTechnology
Social Media Account Banned: Your Rights Under IT Rules 2021
Permanent ban with no specific violation cited? Platforms must resolve grievances within 15 days — and your deadline may already have passed.
🇮🇳 IndiaFinance
Loan App Harassment: What the RBI Says and What You Can Do
App calling your family? Threatening your employer? RBI Digital Lending Guidelines 2022 explicitly ban this — here is how to stop it and file a complaint.
🇪🇺 EU🇬🇧 UK🇺🇸 US🇮🇳 India
How to Dispute a Denied Refund
Which laws apply to your refund dispute depending on where you are — and the exact language to use when pushing back.
🇪🇺 EU🇬🇧 UKGDPR
GDPR Right to Erasure Refused: What You Can Do
When is a refusal valid? How to challenge "legitimate interests" claims and escalate to your data protection authority.
🇪🇺 EU🇬🇧 UKTravel
EU Flight Refund Denied? Your EU261 Rights Explained
When extraordinary circumstances is a valid excuse — and when it is not. The burden of proof is on the airline, not you.
🇪🇺 EU🇬🇧 UK🇺🇸 USInsurance
AI Denied My Insurance Claim: Your Right to Human Review
GDPR Article 22, FCA Consumer Duty, and US state insurance law all give you the right to challenge automated claim denials.
🇬🇧 UKCRA 2015
UK Consumer Rights: Your Refund and Return Rights Explained
30-day right to reject, Section 75 credit card protection, and what to do when a retailer refuses to honour your statutory rights.
🇪🇺 EU🇬🇧 UKGDPRDSAR
GDPR Subject Access Request: How to File a DSAR
Article 15 explained — what data they must hand over, the 1-month deadline, and how to escalate when they stall.
🇺🇸 USCreditFCRA
FCRA: How to Dispute Errors on Your Credit Report
The 30-day Section 611 investigation, what bureaus must actually do, and how the CFPB enforces it when they don't.
🇦🇺 AustraliaACLACCC
Australian Consumer Law: Your Refund and Repair Rights
Consumer guarantees, "major failure" under Section 260, and when refund is your choice — not the retailer's.