{"id":58249,"date":"2023-10-04T16:26:26","date_gmt":"2023-10-04T07:26:26","guid":{"rendered":"https:\/\/monolith.law\/da\/?p=58249"},"modified":"2024-01-25T17:12:00","modified_gmt":"2024-01-25T08:12:00","slug":"high-cashback-illegal","status":"publish","type":"post","link":"https:\/\/monolith.law\/da\/general-corporate\/high-cashback-illegal","title":{"rendered":"Hvorfor er for h\u00f8je cashbacks (point refusion) ulovlige?"},"content":{"rendered":"\n<p>I mobilbetalings- og kontantl\u00f8se betalingstjenester som LINE Pay, PayPay og kreditkort, kan der v\u00e6re tidsbegr\u00e6nsede cashback (point-tilbagebetaling) kampagner. Men hvis man ikke er forsigtig, kan s\u00e5danne kampagner potentielt blive ulovlige.<\/p>\n\n\n\n<p>I denne artikel vil vi forklare, under hvilke omst\u00e6ndigheder cashback eller point-tilbagebetaling kan blive ulovligt, rettet mod virksomheder, der overvejer at k\u00f8re s\u00e5danne kampagner.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_53 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/monolith.law\/da\/general-corporate\/high-cashback-illegal\/#Hvornar_bliver_cashback_point_tilbagebetaling_ulovligt\" title=\"Hvorn\u00e5r bliver cashback (point tilbagebetaling) ulovligt?\">Hvorn\u00e5r bliver cashback (point tilbagebetaling) ulovligt?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/monolith.law\/da\/general-corporate\/high-cashback-illegal\/#Hvad_er_Premiums_and_Representations_Act\" title=\"Hvad er Premiums and Representations Act?\">Hvad er Premiums and Representations Act?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/monolith.law\/da\/general-corporate\/high-cashback-illegal\/#Er_point_tilbagebetaling_underlagt_regulering_af_Premiums_and_Representations_Act\" title=\"Er point tilbagebetaling underlagt regulering af Premiums and Representations Act?\">Er point tilbagebetaling underlagt regulering af Premiums and Representations Act?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/monolith.law\/da\/general-corporate\/high-cashback-illegal\/#Maksimal_procentdel_fastsat_i_Premiums_and_Representations_Act\" title=\"Maksimal procentdel fastsat i Premiums and Representations Act\">Maksimal procentdel fastsat i Premiums and Representations Act<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/monolith.law\/da\/general-corporate\/high-cashback-illegal\/#Maksimal_belobsgraense_for_samlede_praemier\" title=\"Maksimal bel\u00f8bsgr\u00e6nse for samlede pr\u00e6mier\">Maksimal bel\u00f8bsgr\u00e6nse for samlede pr\u00e6mier<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/monolith.law\/da\/general-corporate\/high-cashback-illegal\/#Maksimal_belobsgraense_for_praemier_i_generelle_lotterier\" title=\"Maksimal bel\u00f8bsgr\u00e6nse for pr\u00e6mier i generelle lotterier\">Maksimal bel\u00f8bsgr\u00e6nse for pr\u00e6mier i generelle lotterier<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/monolith.law\/da\/general-corporate\/high-cashback-illegal\/#Eksempler_pa_overtraedelser_af_den_japanske_%E2%80%9CPremiums_and_Representations_Act%E2%80%9D_%E6%99%AF%E5%93%81%E8%A1%A8%E7%A4%BA%E6%B3%95_i_forbindelse_med_cashback_point-tilbagebetaling_kampagner\" title=\"Eksempler p\u00e5 overtr\u00e6delser af den japanske &#8220;Premiums and Representations Act&#8221; (\u666f\u54c1\u8868\u793a\u6cd5) i forbindelse med cashback (point-tilbagebetaling) kampagner\">Eksempler p\u00e5 overtr\u00e6delser af den japanske &#8220;Premiums and Representations Act&#8221; (\u666f\u54c1\u8868\u793a\u6cd5) i forbindelse med cashback (point-tilbagebetaling) kampagner<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/monolith.law\/da\/general-corporate\/high-cashback-illegal\/#Opsummering\" title=\"Opsummering\">Opsummering<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hvornar_bliver_cashback_point_tilbagebetaling_ulovligt\"><\/span>Hvorn\u00e5r bliver cashback (point tilbagebetaling) ulovligt?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2020\/12\/high-cashback-illegal1.jpg\" alt=\"\" class=\"wp-image-26835\" \/><\/figure>\n\n\n\n<p>Cashback (point tilbagebetaling) kampagner kan v\u00e6re underlagt regulering af den japanske &#8220;Premiums and Representations Act&#8221; (\u666f\u54c1\u8868\u793a\u6cd5).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hvad_er_Premiums_and_Representations_Act\"><\/span>Hvad er Premiums and Representations Act?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Den japanske &#8220;Premiums and Representations Act&#8221; (\u4e0d\u5f53\u666f\u54c1\u985e\u53ca\u3073\u4e0d\u5f53\u8868\u793a\u9632\u6b62\u6cd5) har til form\u00e5l at beskytte forbrugernes interesser ved at forhindre urimelig repr\u00e6sentation og begr\u00e6nse eller forbyde pr\u00e6mier. Det vil sige, det forhindrer forbrugere i at blive distraheret af urimelige repr\u00e6sentationer eller overdrevne pr\u00e6mier og v\u00e6lge produkter eller tjenester af lav kvalitet.<\/p>\n\n\n\n<p>For eksempel, i henhold til Premiums and Representations Act, hvis et slogan som &#8220;Halv pris fra den normale pris!&#8221; er for ekstremt, vil det v\u00e6re underlagt lovens regulering som en dobbelt prisvisning. Vi forklarer dette mere detaljeret i artiklen nedenfor.<\/p>\n\n\n\n<p><a href=\"https:\/\/monolith.law\/corporate\/display-double-law-point\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/monolith.law\/corporate\/display-double-law-point [ja]<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Er_point_tilbagebetaling_underlagt_regulering_af_Premiums_and_Representations_Act\"><\/span>Er point tilbagebetaling underlagt regulering af Premiums and Representations Act?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>I retningslinjerne for Premiums and Representations Act er der fastsat typer af point, der er underlagt regulering. Point fra tjenester som LINE Pay og Pay Pay falder under kategorien &#8220;Kan kun bruges som en del af betalingen &amp; kan bruges i andre butikker&#8221;, og er derfor underlagt regulering af Premiums and Representations Act.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Point, der kan byttes til pr\u00e6mier eller penge \u21d2 Reguleret<\/p>\n\n\n\n<p>Kan kun bruges som en del af betalingen &amp; kan bruges i andre butikker \u21d2 Reguleret<\/p>\n\n\n\n<p>Kan kun bruges som en del af betalingen &amp; kan kun bruges i egen butik \u21d2 Ikke reguleret, da det er en rabat<\/p>\n<cite><a href=\"http:\/\/bluesnap.net\/keihyo\/index.php?%A5%DD%A5%A4%A5%F3%A5%C8%B4%D4%B8%B5%A4%CF%B7%CA%C9%BD%CB%A1%A4%CE%B5%AC%C0%A9%C2%D0%BE%DD%A4%C7%A4%B9%A4%AB%A1%A9\" target=\"_blank\" rel=\"noreferrer noopener\">Retningslinjer for Premiums and Representations Act [ja]<\/a><\/cite><\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Maksimal_procentdel_fastsat_i_Premiums_and_Representations_Act\"><\/span>Maksimal procentdel fastsat i Premiums and Representations Act<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Cashback (point tilbagebetaling) kampagner, der tilbydes til tjenestebrugere, falder under kategorien &#8220;samlede pr\u00e6mier&#8221;, og den maksimale bel\u00f8bsgr\u00e6nse for samlede pr\u00e6mier er som f\u00f8lger:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Maksimal_belobsgraense_for_samlede_praemier\"><\/span>Maksimal bel\u00f8bsgr\u00e6nse for samlede pr\u00e6mier<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\n  Transaktionsbel\u00f8b\n  <\/td><td>\n  Maksimal bel\u00f8b for pr\u00e6mier\n  <\/td><\/tr><tr><td>   Mindre end 1,000 yen   <\/td><td>\n  200 yen\n  <\/td><\/tr><tr><td>   1,000 yen eller mere   <\/td><td>\n  20% af transaktionsbel\u00f8bet\n  <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Hvis transaktionsbel\u00f8bet er 1.000 yen eller mere, er 20% af transaktionsbel\u00f8bet den maksimale bel\u00f8bsgr\u00e6nse for point tilbagebetaling. Point tilbagebetaling kampagner, der blev udf\u00f8rt af tjenester som LINE Pay og PayPay, fulgte denne maksimale bel\u00f8bsgr\u00e6nse, og tilbagebetalingsraten var derfor 20%.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Maksimal_belobsgraense_for_praemier_i_generelle_lotterier\"><\/span>Maksimal bel\u00f8bsgr\u00e6nse for pr\u00e6mier i generelle lotterier<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Desuden falder LINE Pay&#8217;s &#8220;Get a Lottery&#8221; og &#8220;Send Money Max 20 Times Campaign&#8221; og PayPay&#8217;s &#8220;Win a Lot Lottery&#8221; under kategorien &#8220;generelle lotterier&#8221;.<\/p>\n\n\n\n<p>I henhold til Premiums and Representations Act er den maksimale bel\u00f8bsgr\u00e6nse for pr\u00e6mier i generelle lotterier som f\u00f8lger. Det antages, at LINE Pay&#8217;s &#8220;Send Money Max 20 Times Campaign&#8221; og PayPay&#8217;s &#8220;Win a Lot Lottery&#8221; baserede deres maksimale bel\u00f8bsgr\u00e6nse p\u00e5 100.000 yen p\u00e5 denne bestemmelse.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2020\/12\/29d3bc99193cb0b837fb8cc53f050ae5-1024x317.png\" alt=\"\" class=\"wp-image-26823\" \/><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/www.caa.go.jp\/policies\/policy\/representation\/fair_labeling\/premium_regulation\/\" target=\"_blank\" rel=\"noreferrer noopener\">Consumer Agency hjemmeside &#8220;Oversigt over pr\u00e6mieregulering&#8221; [ja]<\/a><\/figcaption><\/figure>\n\n\n\n<p>Desuden er denne diskussion ogs\u00e5 relevant for &#8220;pr\u00e6miepenge&#8221; relateret til produkter (for eksempel spil) udgivet af virksomheder, s\u00e5som e-sports turneringer. Vi forklarer detaljeret om reguleringen af pr\u00e6miebel\u00f8b i e-sports turneringer i artiklen nedenfor.<\/p>\n\n\n\n<p><a href=\"https:\/\/monolith.law\/corporate\/e-sports-precautions-organizer\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/monolith.law\/corporate\/e-sports-precautions-organizer [ja]<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eksempler_pa_overtraedelser_af_den_japanske_%E2%80%9CPremiums_and_Representations_Act%E2%80%9D_%E6%99%AF%E5%93%81%E8%A1%A8%E7%A4%BA%E6%B3%95_i_forbindelse_med_cashback_point-tilbagebetaling_kampagner\"><\/span>Eksempler p\u00e5 overtr\u00e6delser af den japanske &#8220;Premiums and Representations Act&#8221; (\u666f\u54c1\u8868\u793a\u6cd5) i forbindelse med cashback (point-tilbagebetaling) kampagner<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2020\/12\/high-cashback-illegal2.jpg\" alt=\"\" class=\"wp-image-26836\" \/><\/figure>\n\n\n\n<p>I marts 2020 udstedte det japanske forbrugeragentur en ordre til AEON Bank for at have overtr\u00e5dt den japanske &#8220;Premiums and Representations Act&#8221; (\u666f\u54c1\u8868\u793a\u6cd5) i forbindelse med deres pr\u00e6sentation af tjenester relateret til deres kredit- og debetkort. Kampagnen, der blev m\u00e5lrettet, var &#8220;(Kun for nye medlemmer) Op til 20% cashback-kampagne&#8221;.<\/p>\n\n\n\n<p>I denne kampagne blev det pr\u00e6senteret, at hvis man tilmeldte sig som nyt medlem i l\u00f8bet af tilmeldingsperioden og anvendte kortet i l\u00f8bet af brugsperioden efter at have ans\u00f8gt om kampagnen, kunne man modtage cashback op til et samlet bel\u00f8b p\u00e5 100.000 yen, svarende til op til 20% af det relevante bel\u00f8b. I virkeligheden var der dog angivet undtagelsesbetingelser, og der var tilf\u00e6lde, hvor man ikke kunne modtage cashback.<\/p>\n\n\n\n<p>Forbrugeragenturet beordrede:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>&#8220;At sikre, at almindelige forbrugere er fuldt ud klar over, at pr\u00e6sentationen, der f\u00e5r forbrugerne til at misforst\u00e5, at handelsbetingelserne er markant mere fordelagtige for dem end de faktisk er, overtr\u00e6der den japanske &#8216;Premiums and Representations Act&#8217; (\u666f\u54c1\u8868\u793a\u6cd5). At tr\u00e6ffe foranstaltninger for at forhindre gentagelse og sikre, at dette er fuldt ud kendt af ledelsen og medarbejderne. At undlade at foretage lignende pr\u00e6sentationer i fremtiden.&#8221;<\/p>\n<\/blockquote>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2020\/12\/a57d477b39ae425c66afb6047848a1c0-1024x747.png\" alt=\"\" class=\"wp-image-26826\" \/><figcaption class=\"wp-element-caption\"> <br><a href=\"https:\/\/www.caa.go.jp\/notice\/assets\/representation_200324_02.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Om ordren baseret p\u00e5 den japanske &#8220;Premiums and Representations Act&#8221; (\u666f\u54c1\u8868\u793a\u6cd5) over for AEON Bank Co., Ltd. [ja]<\/a><\/figcaption><\/figure>\n\n\n\n<p>I dette tilf\u00e6lde var problemet ikke procentdelen af cashback, men det faktum, at der var undtagelsesbetingelser, og at der var tilf\u00e6lde, hvor man ikke kunne modtage cashback.<\/p>\n\n\n\n<p>For en detaljeret forklaring p\u00e5 de juridiske risici ved at betale bel\u00f8nninger for indl\u00e6g som mund-til-mund-anbefalinger og anmeldelser, snarere end cashback som point, se artiklen nedenfor.<\/p>\n\n\n\n<p><a href=\"https:\/\/monolith.law\/corporate\/legal-risk-reward-orthopedic-review-contributors\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/monolith.law\/corporate\/legal-risk-reward-orthopedic-review-contributors [ja]<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Opsummering\"><\/span>Opsummering<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>N\u00e5r du organiserer en cashback (point tilbagebetaling) kampagne, skal du n\u00f8je overveje, om disse point betragtes som &#8216;gaver&#8217; under den japanske &#8216;Premium Display Law&#8217;, og hvordan pointene tilbagebetales, da dette kan \u00e6ndre maksimumsbel\u00f8bet. <\/p>\n\n\n\n<p>Det er ogs\u00e5 vigtigt at undg\u00e5 formuleringer, der kan misforst\u00e5s af forbrugerne. Hvis du er usikker, anbefales det at konsultere en advokat, der har stor erfaring med den japanske &#8216;Premium Display Law&#8217;.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>I mobilbetalings- og kontantl\u00f8se betalingstjenester som LINE Pay, PayPay og kreditkort, kan der v\u00e6re tidsbegr\u00e6nsede cashback (point-tilbagebetaling) kampagner. Men hvis man ikke er forsigtig, kan s\u00e5da [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":60174,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[24,28],"acf":[],"_links":{"self":[{"href":"https:\/\/monolith.law\/da\/wp-json\/wp\/v2\/posts\/58249"}],"collection":[{"href":"https:\/\/monolith.law\/da\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/monolith.law\/da\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/monolith.law\/da\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/monolith.law\/da\/wp-json\/wp\/v2\/comments?post=58249"}],"version-history":[{"count":4,"href":"https:\/\/monolith.law\/da\/wp-json\/wp\/v2\/posts\/58249\/revisions"}],"predecessor-version":[{"id":60176,"href":"https:\/\/monolith.law\/da\/wp-json\/wp\/v2\/posts\/58249\/revisions\/60176"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/monolith.law\/da\/wp-json\/wp\/v2\/media\/60174"}],"wp:attachment":[{"href":"https:\/\/monolith.law\/da\/wp-json\/wp\/v2\/media?parent=58249"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/monolith.law\/da\/wp-json\/wp\/v2\/categories?post=58249"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/monolith.law\/da\/wp-json\/wp\/v2\/tags?post=58249"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}