If the client is misled — you are responsible.

What the Law Says

Under the Misrepresentation Act:

A false statement can be made:

• Verbally
• In writing
• By conduct

Even your behaviour can be a “statement”.

What Counts as Mis-selling

• Saying something that is false
• Giving incomplete or misleading information
• Creating the wrong impression intentionally
• Allowing the client to believe something untrue

If the client walks away with the wrong understanding — it is mis-selling.

Real Example

Mis-selling happens when you:

• Make promises you don’t intend to honour
• Say something you know is false
• Say something without verifying if it is true
• Use vague or ambiguous statements to “close the deal”

“I think can”, “should be ok”, “confirm no issue” — without verification = risk.

What This Means in Redbrick

• No guessing
• No overpromising
• No selective disclosure
• No pressure tactics

Clarity over closing. Accuracy over speed.

Consequences

• Client disputes and complaints
• Ops rejection and delays
• Regulatory breach
• Termination

If you cannot stand by your words, don’t say it.