Overview
This unit is the foundation unit for students completing the Financial Planning stream and covers the professional financial planning process, including the Australian legal framework and the responsibilities of financial planners. You will learn how to investigate a client's financial situation and turn the core elements of financial planning into a strategic financial plan. You will also be introduced to financial planning software, tools and templates used in real-world financial planning practice as well as communication methods aimed at building long term client relationships.
Details
Pre-requisites or Co-requisites
There are no requisites for this unit.
Important note: Students enrolled in a subsequent unit who failed their pre-requisite unit, should drop the subsequent unit before the census date or within 10 working days of Fail grade notification. Students who do not drop the unit in this timeframe cannot later drop the unit without academic and financial liability. See details in the Assessment Policy and Procedure (Higher Education Coursework).
Offerings For Term 1 - 2022
Attendance Requirements
All on-campus students are expected to attend scheduled classes – in some units, these classes are identified as a mandatory (pass/fail) component and attendance is compulsory. International students, on a student visa, must maintain a full time study load and meet both attendance and academic progress requirements in each study period (satisfactory attendance for International students is defined as maintaining at least an 80% attendance record).
Recommended Student Time Commitment
Each 6-credit Undergraduate unit at CQUniversity requires an overall time commitment of an average of 12.5 hours of study per week, making a total of 150 hours for the unit.
Class Timetable
Assessment Overview
Assessment Grading
This is a graded unit: your overall grade will be calculated from the marks or grades for each assessment task, based on the relative weightings shown in the table above. You must obtain an overall mark for the unit of at least 50%, or an overall grade of ‘pass’ in order to pass the unit. If any ‘pass/fail’ tasks are shown in the table above they must also be completed successfully (‘pass’ grade). You must also meet any minimum mark requirements specified for a particular assessment task, as detailed in the ‘assessment task’ section (note that in some instances, the minimum mark for a task may be greater than 50%). Consult the University’s Grades and Results Policy for more details of interim results and final grades.
All University policies are available on the CQUniversity Policy site.
You may wish to view these policies:
- Grades and Results Policy
- Assessment Policy and Procedure (Higher Education Coursework)
- Review of Grade Procedure
- Student Academic Integrity Policy and Procedure
- Monitoring Academic Progress (MAP) Policy and Procedure – Domestic Students
- Monitoring Academic Progress (MAP) Policy and Procedure – International Students
- Student Refund and Credit Balance Policy and Procedure
- Student Feedback – Compliments and Complaints Policy and Procedure
- Information and Communications Technology Acceptable Use Policy and Procedure
This list is not an exhaustive list of all University policies. The full list of University policies are available on the CQUniversity Policy site.
Feedback, Recommendations and Responses
Every unit is reviewed for enhancement each year. At the most recent review, the following staff and student feedback items were identified and recommendations were made.
Feedback from self-evaluation
Overall the unit ran well, especially when students realized posting their unit content and assessment queries using the Moodle Q&A Forum gets them answers faster than using other means of communication. It especially encouraged students to help each other solve problems around unit content and assessments.
Continue to encourage students to use the Moodle Q&A Forum to get academic and assessment support from the unit coordinator and their peers (virtual classmates)
Feedback from staff feedback (peer review);
Complaints about some of the multiple choice questions being too ambiguous, inappropriate and open to interpretation and misinterpretation led to a feedback and peer review meeting between the unit coordinator and supervisor
When students are dissatisfied with any assessment tasks that leads to a formal complaint, it is important the issue, however minor is addressed by the unit coordinator within the scope of CQU's complaints handling process
Feedback from student feedback (formal unit evaluation responses)
Students appreciate lecturers that are approachable, helpful, supportive and nurturing that gives them that personal touch given the unit is challenging and can be overwhelming for new entrants to financial planning
Continue to encourage and support students navigate a challenging unit
Feedback from student feedback (formal unit evaluation responses)
Students appreciated real-life examples and interesting workshops where the knowledge was relayed in an easy to understand manner
Continue to offer workshops where the unit content is explained in an interesting easy to understand manner
Feedback from student feedback (formal unit evaluation responses)
Students found the resources on Moodle were too much, overwhelming and puts them off reading if it is too much content
Review the unit Moodle reading content volume for assessments and learning
Feedback from student feedback (formal unit evaluation responses)
Written assessment needs to be proof-read to ensure it flows well and does not confuse students.
Review to consider engaging more than one proof-reader and reviewer for the assessment tasks to ensure it flows well and does not confuse students
Feedback from student feedback (formal unit evaluation responses)
Within the context of unit coordinator's workloads, public holidays and guest presenters. students want the workshop conducted in the week that the content is delivered as it helped the student watching the workshop after doing the content and readings really helped with the learning and understanding of the content.
Review whether classes are appropriate for Mondays or Fridays when public holidays usually occur, and whether guest speakers are adding any value for the students for an introductory course
- Explain and apply the process and Australian legal framework of financial planning.
- Present strategic advice which meets the financial planning needs and objectives of clients in a variety of circumstances.
- Communicate effectively with clients to solve financial planning problems.
- Construct financial planning scenarios using industry standard software.
Alignment of Assessment Tasks to Learning Outcomes
| Assessment Tasks | Learning Outcomes | |||
|---|---|---|---|---|
| 1 | 2 | 3 | 4 | |
| 1 - Practical Assessment - 30% | ||||
| 2 - Practical Assessment - 30% | ||||
| 3 - Take Home Exam - 40% | ||||
Alignment of Graduate Attributes to Learning Outcomes
| Graduate Attributes | Learning Outcomes | |||
|---|---|---|---|---|
| 1 | 2 | 3 | 4 | |
| 1 - Communication | ||||
| 2 - Problem Solving | ||||
| 3 - Critical Thinking | ||||
| 4 - Information Literacy | ||||
| 5 - Team Work | ||||
| 6 - Information Technology Competence | ||||
| 7 - Cross Cultural Competence | ||||
| 8 - Ethical practice | ||||
| 9 - Social Innovation | ||||
| 10 - Aboriginal and Torres Strait Islander Cultures | ||||
Alignment of Assessment Tasks to Graduate Attributes
| Assessment Tasks | Graduate Attributes | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | |
| 1 - Practical Assessment - 30% | ||||||||||
| 2 - Practical Assessment - 30% | ||||||||||
| 3 - Take Home Exam - 40% | ||||||||||
Textbooks
Financial Planning: Essentials Edition
Edition: First (2021)
Authors: Warren McKeown, Marc Olynyk, John Kerry, Lisa Ciancio, Diem La
John Wiley & Sons Australia, Ltd.
Milton Milton , Queensland , Australia
ISBN: E-Text: 9780730385752 Textbook: 9780730385738
Binding: Other
Additional Textbook Information
The required resource is available in multiple formats and options:
- The printed textbook and E-Text can be purchased from just $50 as at 15 October 2021 from Wiley: https://www.wileydirect.com.au/buy/financial-planning-essentials/
- Or the printed textbook can be purchased via the CQUni Bookshop here: http://bookshop.cqu.edu.au
- If purchasing internationally, please search for your title on wiley.com and update your location in the upper right-hand corner.
IT Resources
- CQUniversity Student Email
- Internet
- Unit Website (Moodle)
- XPlan Software
All submissions for this unit must use the referencing style: American Psychological Association 7th Edition (APA 7th edition)
For further information, see the Assessment Tasks.
a.mcinnes@cqu.edu.au
Module/Topic
Personal Financial Planning and the Economic Environment
- Critical lessons from global, economic history
- Economic, financial and psychological risks underpinning the need for effective financial planning
- Status of national financial literacy levels
Professional and Legal Responsibilities of Financial Planners [FPs] and FASEA Codes of Ethics and Standards
- Introduction to compliance and legislative regimes including FASEA Codes of Ethics, Best Interest and Fiduciary Duties
- Professional Codes of Conduct of FPs
- Professional associations including FPSB & FPA and the role of stakeholders
- Case studies and lessons from corporate scandal, national investigations and industry debate
- Modalities and financial planning theories
Chapter
Refer to Study Guide for:
- Week 1 Prescribed and Supplementary Reading
Events and Submissions/Topic
Refer to Orientation Section in Moodle for:
- What's Happening this term
- Study Guide for Week 1
Note: Zoom Workshop link available in Week 1
Module/Topic
Financial Planning Skills
- Preparation or personal financial statements, cash flows and budgets
-
Analyzing financial statements using ratio analysis
- Mathematics for financial advisers
- Time value of money concepts, net present value and compounding interest
- Taxation effects on returns
- Nominal, effective and real rates of returns
Chapter
Refer to Study Guide for:
- Week 2 Prescribed and Supplementary Reading
Events and Submissions/Topic
- Please refer to the study guide for details of the weekly requirements.
- For the practical assessment download the three files from Moodle.
- Read the assessment instructions and start unpacking the case study.
- Engage on Moodle Q&A to address any concerns or queries
Note: Zoom Workshop link available in Week 2
Module/Topic
Structure, Layout and Purpose of a Statement of Advice
- Legislative framework governing quality financial advice in Australia
- Analysis and evaluation of goals, current financial situation and risk capacity
- Connecting needs, risk tolerance and risk capacity to investment choices
- Gathering data and ascertaining the client's wealth and risk capacity
- Understanding the objectives, values, responsibilities, behaviours and tolerances for risk of the client
- Client communication, effective questioning, framing, listening techniques
- Conducting the initial client interview and creating a trusted relationship
- Statement of Advice development process and write-up
Chapter
Refer to Study Guide for:
- Week 3 Prescribed and Supplementary Reading
Events and Submissions/Topic
- Please refer to the study guide for details of the weekly requirements.
- Zoom Workshop link available in Week 3
- Activity 1 Due by 10am Friday of Week 3
- For the practical assessment this week read the Fact Find, Risk Profile of the client, ‘Scope of our advice’; ‘Your goals and objectives’ and ‘Your risk tolerance’ sections of the Statement of Advice
- Engage on Moodle Q&A to address any concerns or queries
Module/Topic
Taxation Fundamentals
- Income and capital gains tax basics
- Applying tax effective strategies to personal financial planning
- Taxation implications on investment returns, including capital gains
- Taxation implications of income splitting
- Identifying the various taxable entities with their benefits and shortcomings
- Explain the concept of negative gearing
- Discuss remuneration planning like salary packaging its tax implications
- Fringe Benefit Tax
- Goods and Services Tax
Chapter
Refer to Study Guide for:
- Week 4 Prescribed and Supplementary Reading
Events and Submissions/Topic
- Please refer to the study guide for details of the weekly requirements.
- Note: Zoom Workshop link available in Week 4
- Activity 2 Due by 10am Friday of Week 4
- For the practical assessment continue with the ‘Our Recommended Investment Strategies’ section of the Statement of Advice.
- For the practical assessment complete the ‘Our Recommended Investment Strategies’ and the ‘Supporting information and Annexures’ of the SOA.
- Engage on Moodle Q&A to address any concerns or queries
Module/Topic
Identifying Investment Choices
- Attributes of investors
- Investment asset classes
- Risk and return relationship
- Benefits of diversification
- Understanding general investment strategies
Chapter
Refer to Study Guide for:
- Week 5 Prescribed and Supplementary Reading
Events and Submissions/Topic
- Please refer to the study guide for details of the weekly requirements.
- Note: Zoom Workshop link available in Week 5
- Activity 3 Due by 10am Friday of Week 5
- For the practical assessment complete the ‘Our Investment Product Recommendations’ and the ‘Supporting information and Annexures’ of the SOA.
- Engage on Moodle Q&A to address any concerns or queries
Module/Topic
Vacation and Catchup Week
Chapter
Refer to Study Guides Weeks 1 to 5
Events and Submissions/Topic
- Revising Weeks 1 to 5
- Assessment completion
- Catching up incomplete Modules from Weeks 1 to 5
- For the practical assessment complete the ‘Our Investment Product Recommendations’ and the ‘Supporting information and Annexures’ of the SOA.
- Engage on Moodle Q&A to address any concerns or queries
Module/Topic
Wealth Creation 1: Direct Investment in Fixed Interest, Shares and Property
- Characteristics, benefits, risks and impact of interest rate changes on cash, fixed interest, shares and property investments
- Valuations and structuring a direct investment strategy in shares, property, collectibles and alternative investments
Chapter
Refer to Study Guide for:
- Week 6 Prescribed and Supplementary Reading
Events and Submissions/Topic
- Please refer to the study guide for details of the weekly requirements.
- Note: Zoom Workshop link available in Week 6
- Activity 4 Due by 10am Friday of Week 6
- For the practical assessment complete the ‘Our Investment Product Recommendations’ section within the SOA.
- Engage on Moodle Q&A to address any concerns or queries
Module/Topic
Wealth Creation 2: Managed Funds, Gearing and Margin Lending
- Asset Classes - cash, fixed interest, shares, ETFs and property investments
- Benefits, risks, fee structures and taxation implications of managed fund, leveraged investment and margin lending strategy
- Researching and Identifying management and investment styles of fund managers
- Constructing a managed fund and geared investment strategies
Chapter
Refer to Study Guide for:
- Week 7 Prescribed and Supplementary Reading
Events and Submissions/Topic
- Please refer to the study guide for details of the weekly requirements.
- Note: Zoom Workshop link available in Week 7
- For the practical assessment complete the “Replacement and alternative product recommendations” and the ‘Supporting information and Annexures’ of the SOA.
- Activity 5 Due by 5 am Friday of Week 7
- Engage on Moodle Q&A to address any concerns or queries
Module/Topic
Wealth Protection: Insurance and Risk Management
- Classifications of risk and risk management
- Insurance concepts, policy types and conditions
- Evaluating personal and property risk
- Purchasing personal insurance inside versus outside superannuation,
- Lifestyle changes and the need for ongoing review
Chapter
Refer to Study Guide for:
- Week 8 Prescribed and Supplementary Reading
Events and Submissions/Topic
- Please refer to the study guide for details of the weekly requirements.
- Note: Zoom Workshop link available in Week 8
- Complete the ‘Recommended asset allocation’ and/or making a start on the ‘Financial outcomes of our recommended strategies’ sections of the SOA.
- Engage on Moodle Q&A to address any concerns or queries
Module/Topic
Wealth Creation 3: Superannuation
- Characteristics, types and structure of superannuation trusts, investment and product
- Employer, employee contributions, tax treatments and preservation rules
- Basic superannuation accumulation strategies
Chapter
Refer to Study Guide for:
- Week 9 Prescribed and Supplementary Reading
Events and Submissions/Topic
- Please refer to the study guide for details of the weekly requirements.
- Note: Zoom Workshop link available in Week 9
- For the practical assessment complete the ‘Cost of our advice’ section of the SOA and the ‘Supporting information and Annexures’.
- Exam Advice available from this week
- Engage on Moodle Q&A to address any concerns or queries
Module/Topic
Retirement Planning
- Conditions of release
- Preservation age
- Withdrawal of funds
- Death benefit basics
"HAVE YOUR SAY" Student Evaluation Survey
Chapter
Refer to Study Guide for:
- Week 10 Prescribed and Supplementary Reading
Events and Submissions/Topic
- Please refer to the study guide for details of the weekly requirements.
- Note: Zoom Workshop link available in Week 10
- For the practical assessment complete the ‘Authority to Proceed with our Advice’, 'How to implement our Advice', final parts of the ‘Supporting information and Annexures’, and References.
- Exam Advice available from this week
- Complete the "HAVE YOUR SAY" Student Evaluation Survey
- Engage on Moodle Q&A to address any concerns or queries
Module/Topic
Social Security
- Government benefits
- Age and DVA pension entitlements
- Income and asset test calculations.
"HAVE YOUR SAY" Student Evaluation Survey
Chapter
Refer to Study Guide for:
- Week 11 Prescribed and Supplementary Reading
Events and Submissions/Topic
- Please refer to the study guide for details of the weekly requirements.
- Note: Zoom Workshop link available in Week 11
- Engage on Moodle Q&A to address any concerns or queries
- Statement of Advice Assessment is due
- If you have not already done so, complete the "HAVE YOUR SAY" Student Evaluation Survey
[SCALED] STATEMENT OF ADVICE Due: Week 11 Wednesday (25 May 2022) 11:45 pm AEST
Module/Topic
Fundamentals of Estate Planning Estate Planning
- Importance and critical components of estate planning in a financial plan
- Distribution of estate and non-estate assets
- Raising the question of estate planning with a client
Final Exam Review
"HAVE YOUR SAY" Student Evaluation Survey
Chapter
Refer to Study Guide for:
- Week 12 Prescribed and Supplementary Reading
- Final Exam Advice will be available by Week 10
Events and Submissions/Topic
- Please refer to the study guide for details of the weekly requirements.
- Note: Zoom Workshop link available in Week 12
- Attend final online Zoom workshop presentation
- Prepare for the exam, including referring to Previous Exam Papers
- Engage on Moodle Q&A to address any concerns or queries
- If you have not already done so, complete "Have Your Say" Survey
Module/Topic
Exam preparation
Completion of Student Evaluation Survey
Chapter
Refer to Study Guides for:
- Weeks 1 to 12
Events and Submissions/Topic
- Prepare for the exam, including referring to Previous Exam Papers
- If you have not already done so, complete "Have Your Say" Survey
Module/Topic
Exam End of Term Report
Unit Coordinator End of Term Report
Chapter
Refer to Week 12 for:
- Reports finalized by the various relevant committees of CQU SBL
Events and Submissions/Topic
- End of term reports available on the Moodle after Certification of Grades
EXAMINATION Due: Exam Week Monday (13 June 2022) 11:45 pm AEST
FINC11001 incorporates a practical application component to their assessment by requiring you to complete a Scoped Statement of Advice.
The design of the Statement of Advice assessment in this unit is simplified simulation of the real world to expose you to the knowledge and skills required for this emerging profession. However, there is always a gap between our teaching and the real world. Although we try to expose you to a range of practical concepts and skills, we cannot simulate the real world perfectly. Add to that, financial planning practitioners and other stakeholders' risk management policies.
During this unit and beyond you need to learn to recognise things you don't know and learn how to solve this. Therefore, although important in practice the completion of a Fact Find/Discovery File Notes, Client File Notes and Advice/Product Research File Notes have been excluded from your Statement of Advice assessment. Once you graduate and gain employment, then you will spend your professional year and several years afterwards achieving professional-level competence.
Professional development, in-house training, mentoring and practical experience are needed to achieve this.
1 Practical Assessment
This is an individual assessment.
Comprehensive guidelines, submission instructions and resources will be available in Moodle and in the ASSESSMENT tile.
There are 5 multiple choice assessment activities.
Each activity is worth 6 percent and includes either statement of advice activities, comprehension questions, calculations or professional advice concepts.
The purpose of the activities is to:
- build your financial planning skills progressively
- ensure you have a strong understanding of the professional and practical requirements financial planning
- establish specific competencies that will help you with Assessment Item 2, namely the [Scaled] Statement of Advice
Submission of activities begins in Week 3 and then each week until Week 7.
For instance,
- Activity 1 covers Week 1 material and is due by 10am Friday of Week 3,
- Activity 2 covers Week 2 material and is due by 10am Friday of Week 4
- Activity 3 covers Week 3 material and is due by 10am Friday of Week 5.
- Activity 4 covers Week 4 material and is due by 10am Friday of Week 6.
- Activity 5 covers Week 5 material and is due by 10am Friday of Week 7.
IMPORTANT: Due to the progressive nature of this assignment any requests for extensions are likely to be denied.
Refer to Learning Schedule above for specific dates.
All activities must be completed and submitted via Moodle Assessment tile. Commencing in Week 3, the Activities are due each week 10 AM Friday starting Week 3 and ending Week 7.
This assessment is graded online and marks will be provided at the completion of the each multiple choice assessment activity.
All activities will be available in the <ASSESSMENT> tile in Moodle.
Correct multiple choice answer is the criteria used to earn your grades.
- Explain and apply the process and Australian legal framework of financial planning.
- Present strategic advice which meets the financial planning needs and objectives of clients in a variety of circumstances.
- Communication
- Problem Solving
- Critical Thinking
- Information Literacy
- Team Work
- Information Technology Competence
2 Practical Assessment
This is an individual assessment.
Comprehensive guidelines, submission instructions, resources and marking criteria will be available in Moodle in the ASSESSMENT tile.
In summary, you will be provided with a client case study and a partially completed Statement of Advice template.
The purpose of this assignment is to have you research a financial planning problem, analyse a number of solutions and document your recommendations using a real-world financial planning advice template.
The Statement of Advice template completion is a simulation of the real-world as and contains specific justifications related to your financial planning recommendations. Hence, this assignment has the reputation for being challenging, yet useful in terms of how it builds wealth creation knowledge as well as provides an employable skill.
Weekly Zoom Workshops will demonstrate how to construct a Statement of Advice from different perspectives.
Engaging with your peers via the Moodle Q&A forum helps lighten your study workload.
Week 11 Wednesday (25 May 2022) 11:45 pm AEST
Refer to submission instructions in ASSESSMENT block in Moodle
Review/Exam Week Wednesday (8 June 2022)
Feedback will be provided via Moodle in the Assessment tile
Details of the marking criteria (rubrics) is provided in Moodle in the <ASSESSMENT> tile.
We award marks for completing a Statement of Advice (SOA) Microsoft-Word template provided covering the following sections of the SOA.
- Introduction (Table of Contents)
- Summary of our Advice in a Strategy Map
- Our Recommended Strategies
- Our Product Recommendations
- Replacement and alternative product recommendations included
- Recommended asset allocation
- Financial outcomes of our recommended strategies
- Cost of our advice
- Supporting information and Annexures
- Organisation/Structure/Presentation/Mechanics
- Sources/Evidence
- Explain and apply the process and Australian legal framework of financial planning.
- Present strategic advice which meets the financial planning needs and objectives of clients in a variety of circumstances.
- Communicate effectively with clients to solve financial planning problems.
- Construct financial planning scenarios using industry standard software.
- Communication
- Problem Solving
- Critical Thinking
- Information Literacy
- Team Work
- Cross Cultural Competence
- Ethical practice
3 Take Home Exam
This is an open book online timed exam of 2 hours, including downloading, uploading and submission time.
- There is a minimum exam grade of 50% to pass the unit.
- You will be typing your answers in the examination template document provided.
- This is an individual assessment. Collaboration with other students will result in an academic misconduct allegation for all students involved. This may result in a fail result for this assessment. Please note that your paper will be submitted through Turnitin.
- You have 15 minutes at the start of the exam to download the exam file via Moodle.
- You have 1.5 hours to complete the exam in Microsoft-Word.
- You have 15 minutes to upload and submit the completed examination paper at the end of 1.5 hours.
- Late submissions will not be marked.
- If you encounter problems submitting your paper to Moodle, email it to your unit coordinator by the due time.
Exam Week Monday (13 June 2022) 11:45 pm AEST
Download the exam from Moodle Assessment tile on the scheduled date and time.
Exam Week Monday (13 June 2022)
Feedback will be provided via Moodle in the Assessment tile
Open book online exam grading as per the Online Take Home Exam Advice to meet the learning outcomes.
There are eight 5 mark short answer applied theory questions.
Refer to the Exam Advice and Online Open Book Exam Instructions
- Explain and apply the process and Australian legal framework of financial planning.
- Present strategic advice which meets the financial planning needs and objectives of clients in a variety of circumstances.
- Communicate effectively with clients to solve financial planning problems.
- Construct financial planning scenarios using industry standard software.
- Communication
- Problem Solving
- Critical Thinking
- Information Literacy
- Cross Cultural Competence
- Ethical practice
As a CQUniversity student you are expected to act honestly in all aspects of your academic work.
Any assessable work undertaken or submitted for review or assessment must be your own work. Assessable work is any type of work you do to meet the assessment requirements in the unit, including draft work submitted for review and feedback and final work to be assessed.
When you use the ideas, words or data of others in your assessment, you must thoroughly and clearly acknowledge the source of this information by using the correct referencing style for your unit. Using others’ work without proper acknowledgement may be considered a form of intellectual dishonesty.
Participating honestly, respectfully, responsibly, and fairly in your university study ensures the CQUniversity qualification you earn will be valued as a true indication of your individual academic achievement and will continue to receive the respect and recognition it deserves.
As a student, you are responsible for reading and following CQUniversity’s policies, including the Student Academic Integrity Policy and Procedure. This policy sets out CQUniversity’s expectations of you to act with integrity, examples of academic integrity breaches to avoid, the processes used to address alleged breaches of academic integrity, and potential penalties.
What is a breach of academic integrity?
A breach of academic integrity includes but is not limited to plagiarism, self-plagiarism, collusion, cheating, contract cheating, and academic misconduct. The Student Academic Integrity Policy and Procedure defines what these terms mean and gives examples.
Why is academic integrity important?
A breach of academic integrity may result in one or more penalties, including suspension or even expulsion from the University. It can also have negative implications for student visas and future enrolment at CQUniversity or elsewhere. Students who engage in contract cheating also risk being blackmailed by contract cheating services.
Where can I get assistance?
For academic advice and guidance, the Academic Learning Centre (ALC) can support you in becoming confident in completing assessments with integrity and of high standard.
What can you do to act with integrity?
