164 No. 4 of 2021] Electronic Communications and Transactions (6) An originator who sends unsolicited commercial communications to an addressee who has opted-out from receiving any further electronic communications from the originator through the originator’s optout facility, commits an offence. (7) A person who advertises or who knowingly has goods or services advertised in contravention of this section commits an offence. (8) A person convicted of an offence under this section is liable on conviction to a fine not exceeding five thousand penalty units or imprisonment for a term not exceeding five years, or to both. Cooling-off period 66. (1) A consumer may cancel, without giving any reason and without incurring any penalty, a transaction and a related credit agreement for the supply of (a) goods within seven days after the date of the receipt of the goods; or (b) services within seven days after the date of the conclusion of the agreement. (2) Where a consumer cancels a transaction under subsection (1), the only charge that may be levied on the consumer is the direct cost of returning the goods. (3) If payment for the goods or services has been effected prior to a consumer exercising the right under subsection (1), the supplier shall give the consumer a full refund of the payment, which refund shall be made within thirty days of the date of cancellation. (4) This section shall not be construed as prejudicing the rights of a consumer provided for in any other written law. (5) Subsection (1) does not apply to an electronic transaction— (a) for a financial service, including an investment service, insurance and reinsurance operation, banking service or operation relating to dealings in securities; (b) by way of an auction; (c) for the supply of food stuffs, beverages or other goods intended for everyday consumption supplied to a home, residence or workplace of a consumer; (d) for services which have been performed in full with the consumer’s consent before the end of the sevenday period specified under subsection (1); (e) where the price for the supply of goods or services is dependent on fluctuations in the financial markets and which cannot be controlled by the supplier; (f) where the goods—