21Continuing disclosure not required

1. Disclosure under section 18 is not required if—

3. in connection with the consumer credit contract,—
   1. the creditor maintains (at all reasonable times) a website that allows the debtor to access the information set out in section 19 as is applicable to the contract for any reasonable statement period specified by the debtor; and
   2. the debtor consents to the information set out in section 19 being disclosed in the manner set out in subparagraph (i); or
4. neither interest charges nor credit fees are payable under the consumer credit contract.

5. Disclosure under section 18 is not required in relation to a particular period if—

6. the creditor cannot reasonably locate the debtor; or
7. during the period that would otherwise be covered by a disclosure statement,—
   1. there have been no debits or credits to the debtor's account and the unpaid balance is nil; or
   2. the creditor has written off the unpaid balance and there are no subsequent credits or debits to the debtor's account; or
   3. the debtor has breached the consumer credit contract and the creditor has commenced enforcement proceedings; or
   4. the debtor has been declared bankrupt or died and the Official Assignee or executors or trustees or administrator of the debtor's estate have not requested a continuing disclosure statement.

8. If disclosure under section 18 has not, in accordance with this section, been made in relation to a particular period, the next continuing disclosure statement that is required to be given or sent under this Act must cover every immediately preceding period for which a continuing disclosure statement has not been given or sent.