#### 95 Waiver in special circumstances The Secretary may waive the right to recover a debt if: (a) the debt did not arise in whole or part as a result of: (i) a contravention of this Act or the rules; or (ii) a false or misleading statement or a misrepresentation; and (b) there are special circumstances (other than financial hardship or the disability of the debtor) that the Secretary is satisfied make waiver appropriate; and (c) the Secretary is satisfied that waiver is more appropriate than writing off the debt.

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