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Practical Business Insights & Closed Cases

  This section shares practical insights drawn from real-world business operations, compliance matters, and resolved advisory cases. It reflects hands-on experience working with workshops, small businesses, and sole traders, as well as navigating government departments and regulatory requirements. Where appropriate, closed cases are summarised to highlight outcomes and provide guidance others can apply with confidence. 

About Cencoast Advisory

Our Mission

 Our mission is to provide practical, experience-based support that helps businesses and sole traders operate with clarity and control. We work across workshop operations, process improvement, compliance, and government navigation — turning complex or unclear requirements into workable systems and outcomes that make day-to-day business simpler and more sustainable. 

How it started

I didn't want a digital ID

 

Cencoast Advisory began from a situation many Australians can relate to — I didn’t want a Digital ID, and everything became harder because of it.

Digital ID in Australia is still optional.
It isn’t law.
No one is required to have one.

But during the process of running my business as a sole trader, I discovered that “optional” doesn’t always feel optional in practice.
Some government departments and systems have already started building their processes around Digital ID, leaving very few workable alternatives for people who choose not to use it.

As a result, I found myself blocked from accessing subsidies, support programs, and essential services — not because I was ineligible, but because the system simply wasn’t designed for sole traders who choose not to adopt a Digital ID.
The alternatives that should have existed either didn’t work, weren’t published, or weren’t understood by the departments providing them.

What should have been a straightforward process turned into confusion, contradictory advice, and unnecessary roadblocks.

And I realised:
If I’m struggling — with decades of operational and compliance experience — then other sole traders, small businesses and individuals must be missing out too.

So I created Cencoast Advisory to give those people a voice.
To help businesses and individuals stay compliant without being forced into systems they’re not comfortable with.
And to make sure operators don’t lose opportunities simply because they chose not to take on a Digital ID.

Who We Are

Our Vision

Experience That Matters

Experience That Matters

 “At Cencoast Advisory, our vision is to be a leading business and regulatory consulting firm, delivering clear, practical solutions and exceptional service to every client we support.” 

Experience That Matters

Experience That Matters

Experience That Matters

We are built on real-world experience, not theory. Our work is grounded in years spent inside workshops, running businesses, and dealing directly with the operational, compliance, and regulatory challenges that small businesses and sole traders face every day. We focus on practical guidance, clear systems, and outcomes that genuinely impr

We are built on real-world experience, not theory. Our work is grounded in years spent inside workshops, running businesses, and dealing directly with the operational, compliance, and regulatory challenges that small businesses and sole traders face every day. We focus on practical guidance, clear systems, and outcomes that genuinely improve control, efficiency, and confidence in how a business operates.  

Our Approach

Experience That Matters

Our Approach

 “Our approach is practical, clear, and client-focused. We break down complex government and regulatory requirements into simple steps, use modern tools to organise information, and provide structured guidance that leads to fast, accurate outcomes.” 

Digital ID Act 2024 — Section 74 Use of Digital ID

74 Use of Digital ID not to be required

DIGITAL ID ACT 2024 (NO. 25, 2024) - SECT 74


Creating and using a digital ID is voluntary


Creating and using a digital ID is voluntary

(1)  A participating relying party must not, as a condition of providing a service or access to a service, require an individual to create or use a digital ID.

Note:  The effect of this subsection is that a participating relying party that provides a service, or access to a service, must provide another means of accessing that service that does not involve the creation or use of a digital ID through the Australian Government Digital ID System.

(1A)  A participating relying party is taken to contravene subsection   (1) if:

(a)  the participating relying party provides the service, or access to the service, by means other than the creation or use of a digital ID through the Australian Government Digital ID System; and

(b)  either of the following apply:

(i)  the other means is not reasonably accessible;

(ii)  using the other means results in the service being provided on substantially less favourable terms.

Exceptions

(2)  Subsection   (1) does not apply to a service of a participating relying party if:

(a)  the service provides access to another service; and

(b)  the individual can access the other service by means other than the creation or use of a digital ID through the Australian Government Digital ID System; and

(c)  the other means is reasonably accessible; and

(d)  using the other means does not result in the other service being provided on substantially less favourable terms.

Example:  To open a bank account, ABC Bank requires new customers to verify their identity. ABC Bank allows customers to do this in person at each branch of ABC Bank or alternatively by using the bank's online application service, which requires the use of a digital ID. Jacob wants to open a bank account with ABC Bank but he does not wish to use his digital ID to do so. Because Jacob can verify his identity by going to his nearest branch instead, ABC Bank does not contravene subsection   (1).

(3)  Subsection   (1) does not apply if:

(a)  the participating relying party is providing a service, or access to a service, to an individual who is acting on behalf of another entity in a professional or business capacity; or

(b)  the participating relying party holds an exemption under subsection   (4).

Exemptions

(4)  Subject to subsection   (6), the Digital ID Regulator may, on application by a participating relying party, grant an exemption under this subsection   to the participating relying party if the Digital ID Regulator is satisfied that it is appropriate to do so.

Note:  See Part   5 of Chapter   9 for matters relating to applications.

(4A)  In deciding whether to grant an exemption under subsection   (4), the Digital ID Regulator must have regard to whether granting the exemption in relation to the participating relying party's service would unduly undermine access to services of that kind.

(5)  Without limiting subsection   (4), the Digital ID Regulator may be satisfied that it is appropriate to grant an exemption if:

(a)  the participating relying party is a small business (within the meaning of the Privacy Act 1988 ); or

(b)  the participating relying party provides services, or access to services, solely online; or

(c)  the participating relying party is providing services, or access to services, in exceptional circumstances.

(6)  However, the Digital ID Regulator must not grant an exemption under subsection   (4) to a participating relying party that is:

(a)  a Commonwealth entity, or a Commonwealth company, within the meaning of the Public Governance, Performance and Accountability Act 2013 ; or

(b)  a person or body that is an agency within the meaning of the Freedom of Information Act 1982 ; or

(c)  a body specified, or the person holding an office specified, in Part   I of Schedule   2 to the Freedom of Information Act 1982 .

(7)  An exemption under subsection   (4):

(a)  must be in writing; and

(b)  may be revoked by the Digital ID Regulator if the Digital ID Regulator considers it appropriate to do so.

(8)  The Digital ID Regulator must:

(a)  give written notice of a decision to grant, or to refuse to grant, the exemption to the participating relying party; and

(b)  if the decision is to refuse to grant the exemption--give reasons for the decision to the participating relying party.

What We Help With

 We provide practical, real-world support across workshop operations, process improvement, compliance, and government navigation. This includes helping businesses and sole traders manage day-to-day operations, adapt to change, deal with Digital ID and regulatory requirements, and navigate government departments and subsidy processes. Our focus is always on clear, workable solutions that deliver measurable results and reduce unnecessary complexity.  

Contact Us

Contact Us

Better yet, see us in person!

We love our customers, so feel free to visit during normal business hours or book an onsite visit

Cencoast Advisory

located on the Central Coast

0432779641

Hours

Today

Closed

Closed Public Holidays 

We understand business and are happy to work around you as well

Drop us a line!

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