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4. A term which has the object or effect of permitting the trader to
retain sums paid by the consumer where the consumer decides
not to conclude or perform the contract, without providing for the
consumer to receive compensation of an equivalent amount from
the trader where the trader is the party cancelling the contract.
5. A term which has the object or effect of requiring that, where the
consumer decides not to conclude or perform the contract, the
consumer must pay the trader a disproportionately high sum in
compensation or for services which have not been supplied.
6. A term which has the object or effect of requiring a consumer
who fails to fulfil his obligations under the contract to pay a
disproportionately high sum in compensation.
7. A term which has the object or effect of authorising the trader to
dissolve the contract on a discretionary basis where the same
facility is not granted to the consumer, or permitting the trader to
retain the sums paid for services not yet supplied by the trader
where it is the trader who dissolves the contract.
8. A term which has the object or effect of enabling the trader to
terminate a contract of indeterminate duration without reasonable
notice except where there are serious grounds for doing so. This
is subject to paragraphs 21 (financial services) and 24 (sale of
securities, foreign currency etc).
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