El presente informe jurídico analiza la interpretación de la Sala Especializada de Protección al Consumidor sobre el cumplimiento del deber de idoneidad por parte de una entidad bancaria en relación con las medidas de seguridad para autorizar operaciones de disposición de efectivo con tarjetas de crédito y propone una alternativa de análisis para resolver este tipo de denuncias por apropiación o retención de dinero en operaciones no reconocidas. A partir de la Resolución 3113-2023/SPC-INDECOPI, tenemos por objetivo reconocer el alcance del deber de idoneidad que la entidad bancaria debe cumplir en el tratamiento de operaciones de disposición de efectivo realizadas a través de una tarjeta de crédito, así como identificar cuándo ocurre una infracción a dicho deber de idoneidad. La problemática resulta relevante pues permite determinar si el enfoque en la decision del órgano resolutivo de INDECOPI es apropiado en casos de cuestionamiento sobre operaciones no reconocidas. En otras palabras, se evalúa si los fundamentos de la decisión incluyeron el cumplimiento del deber de idoneidad y las obligaciones del banco en relación con las medidas de seguridad establecidas en la garantía legal y expresa. Además, se formula una modificación en la normativa orientada a mejorar el tratamiento actual de estas operaciones.

Le corps humain n’a pas échappé au mouvement de contractualisation protéiforme qui se généralise. En ce sens, notre thèse a permis de démontrer l’existence d’une nouvelle catégorie juridique : celle du contrat portant sur le corps humain. Il s’agit d’un genre contractuel qui abrite de nombreuses espèces. La spécificité de ces contrats et l’hétérogénéité des règles qui les gouvernent n’est pas un obstacle à leur systématisation : le contrat portant sur le corps humain est un accord de volontés par lequel l’une des parties met son corps à disposition de l’autre pour l’exécution de la prestation convenue entre elles. En vertu de ce contrat, le cocontractant exerce un pouvoir matériel sur le corps mis à sa disposition. La prestation peut se réaliser sur ou par le corps mis à disposition. Un régime commun a pu être mis à jour. En effet, le législateur prévoit des obligations d’information pour éclairer le consentement de la partie faible, des droits potestatifs extinctifs lui sont également attribués afin que son consentement soit toujours révocable et un encadrement de la sécurité corporelle est nécessairement assuré. Cette étude a conduit à l’élaboration d’une classification des espèces contractuelles, ce qui permet de bénéficier d’une vision d’ensemble de ces contrats et de comprendre que chacun d’entre eux doit s’apprécier suivant l’acte envisagé et le corps mis à disposition. Dès lors, des règles spécifiques s’appliquent, lesquelles sont entièrement dédiées à la protection du corps et, partant, de la dignité humaine. / The human body has not escaped the movement of protean contractualization that is becoming more widespread. In this sense, our thesis made it possible to demonstrate the existence of a new legal category: that of the contract relating to the human body. It is a contractual genus that houses many species. The specificity of these contracts and the heterogeneity of the rules governing them is not an obstacle to their systematization: the contract relating to the human body is an agreement of will by which one of the parties makes his body available to the other for the performance of the service agreed between them. Under this contract, the contracting partner exercises material power over the body placed at his disposal. The service can be performed on or through the body provided. A common regime has been updated. Indeed, the legislator lays down information obligations to enlighten the consent of the weaker party, extinctive potential rights are also granted to him so that his consent can always be revoked and a framework for bodily safety is necessarily ensured. This study led to the elaboration of a classification of contractual species, which allows us to benefit from an overview of these contracts and to understand that each of them must be assessed according to the act envisaged and the body made available. As a result, specific rules apply, which are entirely dedicated to the protection of the body and, therefore, of human dignity.

Pendant longtemps, la qualification lege fori a dominé la scène internationale. D'une conception stricte, témoin d'une analyse particulariste du droit international privé, elle a progressivement évolué vers une conception assouplie. Aujourd'hui, les auteurs s'accordent à voir dans la qualification lege fori, une méthode de qualification appropriée. Confrontée au droit des obligations, la qualification lege fori révèle ses faiblesses. Elle est atteinte d'un vice originel qui implique de s'interroger sur son bien-fondé. Même assouplie, la qualification lege fori est incapable de se détacher des concepts du for. Une situation internationale sera donc résolue selon des concepts dictés pour les besoins du droit interne. Ces insuffisances s'observent à l'étude de cas hybrides. Il s'agit d'hypothèses particulièrement délicates à qualifier car elles se situent à la lisière de la matière contractuelle et de la matière délictuelle. La présente étude se propose de rechercher un modèle de qualification qui puisse répondre à la fonction internationale de la règle à appliquer. À côté de la qualification lege fori, il existe une appréhension européenne de la qualification. Celle-ci s'organise autour de l'élaboration de qualifications autonomes, a priori distinctes de la qualification lege fori. La Cour de justice a ainsi opté pour une qualification autonome des notions de matière contractuelle et de matière délictuelle. Confrontée à la qualification lege fori, la qualification autonome révèle sa véritable nature. Sous certains aspects, elle est une forme de qualification lege fori. Sous un autre angle, elle s'en éloigne et peut être analysée comme une véritable qualification internationale. Contrairement à la qualification lege fori, la qualification autonome répond à la fonction internationale de la règle de droit international privé. Elle est donc adaptée aux besoins de la vie internationale. Une fois le bien-fondé de l'approche autonome posée, il était nécessaire de s'interroger sur sa généralisation. En effet, l'adoption d'un ensemble complet de textes en droit international privé européen des obligations a fait émerger un débat sur l'opportunité d'adopter une qualification unitaire des notions communes aux textes de Bruxelles et de Rome. La présente étude se propose de retenir un modèle autonome et moniste de la qualification borné aux seules relations internationales. / For a long time, the lege fori characterisation has dominated the international scene. It has evolved from a strict conception, witness of a particularistic approach of private international law, towards a more flexible conception. Nowadays, authors accept the lege fori characterisation as an appropriate characterisation method. Faced with the law of obligations, the lege fori characterisation shows its weaknesses. It is suffering from an original defect which prompts interrogations on its merits. Even relaxed, the lege fori characterisation cannot be detached from the concepts of the lex fori. An international situation will therefore be resolved according to concepts dictated based on the needs of the law of the forum. Such inadequacies can be observed when studying hybrid cases. Hybrid cases hypotheses are extremely difficult to classify as they stand on the border between matters relating to tort/delict and matters relating to contracts. The present study will search for a characterisation model able to fulfil the international function of the rule to apply. A European understanding of characterisation exists beside the lege fori characterisation. It revolves around the elaboration of autonomous characterisations, in principle distinct from the lege fori characterisation. The European Court of Justice chose an autonomous characterisation for the notions of matter relating to contract and matter relating to tort/delict. Faced with the lege fori characterisation, the autonomous characterisation reveals its true nature. In some respects, it is a type of lege fori characterisation. From another perspective, it diverges from it and can be interpreted as a true international characterisation. Unlike the lege fori characterisation, the autonomous characterisation fulfils the international function of the private international law rule. Therefore, it is suitable to the needs of international affairs. Once the merits of the autonomous approach have been established, it is necessary to consider whether it can be generalized or not. Indeed, the adoption of a complete set of rules in European private international law relating to contractual and non-contractual obligations highlights a debate on the opportunity to adopt a unitary characterisation for the common notions of the Rome and Brussels Conventions and Regulations. The present study suggests to consider an autonomous and monistic model for characterisation but only to the extent international relations are involved.

The law of contract in South African affords parties the freedom to enter into a contract and who they wish to enter with. The general requirements for a legally enforceable contract are consent, good faith, and the sanctity of contract. The contractual freedom of parties also offers them freedom to choose the terms of their contract. Part of these terms is the freedom to incorporate exemption clauses in contracts. An exemption clause is a waiver of liability or the apportionment of risk in the event of an occurrence materialising as defined in the contract. Exemption clauses have become the norm rather than the exception and parties must therefore expect a contract to contain an exemption clause, albeit unfair. Until recently, there was no legislation that declared exemption clauses as unfair. The Consumer Protection Act is South Africa's first legislative regulation on unfair contract terms and the waiver of liability. The Act does not address the contractual freedom of parties to incorporate exemption clauses and whether they will be unenforceable in the light of section 48. The Act cannot be implemented without considering the freedom of contract to rely on exemption clauses. A literature study will be undertaken in order to establish the influence of section 48 of the Consumer Protection Act on South African law of contract and exemption clauses. / LLM (Import and Export Law), North-West University, Potchefstroom Campus, 2015

The law of contract in South African affords parties the freedom to enter into a contract and who they wish to enter with. The general requirements for a legally enforceable contract are consent, good faith, and the sanctity of contract. The contractual freedom of parties also offers them freedom to choose the terms of their contract. Part of these terms is the freedom to incorporate exemption clauses in contracts. An exemption clause is a waiver of liability or the apportionment of risk in the event of an occurrence materialising as defined in the contract. Exemption clauses have become the norm rather than the exception and parties must therefore expect a contract to contain an exemption clause, albeit unfair. Until recently, there was no legislation that declared exemption clauses as unfair. The Consumer Protection Act is South Africa's first legislative regulation on unfair contract terms and the waiver of liability. The Act does not address the contractual freedom of parties to incorporate exemption clauses and whether they will be unenforceable in the light of section 48. The Act cannot be implemented without considering the freedom of contract to rely on exemption clauses. A literature study will be undertaken in order to establish the influence of section 48 of the Consumer Protection Act on South African law of contract and exemption clauses. / LLM (Import and Export Law), North-West University, Potchefstroom Campus, 2015

This thesis is about the rights and liabilities arising under English and Chinese law in respect of the carriage of dangerous cargo. It is noted that the danger in dangerous cargoes was not necessarily something in the goods themselves, but might well lie in the way they were packaged, looked after or transported. Accordingly, the responsibilities and liabilities of the various parties with regards to the carriage of dangerous cargoes are usually intertwined and complex. The purpose of this thesis is to analyse and evaluate the dangerous cargoes liabilities in English and Chinese law, by providing suggestions for existing problems in each country based on three sources: contract, tort and statute. Moreover, the chain of causation and concept of remoteness has particular importance in order to establish liability and decide which type and what amount of damage is recoverable. This thesis compares both countries’ liability regimes and how to secure compensation for its victims, and the restoration of the environment, with reference to the EU Environmental Liability Directive and relevant international conventions. The author draws her final conclusions from four important issues: (1) the meaning of dangerous cargo, the packing and handling; (2) the scheme of liability; (3) the channelling of liability; and (4) the type of recoverable damage.

Enligt den så kallade förnyelselagen kommer alla avtalsrättigheter som är inskrivna före den 1 juli 1968 tas bort ur fastighetsregistret om inte förnyelse av inskrivningen anmäls senast den 31 december 2018. Syftet med examensarbetet är att uppmärksamma förnyelsekravet. Arbetets mål är dels att undersöka Gävle kommuns hantering av förnyelsekravet och dels att underlätta för Gävle kommun att avgöra för vilka inskrivningar som förnyelse behöver sökas. Onyttiga inskrivningar orsakar merarbete samt merkostnader vid lantmäteriförrättningar och förnyelselagen anses kunna bli ett effektivt instrument för att ta bort onyttiga inskrivningar. Samtidigt har det uttryckts en oro för att rättighetshavare kommer att söka förnyelse för samtliga inskrivna avtalsrättigheter som berörs utan att utreda vilka som är aktuella eller onyttiga. Därutöver finns en oro för att förnyelsekravet ska förbises för inskrivningar som fortfarande är aktuella, vilket skulle kunna leda till rättsförlust. I arbetet användes tre metoder. Juridisk metod tillämpades för att utreda rättsläget kring vad som händer med inskrivna avtalsrättigheter som tas bort ur fastighetsregistret. För att studera hur en större rättighetshavare agerar undersöktes, via fastighetsregistret, vilka inskrivningar som berör Gävle kommun. Dessutom genomfördes intervjuer med företrädare för kommunen beträffande hanteringen av förnyelsekravet. Ett resultat av den juridiska metoden är att det finns fyra olika situationer när en oinskriven rättighet riskerar att upphöra att gälla. Resultatet av inventeringen visar att det finns cirka 1 400 inskrivningar som berör de kommunala fastigheterna. Intervjuerna resulterade i att kommunen är informerad om förnyelsekravet och intervjuerna visar att kommunen i de flesta fall kommer att undersöka vilka inskrivningar som bör förnyas. Den första slutsatsen är att oinskrivna avtalsrättigheter som är aktuella fortsätter att gälla på samma sätt som inskrivna rättigheter, men de kan upphöra att gälla i fyra olika situationer om de exempelvis inte bevakas av rättighetshavaren. En sådan bevakning av oinskrivna rättigheter konstateras vara praktiskt omöjlig i de flesta fall beträffande Gävle kommun. Den andra slutsatsen är att kommunen kommer att utreda vilka inskrivningarna som behöver förnyas och risken för rättsförlust bedöms därmed som låg. Avslutningsvis kan konstateras att förnyelselagen är en möjlighet snarare än ett hot beträffande Gävle kommun. / According to the so-called ”förnyelselagen”, the Renewal Act, all title registration of contractual rights registered before 1 July 1968 will be de-registered from the Real Property Register, unless renewal is applied for the right no later than 31 December 2018. The aim of the degree project is to pay attention to the renewal requirement. The objective is partly to investigate how the municipality of Gävle will handle the renewal requirement, and partly to facilitate the municipality to determine for which registered rights renewal needs to be sought. Unnecessary registered rights cause additional work and costs at cadastral procedures and the Renewal Act is considered to be an effective tool to de-register unnecessary registered rights. At the same time, concerns have been expressed that right holders will apply for renewal for all registered rights that are affected, without investigate which of them are unnecessary. In addition, there is also a concern that the renewal requirement may be overlooked by right holders for rights that are still relevant, which can lead to legal loss. Three methods were used in the study. Juridical method was used to investigate the legal situation regarding what happens with registered rights that are de-registered from the Real Property Register. To study how a major right holder acts, an investigation of registered rights was made in the Real Property Register regarding the municipality of Gävle. Furthermore, interviews were conducted with representatives of the municipality concerning the work with the renewal requirement. A result of the juridical method is that there are four different situations when an unregistered right may end. The result of the inventory in the Real Property Register, shows that there are about 1 400 registered rights that affect the properties of the municipality. The interviews resulted in that the municipality is informed about the renewal requirement and the municipality in most cases will investigate which registered rights should be renewed. The first conclusion is that unregistered contractual rights currently remain valid in the same manner as registered rights, but they may end in four situations if they are not monitored by the right holder. Such protection of unregistered rights is found to be practically impossible in most cases regarding the municipality of Gävle. The other conclusion is that the municipality will investigate which registered rights that need to be renewed, therefore the risk of legal loss can be assessed as low. Finally, it can be concluded that the Renewal Act is an opportunity rather than a threat for the municipality of Gävle.

Delay in commercial commitments and its consequences The purpose of the thesis is to describe all the aspects of delay in commercial commitments in the law system of the Czech Republic with focus on the consequences a delay may cause. Even though the history of the respective legislation is long and uninterrupted (it basically dates back to the Austrian General Civil Code from 1811), certain cases of indistinct interpretation in every-day use of the rules may still arise and that is the reason for elaborating the research. Legislation, expert interpretation of the legislation, papers from professional journals and a number of judicatures, mostly decisions of the Supreme Court of the Czech Republic, are used to thoroughly analyse the topic. The Czech Commercial Code recognises two general kinds of delay - debtor's delay, which occurs if the debtor does not fulfil their (usually contractual) duties in time and/or properly and creditor's delay, that is initiated by the creditor if they do not accept proper fulfilment from the debtor and that supersedes the debtor's delay, if it may be in place. In case of the debtor's delay the law automatically guarantees the creditor several rights. They have the right to insist on the proper fulfilment to be delivered or they are entitled to cancel the contract, if...

- The Principle of Fair Business Transactions The submitted thesis called The Principle of Fair Business Transactions deals with assessment of impacts of private law's recodification on this principle and the issue of its application. The thesis consists of two main parts - theoretical and analytical. The theoretical part is divided into general and specific. The general theoretical part focuses on the specification of the business principle and its emplacement among other similar private law's principles such as principle of good faith and fair dealing and good manners. The aim of this part was to define divergences of each of the principles and the aftermaths of breaking these principles. It is impossible to go through the topic of the principle of fair business transactions globally, especially due to the extensiveness and variety of usage of the principle in business law relationships. Therefore, special attention has been paid to the principle of fair business transactions in the field of contractual penalty in the next theoretical part. In the analytical part, I endeavour to deal with the issue of the exercising of the right of a contractual penalty. In the first part, there is a short discourse on the contractual penalty itself, definition of an inadequate amount of the contractual penalty...

Appelées à administrer le déroulement de l'arbitrage dans toutes ses phases, depuis la mise en place du tribunal arbitral jusqu'au prononcé de la sentence arbitrale, les institutions d'arbitrage n'interviennent dans la procédure d'arbitrage que pour permettre aux parties d'obtenir un règlement efficace de leur litige. Elles préviennent et règlent les difficultés susceptibles d'y faire obstacle en adoptant toute une série de mesures (comme la désignation, le remplacement ou la récusation de l'arbitre) contenues dans leur règlement d'arbitrage qui facilitent grandement l'exercice de leurs diverses fonctions qui sont : de garantir aux parties que les tribunaux arbitraux puissent être effectivement désignés, d'assurer la police de l'instance arbitrale et de contrôler le projet de sentence arbitrale.De plus en plus contestées devant les tribunaux, les mesures ou initiatives prises par les institutions d'arbitrage font l'objet d'une attention critique de la part de la doctrine. On s'interroge sur la nature et l'étendue de leur mission, sur les pouvoirs des institutions et leurs frontières, sur la qualification de leurs rapports avec les parties, et sur ce qui arrive quand ces frontières sont dépassées ?A ces questions régulièrement posées devant le juge étatique, quand il se trouve saisi de demandes mettant directement et personnellement en cause les institutions permanentes d'arbitrage et la manière dont elles ont exercé ou exercent leurs fonctions, la présente thèse entend apporter des réponses et définir la mission des institutions d'arbitrage / Called to administer the progress of the arbitration in all its phases, since the implementation of the arbitration court until the pronouncement of the arbitration judgment, the institutions of arbitration intervene in the arbitration procedure only to allow the parts to obtain an effective regulation of their dispute. They warn and settle the difficulties susceptible to put it obstacle by adopting a whole series of measures (as the name, the replacement or the challenge of the arbitrator contained in their regulation of arbitration who facilitate largely the exercise of their diverse functions which are: to guarantee in the parts that arbitration courts can be effectively indicated, to assure the police of the arbitration authority and to check the project of arbitration judgmentMore and more disputed before the courts, the measures or the initiatives taken by the institutions of arbitration are the object of a critical attention on behalf of the doctrine. We wonder about the nature and the area of their mission, on the powers of institutions and their borders, on the qualification of their reports with the parts, and on what arrives when these borders are exceeded?In these questions regularly put in front of the state judge, when he is seized with requests putting directly and personally in cause the permanent institutions of arbitration and the way they exercised or exercise their functions, the present thesis intends to bring answers and to define the mission of the institutions of arbitration