TY - JOUR
T1 - AI in Search of Unfairness in Consumer Contracts: The Terms of Service Landscape
AU - Lagioia, F.
AU - Jablonowska, A.
AU - Liepina, R.
AU - Drazewski, K.
N1 - Funding Information:
Francesca Lagioia has been supported by the European Research Council (ERC) Project “CompuLaw” (Grant Agreement No 833647) under the European Union’s Horizon 2020 research and innovation programme, and by the SCUDO project, within the POR-FESR 2014-2020 programme of Regione Toscana. Agnieszka Jabłonowska has been supported by the National Science Center in Poland (Grant Agreement UMO-2019/35/B/HS5/04444). This work has been supported by the Claudette (CLAUseDETecTEr) project, funded by the Research Council of the European University Institute and from the Bureau Européen des Unions de Consommateurs (BEUC).
Funding Information:
This work has been supported by the H2020 ERC Project “CompuLaw” (G.A. 833647), by the National Science Centre in Poland (G.A. UMO- 2019/35/B/-HS5/04444), by the SCUDO project, within the POR-FESR 2014-2020 programme of Regione Toscana, the National Science Center in Poland (Grant Agreement UMO-2019/35/B/HS5/04444), the Claudette (CLAUseDETecTEr) project, funded by the Research Council of the European University Institute and from the Bureau Européen des Unions de Consommateurs (BEUC).
Funding Information:
Open access funding provided by Alma Mater Studiorum - Università di Bologna within the CRUI-CARE Agreement.
Publisher Copyright:
© 2022, The Author(s).
PY - 2022/9
Y1 - 2022/9
N2 - This article explores the potential of artificial intelligence for identifying cases where digital vendors fail to comply with legal obligations, an endeavour that can generate insights about business practices. While heated regulatory debates about online platforms and AI are currently ongoing, we can look to existing horizontal norms, especially concerning the fairness of standard terms, which can serve as a benchmark against which to assess business-to-consumer practices in light of European Union law. We argue that such an assessment can to a certain extent be automated; we thus present an AI system for the automatic detection of unfair terms in business-to-consumer contracts, a system developed as part of the CLAUDETTE project. On the basis of the dataset prepared in this project, we lay out the landscape of contract terms used in different digital consumer markets and theorize their categories, with a focus on five categories of clauses concerning (i) the limitation of liability, (ii) unilateral changes to the contract and/or service, (iii) unilateral termination of the contract, (iv) content removal, and (v) arbitration. In so doing, the paper provides empirical support for the broader claim that AI systems for the automated analysis of textual documents can offer valuable insights into the practices of online vendors and can also provide valuable help in their legal qualification. We argue that the role of technology in protecting consumers in the digital economy is critical and not sufficiently reflected in EU legislative debates.
AB - This article explores the potential of artificial intelligence for identifying cases where digital vendors fail to comply with legal obligations, an endeavour that can generate insights about business practices. While heated regulatory debates about online platforms and AI are currently ongoing, we can look to existing horizontal norms, especially concerning the fairness of standard terms, which can serve as a benchmark against which to assess business-to-consumer practices in light of European Union law. We argue that such an assessment can to a certain extent be automated; we thus present an AI system for the automatic detection of unfair terms in business-to-consumer contracts, a system developed as part of the CLAUDETTE project. On the basis of the dataset prepared in this project, we lay out the landscape of contract terms used in different digital consumer markets and theorize their categories, with a focus on five categories of clauses concerning (i) the limitation of liability, (ii) unilateral changes to the contract and/or service, (iii) unilateral termination of the contract, (iv) content removal, and (v) arbitration. In so doing, the paper provides empirical support for the broader claim that AI systems for the automated analysis of textual documents can offer valuable insights into the practices of online vendors and can also provide valuable help in their legal qualification. We argue that the role of technology in protecting consumers in the digital economy is critical and not sufficiently reflected in EU legislative debates.
KW - Terms of service
KW - Unfair clauses
KW - Machine learning
KW - CLAUDETTE
KW - Crossmarket analysis
U2 - 10.1007/s10603-022-09520-9
DO - 10.1007/s10603-022-09520-9
M3 - Article
SN - 0168-7034
VL - 45
SP - 481
EP - 536
JO - Journal of Consumer Policy
JF - Journal of Consumer Policy
IS - 3
ER -