g Insurance policies: Insurance companies offer policies and each policy comes by a unique name standardised terms and conditions. The terms and conditions a decided by the insurance company (insurer). In such cas there is a high possibility of customers being exploited. Such on tracts usually contain unacceptable clauses. multiple types of and its own set of a Loans: Banks and other financial institutions offer various types of loans. The terms and conditions of each type of loan are deter- mined and fixed by the bank or the financial institution. The loan terms remain unchanged for each person who is taking the loan. Q Others: Parking tickets, theatre tickets, package receipts, debit card purchase slips, bills of lading, sale contracts, etc., are also standard form contracts.