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This provides guidance on the law governing the use of exclusion and limitation clauses in both consumer and business contracts. It incorporates all the important changes brought about by the Unfair Contract Terms Regulations. These follow the implementation in the UK of the European Directive on Unfair Terms in Consumer Contracts. Coverage includes: the extension of the unfair contract terms regime to the provision of financial services; how the regulations apply to the secondary market, relations with brokers, the retail products market and all other transactions involving the sale and supply of goods and services; how criminal law applies to exclusion clauses; the body of case law which has grown up around the legislation; and guidance to the various statutory controls to guard against the misuse of clauses.