contracts of adhesion

Contracts of adhesion are standardized agreements created by one party, usually a large organization, and offered to another party on a take-it-or-leave-it basis. The individual receiving the contract typically has little or no ability to negotiate terms, making them "adhere" to the contract as presented. Common examples include insurance policies, online service agreements, and mobile app terms. While they can streamline transactions, these contracts may sometimes contain unfair provisions, as the imbalance of power can limit the rights of the consumer. Thus, it's essential for individuals to read and understand these contracts before accepting them.