熟知免责条款为自己多增一道法律保护墙

 mianzetiaokuan shizhidangshirenyuedingdeyongyimianchuhuoxianzhiqiweilaihetongzerendetiaokuan。mianzetiaokuanchangbeihetongyifangdangshirenxieruhetonghuogeshihetongzhizhong，zuoweimingquehuoyinhandeyisiyaoyue，yihuodelingyifangdangshirendechengnuo，shiqifashengfalvxiaoli。

一、免责条款的介绍

免责条款的介绍：

1、概念

 mianzetiaokuan(exclusion clause,exemption clause)，youguangyihexiayizhifen。guangyidemianzetiaokuanbujinbaokuowanquanmianchudangshirenzerendetiaokuan，yebaokuoxianzhidangshirenzerendetiaokuan;erxiayidemianzetiaokuanjinzhiwanquanmianchuzerendetiaokuan。benwencaiguangyishuo。yinci，mianzetiaokuanshizhidangshirenshuangfangzaihetongzhongshixianyuedingde、zhizaixianzhihuomianchuqiweilaizerendetiaokuan。

2、特点

免责条款的特点：

mianzetiaokuanjuyouruxiatedian：

 diyi，mianzetiaokuanshiyizhonghetongtiaokuan，tashihetongdezuchengbufen。yinci，xuduoguojiadefalvguiding，renheqituyuanyinmianzetiaokuanmianzededangshirenbixushouxianzhengminggaitiaokuanyijinggouchenghetongdeyibufen，fouzetawuquanyuanyingaimianzetiaokuan。

 dier，mianzetiaokuanshishixianyuedingde。dangshirenyuedingmianzetiaokuanshiweilejianqinghuomianchuqiweilaifashengdezeren，yincizhiyouzaizerenfashengyiqianyoudangshirenyuedingqieshengxiaodemianzetiaokuan，cainengdaozhidangshirendezerendejianqinghuomianchu。ruozaizerenchanshengyihou，dangshirenzhijiantongguohejiexieyierjianqingzeren，zeyudachengmianzetiaokuanshiyoubenzhiqubiede。

 disan，mianzetiaokuanzhizaimianchuhuoxianzhidangshirenweilaisuoyingfudezeren。jiyubutongdemude，mianzetiaokuankeyifenweilianglei：yishixianzhizerentiaokuan，jijiangdangshirendefalvzerenxianzhizaimouzhongfanweineidetiaokuan。liru，zaihetongzhongguiding，maifangdepeichangzerenbuchaoguohuokuandezonge。ershimianchuzerentiaokuan，rumouxieshangdianzaiqijutaishangbiaoming“huowuchumen，shubutuihuan”，jiushuyumianchuzerentiaokuan。yangedishuo，xianzhihemianchuzerendetiaokuanhaishiyouqubiede。 zaiyibanqingkuangxia，falvduimianzetiaokuandeyouxiaotiaojianbiduixianzetiaokuandeyouxiaotiaojianyaoqiugengweiyange。danshi，youyumianzetiaokuanhexianzetiaokuandoushiweilepaichudangshirenweilaidezeren，yinci，duizheiliangzhongtiaokuanzaililunshangbingmeiyouzuoyangequbie，yibanjiangqitongchengwei“mianzetiaokuan”。

 mianzetiaokuanyebutongyufutiaojiandehetong。jinguanmianzetiaokuanzaishedingshi，dangshirenyekenengzaitiaokuanzhongzhimingyidingdetiaojian，dangzheixietiaojianchengjiuyihou，dangshirenjiangbeimianchubulvxinghetongdezeren。danshi，mianzetiaokuanzhishihetongdeyixiangtiaokuan，qishedingdemudezhishiweixianzhihemianchudangshirenweilaidezeren，erbingbuyingxianghetongbenshendexiaoli，yejiushishuobuhuidaozhihetongdeshengxiaohuozhejiechu。erdangshirenzaifutiaojiandehetongzhongshedingyidingdetiaojian，zhizaiyitiaojiandechengjiuhuozhebuchengjiulaiyingxianghetongbenshendexiaoli。ruguotiaojianchengjiu，jianghuifashenghetongdeshengxiaohuozhezhongzhi。

二、免责条件与免责条款

mianzetiaojianyumianzetiaokuan ：

免责条件与免责条款

 (yi)mianzetiaojian:jifalvmingwenguidingdedangshirenduiqibulvxinghetongbuchengdanweiyuezerendetiaojian。woguofalvguidingdemianzetiaojianzhuyaoyou:

 1、bukekangli:《hetongfa》di117tiaoguiding，yinbukekanglibunenglvxinghetongde，genjubukekanglideyingxiang，bufenhuozhequanbumianchuzeren，danfalvlingyouguidingdechuwai。dangshirenchiyanlvxinghoufashengbukekanglide，bunengmianchuzeren。benfasuochengbukekangli，shizhibunengyujian、bunengbimianbingbunengkefudekeguanqingkuang。

2、huowubenshendeziranxingzhi、huowudehelisunhao:jian《hetongfa》di311tiao。

3、zhaiquanrendeguocuo:jian《hetongfa》di311tiao、di370tiao。

(二)免责条款

 1、mianzetiaokuandegainian:mianzetiaokuan，jiushidangshirenyixieyipaichuhuoxianzhiqiweilaizerendehetongtiaokuan。qiyi，mianzetiaokuanshihetongdezuchengbufen，shiyizhonghetongtiaokuan;qier，mianzetiaokuandetichubixushimingshide，buyunxuyimoshifangshizuochu，yebuyunxufaguantuidingmianzetiaokuandecunzai。

2、mianzetiaokuandeyouxiaoyuwuxiao

 (1)jiyuxianxingfadeguidingquedingmianzetiaokuandeyouxiaohuozhewuxiao。mianzetiaokuanyiyisibiaoshiweiyaosu，yipaichuhuoxianzhidangshirendeweilaizerenweimude，yinershuyuyizhongminshixingwei，yingshou《hetongfa》di52tiao、di53tiao、di54tiao、di47tiao、di48tiao、di51tiaohedi40tiaodeguidingdiaozheng 。

(2)jiyufengxianfenpeililunquedingmianzetiaokuandeyouxiaohuozhewuxiao

(3)genjuguocuochengduquedingmianzetiaokuandeyouxiaohuozhewuxiao，《hetongfa》di40tiao、di53tiao。

(4)genjuweiyuedeqingzhongquedingmianzetiaokuandeyouxiaohuozhewuxiao ，woguomeiyoucaiyong。