S.L. 376.10 Art. 15Inferred agreement for the conclusion of any credit agreement or the purchase of ancillary services.

(1) Creditors and credit intermediaries shall not infer the agreement of the consumer for the conclusion of any credit agreement or for the purchase of ancillary services presented through default options, such as pre-ticked boxes.

(2) The agreement of the consumer to the conclusion of any credit agreement or to the purchase of ancillary services presented through boxes shall be given by an unambiguous and clear affirmative act establishing a freely given, specific, informed and unambiguous indication of the approval of the consumer to the content and substance associated to such boxes.