RESUMEN El impacto de la pandemia COVID-19 ysus consecuencias negativas laborales, tales como, el desempleo que deja sin un sustento económico a varias familias ha sido impactante, de hecho, es debido a la alarmante cifra de ciudadanos en busca de generar ingresos económicos, que, el Ministerio de Trabajo ecuatoriano se vio obligado a expedir cuatro acuerdos ministeriales como alternativas contractuales del trabajo, entre ellas se expidió el Acuerdo Ministerial MTA-2020-22, referente al Contrato de Emprendimiento, que busca amparar a los emprendedores y a sus empleados, incentivando a los emprendimientosa registrarse legalmente en el Registro Nacional correspondiente. Al mantener sus bases en el Código de Trabajo, el trabajador goza totalmente de los derechos laborales y los principios rectores del Derecho Laboral, pero, a pesar del tiempo de expedición de este Acuerdo, la ciudadanía no tiene un amplio conocimiento sobre el mismo y su alcance frente a ciertos grupos sociales, ejemplo, las personas privadas de libertad y los jóvenes emprendedores. Se plantea entonces, como objetivo general: Analizar el alcance del Contrato de Emprendimiento como alternativa laboral, lo cual se logra a través de un enfoque metodológico cualitativo y métodos tales como el analítico-sintético, el histórico- lógico y el inductivo.

ABSTRACT The impact of the COVID-19 pandemic and its negative labor consequences, such as unemployment, which leaves several families without economic support, has been shocking, in fact, it is due to the alarming number of citizens seeking to generate economic income, that the Ecuadorian Ministry of Labor was forced to issue four ministerial agreements as contractual alternatives to work, among them the Ministerial Agreement MTA-2020-22 was issued, referring to the Entrepreneurship Contract, which seeks to protect entrepreneurs and their employees, encouraging enterprises to legally register in the corresponding National Registry. By maintaining its bases in the Labor Code, the worker fully enjoys labor rights and the guiding principles of Labor Law, but, despite the time this Agreement was issued, the citizenry does not have extensive knowledge about it and its outreach to certain social groups, for example, people deprived of liberty and young entrepreneurs. It is then proposed, as a general objective: Analyze the scope of the Entrepreneurship Contract as a labor alternative, which is achieved through a qualitative methodological approach and methods such as the analytical-synthetic, the historical-logical and the inductive.

The idea of a data transfer agreement (DTA) template for the South African (SA) research community is receiving increasing attention. While developing such a DTA template is certainly a worthwhile project, questions regarding the project's practical execution should be addressed, including how to best operationalise the envisioned DTA template, and the content of the envisioned DTA template. It is proposed that an empowerment approach be followed in operationalising the envisioned DTA template, which is contrasted with the regulatory approach followed with the material transfer agreement that the Minister of Health promulgated in 2018. While the regulatory approach would entail government making the use of the envisioned DTA template compulsory regardless of the quality of such a template, the empowerment approach, by contrast, entails a focus on developing a high-quality, professionally drafted DTA template for the SA research community and making the use thereof a matter of own choice. Regarding the content of the envisioned DTA template, four hot-button content provisions are analysed, and it is argued that SA research institutions and researchers should be empowered to: (i) have clarity and legal certainty regarding their ownership of data, where relevant; (ii) be able to commercialise their research findings without unnecessary contractual constraints; (iii) avoid falling into the trap of unlawful benefit sharing with research participants; and (iv) be aware that their legal role as responsible parties, where relevant, cannot be contracted out via a DTA.

Abstract One of the essential processes in the software industry is the negotiation of contract terms for the development of software. The software development contract is a contract between a customer and a developer, whereby the developer creates and delivers a specific, custom piece of software to the customer. The software development contract is a binding legal agreement that contains roles and responsibilities, delivery and payment times, acceptance criteria, eventualities in cases of failure or delay, and procedures for adjustments. In addition, the contract specifies the requirements for software development. This article proposes the design and implementation of a smart contract deployed in a blockchain network for requirement management within an agile software development methodology. Even the proposed smart contract is used for the contractual payments of each requirement accepted by the client.

Resumen Uno de los procesos esenciales en la industria de software, es la negociación de los términos de contratación para la construcción de un software. El contrato de construcción de software es un contrato entre un cliente y un desarrollador, donde el desarrollador crea y entrega una pieza especifica y personalizada de software al cliente. El contrato de construcción de software es un acuerdo legal vinculante que contiene roles y responsabilidades, tiempos de entrega y pagos, criterios de aceptación, eventualidades en casos de fallas o retrasos y procedimientos para ajustes. En adición, en el contrato son especificados los requerimientos para la construcción del software. Este artículo propone el diseño y construcción de un contrato inteligente desplegado en una red blockchain para la gestión de los requerimientos dentro de una metodología ágil de construcción de software. Incluso el contrato inteligente propuesto puede ser usado para los pagos contractuales de cada requerimiento aceptado por el cliente.

Abstract This article aims to analyze the hypotheses in which it is possible to replace a unilateral sanction resulting from contractual breaches by an administrative agreement, as well as the criteria to be observed when choosing between an agreement or a unilateral sanctioning act. To this end, an analysis will be made of the normative provisions that authorize the adoption of consensus in the Brazilian Public Administration and the cases in which it is possible to replace the unilateral administrative act with bilaterality. After defining these assumptions, the existence of authorization in Brazilian law for the replacement of unilateral sanctioning activity, within the scope of administrative contracts, by agreements will be analyzed. Then, the guiding criteria that must be used by the Administration to decide between entering into the agreement or applying the unilateral administrative sanction in the event of contractual administrative infractions will be assessed. In the end, the conclusion will assess the decision-making process by the Administration based on such guiding criteria. end bilaterality assumptions activity contracts analyzed Then assessed decisionmaking decision making

Resumo O presente artigo tem como objetivo analisar as hipóteses em que é possível a substituição de sanção unilateral decorrente de infrações contratuais pelo acordo administrativo, bem como os critérios a serem observados para escolha entre o acordo ou o ato unilateral sancionatório. Para tanto, será feita a análise dos dispositivos normativos que autorizam a adoção da consensualidade na Administração Pública brasileira e os casos em que é possível a substituição do ato administrativo unilateral pela bilateralidade. Após a definição dos referidos pressupostos, será analisada a existência de autorização no Direito brasileiro para a substituição da atividade sancionatória unilateral, no âmbito dos contratos administrativos, por acordos. Em seguida, serão apreciados os critérios balizadores que devem ser utilizados pela Administração para decidir entre celebrar o acordo ou aplicar a sanção administrativa unilateral em caso de ocorrência de infrações administrativas contratuais. Ao final, a conclusão apreciará o processo de tomada de decisão pela Administração com base em tais critérios balizadores. sancionatório tanto bilateralidade pressupostos administrativos acordos seguida final

ABSTRACT: This article explores the limits of good faith in the construction of implied terms in contracts. It is contended that these limits are inherent to the construction of implied terms, whose function is to fill up gaps in the contract. Accordingly, good faith can never be the source of the main contractual obligations, but only of secondary or ancillary obligations, which can never alter the function of the contract as a whole or contradict any express term of the contract. This means that whereas good faith, as a general regulatory contractual principle is in itself non waivable, the implied terms extracted with its help can be determined and altered by agreement of the parties, in line with their particular interests involved in the contractual bargain.

RESUMEN: Este trabajo explora los límites de la buena fe en la integración de los contratos. Se sostiene que esos límites son una consecuencia de la naturaleza de la operación de integración contractual, la que tiene por objeto imputar un término implícito al contrato para suplir sus vacíos u omisiones necesitados de reglamentación. En razón de esa naturaleza de la operación de integración contractual, la buena fe no puede ser nunca la fuente de las obligaciones principales del contrato, sino solo de obligaciones secundarias u otros efectos jurídicos accesorios, todos los cuales no pueden nunca alterar el sentido y función del contrato, ni contravenir las estipulaciones expresas de los contratantes. Ello significa que los deberes de conducta y demás efectos jurídicos derivados de la buena fe para integrar las lagunas del contrato se encuentran subordinados a la voluntad común de los contratantes, por lo que son fundamentalmente disponibles. En consecuencia, si bien la buena fe como principio regulador del contrato es esencialmente indisponible, de ello deben distinguirse los deberes de conducta y demás efectos jurídicos derivados de ella para integrar el contrato, los que son modulables y renunciables por los contratantes, de conformidad con sus particulares intereses comprometidos en el intercambio contractual.

Resumo: o contrato de venda, pelo seu conteúdo e abrangência, determina a responsabilidade civil contratual nos casos de práticas indevidas e/ou cláusulas abusivas que possam comprometer as obrigações contratuais pactuadas, como as custas de escritura e securitização, data e assinatura do contrato, data de entrega, alterações de materiais, cartório, garantias e prazos. Os contratos de compra de casa estão contemplados no Estatuto do Consumidor (Lei 1.480, de 2011), que regulamenta os deveres e obrigações do comprador e do vendedor, e no Decreto 735 de 2013, que trata da eficácia da garantia imobiliária. Posteriormente, na Lei 1.796 de 2016, foram estabelecidas as medidas de proteção ao comprador de casa própria. Essas legislações são complementadas pelo que está estabelecido no Código Civil colombiano sobre contratos, promessa de venda e negócios jurídicos para a aquisição de habitação. Esta pesquisa tem como objetivo responder as seguintes perguntas: Como é atribuído o equilíbrio jurídico entre comprador e vendedor durante o processo de negociação e compra de novas casas na Colômbia? Que cláusulas abusivas foram determinadas nos contratos de venda de habitação nova? Quais são as sanções legais para a inclusão de cláusulas abusivas no contrato de venda?

Abstract: the sales contract, due to its content and its scope, determines the contractual civil liability in cases of improper practices and/or abusive clauses or unfair terms that may compromise the agreed contractual obligations, such as the costs of deed and securitization, date and signing of the contract, delivery date, changes in materials, notary, guarantees and deadlines. Home purchase contracts are contemplated in the Consumer Statute (Law 1480, 2011), which regulates the duties and obligations of the buyer and the seller, and in Decree 735 of 2013, which deals with the effectiveness of the real estate guarantee. Subsequently, in Law 1796 of 2016, the protection measures for the home buyer were established. These legislations are complemented by the provisions established in the Colombian Civil Code on contracts, the promise to sell agreement and the legal business for the acquisition of housing. This research aims to answer the following questions: how is the legal balance between buyer and seller attributed during the process of negotiation and purchase of new housing in Colombia? What abusive clauses have been determined in the contracts for the sale of new housing? and, What are the legal sanctions for the inclusion of abusive clauses in the sales contract?

Resumen: el contrato de compraventa, por su contenido y sus alcances, determina la responsabilidad civil contractual en casos de prácticas indebidas y/o cláusulas abusivas que pueden llegar a transigir las obligaciones contractuales acordadas, como los costos de escrituración y titularización, fecha y firma del contrato, fecha de entrega, cambios en materiales, notaría, garantías y plazos. Los contratos de compraventa de vivienda están contemplados en el Estatuto del Consumidor (Ley 1480, 2011), el cual reglamenta los deberes y obligaciones del comprador y el vendedor, y en el Decreto 735 de 2013, el cual trata sobre la efectividad de la garantía inmobiliaria. Posteriormente, en la Ley 1796 de 2016 se establecieron las medidas de protección del comprador de vivienda. Estas legislaciones se complementan con lo establecido en el Código Civil Colombiano sobre los contratos, la promesa de compraventa y el negocio jurídico para la adquisición de vivienda. La presente investigación pretende responder a los siguientes interrogantes: ¿cómo se atribuye el equilibrio jurídico entre comprador y vendedor durante el proceso de negociación y compra de vivienda nueva en Colombia?, ¿qué cláusulas abusivas se han determinado en los contratos de compraventa de vivienda nueva?, y ¿cuáles son las sanciones legales por la inclusión de cláusulas abusivas en el contrato de compraventa?

ABSTRACT This commentary analyses a recent decision which declared that a preliminary agreement regarding the sale of an apartment was null and void, since it did not fulfil the requirements of a promissory contract. The court also rejected the sellers’ claim of liquidated damages for CLP $ 40 000 000 on account that it would cause an unjust enrichment. Special attention is drawn both to the features of the contract and to the available mechanisms that allow the moderation of the liquidated damages, which enable a more balanced solution to the one reached by the court.

RESUMEN Este comentario analiza una reciente sentencia que declara nulo un contrato de cierre de negocios relativo a la venta de un departamento, por estimar que no cumple con los requisitos propios del contrato de promesa, al tiempo que descarta la procedencia del cobro de una cláusula penal de $40 000 000 en favor del vendedor, en cuanto daría lugar a un enriquecimiento sin causa. Se comenta tanto la fisonomía del contrato impugnado como los mecanismos disponibles para la moderación de la cláusula penal, los cuales pueden permitir una solución más equilibrada que aquella que ofrece el tribunal.

We propose and evaluate a contractual structuring instrument (in the form of a Framework Research Agreement) in support of research collaboration partnerships between universities and large industry, specifically for the case of large industry in the South African context. This study includes one large South African originated industry (as the pioneer of concluding Framework Research Agreements with several universities) and multiple South African universities, and stretches over several decades. This study was done within the broader context of the challenges and benefits experienced by both industry and university in the academic engagement sphere of industry-university collaboration. By providing insight from both industry and university perspectives, factors impacting on academic engagement (with specific emphasis on the legislative framework, contractual aspects, institutional research contract practices and institutional risks), are considered and discussed. Recommendations are made for improved industry-university collaboration by sharing experiences from the industry and universities on challenges faced, managing the expectations and proposing mechanisms to support constructive research collaboration through a mutually beneficial contractual framework instrument. SIGNIFICANCE: • A novel Framework Research Agreement as a contractual instrument was developed and pioneered by the industry partner with several South African universities, to create a transparent framework based on fair contracting and determinable remuneration principles. • This study specifically highlights the need for a contractual instrument, in which the intention is to build a long-term contractual relationship to support industry-university collaboration and academic engagement within the existing South African legislative framework. • It further draws attention to research contract management practices and contractual aspects, which until now have been largely ignored in industry-university collaboration and academic engagement frameworks of this kind.

Abstract This article refers to the legal status of the Heads of Agreement in Chile. Since these legal instruments are widely used in Chile, and they do not have specific regulations, there is the need for construing an argument for understanding their legal effects, meaning that they may fall under torts or contractual regimes. The article will conclude that, in order to determine the legal regime applicable to heads of agreement, judges will need to review whether the consent was formed.

Resumen Este artículo se refiere al estatus legal de los heads of agreement en Chile. Dado que estos instrumentos jurídicos son ampliamente utilizados en Chile, y que no cuentan con una regulación específica, es necesario construir una argumentación para entender sus efectos jurídicos, lo que significa que pueden encuadrarse en regímenes extracontractuales o contractuales. El artículo concluirá que, para determinar el régimen jurídico aplicable a los heads of agreement, los jueces tendrán que revisar si el consentimiento se ha formado.

Abstract: The bases and foundations of the pre-contractual duties established in the Chilean legislation regarding insurance contract, connecting them with the structural weaknesses of the adhesion contract and contractual freedom as the cornerstone of every contract. We will see why the legislator adopts certain safeguards in this matter and how this has been related to the contractual balance. In our opinion, what is sought is to protect the real will of the parties, which can normally be seen in the reasonableness of the contractual stipulations. Along these lines, we will analyze the construction of the pre-contractual duties of the parties (insurer and insured), in contrast to the normative stipulations contained in the laws taken into account when enacting Law Nº 20.667, as well as the means of protection outlined for the protection of the creditor. In other words, we will refer to what is protected, when and how, and if there is a right to choose between the different paths offered. This exercise is necessary for an adequate interpretation of these precepts and their possible modification of lege ferenda.

Resumen: Las bases y fundamentos de los deberes precontractuales establecidos en la legislación chilena respecto del contrato de seguro, conectándolos con las debilidades estructurales del contrato por adhesión, y el equilibrio y la libertad contractual como piedra angular de todo contrato. En nuestra opinión, el fundamento que aquí subyace va en la línea de proteger la voluntad real de las partes, lo que normalmente puede vislumbrarse a partir de la razonabilidad de las estipulaciones contractuales. En este contexto, analizaremos la construcción de los deberes precontractuales de las partes (asegurador y asegurado), contrastándolas con las estipulaciones normativas contenidas en las legislaciones tenidas en vista a la hora de dictar la Ley Nº 20.667 (2013). En otras palabras, nos referiremos al objeto de estos deberes, su temporalidad y textura, refiriéndonos en concreto a: qué se protege, cuándo y cómo, develando y puntualizando ciertos aspectos que necesariamente hemos de cuestionar de esta regulación.

The article analyses the UCP as a form of non-State law. It demonstrates that in some courts the UCP may inadvertently be applied as the governing law of the agreement instead of as contractual terms. The article proceeds to analyse the UCP against Article 3 of the Hague Principles on Choice of Law in International Commercial Contracts as well as along a set of criteria, developed by the author, that endeavours to provide certainty in the choice of non-State law. Based on the application of the above criteria the article concludes that the UCP would be suitable as a choice of governing law of the agreement.

Abstract: Does one have an obligation to keep one’s contracts? For many people, the initial inclination would be to answer “yes,” based on the strong association of contracts and promises, combined with the belief that, other things being equal, one should keep one’s promises. A closer examination of the question of the moral obligation to keep one’s contracts, however, raises complications and doubts. First, many have questioned the connection between contract and promises, arguing that contracts and contract law are best understood in some other way. Second, many are inclined to think that our duty to keep our agreements varies with how far the decision to enter the agreement deviated from optimal consent, or with facts about the fairness of the background relationship and society generally. It seems likely that one’s obligation to keep a contract will vary with its circumstances. Injustice in society, in the underlying relationship, in the negotiation of the agreement, or in the agreement’s terms would work against any such moral obligation. There also remains a question of what the content of the obligation to keep one’s contract would be, if there is one. Most of us would assume that it is a presumptive obligation actually to perform, but some would argue merely for an obligation to perform or pay damages. Though the prompt payment of damages -without disputing the breach, claiming a lower amount of damages, or threatening protracted and expensive litigation- would already be a significant advance on current common commercial practices.

Resumen: ¿Tiene uno la obligación de cumplir sus contratos? Para muchas personas, la tendencia inicial sería contestar que “sí”, debido a la fuerte relación entre contratos y promesas, aunada con la convicción de que, en igualdad de condiciones, uno debe cumplir sus promesas. Sin embargo, un análisis más detenido de la pregunta sobre la obligación moral de cumplir los contratos, plantea complicaciones y dudas. En primer lugar, muchos han cuestionado la relación entre el contrato y las promesas, argumentando que los contratos y el derecho contractual se entienden mejor de alguna otra manera. En segundo lugar, muchos suelen pensar que nuestro deber de cumplir con nuestros acuerdos varía en función de la medida en que la decisión de celebrar el acuerdo se haya desviado del consentimiento óptimo, o de los hechos sobre la equidad de la relación de fondo y la sociedad en general. Parece ser que la obligación de cumplir un contrato varía según las circunstancias. La injusticia en la sociedad, en la relación subyacente, en la negociación del acuerdo, o en las condiciones del mismo iría en contra de dicha obligación moral. También queda la pregunta de cuál sería el contenido de la obligación de cumplir el contrato, si es que existe. La mayoría de nosotros supondría que es una presunta obligación real por llevar a cabo, pero algunos sostendrían que se trata simplemente de una obligación de cumplir o pagar daños y perjuicios. Aunque el pago puntual de los daños y perjuicios -sin impugnar el incumplimiento, reclamar una cantidad menor de daños o amenazar con una litigación prolongada y costosa- ya sería un avance importante en las actuales prácticas comerciales habituales.

Resumo Detalhou-se a repercussão da Operação Lava Jato no Brasil sobre a arbitragem comercial internacional no Caso Vantage v. Petrobras, de 2018, relativamente à defesa pautada em nulidades contratuais vinculadas à corrupção na obtenção do contrato basilar da relação jurídica. O problema de pesquisa consistiu na seguinte indagação: como se deu a repercussão da Lava Jato sobre a arbitragem comercial no caso Vantage v. Petrobras? Lançou-se a hipótese de que aludida repercussão teve alcance limitado e com parcial e possível prejuízo à defesa da Petrobras em esfera internacional. Abordou-se a negociação de acordo de fornecimento de serviços de perfuração de águas superprofundas por navio-sonda da Vantage à Petrobras, a força-tarefa da Lava Jato, bem como tratou-se do procedimento arbitral aberto pela Vantage a partir da rescisão unilateral do contrato de afretamento obtido mediante corrupção. A pesquisa caracterizou-se como qualitativa, de método indutivo e técnica descritiva, com recurso à análise bibliográfica. Concluiu-se que a Operação Lava Jato repercutiu na arbitragem internacional na medida em que o fruto de suas investigações e procedimentos de colaboração premiada motivaram a rescisão unilateral antecipada do pacto por violações contratuais, contestada pela Vantage, porém não influenciou a sentença arbitral a respeito das nulidades arguidas pela Petrobras.

Abstract The main scope of the article is to detail the repercussions of Operation Car Wash in Brazil on international commercial arbitration procedures in Vantage v Petrobras (2018), with regards to the defense allegations that corruption in the securing of a contract deem it void or voidable. In this sense, it was wondered: how Car Wash reflected on commercial arbitration in Vantage v. Petrobras? The hypothesis is that its reflex was limited, with partial and possible prejudice to Petrobras’ defense in the arbitration. The study exposes the procurement of an agreement to provide drilling services in deep waters by Vantage to Petrobras, the Car Wash task-force, and it also deals with the arbitral procedure initiated by Vantage upon unilateral termination of the leasing contract obtained through corruption. It is a qualitative research, conducted through the inductive method, which employs descriptive analysis and bibliographical review. We conclude that Operation Car Wash had repercussions on the international arbitration, consistent with the findings of the investigation and plea deals motivated the early termination for contractual breaches also, fought by Vantage, but it has not influenced the arbitral award with regards to contractual annulment counterclaims made by Petrobras.

RESUMEN El baseball arbitration es un mecanismo alternativo de solución de conflictos que permite una solución pronta y económica de los conflictos, la cual, además, favorece la conservación de la relación subyacente, porque obliga a las partes a ser moderadas. No obstante, su implementación en Colombia aún no se ha logrado, dado que no se puede hacer como arbitraje ni como amigable composición. Por esto, en este artículo se propone un mecanismo de implementación en el país desde una perspectiva meramente contractual, a través del contrato de mandato, de transacción y de otras instituciones jurídicas nacionales.

ABSTRACT Baseball arbitration is an alternative dispute resolution mechanism that allows a quick and economic solution of conflicts that, in addition, favors the conservation of the underlying relationship, because it forces the parties to be moderate. However, its implementation in Colombia has not yet been achieved, due to it cannot be done as arbitration o as amicable resolution dispute. Therefore, this article proposes an implementation structure in the country from an entirely contractual perspective, through the mandate, settlement agreement and other national legal institutions.

RESUMO O baseball arbitration é um mecanismo alternativo de solução de conflitos que permite uma solução rápida e econômica dos conflitos que, para além, favorece a conservação da relação subjacente, porque obriga às partes a ser moderadas. No entanto, sua implementação na Colômbia ainda não se tem conseguido, devido a que não se pode fazer como arbitragem nem como amigável composição. Por isto, neste artigo, propõe-se um mecanismo de implementação no país desde uma perspetiva meramente contratual, através do contrato de mandato, de transição e de outras instituições jurídicas nacionais.

RESUMEN En tiempos de bancarización, donde abundan políticas para masificar el consumo de servicios financieros, la expansión de productos como la cuenta de ahorros en la modalidad de nómina y su llegada al promedio de la población con especiales condiciones de protección como los trabajadores, ha dejado entrever el estrecho vínculo que existe entre este tipo de servicios y la garantía y materialización de derechos básicos como el deber de información, el mínimo vital y la irrenunciabilidad y pago oportuno del salario. Con la revisión de las prácticas para aplicar la figura de la compensación incluida en los contratos de cuenta de ahorros por parte de las entidades financieras, se hace visible la necesidad de que el análisis de estas relaciones contractuales tenga en cuenta límites a la autonomía de la voluntad y libertad de contratación de estas entidades, en donde conceptos como el deber de información, el contrato de adhesión, la posición dominante y la doctrina de las cláusulas abusivas aportarán al restablecimiento del equilibrio contractual y en consecuencia, a la protección de los derechos de estos usuarios.

ABSTRACT These are times where policies to spread the consumption of financial services are numerous. The increase in products like saving accounts and their access to populations with special helplessness conditions, such as workers, has hinted at the close link between them and the guarantee of basic rights such as information, minimum subsistence, timely wages payment, and the inalienability of labor rights. With the review of the practices included by financial entities to apply the figure of compensation on saving account agreements, it is apparent the need for an analysis of these contractual relations. It bore the limits to the banks' autonomy and contract freedom, where concepts such as the duty of information, standard contract, dominant position, and doctrine on unfair terms will contribute in the preservation of the contractual balance and the protection of the users' rights.

RESUMO Em tempos de bancarização onde abundam políticas para massificar o consumo de serviços financeiros, a expansão de produtos como a conta poupança na modalidade de nómina e sua chegada à média da população com especiais condições de proteção como os trabalhadores, tem deixado entrever o estreito vínculo que existe entre este tipo de serviços e a garantia e materialização de direitos básicos como o dever de informação, o mínimo vital e a irrenunciabilidade e pagamento oportuno do salário. Com a revisão das práticas para aplicar a figura da compensação incluídas nos contratos de conta poupança por parte das entidades financeiras, se faz evidente a necessidade de que a análise destas relações contratuais tenha em conta limites à autonomia da vontade e liberdade de contratação destas entidades, onde conceitos como o dever de informação, contrato de adesão, posição dominante e doutrina das cláusulas abusivas; aportarão ao restabelecimento do equilíbrio contratual e em consequência, à proteção dos direitos destes usuários.