From time to time, almost on a daily basis, I come across users whining on social media about the contractual obligations they have unknowingly agreed to. Most often, they complain about mobile operators, who promptly answer them in front of everyone and invite them to solve the problem in the privacy of de-ems, that is, personal messages. There are other examples, as well as the eternal questioning of what we all agreed to when we click that box at the bottom kilometer of contracts that we had to scroll and scroll through just to open a simple account on a social network or app.
It is not better in the real world either, where cautious analysts warn us in the media about the "small print" in contracts with banks and similar institutions. But who is going to read all that, without having legal knowledge, nor the appropriate dioptre, and work (or danguba) can't wait, the card has to be extended and so on. The answer is simple - artificial intelligence.
All we need is for them to allow us to get the offered contract online or in a branch in digital format and then forward it to our chosen agent who will review it all nicely and in detail and warn us of possible problems in the future, right? Hmm, that's a good path, but there are still obstacles on it where YOU can stumble. If we don't help her.
First, as with any idea that comes to mind, someone has already thought of it and made it. But not for the Serbian market. At least not completely.
For example, there is an add-on for Chrome called T&C Clarity (from Terms and Conditions) that indicates possible problems in the Terms and Conditions that you will accept by clicking that box on a site. It works like a traffic light, red is what you need to study more closely, yellow might worry you, green is safe. There's also Legal Lens, a site for all possible contracts that similarly alerts you to legal risks. Their disadvantage is that they are adapted to American laws and the English language, they are only useful to us when we engage in business with the local entities.
The ideal legal agent that we need would have to have in his little finger (or memory) the entire Serbian legislation, with all its contradictions and (in)compliances with the EU laws that he needs to adapt to. But it's a shorter pair of sleeves. What our personal agent YOU needs is a Personal Legal Risk Map. Without it, the agent will give us general advice, which is good and useful, but not enough. Each of us has different needs and accordingly different conditions suit us. Some would pay more, but to terminate contracts more easily, some would change interest rates, increase the deposit, and so on.
A personal risk map would be a kind of survey in which we would enter all our needs, but in such a way that we do not leave too much sensitive, private information to the VI agent. Precise enough to protect us in legal work, general enough that it can't hurt us if the data gets into the wrong hands or the agent gets out of control.
In that case, every contract we get would be analyzed by the agent and point us to what doesn't suit us or what we need to negotiate and ask for better terms. Because for him, fine print does not exist, and he knows our needs and habits. Combine that with the land registry and the credit bureau and the world becomes, if not better, at least a fairer place.
