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Art. 120 Legge federale del 18 dicembre 1987 sul diritto internazionale privato (LDIP)
LDIP; Capitolo 9: Diritto delle obbligazioni; II. Diritto applicabile; 2. In particolare; c. Contratti con consumatori
Art. 120 LDIP
I contratti concernenti una prestazione di consumo corrente destinata all’uso personale o familiare del consumatore e non connessa con l’attività professionale o commerciale di costui sono regolati dal diritto dello Stato di dimora abituale del consumatore se: a. il fornitore ha ricevuto l’ordinazione in questo Stato; b. la stipulazione del contratto è stata preceduta in questo Stato da un’offerta o da una pubblicità e il consumatore vi ha compiuto gli atti giuridici necessari per la stipulazione medesima o c. il fornitore ha indotto il consumatore a recarsi all’estero per fare l’ordinazione.
Le parti non possono scegliere il diritto applicabile.
Decisioni giudiziarie che applicano questa disposizione (7)
C1 24 163 · vs (Art. 120 IPRG)
Jurisdictional Dispute Over High-Volume Online Gambling Losses
The court determined that the contract did not qualify as a consumer contract under this article due to the high volume of wagers, thus negating the jurisdiction claimed under Art. 114 IPRG.
C/1977/2020 · ge (Art. 120 LDIP)
Genevan Jurisdiction Upheld Over CHF 1.3 Million Real Estate Loan Despite Consumer Protection Claim
Cited in conjunction with Art. 114 LDIP to define 'current consumption' which excludes large loans like the one in question.
C/8160/2020 · ge (art. 120 LDIP)
Jurisdictional Challenge in Investment Contract Dispute
The article defining consumer contracts under IP law was cited in the reasoning but ultimately rejected as inapplicable, and was not used in the final orders as a ground for decision.
ML.2010.95 · vd (art. 120 LDIP)
Foreign Supplier v. Swiss Debtor: Provisional Lifting of Payment Order Opposition Upheld
Cited in the reasoning section to determine the applicable law, but not explicitly in the dispositive.
AP.2010.52 · vd (Art. 120 LDIP)
Insurance Companies Appeal Dismissal of Lack of Jurisdiction Plea in Life Insurance Dispute
The court considered Art. 120 LDIP regarding the applicable law for consumer contracts, which was relevant to the determination of jurisdiction under the LDIP.
VPB 05-0201-4689 (Art. 120 LDIP)
Swiss E-Commerce: Contractual and Data Protection Challenges
Cited as the legal basis for determining applicable law in cross-border transactions, with a recommendation to revise it to better protect Swiss consumers in e-commerce.
VPB 94-356-1 (Art. 120 IPRG)
Regulation of General Commercial Terms and Abusive Clauses
Cited regarding consumer contracts being judged according to the law of their habitual residence, highlighting a disparity in rights between Swiss and EU consumers.