§1.7 Contracts to which the Directive does not apply

As explained in previous section, pursuant to the amendment brought by Directive (EU) 2019/2161 to Article 3 of the CRD, the Directive does not apply to contracts where the consumer does not pay a price or, in case of contracts for online digital content or digital services, where the consumer neither pays the price nor provides personal data to the trader. In addition, Article 3(3) lists specific categories of contracts excluded from the scope of application of the Directive. For example, the Directive does not apply to contracts for financial services, including insurance and investment. Social and healthcare services, gambling, timeshare and related holiday services are also excluded. Passenger transport services and package travel contracts (33) are excluded in principle, although specific provisions still apply. Further explanations are provided below. As a general rule, all exceptions must be interpreted narrowly (34).

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Source: EUR-Lex (Cellar) · retrieved 2026-09-07