Consumers Shopping Contract information Pricing and payments VAT – Value Added Tax Shipping and delivery Guarantees and returns Your rights when shopping Internet and telecoms Roaming in the EU Accessing online content abroad Telecommunication services Internet access Data protection and online privacy Financial products and services Bank accounts in the EU Payments, transfers and cheques Mortgage loans Insurance products Consumer credits and loans Investment products Unfair treatment Unfair commercial practices Unfair pricing Unfair contract terms Energy supply Access to and use of energy services Contracts and energy consumption Complaints and dispute resolution Consumer dispute resolution Informal dispute resolution for consumers Out-of-court procedures for consumers Formal legal action for consumers See also Consumer Rights - awareness raising material