Correct. As well as literature and mandatory language detailing how to report fraud, or complain to a specific governing agency if you believe the card issuer is treating you unfairly or not complying with applicable laws. In the US, that would likely be the CFPB (Consumer Financial Protection Bureau).
It’s the same in the US. Most people don’t bother reading any of the terms, so they’re surprised when they exist.
There’s often things that beneficial to the user in those terms too. Buyer protections, terms with specific vendor types, etc.
Correct. As well as literature and mandatory language detailing how to report fraud, or complain to a specific governing agency if you believe the card issuer is treating you unfairly or not complying with applicable laws. In the US, that would likely be the CFPB (Consumer Financial Protection Bureau).