A term of a consumer contract is considered unfair if: 

i.it would cause some imbalance in the parties’ rights and obligations arising under the contract. 

ii.it would cause a significant imbalance in the parties’ rights and obligations arising under the contract. 

iii.it is reasonably necessary to protect the legitimate interests of the party who would be advantaged by the term;  

iv.it would cause only a financial detriment to a party if it were to be applied or relied on. 

v.it would cause any form of detriment to a party if it were to be applied or relied on.