 but for the courts also. And taking into the queue the challenges in respect of unfair contract, under the Consumer Protection Act 2019, there have been amendments. And we largely as a student of law or lawyers keep on discussing as to what are the aspects of unfair contract. As you all say, unfair would be meaning that the terms and conditions of a contract, which on the face of it looks lopsided or one sided. And normally it is the other way around, where in the you find that there are conditions which let's assume a builder imposes or in respect of a unilateral conditions, which are one sided. We can also say they are somewhat akin to section 23 that any contract, which is against the public policy, is not to be termed to be acceptable. And the classic judgment of Brojonath is an example in respect of under section 23. But being that as it may, the legislature in the past, keeping in view the challenges, have incorporated especially the unfair contract under the section 2 sub clause 46 of the contract back to 2019. And in respect thereof, the powers have been given to the state consumer dispute reversal forum as well as the National Commission to examine in terms of the peculiarity of rejection as such as well as the territorial jurisdiction in respect of the issues. But the issue is not of territorial. But in the present case, as of today, we have requested Justice Paramjit Singh Dhaliwal, a former judge of Punjab Raina High Court, and who is also the president of the Punjab state consumer dispute mission. To give his insights, what has been his experience and what are the way forward in respect of the Consumer Protection Act's amendment, whether it will facilitate the consumer, et cetera. And since consumer protection, I remember that in our times, way back in 1994, Consumer Protection Act was introduced as one of the slavers so that the students could be well-prepared once they jump into the profession. We requested CMR University, Bangaluru, where a lot of students and it has created its own niche. And those who have been connected with beyond law CLC know that Professor B.R. Subramaniam, who is the dean of the CMR University of the law faculty. And he was kind enough because he has accepted and we have become a knowledge partner along with Sajmay, who's the think tank of normally general counsels and well-advocates for taking things forward in respect of the Consumer Protection Act. More specifically, the presentation would be on the unfair contract. Before we request Justice Paramjit Singh Dhaliwal to take things and show his insights over this topic, I would request our knowledge partner, Professor Subramaniam, who leads the legal faculty out in the CMR University, Bangaluru, to give the welcome at this. Over to you, sir. Paramjit Dhaliwal, former judge court of Punjab and Haryana. And presently the president of the Punjab Consumer Dressel Commission. And Mr. Vikas, the man who is taking care of the entire law and beyond and respected participants and the dignitaries who are present and listening to this function. It was on this day in 1962, President John F. Kennedy presented a Bill of Rights for the protection of consumers and requested the Senate of the State of United States to approve this. And this was approved overnight. The Bayer-Bibayar concept and the Cabot-Emper concept came into prime four. There afterwards, you know, the lots of developments have taken place in this area. But then, Gerald Ford, the next president of the State of United States, added one more right to the Bill of Rights on consumer protection. And this one more right happened to be consumer education. So in the original Bill that was introduced by John F. Kennedy to the Senate of United States, consumer education was not part of it. But then, at the latest date, that also became part of what we call as the Consumer Bill of Rights. Now having realized the pulse of the problem, it was in the year 1985. Resolution number 39, 1985. The General Assembly of the United Nations adopted a resolution. And this resolution, by the Bill of Rights, again, for the protection of consumers versus United Nations, requested to see that the consumers who they make use of the product are to be informed of the quality of the product, the hazardous nature of the product, and the public information of the product that is being prepared. This is very much essential for the growth of econotype of, remember, items that are making use of whether it is good or bad. Thereafter, you might be knowing there was no limit for the growth of the law. The Indian law was enacted in 1986 and in 2002 as well as in 2005 and subsequently, very recently, the law was amended as well. We have Honorable Judge Justice, Mr. Dhariwal, who is currently heading as the President of the Punjab and the Punjab Consumer Regressional Commission, who is an authority, who has immense experience, who has seen what exactly are the facts of life in consumer cases. We've been in a position to speak to us. I really welcome you, sir, for this arrest function. Thank you. Thank you. In addition to this, we have lots of listeners as well from different corners of India and abroad. And when the CMR law school, as well as the law and beyond led by Mr. Vikas is organizing this function, there is a bound and duty to welcome everyone. On behalf of the CMR law school and the CMR University and the CMR Board of Management, as well as law and beyond, we welcome every participant who is listening to this. Now, the matter is left to and thrown open to the Honorable Judge. Thank you, sir. Sir, somehow there's a problem with his video. Mr. Srinidhi is there, who looks after the consumer protection. I will say that he can give some introduction till Justice Dhariwal logs in with the video. Mr. Vikas, we are getting a message. Most has stopped your video. No, it can't be. This is the message which we are getting. Sir, one of the slideshow, we have to log in to that one. Start my video. No, start with the slide one. The other instrument you have logged in from the second instrument, you can try the video from that part. All of it. Yes, now it is here. Now it is okay. Come here. Okay. Slide show. Hello. Good afternoon. Mr. Vikas Chaitra. Sir, you can ask your person to start doing the screen sharing from the other instrument. And unmute yourself. Slide share to unmute. You are not allowing in the slide show this. Unmute. Unmute. I am just allowing unmute to slide show. Slide share, unmuting. Sir, unmute yourself, sir. Of course, he is not allowing participant to unmute. Sir, just try again. Yes, we can start. Now it may be visible. Sir, the other instrument is being bumped. Good afternoon. Mr. Vikas Chaitra and Dr. Sonamani. It is my request on this Vahadevan New Day. I have been invited to address on the unfair terms of contract. Sir, there is an echo. You will ask him to stop the echo or you will stop. In our case, there is no echo. This may be something else. No, it's fine. I would like to address on the unfair contract which is very crucial. In the present day setup, because now we can declare the contracts are null and void before wasting the much time on this introduction. I will first like to slide show. First like to show from the slide where the complaints can be filed. When you are challenging the terms of a contract as unfair. The complaints can be filed before the state commission or the national commission. The list of unfair terms has been given in section to subsection 46. It must be visible on the screen. Now we will have to see where the complaints have been filed. I have already told that it can be filed in the state commission or the national commission. District commission has no right. Such a complaint cannot be filed. Many a time objection is raised when the peculiar value of the state commission starts above 1 crore. How the complaint can be filed in the state commission. This is not relevant. If you read the section 47 to 4712 I, it says when the value of goods or services does not paid consideration does not exceed 10 crore. There is a no class that there should be any minimum value of the goods and services. Hence all the complaints which are up to 1 crore or up to 10 crore can be filed in the state commission. This way I want to make it very clear. But you will have to ensure that you will have to challenge on the ground that the terms of the contract are unfair. That we will try to explain. Then similarly if the value of the goods and services paid is more than 10 crore, then you can straight away file a complaint in the national commission. There is a no bar regarding peculiar jurisdiction. This is a special jurisdiction conferred under the act. This is a statutory recognition given by the act for filing such complaints. And declaration can be given that the contract is null and void for such and such reason. Now we come to the unfair terms. There is a list of unfair terms which have been given by under the act. You will read through this. The unfair contract means a contract between a manufacturer trader or service provider on the one hand and the consumer on the other hand. Having such terms which significantly changed in the rights of such consumer including the falling. These terms have been given. They are not exhaustive. They are only indicative. We will, it is for the court to determine that is the commission or the other court, whatever, wherever it is placed, whether they are unfair or not. The majority of the terms such as penalty clauses, unilaterally cancellation clauses, that terms cover the person, consumer in such a way that he has no time or very little or no opportunity to sign before reading that. He signed before reading those terms. This is one of the variation clauses. Sometime there are many variation clauses. One by one I have given from one of my judgments where I have dealt with all these issues. I will refer to the clauses and try to explain them by referring to that. We are just having a reading of the provisions of the act. Variation clauses are unilateral. Enable the businessman that is the builder, etc., to alter the terms of the contract without any valid reason. Price escalation clauses are added. They are also unilaterally corresponding. Right is not given to the consumers to withdraw from it. When the consumer contracts, when the contract is challenged on the basis of unfair terms, then the consumer has to show that the terms are unfair. Thereafter, burden shifts upon the business, that is the builder, insurance company, etc., that terms are fair. What we see when we are entering into a contract, specifically the builders, they are standard form contracts which we call a decent contract. They are drafted by a very skilled person after taking the expert advice. Favourable terms in these contracts are added, which are specifically in favour of the business houses. And the situation is such. The consumer has very little time, virtually no opportunity to go through the terms. They say sign it. The offer is like take it or leave it. This is such a situation. In this manner, the business, whatever the business person who are doing this, builders, etc., they are in advantageous position. Now, what is the effect of unfair terms? When we examine the terms which are unfair, then we will have to look into whether such terms go to the root of the contract and the contract needs to be declared null and void, or contract can still survive minus the unfair terms. This is to be seen by the court, keeping in view the facts on record. Whatever evidence has been brought on, recorded by the party. When we examine whether the terms are fair or unfair, for fairness of terms, falling things which are to be taken care, these are not always exhaustive, but it depends upon the evidence and the situation created by the circumstances and the evidence brought by the parties. Terms should be reasonably plain, understandable by the person who is entering into contract, which is not in a position to the extent which the builder have already drafted after consultation with the experts, lawyers, skilled persons. Consumers contract should be liable and this should be in the plain language. There should not be hidden terms in it, which are majority of the cases we find specifically in the insurance matters. There are ifs and words, exclusions, exemptions, too many such type of which ultimately go to the root of the contract, which can be declared null and void. Now we will look into the difficulty which arises generally. I am an illiterate person. I enter into a contract. The contract is in English, it is a voluminous. Contract must be in the known language known to the person. Say, I know Punjabi. I sign in Punjabi. I am a matriculate or middle pass. Then the language which I know the contract should be in that language. If contract is not in a proper, in a language unknown to the person, that can also be taken care whether contract can be declared as null and void. This is known as lack of capacity. One side has grossly unequal bargaining power in these circumstances. Sometimes the contracts are under duress, undue influence. There are many misrepresentations. Now the judgments have also come. Then they are making advertisements or they may issue brochures. When they are entering into agreement or a contract, some of the things are left out, which they are displaying while advertising. In this manner, this is treated as a misrepresentation. There are some other conditions, non-disclosure, where the true facts are not given, whether the proper CLU has been taken from the competent, all these sides are approved by the competent authority, town and country planning department. This also is one of the reasons which we can be looked into. Some of the contracts are against the public policy. Those which are against the public policy, where is a forest area, there is a bar that no project can be there, such like other type of restriction imposed by the state or the central government, they cannot also be enforced. They are against the public policy and the central principle. Sometimes there is a mistake, which is mutual, or particularly committed by one party. These are also taken care in such a way when we are determining whether terms are fair or unfair. And another impossibility. Impossibility is also one of the reasons. Suppose I have taken a plot in an area, subsequently it turns out to be flooded with the water off and on, with the very purpose of residing in that place and constructing in that space also rises. We cannot construct there. Such conditions can also be taken. Now the meaning of our fair, meaning basic reasons, causes a significant imbalance in the parties' rights and obligations. Meaning of the unfair, not reasonably necessary to protect the legitimate interest of the consumers. Thirdly, the hot transparent are the terms over all the rights and obligations of the contracting parties. I have already discussed that the reasonable, plain language, legible and clear, transparent includes terms which are hidden in fine print or they are phrased in legal, in legal, complex and technical language, fairness of a particular term must be assessed in the light of contract as a whole. We cannot look into the terms in individual capacity, in individual terms. We will have to read the contract as a whole, not only one term or two term which may result into, now the jurisdiction part I have already told, we can read section 47 to I, complaints against unfair contract where the value of goods or services paid consideration does not exceed 10 crore. This is an independent section. It is not dependent upon the first one I to entertain. These three things have been specifically mentioned. In view of this section 47, 1A to I, the complaint can straight away be filed in the state commission where the value does not exceed 10 crore. Now, we come to the, similarly under the provisions of the act, we can file a complaint before the national commission. Now, we come to the section 47, 49. It has given the power without prejudice to the provisions of subsection 1, that is filing of complaints. State commission also can declare terms of the contract which is unfair to any consumer to be null and void. If we have, then we will have to file a complaint under section 47, 1, 2I and read with section 49, subsection 2. In this way straight way complaint, straight way complaint can be filed in the state commission. Now, we will examine the terms of the contract. Terms of the contract, unfair contract, suppose I have, this is not displayed on this slide, but there is appear to be some problem in this slide, but I will read. Suppose in one of the contract I have taken these, which I have to deal with, there is a class 5 of the terms and conditions in the allotment letters, which state that a company shall presume the consent of a lottees and make any type of changes in the layout, elevation, design, alteration in open space, parking space, park, etc. If such a condition is there, what we will have to see to my mind, which I have already held in the case of Madhvi Sinha versus Gorshan, Real Tech Private Limited, a company of Nvida, that the contract is null and void. Look, when we are entering into a contract, we are expecting that in the project where we are taking a plan or a unit, it has sufficient parking places, it has sufficient open places, it has sufficient parks and vegetation. The purpose, because we are having limited space, residing in a 10-12-storey building, what will happen if we will not have these spaces and what will happen to our children, etc. In such a situation, I have come to a conclusion that open spaces are the green length, they are the green lengths. They are the green lengths and very necessary. Adelix Hexley, in one of his books, Brave New Word, which was written in 1932, has said, if a foetus gets less than 35% oxygen, then the child born becomes an idiot. It was expressed in 1932. This is the importance of oxygen. The oxygen we get from these open spaces, vegetation, trees, and otherwise also, they are recreational and a source of playing ground, etc. In these circumstances, we will have to look into all these things. If this is contained, the very purpose, the attraction for which we are getting this house and apartment and that place, it will certainly affect us mentally, physically, psychologically, and socially, and it will ultimately affect the development of the human beings, specifically the children. Furthermore, if there are no open spaces, then in case of flood or any other calamity, we will not be in a position to go anywhere. Suppose there is earthquake, something happens, there is a disaster for that reason, then we will have to come in the open spaces. If there are no open spaces, then you can imagine the situation, the casualty will be much more. Such a condition, the unilaterally changed the entire concept of the project is apparently unfair, rather grossly unfair terms, which goes to the root of the contract and contract can be declared null and void, because the class has added presumptive consent of the lotty. Such a condition is 100% comes under the definition to break to 46 as defined in the unfair terms. Now, there is another class in one of the allotment actor. These are generally in all the builder contracts, the contracts, buyers agreement. These such type of clauses are there. If there is any delay in the provisions of amenities, roads, luxuries, sea rays, water supply, and delay would not constitute a delay on the part of the company or the business house. If this class is otherwise also very harsh and unfair. All the amenities which they are, we are talking of, we are staying in a 10 story building. It is a concrete jungle, otherwise, having thousands of houses in a project. If we are not having a lexity, road, sea rays, and water supply, it will lead to many difficulties. The residing in such a situation, such a place is meaningless. How can they have old men go to 10th floor without lexity and the arrangement of lift, etc. Such a situation, if there is some problem, illness to a person in the family, how they will come from 10th floor to the ground floor and then taking to the hospital. Such are the difficulties, provisions of safe water and lexity, sea rays, sanitation are basic requirement of decent living of the people. When we are investing lakhs of rupees, we are expecting at least in adequacy of sea rays, drainage result in stagnation of water, resultant waterborne diseases and also becomes a breeding ground for mosquitoes and insects. There is a chain when the disease is separate in such a situation, if all these filters are not there, chain cannot be broken. We must break the chain from transmission of diseases. This can only be done if there is a proper water supply, proper safe, drinkable water supply and limit that the proper sanitation is there. Otherwise, in the absence of all these facilities, specifically the lexity, in multi-complex, the apartment will become a gas chamber which will adversely affect the health of the person and the allotment in such a situation cannot be accepted and such a term is unimaginable and grossly unfair. The very purpose of having a roof over the head stand forfeited. Now, we come to another trend towards the interest. They are charging interest on the delayed payment. What they do? Firstly, they take up from as many things, ED, etc. development charges. No interest is paid, but they take many years for the same. Securities are also taken, no interest is paid. If there is a delay, then when the amount is reported, that is deducted from the principal, interest is directed, then again they create a problem that the principal amount will become in multiples. The intention of the builders in such a situation is only to harass the qualities and such conditions are also unfair, but these can be modified by the courts, tribunals, commissions from time to time looking into the extent of breach of such terms. Now, there is another come. There is another refund of the cost without interest. When the situation arises that they are not in a position to complete the project or for one reason, say the lessons are cancelled by the Puda or the town and country planning department. Croats of rupees have been taken from the lattes. Ultimately, what happens? The project is abundant. They will only say that we will return the amount which they have used for 7 to 8 years without interest. That the adequate compensation is not provided. This negates the liability of the opposite party for breach of terms of the contract. Such a condition is also treated as unfair. We have also seen in some of the contracts a clause is added. If there is a delay in delivery of possession they will pay 5%, 5 rupees per square feet, 10 rupees per square feet at the rate of 5 rupees, 10, 20, whatever it is agreed per month for the super built area. But that too is not paid. Actually, no payment is made for the delayed projects. The Supreme Court in one of the judgment recently has said that in such a situation what they are spoiled to give the agreed rate per square feet of the super built area plus 6% interest on the amount after the stipulate date of possession. If the stipulate date of possession is taken care then there is no difficulty in performance of the contracts. But the question only arises when there is a delay after the stipulated date they also add some time say that the 17th of August 2020 is the date of possession. Stipulated date. They do not complete the project. Then there is another period of a quarter maybe 3 months or 6 months more which is also not for that period also nothing is paid. In this situation unnecessary situation is created and there is a lurking fear in the mind of the allotty that whether he will have a roof over his head within a reasonable time he cannot indefinitely wait for the same. In such a situation also the terms of the contract can be declared a null and void for that limited purpose. Another difficulty arises when they are entering into a contract they are not many a time having the CLU from the competent authority the land where the projected to set up is already under litigation before high court or any other court there is a state resultant delay which results resultant delay is also creating a problem then this is a concealment of the material facts non-disclosure of the correct information this can also be treated as unfair terms now we find that the completion and occupation certificates are partially issued by the authority rather I will say they are managed certificates firstly issue is when a project or a flat is to be constructed that is the first part is completion of the construction and other furnishing etc then there is a certificate that is the occupancy certificate first when you are looking into the this occupancy certificate then 40 conditions are attached when the certificate is issued can we accept such a certificate we cannot occupy a building unless the occupancy certificate is clear in all respect there is a fireplace on the court other things are also there everything is there another say there is an imbalance is there the builders, the business houses company whatever it is they impose severe penalties which are disproportionate to the breach that can also be taken into taken into care not only this without completion of the project when a structure is raised only by the builder they ask for free maintenance security fee for the club which is not in existence which is not operational such a type of conditions and demanding lump sum amount in advance are also unfair terms such things can only be when I receive a certificate of completion and occupation and I start residing only then maintenance question of payment of maintenance otherwise when I am in a position to enjoy the club for which I have paid then why we should pay the fee when the club has not come into operation such type of conditions are unfair conditions in my humble consideration and I have also decided the case recently on 2nd of March on these terms supreme court latest judgments which also refer to the unfair terms of the contract where reference has been made the unilateral terms which are advantages to the business houses are aero grace real tech private limited bus shake civil appeal 5785 decided on 11th of January 21 similar there is a another judgment and infrastructure limited versus 2019 volume 5 725 wing commander Arfur Rahman Khan versus DLF 2020 volume 3 RCR civil 5004 these are all supreme court judgments they are some of the judgments of the the national commission which are delivered only relying upon all these facts any I think this will be suffice to say regarding this any interaction with the viewers we can have for that purpose Mr. Vikas hello Mr. Vikas we are not hearing you there is a voice issue also I keep myself I keep myself muted that's the only issue we will see as to whether we now up to 10-15 minutes or 20 minutes we can interact with the viewers and participants for clarification purposes yes I think Mr. Khongar was here I will ask him Sandeep Khongar he had logged in anybody who wants to ask a question can yes Sandeep Khongar is there Sandeep Khongar Mr. Khongar you will have to unmute yourself hello am I audible now yes yes please Lasham just address with regard to this unfair contract with regard to the limitation limitation question of limitation is to be taken into consideration in the totality of facts limitation will not be taken as when the data entering into contract limitation will be only from the specifically when we said that last time there is a judgment of the supreme court now also a person is not required to pay there is a construction link project you are not infirming this this stage of the construction he had paid some sense of the value of the project is 50 lakhs he had paid 20 lakhs thereafter he got what is the progress the progress in it this is the construction issues in such a situation this is a continuous cause of action specifically when we pray for possession and ultimately seek declaration of unfair contracts this has been this issue has limitation issue has also been addressed in the Madhvi Sena v. state of Badrmi Sena and the Gorsen this decided on this is the CC number 235 of 2020 decided on 2nd for most probably 2nd of March 21 21 the second issue will be I have come across certain contracts one is relating to 80s projects they used to write that the possession shall be delivered within 48 months from the start of the construction of a particular tower or the building this is unfair contract because it specifies there is no stipulated period reasonableness is the main cause that is why we have already addressed we will look into the evidence brought by the parties but the interaction the parties have been taking why the construction is delayed they will have to justify those reasons for that we are taking into all these accounts we will have to determine whether the contract is fair or unfair whether it should be declared null and void or something else should be done we will have to look into the all the terms and conditions of the contract then determine it cannot be a strategy that we will put in computer and result will come we will have to look into the evidence no that's true my specific question will be because it is written that the period is 48 months from the date of the start of the construction naturally buyer keeping in view that condition in my opinion in such a case we think that firstly there is a possibility of development it may take 2 to 3 years 3 is the common sense and reasonable period is 3 years for development after 3 years they are supposed to start construction if there is an unnecessary delay when the period is specified you cannot wait for an indefinite period then he has the choice to come under that the contracts are unfair the declaration can be that they should be declared null and void and rescinded for that reason this is my opinion that to the judgements and the ultimate result of the apex court and subject to the evidence whatever my experience the amount of my judgements have been rarely upset by the even apex court that experience we have got yes any other question yes Mr. Gupta what do you want to say Mr. Ramani Gupta you will unmute first your your mic is closed you unmute it take the systems of your clique from office Mr. Vikas Chathrat he is raising his hand but his mic is crossed I am just doing it so this is by Prasada commercial loan was taken by a proprietary firm when the loan is prepaid can the bank charge prepayment charges the supreme court has always said if you have to firstly this is not a when they are in commercial transactions what action can be taken for unfair terms in the contract unfair terms in the contract then you can file a suit for this for declaration this is a and also claim compensation on that first Mr. Gupta we are seeing you but you will have to unmute yes now it is okay sir my query is if the possession period has not expired as per the agreement but the terms are unfair still it can be declared null and void it can be done secondly supposing I am seeking refund on the basis of the terms and conditions but the agreement as per its drafting is null and void and unfair and it is declared then only remedy that we could this commission the national commission can award it is only refund once we are holding that the contract is null and void then you cannot ask for possession only refund of the money with compensation harassment and other things thank you my lord sir there is no other question we will ask Mr. Srinidhi who adds the consumer protection teaching in the CMR college CMR University what do you Mr. Srinidhi because sir I think there is a question one of the students has posted on the chat what if the seller over charges the import goods and for that what action can be taken as a consumer why not when you are a consumer then you can always file the consumer complaint for charging excessive charging is always the efficiency in service and unfair trade practice thank you sir this is ultimately come this is service this is unfair service and the efficiency in service is covered and is unfair trade practice also sure sir thank you so much sir sir on this world consumer day the special program that has been organized in partnership with beyond law you know it is needless to say that it has been a great success it has been a wonderful session by justice Paramjit Singh Paramjit Singh Daliwal thank you so much for having shared your knowledge with us sir I am sure the immense experience that you have gained over the years the students have benefitted a great deal because this issue of unfair contract is a very important topic especially the place like Bangalore Mr. Srinidhi I will tell you I think this will be my first judgment which I have delivered on 2nd of March wonderful sir first judgment in the country maybe because specifically I have dealt with all the issues territorial jurisdiction limitation unfair terms of the contract and ultimate what compensation is required to be how do we compensate these people wonderful sir because this is a very important issue in these times especially in a city like Bangalore since most of our students are staying here in Bangalore and are practicing from Bangalore this is a very important issue there are a lot of these projects coming up in the city and this is a very frequent problem that is emerging with respect to unfair contract so I am sure that this judgment is going to be the first in a series of many such and it would spark the jurisprudence in this area Mr. one thing more I tend to read so many reports of the lag mission of India August 2006 in May 1984 lag mission report in 1999 on these there is another topic which is more important that is the standard form contracts specifically the insurance contracts it needs to be they are now I will advise to all the builders and the insurers that they should amend their contracts in concern with the consumer protection act I think the advice will be well taken and yes before we part for the day as usual the insights given to act of 2019 and Justice Dhaliwal speaking that his judgment could be the benchmark or the trendsetter in respect of the purple to understand as a lawyer or a student or as a common man as to how could be the terms of the unfair contract could be understood I think that would be a light in the dark areas where we can understand as to how the unfair contract could be understood on behalf of beyond law CLC, CMR University, Bangalore as well as we are thank you to all those participants who have been watching us live on the Facebook YouTube and on this platform thank you and on the 20th we will be having a webinar on the former judge of Canada High Court everyone stay safe, stay best and thank you to Professor Subramaniam, Professor K. R. Sivindiri and to all the students of the CMR University as well as all those participants who have been watching including our brother advocates and I quote everyone stay safe, stay best and thank you to Mr. Dharival words can fall short I want to tell one thing more to you Recently Supreme Court has said that judgment should be in the language of person who may know what is written in them I hope that within few days I will write judgment in Punjabi so that the staff state people may read the judgment instead of writing in English so we are taking you from the Supreme Court observations that they were not able to understand what is written the numerous cannot read the judgment and cannot decipher what is written there so I will try because this is a state language so I will try to deliver one at least one judgment in Punjabi during my tenure so we expect before 25th of July so everyone thank you for all the participation and boosting us thank you very much thank you very much for inviting me