1.免责条款的概念：
MIANZETIAOKUAN，JIUSHIDANGSHIRENYIXIEYIPAICHUHUOXIANZHIQIWEILAIZERENDEHETONGTIAOKUAN。QIYI，MIANZETIAOKUANSHIHETONGDEZUCHENGBUFEN，SHIYIZHONGHETONGTIAOKUAN；QIER，MIANZETIAOKUANDETICHUBIXUSHIMINGSHIDE，BUYUNXUYIMOSHIFANGSHIZUOCHU，YEBUYUNXUFAGUANTUIDINGMIANZETIAOKUANDECUNZAI。
2.免责条款的有效与无效
（1）JIYUXIANXINGFADEGUIDINGQUEDINGMIANZETIAOKUANDEYOUXIAOHUOZHEWUXIAO。MIANZETIAOKUANYIYISIBIAOSHIWEIYAOSU，YIPAICHUHUOXIANZHIDANGSHIRENDEWEILAIZERENWEIMUDE，YINERSHUYUYIZHONGMINSHIXINGWEI，YINGSHOU《HETONGFA》DI52TIAO、DI53TIAO、DI54TIAO、DI47TIAO、DI48TIAO、DI51TIAOHEDI40TIAODEGUIDINGDIAOZHENG 。
（2）JIYUFENGXIANFENPEILILUNQUEDINGMIANZETIAOKUANDEYOUXIAOHUOZHEWUXIAO
（3）GENJUGUOCUOCHENGDUQUEDINGMIANZETIAOKUANDEYOUXIAOHUOZHEWUXIAO，《HETONGFA》DI40TIAO、DI53TIAO。
（4）GENJUWEIYUEDEQINGZHONGQUEDINGMIANZETIAOKUANDEYOUXIAOHUOZHEWUXIAO ，WOGUOMEIYOUCAIYONG。