{"id":1497,"date":"2026-09-18T11:07:27","date_gmt":"2026-09-18T16:07:27","guid":{"rendered":"https:\/\/blog.mgvlex.com\/?p=1497"},"modified":"2026-09-18T11:19:35","modified_gmt":"2026-09-18T16:19:35","slug":"clausulas-abusivas-en-contratos-de-consumo-como-identificarlas-y-evitarlas","status":"publish","type":"post","link":"https:\/\/blog.mgvlex.com\/?p=1497","title":{"rendered":"Cl\u00e1usulas Abusivas en Contratos de Consumo: C\u00f3mo Identificarlas y Evitarlas"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1497\" class=\"elementor elementor-1497\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ea3df2b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ea3df2b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-92159f0\" data-id=\"92159f0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-414cc4b elementor-widget elementor-widget-image\" data-id=\"414cc4b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 25-10-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"427\" src=\"https:\/\/blog.mgvlex.com\/wp-content\/uploads\/2026\/09\/Contrato-1024x683.png\" class=\"attachment-large size-large wp-image-1499\" alt=\"\" srcset=\"https:\/\/blog.mgvlex.com\/wp-content\/uploads\/2026\/09\/Contrato-1024x683.png 1024w, https:\/\/blog.mgvlex.com\/wp-content\/uploads\/2026\/09\/Contrato-300x200.png 300w, https:\/\/blog.mgvlex.com\/wp-content\/uploads\/2026\/09\/Contrato-768x512.png 768w, https:\/\/blog.mgvlex.com\/wp-content\/uploads\/2026\/09\/Contrato.png 1536w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c6e5f74 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c6e5f74\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70ee75a\" data-id=\"70ee75a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee3df4c elementor-widget elementor-widget-text-editor\" data-id=\"ee3df4c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 25-10-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p class=\"MsoNormal\" style=\"text-align: justify; line-height: 115%;\"><span style=\"font-size: 10pt; line-height: 115%; color: #000000;\">Resulta cada vez m\u00e1s frecuente que los usuarios se sientan afectados luego de realizar la adquisici\u00f3n de un producto o servicio. Especialmente cuando este proviene de un contrato en el que no tuvieron la oportunidad de participar, como son los contratos por adhesi\u00f3n.<\/span><\/p><p class=\"MsoNormal\" style=\"text-align: justify; line-height: 115%;\"><span style=\"font-size: 10pt; line-height: 115%; color: #000000;\">Las cl\u00e1usulas abusivas suelen ser parte de los contratos por adhesi\u00f3n; un tipo de contrato cuyas cl\u00e1usulas viene estandarizadas e impuestas por el proveedor.<\/span><\/p><p class=\"MsoNormal\" style=\"text-align: justify; line-height: 115%;\"><span style=\"font-size: 10pt; line-height: 115%; color: #000000;\">Podemos encontrar cl\u00e1usulas abusivas en servicios digitales (marketplaces, plataformas de streaming, etc.), servicios de telecomunicaci\u00f3n (contrataci\u00f3n de l\u00edneas m\u00f3viles, fijas o de internet) e incluso en servicios bancarios y financieros (contratos de pr\u00e9stamo, contratos de tarjeta de cr\u00e9dito, entre otros).<\/span><\/p><p class=\"MsoNormal\" style=\"text-align: justify; line-height: 115%;\"><span style=\"font-size: 10pt; line-height: 115%; color: #000000;\">La mejor forma de identificarlas en pregunt\u00e1ndonos si tuvimos participaci\u00f3n u oportunidad para negociarlas o manifestar nuestra opini\u00f3n en contrario. Luego de ello, es preciso identificar la afectaci\u00f3n que ello nos genera, ya que suele acentuar los desequilibrios injustificados en perjuicio del consumidor.<\/span><\/p><p class=\"MsoNormal\" style=\"text-align: justify; line-height: 115%;\"><span style=\"font-size: 10pt; line-height: 115%; color: #000000;\">Cuando identificamos estos elementos y a\u00fan no hemos adquirido el producto o servicio, lo recomendable es calibrar los riesgos que estamos dispuestos a asumir. Si estamos en un punto en el que ya aceptamos estas cl\u00e1usulas, hay soluciones, puesto que son denunciables ante el INDECOPI o la entidad reguladora correspondiente.<\/span><\/p><p class=\"MsoNormal\" style=\"text-align: justify; line-height: 115%;\"><span style=\"font-size: 10pt; line-height: 115%; color: #000000;\">Una vez revisado nuestro caso, la autoridad competente evaluar\u00e1 y determinar\u00e1 si la cl\u00e1usula denunciada es abusiva. De ser satisfactoria la decisi\u00f3n a favor del consumidor, se declarar\u00e1 a dicha cl\u00e1usula como inaplicable.<\/span><\/p><p class=\"MsoNormal\" style=\"text-align: justify; line-height: 115%;\"><span style=\"font-size: 10pt; line-height: 115%; color: #000000;\">\u00bfYa sab\u00edas c\u00f3mo identificar las cl\u00e1usulas abusivas o has sido v\u00edctima de ellas?\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f3b4125 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f3b4125\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-20076b8\" data-id=\"20076b8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-14905ca elementor-widget elementor-widget-text-editor\" data-id=\"14905ca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p dir=\"ltr\" style=\"margin: 0pt 0px; line-height: 1.38; text-align: right;\"><span style=\"color: #000000; font-family: Montserrat, sans-serif;\"><span style=\"font-size: 13.3333px; white-space-collapse: preserve;\"><b>Mg. Pilar Ram\u00edrez Chiroque<\/b><\/span><\/span><\/p><p dir=\"ltr\" style=\"margin: 0pt 0px; line-height: 1.38; text-align: right;\"><span style=\"font-size: 10pt; font-family: Montserrat, sans-serif; color: #000000; background-color: transparent; font-variant: normal; vertical-align: baseline; white-space: pre-wrap;\">Directora de Sede Piura<\/span><\/p><p dir=\"ltr\" style=\"margin: 0pt 0px; line-height: 1.38; text-align: right;\"><span style=\"font-size: 10pt; font-family: Montserrat, sans-serif; color: #000000; background-color: transparent; font-variant: normal; vertical-align: baseline; white-space: pre-wrap;\">\u00a0\u00a0\u00a0pramirez@mgvlex.com<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Resulta cada vez m\u00e1s frecuente que los usuarios se sientan<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[953,952,954,329],"tags":[967,962,961,957,959,956,955,958,344,964,965,963,772,968,960],"class_list":["post-1497","post","type-post","status-publish","format-standard","hentry","category-clausulas-abusivas","category-contratos-de-consumo","category-contratos-por-adhesion","category-proteccion-al-consumidor","tag-asesoria-legal-proteccion-al-consumidor","tag-clausulas-abusivas-en-contratos-de-consumo","tag-codigo-de-proteccion-y-defensa-del-consumidor","tag-como-identificar-clausulas-abusivas","tag-contingencias-legales-empresariales","tag-contrato-de-adhesion-peru","tag-contratos-de-consumo-peru","tag-cumplimiento-normativo-empresarial","tag-defensa-del-consumidor","tag-denuncia-ante-indecopi","tag-derecho-del-consumidor-peru","tag-derechos-del-consumidor-frente-a-clausulas-abusivas","tag-indecopi-proteccion-al-consumidor","tag-obligaciones-de-proveedores","tag-proteccion-al-consumidor-peru"],"_links":{"self":[{"href":"https:\/\/blog.mgvlex.com\/index.php?rest_route=\/wp\/v2\/posts\/1497","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.mgvlex.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.mgvlex.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.mgvlex.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.mgvlex.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1497"}],"version-history":[{"count":7,"href":"https:\/\/blog.mgvlex.com\/index.php?rest_route=\/wp\/v2\/posts\/1497\/revisions"}],"predecessor-version":[{"id":1505,"href":"https:\/\/blog.mgvlex.com\/index.php?rest_route=\/wp\/v2\/posts\/1497\/revisions\/1505"}],"wp:attachment":[{"href":"https:\/\/blog.mgvlex.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1497"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.mgvlex.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1497"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.mgvlex.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1497"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}