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问题	格式免责条款无效的情形
释义	法律分析：免责条款无效的情形：1、造成对方人身损害的2、因故意或者重大过失造成对方财产损失的。法律依据：《中华人民共和国民法典》第五百零六条合同中的下列免责条款无效：（一）造成对方人身损害的；（二）因故意或者重大过失造成对方财产损失的。
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