Readability and Clarity of Individual Pension Product Contracts

The study analyses the readability and clarity of economic specialised texts on supplementary individual pensions. The research includes agreements on individual pension products available on the Polish market at the beginning of 2017. The level of comprehensibility of language has been assessed usi...

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Bibliographic Details
Published inInternational journal for the semiotics of law = Revue internationale de sémiotique juridique Vol. 36; no. 4; pp. 1749 - 1777
Main Authors Hadryan, Milena, Rutecka-Góra, Joanna
Format Journal Article
LanguageEnglish
Published Dordrecht Springer Netherlands 01.08.2023
Subjects
Applied Linguistics
Fundamentals of Law
Law
Law and Criminolgy
Legal History
Philosophy of Law
Theories of Law
Comprehensibility
Specialised texts
Readability
Clarity
Retirement accounts
Supplementary pension schemes
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Summary:The study analyses the readability and clarity of economic specialised texts on supplementary individual pensions. The research includes agreements on individual pension products available on the Polish market at the beginning of 2017. The level of comprehensibility of language has been assessed using the “Jasnopis” application, based, among others, on the FOG index, while the structure of the content of the agreements has been assessed by an expert linguist (the expert linguist is one of the authors of this and a number of other publications on clear and understandable texts). In addition, one of the texts was subject to a survey, the so-called cloze text, which provided more accurate information about readability for a specific reader group. The results obtained allow the conclusion that the language of agreements on individual pension products is very difficult and their understanding requires higher education or expertise in the field of finance.
ISSN:0952-8059
1572-8722
DOI:10.1007/s11196-023-09997-8