Which of the following defines a Contract of Adhesion?

A Contract of Adhesion is best defined as a non-negotiable standard form contract. This type of agreement is typically drafted by one party (usually the one with greater bargaining power, such as an insurance company or a landlord) and is presented to the other party on a "take it or leave it" basis. The party signing the contract generally does not have the opportunity to negotiate the terms, leading to a scenario where they must accept the contract as is.

This concept is crucial in understanding various legal contexts and consumer protections, as these contracts can sometimes put the signing party at a disadvantage due to the lack of negotiation.

In contrast, a contract with negotiated terms implies that both parties have had the chance to discuss and agree upon terms, which is not the case with a contract of adhesion. Optional stipulations suggest flexibility and choices that are also not characteristic of these contracts. Finally, the notion that a contract is generally oral does not fit the definition, as Contracts of Adhesion are often written to ensure clarity and legal standing.