(1) Regulation 4 applies only if the use is as a means for the consumer to make payments for the purposes of a contract with the trader, and only to the extent that that contract -

(a) is a sales or service contract, or a contract (other than a sales or service contract) for the supply of water, gas, electricity, district heating or digital content, and

(b) is not an excluded contract.

(2) An excluded contract is a contract -

(a) for social services, including social housing, childcare and support of families and persons permanently or temporarily in need, including long-term care;

(b) for health services provided, whether or not via healthcare facilities, by health professionals to patients to assess, maintain or restore their state of health, including the prescription, dispensation and provision of medicinal products and medical devices (and "health professionals" has the meaning given by Article 3(f) of Directive 2011/24/EU of the European Parliament and of the Council on the application of patients' rights in cross-border healthcare as it had effect immediately before IP completion day) [OJ L 88, 4.4.2011, p. 45.];

(c) for gambling within the meaning of the Gambling Act 2005 [2005 c.19.] (which includes gaming, betting and participating in a lottery);