CELEX:62021CJ0208: Judgment of the Court (Ninth Chamber) of 2 February 2023.#K.D. v Towarzystwo Ubezpieczeń Ż S.A.#Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Article 5 – Obligation to draft contractual clauses in plain intelligible language – Directive 2005/29/EC – Unfair business-to-consumer commercial practices – Article 3 – Scope – Article 7 – Misleading omission – Article 13 – Penalties – ‘Unit-linked’ life assurance contracts linked to investment funds – Information on the nature and structure of the assurance product and the risks associated with that product – Misleading standard contracts – Entity that is responsible – Legal consequences.#Case C-208/21.