Case C-500/18: Judgment of the Court (Fourth Chamber) of 2 April 2020 (request for a preliminary ruling from the Tribunalul Specializat Cluj — Romania) — AU v Reliantco Investments LTD, Reliantco Investments LTD Limassol Sucursala Bucureşti (Reference for a preliminary ruling — Freedom of establishment — Freedom to provide services — Markets in financial instruments — Directive 2004/39/EC — Meanings of ‘retail client’ and ‘consumer’ — Conditions for relying on the status of consumer — Determining jurisdiction to hear the request)