Judgment of the Court (Ninth Chamber) of 16 April 2026.#Powszechna Kasa Oszczędności Bank Polski S.A. v MS et MS.#Request for a preliminary ruling from the Sąd Okręgowy w Warszawie.#Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Article 7(1) – Unfair terms in consumer contracts – Effects of a term being found to be unfair – Invalidity of the loan agreement – Actions for restitution – Limitation period for the action brought by the seller or supplier – Circumstances that may justify disregarding the expiry of the limitation period – Principle of effectiveness – Principle of legal certainty – Principle of proportionality – Right of access to a court – Unjust enrichment.#Case C-753/24.