Judgment of the Court (Ninth Chamber) of 2 July 2026.#Bank BPH S.A. and Raiffeisen Bank International AG v AS and Others.#References for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Article 6(1) and Article 7(1) – Unfair terms in consumer contracts – Effects of a term being found to be unfair – Contract found to be null and void – Action for restitution brought by the seller or supplier – Limitation period for the seller or supplier’s action – Point from which time runs – Principle of equivalence – Principle of effectiveness – Principle of legal certainty – Principle of proportionality – Right to effective legal protection – Unjust enrichment.#Joined Cases C-261/25 and C-262/25.