Joined Cases C-143/20 and C-213/20: Judgment of the Court (Third Chamber) of 24 February 2022 (Request for a preliminary ruling from the Sąd Rejonowy dla Warszawy-Woli w Warszawie — Poland) — A v O (C-143/20), G. W., E. S. v A. Towarzystwo Ubezpieczeń Życie S.A. (C-213/20) (Reference for a preliminary ruling — Freedom to provide services — Direct life assurance — ‘Unit-linked’ open-ended group endowment and life assurance contracts — Directive 2002/83/EC — Article 36 — Directive 2002/92/EC — Article 12(3) — Pre-contractual information disclosure — Information as to the nature of the underlying assets of ‘unit-linked’ assurance contracts — Field of application — Scope — Directive 2005/29/EC — Article 7 — Unfair commercial practices — Misleading omission)