Case C-208/21, Towarzystwo Ubezpieczeń Ż (Misleading standard assurance contracts): Judgment of the Court (Ninth Chamber) of 2 February 2023 (request for a preliminary ruling from the Sąd Rejonowy dla Warszawy-Woli w Warszawie — Poland) — 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)