Opinion of Advocate General Pitruzzella delivered on 15 December 2022.#I.S. and K.S. v YYY. S.A.#Request for a preliminary ruling from the Sąd Rejonowy dla Warszawy-Woli w Warszawie.#Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Dual-purpose contract – Article 2(b) – Concept of ‘consumer’ – Criteria.#Case C-570/21.