Judgment of the Court (Fourth Chamber) of 4 December 2025.#AY v Liechtensteinische Landesbank (Österreich) AG.#Request for a preliminary ruling from the Oberster Gerichtshof.#Reference for a preliminary ruling – Judicial cooperation in civil matters – Regulation (EC) No 593/2008 – Article 3(1) and (2) – Choice of the applicable law – Article 6 – Scope – Contract concluded between a professional and a consumer residing in another Member State – Activity of the professional directed to the Member State in which the consumer has his or her habitual residence after the date of conclusion of the contract containing a choice-of-law clause.#Case C-279/24.