Case C-746/24, Gryczara: Judgment of the Court (Ninth Chamber) of 27 November 2025 (request for a preliminary ruling from the Sąd Okręgowy w Warszawie – Poland) – Bank Millennium SA v PR (Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Article 6(1) and Article 7(1) – Effects of a finding that a term is unfair – Invalidity of the contract – Action brought by a seller or supplier for restitution of the loan capital paid under an agreement declared invalid – Rules on the award of costs – Different methods of calculating court costs according to the status of the applicant – Principle of effectiveness – Obligation to interpret national law in conformity with EU law)