42The concept of ‘harmful event’ within the meaning of Article 5(3) of the Brussels Convention is broad in scope (Case 21/76 Bier (‘Mines de Potasse d'Alsace’) [1976] ECR 1735, paragraph 18) so that, with regard to consumer protection, it covers not only situations where an individual has personally sustained damage but also, in particular, the undermining of legal stability by the use of unfair terms which it is the task of associations such as the VKI to prevent.
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