19In that connection, it must be observed that Directive 93/13 applies, as is clear from Article 1(1) and Article 3(1), to the terms of ‘a contract concluded between a seller or supplier and a consumer which have not been individually negotiated’ (see, to that effect, judgment in Constructora Principado, C‑226/12, EU:C:2014:10, paragraph 18).
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