55Under Articles 1(1) and 3(1) of Directive 93/13, that directive applies to the terms incorporated in contracts concluded between a seller or supplier and a consumer which have not been individually negotiated (judgments of 7 November 2019, Profi Credit Polska, C‑419/18 and C‑483/18, EU:C:2019:930, paragraph 51 and the case-law cited, and of 10 September 2020, A (Subletting of social housing), C‑738/19, EU:C:2020:687, paragraph 34).
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