Judgment_paragraph 67 · Profi Credit Polska S.A. and Others v QJ and Others (C-84/19, C-222/19, C-252/19)

67As regards, in the first place, the concept of the ‘main subject matter of the contract’, within the meaning of Article 4(2) of Directive 93/13, the Court has previously stated that that concept seeks only to establish the detailed rules and the scope of the substantive review of contractual terms which have not been individually negotiated and which describe the essential obligations of contracts concluded between a seller or supplier and a consumer and which characterise those contracts. By contrast, terms ancillary to those that define the very essence of the contractual relationship cannot fall within that concept (see, to that effect, judgment of 3 October 2019, Kiss and CIB Bank, C‑621/17, EU:C:2019:820, paragraph 32).