39As regards, in the second place, the time at which that information must be brought to the consumer’s attention, the Court has held that providing information, before concluding such a contract, on the terms of the contract and the consequences of concluding it is of fundamental importance for a consumer. It is on the basis of that information in particular that the consumer decides whether he or she wishes to be bound by the terms drawn up in advance by the seller or supplier (judgment of 9 July 2020, Ibercaja Banco, C‑452/18, EU:C:2020:536, paragraph 47 and the case-law cited).
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