Where the parties have chosen the law of a State which is not a member of the European Union to govern the contract, the court before which that law is invoked is obliged to set aside its application in favour of the more protective provisions of the law of the consumer’s habitual residence ensuring the transposition of Directive 2002/65/EC of the European Parliament and of the Council of 23 September 2002, as amended, concerning the distance marketing of consumer financial services, and amending Council Directives 90/619/EEC, 97/7/EC and 98/27/EC, where the contract has a close link with the territory of one or more Member States of the European Union.