Terms of Service

1. Publisher

The Service is published by Clairly, a SAS with share capital of 100 euros, Lyon RCS 952 573 053, registered office 11 rue Émile Zola, 69002 Lyon.

2. Definitions

• Service: the clairly.co website and the Clairly application.
• Clairly Report: the structured, shareable view of a tenant’s rental payment reliability, built from source-labelled information.
• Clairly Signal: the summary indicator of payment reliability presented within the Clairly Report.
• Tenant: a natural person who uses the Service to build or share a rental payment history.
• Recipient: a landlord or agency that a tenant has authorised to access a Clairly Report.
• Boost: the optional import of past rent payments through a bank connection.
• Connection: an automated match between a tenancy and incoming rent on a connected bank account.
• AISP: an account information service provider authorised under the European PSD2 directive.

3. Contractual documents

Use of the Service is governed by these terms. Paid services sold to consumers are additionally governed by the Terms of Sale. Personal data processing is described in the Privacy Policy and the Cookie Policy.

In the event of a conflict: a separately negotiated written agreement (for agencies and networks) prevails over these terms for the services it covers; the Terms of Sale prevail over these terms for paid services; these terms prevail over any other information published on the site.

4. Description of the Service

Clairly is a rental trust and payment-reliability platform. Tenants build a structured rent payment history, enrich it through an optional bank connection (Boost, rent verification), and share a Clairly Report in a controlled, revocable way. Landlords and agencies view reports shared with them, declare rent payments, and, where applicable, monitor incoming rent on their own connected bank account.

The Clairly Signal is a summary indicator of payment reliability, presented within the Clairly Report, based on source-labelled information with per-entry verification levels.

5. What Clairly is not

The Service does not constitute and must not be used as a guarantee, an insurance product, a replacement for the rental dossier, a legal authority or public-sector decision tool, a blacklist, a surveillance or debt-collection product, or an official financial rating. Nothing in these terms gives the Clairly Signal the force of a judgment, a guarantee, or a public-authority decision.

6. Regulatory status

Clairly is not a bank, a credit institution, a payment services provider, an electronic money institution, or a credit rating agency. Clairly does not hold client funds, does not execute or initiate payments, and does not provide investment, credit, or insurance services.

Bank connections are performed by Powens (Powens SAS, SIREN 749 867 206, registered office 84 rue Beaubourg, 75003 Paris), a payment institution authorised to provide account information services (AISP) and supervised by the Autorité de contrôle prudentiel et de résolution (ACPR) under CIB 16948. Clairly accesses account information solely through this authorised provider and never receives or stores your bank login credentials.

7. Accounts

• Account creation requires accurate, up-to-date information. Authentication is operated by our provider Clerk.
• The Service is for adults (18+) with legal capacity.
• An agency/professional account corresponds to one login. A network or franchise has a login that can create as many agency/professional accounts as needed; these sub-accounts are treated as distinct individual accounts. Support for multiple logins per person within one agency is planned for later.
• To prevent abuse — in particular deleting and recreating an account to erase a payment history — Clairly keeps, after account closure, a pseudonymised marker (e.g. a hash of the email address), as described in the Privacy Policy.
• Clairly may suspend or terminate an account in case of fraud, identity misrepresentation, circumvention of visibility rules, misuse of the Service, or serious breach of these terms.

8. Tenant report sharing

• Every share of a Clairly Report is a deliberate tenant action — never public, never automatic.
• Share links are token-based, recipient-specific where possible, and expire after 30 days unless re-authorised.
• The tenant can revoke access at any time. Revocation removes the report from the recipient’s dashboard and blocks future access through Clairly; it cannot take back what the recipient has already viewed or captured elsewhere.

9. Landlord and agency obligations

A report recipient undertakes to:

• use the report only to evaluate a rental application or rental relationship that concerns them;
• not base a letting decision on the Clairly Signal alone, and to consider other supporting materials (employment situation, income, guarantor, complete dossier);
• not use the Service for credit scoring, unrelated profiling, spending analysis, or marketing reuse;
• not redistribute, resell, publish, or retain the report beyond the authorised access;
• declare payments in good faith and respond to disputes within the flow’s deadlines;
• for landlord-side bank monitoring: connect only their own account, and invite the tenant whenever the property is occupied and monitoring is active.

10. Bank connection (open banking)

• Connections run through Powens, the authorised AISP described in section 6, after a separate Clairly consent, and are governed by the Privacy Policy.
• Boost can import up to 36 months of eligible rent history.
• Bank consent must be renewed every 180 days (PSD2); non-renewal pauses synchronisation without penalty.
• Consent can be withdrawn at any time and stops the relevant open banking processing.

11. Beta features

Clairly may offer certain features in test or beta form, identified as such in the interface. Beta features are previews: they may evolve, be suspended, or be withdrawn at any time without notice, and carry no availability or performance commitment. Personal data processed by a beta feature remains protected by the Privacy Policy. A beta feature must not be used as the basis for a letting decision.

12. Disputes and corrections

• The tenant can challenge an inaccurate payment record within 90 days through the platform, with supporting evidence. After that window, a dispute can still be raised through customer support, within the records’ retention period (10 years).
• The recipient (landlord/agency) accepts or rejects; the tenant can resubmit.
• If unresolved, the dispute escalates to Clairly for a final internal evidence-based review. That review is not a legal judgment, a public-authority decision, a guarantee, or a debt-collection action.
• Disputed items remain clearly flagged until resolved, and a disputed item is not counted in the Clairly Signal while the dispute is open. Every dispute resolves to a definite outcome: Amended (the record is corrected) or Confirmed (the record stands).

13. Prohibited uses

It is prohibited to provide false information or impersonate another person; attempt to access data beyond the authorised shared view or circumvent access controls, tokens, or expirations; scrape, automate access to, or build databases from the Service; use the Service to harass, unlawfully discriminate, or cause harm; or reverse-engineer the Service except where mandatory law allows.

14. Intellectual property and dispute evidence

The Service, its structure, trademarks, texts, and software are protected. Users retain rights over the evidence they submit in a dispute and grant Clairly a limited, non-exclusive, royalty-free licence to store that evidence, present it to the party concerned by the dispute and to Clairly’s internal reviewer, and process it solely for resolving the dispute and the associated audit obligations, for the applicable retention period. This licence grants no right to exploit the evidence for any other purpose.

15. Aggregated and anonymised statistics

Clairly may produce statistics that are aggregated or anonymised in such a way that no person, tenancy, account, or property can be identified, and use them to operate, secure, and improve the Service and to publish general insights about rental payment reliability. These statistics never disclose an identifiable payment history, Clairly Report, or Clairly Signal.

16. Liability

• The Clairly Report reflects available, source-labelled information; Clairly guarantees neither the completeness of the history nor the outcome of any application or tenancy.
• The decision to rent rests exclusively with the landlord or agency.
• Clairly strives to keep the Service available without guaranteeing absolute continuity; maintenance may cause temporary interruptions.
• Nothing in these terms excludes or limits Clairly’s liability for wilful misconduct, gross negligence, or personal injury, or affects mandatory consumer rights.

17. Force majeure

Neither party is liable for a failure to perform caused by an event of force majeure within the meaning of Article 1218 of the French Civil Code. The affected obligations are suspended for the duration of the event. If the event lasts more than 60 days, either party may terminate the affected services without penalty; any period already paid and not performed is refunded pro rata.

18. No legal or financial advice

The Service, the Clairly Report, and the Clairly Signal are informational tools. Nothing in the Service constitutes legal, tax, accounting, financial, or investment advice, and the Service does not replace the recipient’s own assessment of a rental application or the advice of a qualified professional.

19. Personal data

Personal data processing is described in the Privacy Policy and the Cookie Policy.

20. Changes to these terms

Clairly may amend these terms. Any material change will be notified at least 30 days before its effective date. Continued use after the effective date constitutes acceptance; otherwise, the user may close their account.

21. Termination and data retrieval

Users can close their account at any time. Before or after closure, the tenant may obtain a copy of the data they provided, in a structured, commonly used, machine readable format, under the right to data portability described in the Privacy Policy (request via the account or privacy@clairly.co). The effects of closure on data (deletion, restricted archive, pseudonymised marker, legal retention) are described in the Privacy Policy.

22. Governing law and disputes

These terms are governed by French law. Parties will seek an amicable resolution first. Consumers may refer an unresolved dispute free of charge to the consumer mediator CM2C (14 rue Saint-Jean, 75017 Paris — www.cm2c.net) or the EU online dispute resolution platform. Competent courts are determined under applicable rules, including consumer-protective ones.

23. Contact

privacy@clairly.co — Clairly, 11 rue Émile Zola, 69002 Lyon. See also the Legal Notice.