Trust should be more than a feeling.
Full transparency on how Clairly verifies, uses, and protects rent payment information for tenants, landlords, and agencies. No grey areas.
What Clairly verifies and what it does not.
Clairly builds a structured payment history record. It shows rent payment chronology, source labels, and access controls so tenants and recipients can understand the information available.
What Clairly does
- Records whether rent was paid, paid late, or unpaid, month by month
- Labels each entry with how it was verified
- Summarises payment history with context attached
- Lets the tenant own, control, and share the record
- Keeps a dated, structured history that travels between tenancies
What Clairly does not do
- Make, recommend, or rank any rental decision
- Approve or reject applicants
- Determine eligibility for housing
- Act as a financial rating or guarantee
- Function as a blacklist or a shared landlord file
- Analyse income, employment, or spending unrelated to rent
- Expose data publicly or share it without the tenant's action
Clairly provides structured payment history and reliability information. It does not approve applicants, reject applicants, determine housing eligibility, rank tenants, or make rental decisions. Housing decisions remain with landlords, agencies, and the people reviewing applications.
People are more than a salary, a guarantor, or a single document. Clairly adds payment history context and visibility. It does not replace professional judgment, dossier review, conversation, or individual review.
Why the information is easier to verify.
A Clairly Report is built from structured records. Each entry keeps its date, payment status, and source label, so the reader can see where the information comes from.
- Each payment entry is recorded with a date, an outcome status, and a source
- Source labels show how each record was created
- Disputed entries are clearly flagged and never counted as settled while unresolved
- History length appears with the report summary so context stays attached
A PDF or screenshot can become outdated, falsified, or manipulated very easily. It can also lose context once it is separated from its source. A Clairly Report keeps each entry's date, status, and source label, is viewed through controlled access, and reflects the information available at the time of viewing rather than a static file that can be altered after it is sent. Clairly does not claim perfect or guaranteed accuracy, but the information is far harder to manipulate than loose documents.
Source labels
| Source label | What it means |
|---|---|
| Bank verified | The payment was identified directly in bank statements through a regulated open banking connection. |
| Landlord declared | The landlord confirmed the payment status. The tenant is notified of every declaration and can dispute it. |
Summary in context
The report summary reflects payment history and always shows its band and history length. It is a reference point, not a conclusion.
Chronology stays visible
Longer histories provide more context. Short histories are clearly labelled so they are not read as complete records.
No unrelated inputs
The report never uses income, employment, or spending unrelated to rent.
Dispute rights
Entries under review are held out of the report summary until resolved. Every dispute ends with a clear answer: the record is corrected, or it stands.
How disputes are handled
- 1The tenant challenges the entryThe tenant raises it from their account, says what is wrong, and shows what they have.
- 2The landlord or agency answersWhoever recorded it either corrects it or says their record stands. While the dispute is open the entry is held out of the report summary.
- 3The tenant can add moreIf the record stands, the tenant can send more information and the landlord or agency looks again.
- 4Clairly decides, if it comes to thatOnly when the two of them cannot settle it does Clairly review both sides. The record is corrected, or it stands. There is no middle answer.
A report with three months contains limited history. A report with 24 months gives more context. The report summary should be read together with source labels, dispute status, and history length, never as a decision by itself.
The tenant controls who sees the report.
A Clairly Report is never public and never shared automatically. Sharing is always a deliberate tenant action, and access can be withdrawn at any time.
Deliberate sharing
The tenant generates a share link. A landlord can request access, but it only works once the tenant authorises it.
Recipient specific links
Share links use tokens and are tied to the recipient where possible. They are not open links anyone can forward.
Access expires
Shared access expires after 30 days unless the tenant authorises it again.
Revocable anytime
Revocation removes the report from the recipient's dashboard and blocks future views through Clairly.
What a recipient can see
What a recipient can see
- Payment outcome per month (paid, paid late, unpaid, pending)
- The payment history summary
- How many months of history are recorded
- The verification label for each entry
- Disputed or under review flags where relevant
What a recipient can never see
- Bank account details, IBAN, or balances
- Transactions or spending unrelated to rent
- Tenancies or history the tenant hasn't shared
- Income, employment, or dossier documents
When the tenant withdraws access, the report disappears from the recipient's dashboard and the share link stops working. The one thing no service can undo is what someone already saw or saved before access was revoked, so it is best to share only with people the tenant intends to.
What we collect, what we keep, what we delete.
Clairly keeps only the minimum needed to build the report. Whether rent is recorded from the tenant's side or the landlord's side, raw bank data is read once to identify rent, then permanently deleted.
Data minimisation
Only information related to rent is processed. Unrelated transactions are never analysed or stored.
Credentials never reach Clairly
Bank authentication happens inside a regulated provider's secure flow. Clairly never sees your login or password.
Raw data deleted at the source
Once a rent payment is converted into a structured entry, the raw transaction and file data is permanently deleted.
EU processing
Personal data is processed within the EU, under the GDPR.
How a tenant's bank payment becomes a record
- 1Connection initiated by the tenantThe tenant authorises a regulated open banking provider to access their account through PSD2. Clairly never sees their credentials.
- 2Rent transfers identifiedOnly transactions matching a rent payment (amount, regularity, recipient) are relevant. Unrelated transactions are not passed on.
- 3Structured data only is transmittedClairly receives the date, amount, and status. No raw labels, no balance, no other transactions.
- 4Raw data permanently deletedThe structured entry is stored with a “Bank verified” label; the original raw file is deleted immediately and permanently.
- 5The report updatesThe entry appears in the tenant's report. The tenant decides whether to share it, and with whom.
How a landlord or agency records a payment
- 1The tenancy is set upThe landlord or agency enters the expected rent and tenancy details. A tenant's email is used only to invite and notify them, never to build a separate profile.
- 2Declared by hand, or matched by bankThey can mark each month's status manually (labelled “Landlord declared”), or connect their own rent account through the same regulated provider. Clairly never sees their credentials either.
- 3Rent is matched, nothing elseWhen an account is connected, Clairly only matches incoming transfers against the declared rent. Other transactions on the landlord's account are never analysed or stored.
- 4The tenant stays in controlBefore any matched history attaches to a tenant's record, the tenant chooses how it applies: accept the history, start fresh, or keep it for monitoring only.
- 5Both sides see the same recordDeclared entries are flagged to the tenant, who can dispute them. Only the structured entry is kept; the raw matching data is deleted once the record is created.
Clairly processes a rent payment only for as long as it takes to identify it, confirm the timing, and build the record. Once that is done, the original transaction information is removed, not kept as a permanent copy. What remains is the structured entry needed for your payment history and verification, so Clairly holds far less of your financial information than most people assume.
What we never use
- Income, salary, or type of employment contract
- Bank balance or savings
- Spending other than rent (even if it appears in the bank statement)
- Age, nationality, origin, or family situation
- Location of the rented property
- Subjective landlord comments about the tenant
- Information from the rental dossier (supporting documents, payslips, tax notices)
Your GDPR rights
Access
Request a full copy of the data Clairly holds about you.
Rectification
Correct information that is inaccurate, through the built in dispute mechanism.
Erasure
Request deletion of your data, subject to lawful retention requirements.
Portability
Export your report and payment history in a reusable format.
Objection
Object to or restrict certain processing in defined circumstances.
Withdraw consent
Revoke a bank connection or a share at any time, with immediate effect.
It is not sold, not shared with advertisers, not cross referenced with other services, and not transmitted without your explicit consent. We respond to rights requests within one month, as required by the GDPR.
How your data is protected.
Clairly applies layered security across storage, access, and operations.
Regulatory framework
GDPR
Personal data is processed under European data protection law, with rights to access, correction, erasure, portability, objection, and consent withdrawal.
PSD2 bank access
Bank connections run through a regulated provider using strong authentication. Clairly never receives bank login details.
No automated rental decision
Clairly does not approve, reject, rank, or determine housing eligibility. People reviewing the dossier remain responsible for the final review.
Processor agreements
Every provider that handles personal data is bound by an Article 28 data processing agreement.
Encryption
Data is encrypted in transit (TLS), and sensitive data is encrypted at rest.
EU infrastructure
Data is hosted on managed cloud providers deployed on European infrastructure.
Least privilege access
Internal access is limited to what each role needs; sensitive operations are restricted.
Processor agreements
Every provider that handles personal data is bound by an Article 28 data processing agreement.
Monitoring & audit
Access and key actions are recorded so activity can be reviewed and anomalies investigated.
- Row level access controls on stored data
- Internal access logged and limited to dispute resolution or authorised support
- Bank connections secured with PSD2 strong authentication and eIDAS certificates
If something goes wrong
- 1Detection & containmentWe investigate and contain the issue as quickly as possible.
- 2Impact reviewWe review which data is affected and the level of concern for individuals.
- 3NotificationWhere legally required, we notify the CNIL within 72 hours and affected users.
- 4RemediationWe fix the root cause and document the response.
Found a security issue? Tell us. Add “Security” to your subject line and we'll prioritise it.
security@clairly.coWhy payment history is easier to understand when it is structured.
A rental dossier shows information at a single moment. Payment history is chronological, so it is easier to understand when dates, sources, and status stay together.
Tenants and housing professionals increasingly need chronology, transparency, evidence, and earlier visibility. Structured records can reduce ambiguity and support more informed conversations, without replacing the judgment of the people involved.
Without structured visibility:
- Tenants may struggle to show payment history in context
- Landlords may rely on static documents that lose source context
- Payment history is lost every time a tenancy ends
- Conversations can rely too heavily on incomplete documents
With Clairly:
- Tenants build a record they own and reuse
- Recipients read payment history from structured, sourced information
- History carries forward from one tenancy to the next
- The final review stays with people. Clairly just makes the facts clear
That is the whole point: clearer facts, controlled by the tenant, interpreted by the landlord.
Back to topCommon questions.
Still have a question about your data or your rights? Email us at privacy@clairly.co
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