Terms & Conditions

Current version, valid since November 24, 2025.

This English translation of the general terms and conditions is provided for convenience and for better understanding only.
In the event of any inconsistency or conflict between this English translation and the original German version, the German version shall prevail and shall be the legally binding version.
Only the German general terms and conditions (“Allgemeine Geschäftsbedingungen”) are legally authoritative.

1. GENERAL

1.1. rentcard GmbH is a limited liability company with its registered office in Munich, Germany, and is registered with the Munich Local Court under HRB 283986 (“rentcard”). rentcard operates a platform under rentcard.app (“rentcard Portal”) to allow prospective customers of a product or service (the “Prospective Customer”; the Prospective Customer and rentcard together the “Contracting Parties”) to conduct an automated assessment of the Prospective Customer’s financial situation and the collection of information for business transactions with the Prospective Customer (the “rentcard Tenant Pass” and similar products as well as their components, the “Credit Check” and “Collection of Information for Business Transactions”) on behalf of sellers/providers of products or services (the “Client”). The following General Terms and Conditions apply to all business relationships between rentcard and the prospective tenant who uses a rentcard tenant pass via the rentcard portal, in each case in the version valid at the time of conclusion of the contract.

1.2. Any differing general terms and conditions of the prospective tenant are not recognized by rentcard. Deviating or supplementary terms and conditions of the prospective tenant do not become part of the contract, even if they have not been expressly rejected. Deviations from these General Terms and Conditions, supplementary agreements, or any conflicting terms and conditions of the prospective tenant are only effective if they are confirmed in writing by rentcard.

1.3. Information on the protection of the personal data of the client and the prospective tenant can be found in the data protection regulations on the rentcard website at www.rentcard.app/privacy. This also applies to additional services (e.g., creditworthiness, identity, or sanctions list checks).

2. SUBJECT MATTER OF THE CONTRACT AND DESCRIPTION OF SERVICES

2.1. The scope of services provided by rentcard, and thus the subject matter of these Terms and Conditions, is the use of the rentcard tenant pass on behalf of the client using the rentcard portal in accordance with the provisions of these Terms and Conditions.

2.2. rentcard has no influence on whether, based on the automated assessment (e.g., credit check), the prospective tenant receives a specific ranking as an applicant for the offered product or service provided by the client, or whether a contract is subsequently concluded between the prospective tenant and the client.

2.3. The automated assessments are carried out on behalf of the client based on information for evaluating the financial situation of a prospective tenant (the “credit information”) or on the basis of other information for awarding or selling a product or providing a service.

2.4. The determination of the credit information, as well as the information for business transactions, is based, among other things, on the transactions on the bank accounts provided by the prospective tenant, analyses carried out by rentcard, or on the prospective tenant’s own information or information provided by the prospective tenant. rentcard does not itself operate the Account Information Service (hereinafter “AIS”) for retrieving bank account data. The AIS is provided by account information service providers connected to the platform by rentcard and regulated under PSD2/BaFin. Separate terms and conditions and data protection regulations of finAPI apply here, which inform interested parties when using the AIS. rentcard GmbH does not perform any content review of the information provided by finAPI or the interested party’s own information, in particular regarding its accuracy, completeness, and consistency.

2.5. Integration of Service Providers and Add-on Modules
rentcard is entitled to use external service providers, vetted according to data protection and IT security standards, to provide individual service components or additional functions (add-on modules). These may include, in particular, services for credit checks, identity verification, or sanctions list checks.

The prospective tenant can use optional add-on modules via the platform. These are technically facilitated by rentcard; the processing is carried out via data protection-compliant systems of external providers. rentcard transmits only the data necessary for processing to these providers and receives the result back in a structured format.

The use of such services is either
– on behalf of the prospective tenant themselves (e.g., credit or identity checks to supplement the tenant profile), or
– on behalf of a business customer (e.g., landlord) based on a legitimate interest pursuant to Art. 6 para. 1 lit. f GDPR.

With each check requested via rentcard, the business customer automatically confirms the existence of a legitimate interest; rentcard logs this process as proof.

All data obtained during such checks may only be used to assess the suitability of the property for rental and to process the application. Any further use, in particular for advertising, credit, or scoring purposes, is prohibited.

rentcard reserves the right to change participating service providers or to integrate additional providers at any time, provided that this does not impair the contractually agreed scope of services.

2.6. On behalf of the client, the prospective tenant will receive an invitation to complete a rentcard Tenant Passport via message (e.g., email) or through the client’s website or software or that of its service providers. If the prospective tenant agrees to the credit check and provides their personal data, account information, and data about their financial situation (collectively: the “Data”), the prospective tenant will receive the result of their credit check directly from the rentcard Tenant Passport, either displayed by the client or sent via message (e.g., email). If the rentcard tenant pass is subject to a fee, it can only be issued if the applicant pays this fee. However, due to maintenance work, technical malfunctions/errors, or other circumstances beyond rentcard’s control, the rentcard tenant pass may be temporarily unavailable or response times may be longer.

2.7. The categorization of account transaction data (name of the recipient and originator of the transaction, IBAN of the recipient and originator of the transaction, transaction text, transaction date, and transaction amount) is automated based on text analysis and statistical methods or pattern recognition using the intended use (e.g., “income” or “rent”) and the transaction amount. The data obtained in this way is analyzed using statistical analysis and aggregation of the individual categories, and creditworthiness information is calculated and information on the business transaction (e.g., IBAN, account holder) is collected. The calculated credit information is used to create categories that anonymously represent the financial situation and the fulfillment of predefined creditworthiness criteria in relation to other rental applicants in general, not in direct comparison to applicants for a specific property. An overall score is also calculated, enabling a comprehensive assessment based on the client’s criteria.

2.8. The prospective tenant is free to decide whether the credit check should be carried out and the result of the Rentcard Tenant Passport forwarded to the client. The prospective tenant’s consent for this forwarding is obtained at the end of the credit check.

2.9. The result of the credit check is displayed to the prospective tenant directly via the Rentcard portal, or on a platform or other software used by both the client and the prospective tenant, or via notification from the client.

2.10. The results of the rentcard tenant profile will be transmitted to the client after the prospective tenant has consented to their forwarding by rentcard (either directly on a dedicated web portal or via API (application programming interface)). In accordance with the rentcard tenant profile’s data protection regulations, these results will no longer be available to the client after a certain period and will be removed from the client’s view in the rentcard portal at that time (“deletion time”).

2.11. With a corresponding agreement with the prospective tenants, or if the client has a legitimate economic interest (e.g., payment default or late payment by a prospective tenant in an existing business relationship), the client may inform rentcard of the prospective tenant’s payment default or late payment. Upon request, the data may be made available to another client after the deletion time, subject to legal requirements, retention periods, and rentcard’s data protection regulations. The client alone is obligated to provide evidence of these deviating regulations or corresponding agreements with the prospective tenant or their legitimate economic interest. The client is solely responsible for the data provided. The client is liable for any data protection breaches and damages resulting from a lack of a legitimate economic interest vis-à-vis rentcard and the affected prospective customers.

2.12. rentcard reserves the right not to provide the client or prospective customer with a credit check result or to request additional information/comment if a reliable credit check is not possible due to unclear, incorrect, or incomplete account transaction data, or due to difficulties in analyzing the account transaction data, or if there are concerns regarding the execution of such a credit check. rentcard will inform the client and the prospective customer accordingly.

2.13. rentcard reserves the right not to conduct a credit check on the prospective customer if retrieving the account transaction data is not possible due to technical malfunctions or errors, or if the prospective customer has not specified a suitable account for the credit check. rentcard will inform the prospective customer accordingly.

3. CONCLUSION OF CONTRACT

3.1. The prospective customer will receive an invitation from rentcard, on behalf of the client, to conduct a credit check via a message (e.g., by email). Alternatively, the prospective customer can initiate the credit check independently via a link on a third-party platform.

3.2. The contract between rentcard and the prospective customer only becomes effective once the prospective customer has entered their personal data and account information, paid the specified fee, and clicked the “Start” button (or a button with a similar label), unless the client has already paid the fee or the service is provided free of charge by rentcard.

3.3. Any offers made by rentcard for the conclusion of a contract are non-binding and subject to change without notice, and merely constitute an invitation to the prospective customer to submit an order.

4. RIGHTS AND OBLIGATIONS OF THE PROSPECTIVE CUSTOMER

4.1. The prospective customer is obligated to provide truthful information. The prospective customer will be given the opportunity by the client or rentcard to review the results of the credit check. If, in the prospective customer’s opinion, the credit check result is incorrect, the prospective customer is obligated, in the interest of providing truthful information, to inform rentcard within two business days by email to support@rentcard.app and to notify the client of the credit check or to correct the credit check result. The prospective customer is solely responsible for the information provided.

4.2. The prospective customer is obligated to protect their data from unauthorized access by third parties, misuse, or fraudulent use. The prospective customer must immediately report any unauthorized, abusive, or fraudulent use of their data, as well as any suspicion that their data may be at risk, by email to privacy@rentcard.id.

4.3. The prospective customer is not authorized to disclose the results of the credit check to third parties or otherwise make them available to third parties for their use. This excludes all solutions offered directly by rentcard with explicit permission for disclosure (e.g., PDF rentcard).

4.4. The prospective customer agrees not to attempt any disruptive interference with the rentcard tenant pass or the underlying software using technical or electronic means, in particular hacking attempts, the introduction of viruses/worms/Trojans, or other attempts to disrupt the system.

5. RIGHTS AND OBLIGATIONS OF RENTCARD

5.1. rentcard is entitled, at its sole discretion, to perform the services itself or to engage qualified third parties as subcontractors in the performance of the contractual services. rentcard may use vetted subcontractors to perform individual services.

5.2. rentcard is entitled to access the bank account specified by the prospective customer via authorized service providers using the prospective customer’s account information in order to conduct the credit check.

5.3. rentcard places the highest value on data protection and will protect it from unauthorized access by third parties, misuse, or fraudulent use by employing state-of-the-art security mechanisms.

5.4. rentcard is not obligated to verify the accuracy, consistency, or completeness of the data provided by the prospective customer, nor to determine whether bank accounts other than the one specified by the prospective customer may be relevant for the credit check. Rentcard verifies whether a successful login to the prospective customer’s bank account has occurred (e.g., whether two-factor authentication was successfully completed). However, rentcard is not obligated to verify whether the bank account disclosed by the prospective customer actually belongs to that prospective customer.

5.5. Furthermore, rentcard is not obligated to verify the information provided by the client regarding an offered product or service. The client is solely responsible for the content and accuracy of the information concerning an offered product or service.

6. FEES AND PAYMENT TERMS

6.1. Unless otherwise stated, the credit check is free of charge for the prospective customer. If a fee is charged for the credit check, this will be clearly indicated. The fee payable is based on the information presented in the invitation to the credit check, the current price lists, brochures, and business letters, as well as other details.

6.2. rentcard reserves the right to charge or contractually stipulate different fees, charges, and other conditions for future credit checks or for selected new or existing customers without having to pass on any resulting benefits to the prospective customer (e.g., by adjusting the fees for future credit checks of the prospective customer, offering free credit checks as part of an advertising campaign, or by concluding contracts with certain customers that deviate from these terms and conditions).

6.3. The fee is due immediately before the credit check is carried out or the results are transmitted and is therefore a prerequisite for rentcard to provide its services and perform the credit check, unless the credit check is carried out free of charge for the prospective tenant.

7. WARRANTY

7.1. If rentcard provides the services to the prospective tenant free of charge, the prospective tenant has no warranty claims.

7.2. rentcard warrants only that the credit checks are carried out in accordance with the provisions of these Terms and Conditions.

7.3. rentcard generally makes the rentcard Tenant Pass (and similar products) available for use 24 hours a day, 7 days a week. However, temporary interruptions or impairments of the rentcard Tenant Pass may occur, for example, due to maintenance work, further development, or other technical malfunctions. Therefore, rentcard does not guarantee that the rentcard Tenant Pass (and similar products) and the underlying software will be continuously, completely, and error-free available. Rentcard is not liable for any damages incurred by the prospective customer resulting from such circumstances, unless Rentcard is guilty of gross negligence (gross negligence and intent). Planned maintenance work will be announced in advance via the platform or by email.

8. RIGHT OF WITHDRAWAL

If you, as a consumer, order a service for a fee, you have the following right of withdrawal:

You have the right to withdraw from this contract within 14 days without giving any reason. The withdrawal period will expire after 14 days from the day of the conclusion of the contract.

To exercise your right of withdrawal, you must inform us, rentcard GmbH, Leopoldstraße 169 a, 80804 Munich, Germany, Tel.: +49 89 21545761, support@rentcard.app, of your decision to withdraw from this contract by an unequivocal statement (e.g. a letter sent by post or an email). To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.

Consequences of Withdrawal

If you withdraw from this contract, we will reimburse all payments received from you, including delivery costs (excluding any additional costs incurred if you chose a delivery method other than our cheapest standard delivery option), without undue delay and no later than fourteen days from the day on which we received your notification of withdrawal. For this reimbursement, we will use the same payment method that you used for the original transaction, unless expressly agreed otherwise; in no case will you be charged any fees for this reimbursement.

If you requested that the services begin during the withdrawal period, you must pay us a reasonable amount corresponding to the proportion of the services already provided up to the point at which you notify us of your withdrawal from this contract, compared to the total scope of the services stipulated in the contract.

Notice regarding the premature expiry of the right of withdrawal

Your right of withdrawal expires prematurely in the case of a contract for the provision of services if we have fully performed the service and the performance of the service only began after you gave your express consent and simultaneously confirmed your awareness that you would lose your right of withdrawal upon complete fulfillment of the contract by us.

End of the cancellation policy

9. LIABILITY

9.1. The following applies to damages incurred by the prospective customer in connection with the rentcard portal and the services provided by rentcard, subcontractors, or their respective agents: Liability is unlimited in cases of intent or gross negligence, as well as in the case of a warranty. In cases of slight negligence, liability is also unlimited in the event of injury to life, body, or health. In the case of a slightly negligent breach of essential contractual obligations, liability is limited to the resulting property damage and financial losses up to the amount of the foreseeable, typically occurring damage. Any further liability for damages is excluded, except for claims under the Product Liability Act.

9.2. rentcard is liable for data loss and the costs of useless data entry within the scope of the above provisions only to the extent that such loss or damage could not have been avoided even if the prospective customer had backed up their data in machine-readable form in its most recent state.

9.3. Any contributory negligence on the part of the prospective customer must be taken into account in every case. The prospective customer is specifically obligated to verify the accuracy of the data they have entered and which is displayed by rentcard, at least by personally reviewing it once before transmission.

9.4. The above provisions also apply to the benefit of rentcard’s employees.

9.5. The selection of credit information for the allocation/sale of a product or the provision of a service (e.g., the amount of income in relation to the amount of remuneration) is made exclusively by the client. The assessment of compliance with these criteria is based solely on currently available account transaction data and the prospective customer’s own statements, and does not allow for any prediction of future developments. rentcard is not liable for the fact that the credit information selected by the client accurately reflects the prospective customer’s creditworthiness and/or is suitable for depicting the prospective customer’s actual probability of default.

9.6. rentcard uses appropriate mathematical-statistical methods for conducting the credit check and assessment. Furthermore, technical and organizational measures are taken to minimize the risk of errors in the credit check. The calculation logic of the credit check is subject to rentcard’s trade secrets; however, the documentation and description of the underlying principles can be provided to supervisory authorities as required by law.

9.7. For the avoidance of doubt, it is stated that the awarding/sale of a product or the provision of a service is the responsibility of the client, and rentcard assumes no liability in this regard.

9.8. The data provided by the prospective customer, and in particular the data released for the prospective customer’s bank account, will be used by rentcard GmbH exclusively for processing purposes in accordance with the General Terms and Conditions, the Privacy Policy, and the declarations of consent. The data provided by the prospective customer will not be checked for accuracy, completeness, or consistency, and rentcard assumes no liability whatsoever unless rentcard is guilty of gross negligence (gross misconduct and intent). It will also not be verified whether any bank accounts other than the one provided by the prospective customer may be relevant for processing. Therefore, rentcard GmbH accepts no liability.

9.9. rentcard assumes no warranty or liability for the accuracy, completeness, consistency, or timeliness of the requested account information, nor for the availability of this data.

9.10. Liability for Content and Services of External Service Providers

rentcard assumes no liability for the accuracy, completeness, or timeliness of data transmitted by external service providers. This data is passed on to the customer unchanged.

rentcard is not liable for decisions made by the customer or third parties based on information provided by partner modules.

Claims relating to data collection or processing by external service providers must be asserted directly against the respective service provider.

10. CHANGES TO THE TERMS AND CONDITIONS

10.1. rentcard reserves the right to amend these Consumer Terms and Conditions at any time, provided that reasonable notice of at least six weeks is given. Notification will be given by sending the amended Consumer Terms and Conditions on a durable medium (e.g., email), stating the effective date of the changes.

10.2. If the prospective customer does not object within six weeks of notification, the amended Consumer Terms and Conditions will be deemed accepted. The notification of the change will specifically highlight the significance of the six-week period.

10.3. If the prospective customer objects to the amended Consumer Terms and Conditions within the specified period, rentcard is entitled, while safeguarding the legitimate interests of the prospective customer, to terminate the existing contract with the prospective customer at the time the changes become effective. The prospective customer’s corresponding data will then be deleted from the database. The prospective customer cannot assert any claims against rentcard arising from this.

11. APPLICABLE LAW AND JURISDICTION

11.1. The legal relationship between rentcard and the prospective customer is governed by the laws of the Federal Republic of Germany, excluding the UN Convention on Contracts for the International Sale of Goods (CISG). This choice of law applies only to the extent that it does not deprive the prospective customer of the protection afforded by mandatory provisions of the law of the state in which the prospective customer has their habitual residence.

11.2. For prospective customers acting as consumers, the place of jurisdiction is their place of residence, as well as Munich as an additional place of jurisdiction.

11.3. When using a rentcard tenant pass on a platform operated by a third party, the terms of use and general terms and conditions applicable therein must be observed.

12. FINAL PROVISIONS

12.1. Amendments, supplements, and ancillary agreements to these General Terms and Conditions must be in writing to be effective. This also applies to any agreement to waive this requirement of written form.

12.2. In the event of any discrepancies between these terms and conditions and any differing written agreements between the contracting parties, the provisions of the differing agreements shall prevail.