General Conditions of Use

Last update: September 2020

1. The Site and the Company

The Site (the "Site") is edited by Unkle, a simplified joint stock company with share capital 6,311.95, whose registered office is located at 112, avenue de Paris - CS 60002 - 94306 Vincennes, France. Cedex and registered with the Créteil Trade and Companies Register under number 840 606 453, intra-community VAT number FR82840606453, email address:, (the "Company").

2. Definitions

The following terms beginning with a capital letter, whether used in the singular or plural, shall have the meaning attributed to them hereafter:

Case: Dispute resulting in the referral of a case to a court by parties that on the same facts so that their positions can be decided, whatever the facts. procedural developments before this court.

Insurance year: Period of 12 consecutive months elapsing between each principal maturity.

Guarantee certificate: document detailing the guarantees that can be offered by the Company to the User's lessor, subject to the conclusion of a Lease Agreement between the Company and the User's lessor. the User and its lessor, the payment by the User, and the lessor's adherence to the Warranty Services.

Flat-sharing: lease as defined in Article 8-1 I of Law 89-462 of January 1, 2009. 6 July 1989 to improve rental relations. Rental is granted exclusively to spouses or partners in a civil solidarity pact at the time of the conclusion of the Lease Agreement does not constitute not a roommate.

Lease agreement: contract for the rental of a dwelling (bare or furnished), which contains an termination clause for non-payment of rent (automatic termination) and a termination clause in the event of a solidarity, and for which the User (or Users, in the case of co-location, cohabitation, rental between spouses or rental by pacsés partners) wishes to benefit from the Guarantee Services. It is specified that in the case of a shared flat or cohabitation, all the tenants must sign the same Lease agreement for everyone to be considered as a tenant.

Unkle contract: document which may be signed in certain cases by the Company and the User to whom a Guarantee Certificate has been issued describing the conditions and modalities of provision of the Guarantee Services attached to a Lease Agreement. In the event of multiple tenants, Each User may have his or her own Unkle Contract under the conditions set out in these TOS.

property damage: damage and destruction to the property, that is to say, suffered by the building as well as that which is attached to it, including by destination, such as the doors, windows or fitted kitchen furniture.

Personal area: secure area, accessible by means of personal identifiers (login and password), dedicated and specific to the User. In the event of several tenants, each Users will have their own Personal area.

study of the file: verification and analysis by the Company of the information and documents provided by the User on his Personal Space, in order to determine whether the User can benefit from Warranty Services.

Products: various insurance products offered on the Unkle platform. Each of the Products has its own general terms and conditions of sale to which the User adheres by subscribing to the said product.

Services (Rental's guarantee): all the services provided by the Company to the User, and accessible through the Site:

i. provision of a Personal Space on the Site;

ii. carrying out a Study of the Dossier on the basis of the information and documents provided by the User;

iii. if the Study of the File is validated by the Company:

  • provision of a Certificate of Warranty in the case of a Unkle Tenant Warranty; and
  • provision of a guarantee for "unpaid rent" and "litigation costs" in favour of the the User's landlord having subscribed to the Guarantee Services for a Tenant guarantee (together, the "Warranty Services").;

iv. access to special offers from the Company's partners.

Services (Rent Guarantee Insurance): all services provided by the Company to the User, and accessible through the Site:

i. provision of a Personal Space on the Site ;

ii. carrying out a Study of the Dossier on the basis of the information and documents provided by the User;

iii. provision of "unpaid rent" insurance for the benefit of the landlord, protecting him from the unpaid rents and according to the options chosen against property deterioration, and offering it legal protection;

iv. access to special offers from the Company's partners

Renter's solvency: The tenant's income must be sufficient and appropriate the amount of the rent, charges and taxes payable by him. This payment capacity is expressed as a %. defining the maximum threshold of the ratio of rent divided by income.

User: natural person who accesses or browses the Site.

3. Scope and purpose

Access to and use of the Site are governed by these Terms and Conditions of Use. The TOS define the conditions of use of the Site and/or the Services, it being specified that the conditions applicable to the Guarantee Services are subject to additional contractual conditions to which the User shall be required to adhere under the conditions specified in these TOS. The TOS govern the contractual relationship between the Company and any User.

The TOS are available and directly consultable on the Site at any time.

The use of the site is equivalent to the automatic acceptance of its terms and conditions.

The Company reserves the right to modify the TOS at any time. The modified Terms and Conditions of Use shall take effect on the date on which they are put online on the Site and are deemed to be accepted without reservation by any User who browses the Site after they have been put online. The Company will inform the User of any substantial modification of the TOS by any means, and in particular by displaying a banner to this effect on the Site.

The applicable GCU are those in force on the day of navigation on the Site.

4. Personal Area

4.1 Creation of personal area

To be able to benefit from the Guarantee Services, the User must first create a Personal Space by means of a login and a password. The creation of the Personal Space is free of charge.

To create his Personal Space, the User must first of all answer a preliminary questionnaire available on the Site, by clicking on the box "I want to have the best file" if he is a tenant or on the box "Submit a file" if he is a landlord. Before being able to access the questionnaire, the User must first tick the box "I have read and accept the general terms and conditions of use and the privacy policy of the Site".

The answers to the preliminary questionnaire allow a preliminary study of the User's file, on the basis of the elements he or she provides. The User is then invited to create his/her Personal Space in order to download the supporting documents that will enable the Company to proceed with the Study of the Application.

The User can make a simulation, then is invited to create his Personal Space.

When creating his Personal Space, the User's identifier corresponds to his email address, and the User defines his password in accordance with the indicated security instructions.

The User's login and password are strictly personal and confidential. Their storage and use are the sole responsibility of the User. In this respect, the Company shall not be liable to the User for any damage suffered as a result of the illicit, fraudulent or abusive use of his login and password.

It is the User's responsibility to inform the Company immediately if an unauthorised person has used his or her login and password, but also in the event of loss or forgetfulness of his or her login and password. In the event of loss, forgetfulness or unauthorised use of his identifiers and password, the User also undertakes to reset his password according to the procedure described on the Site.

The User can modify his information at any time in his Personal Space.

4.2 Use of the Personal Area

In his Personal Space, the User downloads the compulsory and, where applicable, optional information and/or documents in order to enable the Company to carry out the Study of the File.

If need be, the User may also find in his Personal Space:

  • documents issued by the Company for the purposes of the Services, including a Guarantee Certificate in the case of a Tenant Guarantee, if the Desk Study is validated by the Company and if (i) the User and its lessor have signed a Lease Agreement, (ii) the User and the Company may have signed a Unkle Agreement, and (iii) the lessor has adhered to the Guarantee Services;
  • commercial offers from the Company's partners, to which the User may decide to subscribe freely, by contacting the partners concerned via the corresponding link available in his Personal Space or by dialling the telephone number given there. Any offer or contract subscribed to with a partner only binds the User and the partner concerned and does not create any right or obligation for the Company, which remains a third party to this relationship.

In the event of repeated failure to comply with the obligations of these TOS, or prolonged inactivity, the Company reserves the right to definitively delete a User's Personal Space after prior notification by email.

5. Provision of Services by the Company

5.1 Pre-analysis of the file within the framework of a Tenant Guarantee

In the context of a Tenant Guarantee, in the event that, at the time of the creation of his Personal Space, the User has not yet found accommodation or signed a Lease Agreement, the Company may send him a pre-certificate of guarantee, intended to facilitate his search and detailing the guarantees that the Company may offer within the limit of a maximum rent.

This pre-certificate of guarantee has a period of validity indicated on the pre-certificate of guarantee and does not constitute a firm commitment by the Company to issue a subsequent Certificate of Guarantee in due and proper form, insofar as it will only be issued subject to the signature of a Lease Agreement by the User and his lessor, payment by the User and the lessor's adherence to the Guarantee Services.

5.2 Study of the file

After having created his Personal Space, if he wishes to benefit from the Guarantee Services, the User must download the obligatory and, where applicable, optional information and/or documents, in order to enable the Company to carry out the Study of the File.

The User guarantees in this respect (i) that all the information and/or documents provided on the Site or downloaded from his Personal Space or otherwise communicated to the Company are authentic, complete, unfalsified, true and up to date; and (ii) that he has the necessary rights and/or authorisations to provide the Company with the said information and/or documents, in compliance with the legal and regulatory provisions in force and without infringing the rights of a third party.

In the event of doubt as to the veracity or authenticity of a document or information transmitted, the Company reserves the right to ask the User for additional information and/or documents, to refuse to provide the Services to the User and/or to delete the Personal Space of the User concerned.

The User also ensures that the downloaded documents are legible and correctly formatted to enable the Company to read them in the best possible conditions.

In the case of rental by several Users, the Company will only be able to carry out the Study of the Dossier once all the Users concerned have downloaded the necessary documents.

Once the Study of the File has been carried out, the Company will inform the User by email:

  • if the User can benefit from the Warranty Services, the Company will make the Warranty Certificate available to him/her on his/her Personal Space (within the framework of the Tenant Warranty) ;
  • if the User cannot benefit from the Guarantee Services, the Company will explain the reasons for its refusal to the User.

5.3 Contractualisation of Warranty Services

The eligible User(s) must finalise the subscription to the Guarantee Services within a period of (2) months from the provision of the Guarantee Certificate. In order to do so, within this period :

  • a Lease Agreement must be signed between the User(s) concerned and their lessor(s). This Lease Agreement must be downloaded from the Personal Space,
  • the lessor concerned must have subscribed to the Guarantee Services by signing the insurance application and the subscription conditions made available to him by the Company,
  • the User(s) may have signed a Unkle Agreement.

For each Product, Users and customers adhere by subscribing to the various general conditions of the said Insurance Products.

The terms and conditions for the provision of the Warranty Services, as well as the costs of the Warranty Services, are specified in the various Unkle Contracts.

It is specified that the use of the site in general is equivalent to the automatic acceptance of its TOS. Where necessary, the provision of bank details leads all the more to acceptance of the TOS.

5.4 Verification of the User's file and payment of the fee for the File Verification and Guarantee Services

In order to contract the Guarantee Services, the Company carries out a file check of each of the Users. Unkle only carries out a formal verification of the User's file once it is complete and the User has paid a sum equal to the first month of the Guarantee Service.

In the case of a Tenant Guarantee, Unkle will make the first payment of an amount equal to the first month of the Guarantee Services (the "Price"), being 3.5% of the amount of the rent including charges.

Under the Unpaid Rent Insurance that the Landlord may take out, the Landlord has the option of having Unkle check the Tenant's file to ensure that the Tenant's file falls within the insurance eligibility criteria. If the file is validated by Unkle, this will mean immediate coverage in the event of a claim by the Tenant. This option may be invoiced by Unkle.

In accordance with Article L. 121-21-8 of the French Consumer Code, the right of withdrawal may not be exercised if the file verification or the signature of the Lease Contract has been fully executed before the end of the withdrawal period.

In the case of a Tenant Guarantee, payment of the first fee for the Guarantee Services or any file verification fee of the Company corresponds to the file verification service provided in order to benefit from the Guarantee Services. If the User does not eventually return to the premises or is not eligible for Unkle's Warranty Services, a lump sum of thirty euros (€30) will be retained by the Company. If the fee for the Warranty Services was lower, the full amount will be retained by the Company as a file audit fee.

The Price is due to Unkle during the entire initial term of the Lease and will be debited by Unkle each month from the bank account indicated in your Personal Space. If you terminate the Lease prior to its expiry date, you undertake to notify Unkle in writing of your effective date of departure from the accommodation so that Unkle can verify this information with the landlord and terminate the deduction of the Price.

Sampling will stop after Unkle has received the inventory of fixtures and on the date of receipt of the inventory of fixtures. No refunds will be made.

In the context of the Unpaid Rent Insurance, the Owner-Lessor User who wishes to terminate his contract has two months' notice. This notice can be given to Unkle in any written form by email or mail and takes effect from the date of receipt of the email or the date of sending the mail for a period of two months.

Under the Tenant Guarantee, you acknowledge that this payment is made in addition to the payment of the rent that you are required to pay to your landlord, and that in any event, you remain liable for the payment of the rent to your landlord throughout the initial term of the Lease. The conclusion of the Unkle Agreement does not have the effect or purpose of authorising you to no longer pay the sums you owe to your Landlord, or of justifying at any time that you no longer meet your payment obligations to your Landlord.

In any case, in case of unpaid rent reported by your landlord to Unkle, Unkle will contact you to find out the reasons for the unpaid rent. If you are unable to pay the rent, Unkle will make the corresponding payment under the conditions detailed in the information leaflet of the contract taken out by Unkle with Sada Assurances available below.

In any event, you acknowledge that the Warranty Services benefit to the owner and that as such, in the event of non-payment of the rent and/or the Price, you will expose you to lawsuits from your landlord and/or Unkle, in particular to obtain payment of the sums due and/or your eviction from the accommodation.

In the event of non-payment of the monthly premium corresponding to the Guarantee Services by the Renter, the premium may be callable for lapse of term by Unkle for the whole of the period. remaining term of the Lease corresponding to Unkle's guarantee period and may call upon a bailiff to recover the sums due by the User.

The totality of the sums due under the Guarantee Services (monthly premiums not The User will pay Unkle the amount due (e.g., paid, late payment interest, penalties, etc.) and will be invoiced for the amount due.

If the SEPA Direct Debit is rejected on the User's account, Unkle will re-invoice the costs to the User. which are invoiced to him by his payment service provider Stripe (€8 for each rejected direct debit) on his next invoice.

6. Intellectual Property

6.1 Intellectual property of the Company

The Unkle trademark, as well as all the figurative and non figurative trademarks and more generally all other trademarks, illustrations, images and logos appearing on the Site, whether registered or not (the "Trademarks") are and remain the exclusive property of the Company or are licensed to the Company.

The Site and all the graphic, textual, visual and photographic elements appearing on it, in particular all illustrations, images, drawings, photographs, characters, texts, scenery, presentation methods, graphics or any other element of the Site (hereinafter the "Content") are and remain the exclusive property of the Company or are licensed to the Company and are protected in particular by intellectual property rights.

Under no circumstances may the Brands, the Site and/or its Content be modified, reproduced, represented, distributed, displayed, marketed, incorporated in a derivative work or otherwise, in whole or in part, in any medium whatsoever. In general, the Brands, the Site and its Content may only be used in the context of browsing the Site and, where applicable, to benefit from the Services.

The use of all or part of the Brands, the Site and/or its Content, in particular by downloading, reproduction, transmission or representation for purposes other than those provided for in these TOS is strictly prohibited.

Subject to compliance with these TOS, the Company grants Users a personal, non-exclusive and non-transferable right to access and use the Site, its Content and/or the Brands for the sole purpose of consulting the Site.

With the exception of the above, it is strictly forbidden for Users to:

  • copy, reproduce, represent, disseminate, distribute, publish, whether permanently or temporarily, all or part of the Site and/or its Content and/or the Brands by any means and on any medium known or unknown to date;
  • create derivative works from the Site and/or its Content and/or the Brands;
  • modifying, translating, adapting, arranging all or part of the Site and/or its Content and/or the Brands;
  • disassemble, decompile, reverse engineer the Site and/or its Content;
  • distribute, transmit, disseminate, sell, rent, lease, grant or exploit, in any way whatsoever, without the express prior written consent of the Company, all or part of the Site and/or its Content and/or the Brands.

6.2 User Content

When using his Personal Space, the User may download documents from the Site (the "User Content")..

In this respect, the User guarantees (i) that he or she holds all the rights or has obtained all the necessary authorisations (including, in particular, authorisations relating to image rights) to download the User Content, and (ii) that the User Content that he or she provides does not violate any third party rights, including the intellectual property rights of third parties.

The Company does not acquire any ownership rights to the User Content. However, the User grants the Company, for the duration of the Services, a worldwide, free and non-exclusive licence to use the User Content, allowing the Company to use, reproduce, represent, on any media, by any means, all or part of the User Content for the purposes of providing the Services.

7. Personal data

The User is informed that the Company processes personal data and is invited to read the Privacy Policy.

8. Hypertext links

It is forbidden to create a hypertext link to the Site without the Company's express prior written authorisation. Requests must be addressed to the Site's publication director at the following address :

The Site may offer links to other websites, including the websites of partners whose offers may be highlighted on the Site. Insofar as the Company has no control over these third-party websites, the Company makes no commitment as to the availability and content of these sites, and declines all responsibility for the content, advertising, products, services or any other material available on or from these external sites or sources. The Company also disclaims all liability for any damage or loss, whether actual or alleged, arising out of or in connection with the use of, or reliance on, the content, goods or services available on such third party websites.

9. Warranty - Liability

9.1 Guarantee

The Site and its Content are provided as is and subject to availability.

The Company does not warrant that the Site or its Content will be error-free or uninterrupted.

The Site is normally accessible 24 hours a day, 7 days a week, subject to the following conditions:

  • force majeure;
  • the availability of the internet network;
  • temporary suspensions of the Site for technical reasons related to updates to the Site, its maintenance or any other technical cause.

The Company undertakes, as part of an obligation of means, to provide access to the Site and to make its best efforts to remedy any malfunction brought to its attention. However, the Company may find itself obliged to suspend the Site temporarily or permanently without notice, in particular for technical and/or maintenance reasons, whatever the origin or cause, without this entailing any liability on the part of the Company.

9.2 Liability of the Company

It is specified that the Internet network and the computer and telecommunications systems used to access and use the Site are not free of errors and interruptions and breakdowns may occasionally occur. The Company may not be held liable for any inconvenience or damage related to the use of the Internet network, and in particular, without this list being exhaustive, the incorrect transmission and/or reception of any data and/or information on the Internet, the failure of any reception equipment or communication lines, any malfunction of the Internet network preventing the proper functioning of the Site and/or Services. It is up to Users to take all appropriate measures to ensure the security of their equipment, data, software or other, in particular against contamination by any virus and/or attempted intrusion of which they may be victims.

The Company's liability towards the User can only be engaged for facts directly attributable to the Company and causing direct prejudice to the said User.

Under no circumstances can the Company be held liable to the User in respect of:

(i) indirect prejudice, recognised as such by the French courts,

(ii) damage resulting from misuse or use of the Site and/or Services that does not comply with these GCU, or

(iii) damage resulting from facts attributable to the User, to any other User or to any third party.

9.3 Responsibility of the User

The User is solely responsible for the use he or she makes of the Site and/or the Services, and in particular for complying with his or her obligations under these GCU.

In this respect, the User guarantees the Company against any complaint, claim, action, demand and/or recourse of any nature that any third party may make against the Company on the basis of the User's breach of any of its obligations or guarantees under the terms of these GCU, or, more generally, the User's use of the Site and/or the Services. The User undertakes to compensate the Company for any prejudice, loss and/or damage that the latter may suffer and to pay it all costs, charges and/or sentences that it may have to bear as a result.

10. Various

10.1 Divisibility

In the event that one or more of the provisions of the TOS are considered invalid or unenforceable by a competent court or by applicable law or regulation, this provision will be deleted without affecting the validity and enforceability of the other provisions of the TOS.

10.2 No waiver

The fact that the Company does not avail itself of any provision of these TOU shall not be considered as a waiver of the benefit of such provision or of the right to subsequently avail itself of such provision and/or to claim compensation for any breach of such provision.

10.3 Assistance - Information - Claim

Any request for information, clarification, assistance, any claim relating to the Site and/or the Services should be sent to the Company by e-mail to the following address :

11. Applicable law and jurisdiction

These TOS are subject to French law.

In the event of a claim or dispute concerning the application, interpretation or execution of these TOU, the parties undertake to seek an amicable settlement to the dispute concerned before any legal action or recourse to a mediation procedure.

In the absence of an amicable agreement, the User may have recourse to any alternative means of settling disputes and in particular to a mediation procedure :

  • to the Insurance Ombudsman, at the following address: La Médiation de l'Assurance, TSA 50110, 75441 Paris Cedex 09, or by internet : ; ou
  • by accessing the European Online Dispute Resolution Platform at the following address: who will attempt an amicable resolution.

Failing resolution of the dispute in this context, the dispute will be brought before the competent French courts.

© Unkle 2021 - All rights reserved.