Terms and Conditions

1. DEFINITIONS

In these Terms and Conditions, the following capitalized terms are used:

Platform: The digital rental platform of Renttoo, accessible via renttoo.nl, and related services.

Renttoo: Renttoo, established in Amsterdam, Netherlands, registered with the Chamber of Commerce under number 42011790.

User: Any natural or legal person who uses the Platform, including Owners and Clients.

Owner: A User who offers products for rent to Clients through the Platform. An Owner can be either an individual or a business.

Client: A User who rents products from Owners through the Platform.

Product: Any object, device, tool or other rental good offered by an Owner through the Platform and made available for rent. Excluded are: real estate and land.

Booking: A confirmed reservation and transaction for rental of a Product by a Client for a specific Rental Period, established through the Platform.

Rental Period: The agreed period for which a Product is rented, as recorded in the Booking. This can be either a daily booking (minimum 1 day) or a time-based booking (hours, half days, etc.).

Rental Price: The amount the Client pays for the use of a Product during the Rental Period, excluding Renttoo Service Fees.

Service Fees: The commission charged by Renttoo to the Owner for using the Platform and facilitating the transaction. The commission is 15% of the Rental Price (including VAT) and covers, among other things, payment costs and verification costs.

Renttoo Borgvrij (Deposit-Free): The damage handling system developed by Renttoo that combines verified users, professional damage assessment and payment requests to protect Owners in case of Damage, Loss or Theft. Renttoo guarantees a direct payout to the Owner of up to €500 per incident (maximum: Market Value) within 2 business days after the expiry of the 5 business day objection period (or after rejection of objection), regardless of whether the Client fulfills the payment obligation. For proven Damage, Loss or Theft above €500 per incident, Renttoo pays out €500 within 2 business days after the expiry of the objection period (or after rejection of objection) to the Owner in accordance with this guarantee, and the remaining amount is paid out within 2-3 business days after receipt of payment by the Client. The Client remains fully liable up to the maximum Market Value. Renttoo does not provide a guarantee for direct payout for amounts above €500 per incident.

Damage: Demonstrable damage to a Product that occurred during the Rental Period and can be attributed to the Client.

Loss: The complete loss of a Product during the Rental Period.

Theft: The theft of a Product during the Rental Period.

Market Value: The current market value of the Product at the time of Damage, Loss or Theft, taking into account the age, wear, condition and state of the Product. The market value is determined based on the current market value of a similar product of the same type, quality, maintenance condition and age, as at the time of rental.

Account: The personal user profile that a User creates to gain access to the Platform and use the services.

Verification: The process by which a User's identity is checked via Stripe Identity (for Clients) or Stripe Connect (for Owners), including ID check and linking of payment method or bank account, in accordance with legal KYC/KYB obligations under the Wwft.

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2. APPLICABILITY

2.1 General

These Terms and Conditions apply to:

• The use of the Platform by all Users
• All services offered by Renttoo
• All transactions established through the Platform

2.2 Acceptance

By using the Platform and/or creating an Account, the User declares:

• To have taken note of these Terms and Conditions
• To agree to these Terms and Conditions
• To be bound by these Terms and Conditions

2.3 Changes

Renttoo reserves the right to amend these Terms and Conditions. In the event of material changes, Users will be notified at least 14 days in advance via email and/or a notification on the Platform. If a User does not agree to the amended terms, they may terminate their Account within the notification period. Continued use of the Platform after the effective date of the amended terms constitutes acceptance.

2.4 Conflict

If the terms of Owners or Clients conflict with these Terms and Conditions, these Terms and Conditions shall prevail, unless Renttoo has expressly agreed in writing to deviating terms.

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3. ACCOUNT AND REGISTRATION

3.1 Creating an Account

An Account is required to use the services of the Platform. Upon registration, the User must:

• Be at least 18 years of age
• Provide correct, complete and current information
• Provide a valid email address and phone number
• Act in accordance with Dutch laws and regulations

Minors: Persons under the age of 18 are not permitted to create an Account. By creating an Account, the User declares to be of legal age (18+). If it turns out that a User is a minor:

• The Account will be immediately deleted
• All liability and guarantees under Renttoo Borgvrij will be void
• Parents/guardians may be held liable for any damage
• All pending Bookings will be cancelled without refund

3.2 Verification

Legal Obligation KYC and KYB: Renttoo is legally obligated to perform verification (KYC - Know Your Customer and KYB - Know Your Business) in accordance with the Wwft (Anti-Money Laundering and Anti-Terrorist Financing Act). This law requires Renttoo to:

• Establish and verify the identity of all Users
• Perform client due diligence based on risk profiles
• Monitor and report unusual transactions
• KYC/KYB verification data is retained for 5 years after deletion of the Account with Renttoo or after execution of the transaction (Wwft Article 33(3)). This data is collected and stored by Stripe via Stripe Identity in accordance with their own policy and Wwft obligations. Renttoo has access to this data via the Stripe dashboard insofar as necessary to comply with legal obligations, but the data is not directly stored by Renttoo.

Renttoo performs this verification via Stripe Identity (for Clients) and Stripe Connect (for Owners) to comply with these legal obligations.

For Clients: To place a Booking, the Client must:

• Verify their identity via Stripe Identity (ID document + selfie check)
• Agree to payment in case of proven Damage, Loss or Theft

For Owners: To offer Products, the Owner must:

• Create a business account via Stripe Connect
• Complete identification and verification through the Stripe Connect onboarding process
• Link a bank account for receiving payouts (handled within Stripe Connect)
• Comply with all legal obligations as an Owner

Stripe Connect verification includes identification and bank account linking, and enables Renttoo to make payouts to the Owner via Stripe's split payment system.

3.3 Account Security

The User is responsible for:

• Keeping login credentials confidential
• All activities that take place via the Account
• Immediate notification to Renttoo of unauthorized use

3.4 Account Suspension

Renttoo reserves the right to suspend or delete an Account without prior warning if:

• The User violates these Terms and Conditions
• There is fraudulent or unlawful use
• The User has provided incorrect information
• The safety of the Platform or other Users is at risk
• There are outstanding payment obligations

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4. ROLE OF RENTTOO

4.1 Facilitating Role

Renttoo acts exclusively as an intermediary and facilitates:

• The online offering of Products by Owners
• The searching and booking of Products by Clients
• The establishment of rental transactions between Owners and Clients
• The settlement of payments via Stripe
• The handling of Damage, Loss or Theft claims via Renttoo Borgvrij

4.2 Not a Party to the Rental

Renttoo is not a party to the rental agreement between Owner and Client. The rental relationship and responsibilities are directly between Owner and Client. Renttoo:

• Does not own the Products
• Does not take possession of the Products
• Is not responsible for the condition, quality or suitability of Products
• Does not act as owner or client
• Does not determine the rental price or rental conditions (this is done by the Owner)

Renttoo is the contracting party for:

• The use of the Platform (these Terms and Conditions)
• The Service Fees charged to Owners
• Renttoo Borgvrij handling and payments

4.3 Services

Renttoo offers the following services:

• Platform technology and maintenance
• Payment processing via Stripe (including payments, payouts, verifications)
• Verification of Users (KYC/KYB via Stripe)
• Messaging system between Owners and Clients
• Review and rating system
• Customer service
• Renttoo Borgvrij damage handling (assessment, collection, payout)
• Dispute resolution between Owners and Clients (on request, not mandatory)

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5. OWNERS

5.1 Owner Obligations

The Owner is obligated to:

• Only offer Products that they are legally entitled to rent out
• Place accurate and complete product descriptions and photos
• Keep availability and prices up to date
• Comply with all applicable laws and regulations
• Make the Product available in good condition and in accordance with the description
• Respond promptly to booking requests and questions from Clients
• Upon acceptance of a Booking, keep the Product available for the Client
• Verify that payment has been received before handing over the Product (payment confirmation via Platform or Stripe dashboard)
• Take photos of the Product at handover to the Client (before and after photos are required for Renttoo Borgvrij claims, see Article 9.3)

Professional Owners: If the Owner rents out on a professional/business basis (existing rental company or SME):

• The KvK number must be listed in the profile
• All tax obligations (VAT, income tax) are the responsibility of the Owner
• It is not permitted within the Platform (product descriptions, profile information or messages) to actively refer to own rental websites, webshops or external contact details with the aim of enticing Users to handle the current or planned transaction established via the Platform outside the Platform. After completion of a transaction via the Platform, Owners and Clients may freely contact each other directly for future transactions.

5.2 Offering Products

When listing a Product on the Platform, the Owner must:

• Provide a clear title and description
• Upload at least 1 clear photo
• Select the correct category
• Set a realistic rental price (per day, per hour, or other time period)
• State any restrictions or special conditions
• Indicate where and how the Product can be picked up/returned

5.3 Booking Acceptance

The Owner has two options for accepting Bookings:

Option 1: Manual Acceptance (default)

• The Owner is free to accept or reject a booking request
• May not use discriminatory reasons for rejection
• Is bound to the Booking upon acceptance
• If the Owner does not respond, the Client may withdraw the booking request and choose another Owner

Option 2: Direct Booking (optional)

• The Owner can enable "Direct Booking" per Product in the settings
• With Direct Booking, no approval or acceptance from the Owner is required — the Booking is established immediately after payment by the Client
• The system accepts automatically without manual intervention
• Owner remains responsible for keeping availability and calendar up to date
• Direct Booking can be enabled or disabled per Product at any time

5.4 Cancellation by Owner

Cancellations are the responsibility of the Owner and Client. Renttoo provides the option for refunds to the Client via the Platform.

If the Owner cancels a paid Booking:

• The Owner can initiate a full or partial refund to the Client via the Platform
• Refunds can be made multiple times for the same Booking, up to a maximum of the total booking price
• Upon refund, the corresponding Service Fees commission (15%) is also refunded — Renttoo earns nothing on cancellation
• The Owner and Client arrange any additional costs or compensation between themselves

5.5 Prohibited Products

It is not permitted to offer the following products:

• Stolen, counterfeit or illegal goods
• Dangerous substances or weapons
• Real estate
• Living animals
• Goods that endanger the health or safety of humans, animals or the environment
• Goods whose rental is legally prohibited
• Human trafficking or rental of persons in any form
• Sexual services or prostitution
• Services that are in violation of Dutch legislation, including but not limited to human trafficking, sexual services and other illegal activities

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6. CLIENTS

6.1 Client Obligations

The Client is obligated to:

• Use the Product only for the agreed purpose
• Handle the Product with care
• Return the Product in the same condition as at receipt (normal wear and tear excepted)
• Return the Product on time
• Take photos of the Product upon receipt (before and after photos are required for Renttoo Borgvrij claims, see Article 9.3)
• Immediately inform the Owner of any problems or Damage
• Grant the Owner access to the Product for inspection in case of reasonable doubt about its condition

6.2 Booking Process

When placing a Booking:

• The Client checks the product description, price and availability
• The Client indicates the desired Rental Period
• The Client may send a message to the Owner

For Products WITH Direct Booking:

• The Client pays directly after selecting the period
• The Booking is automatically established after successful payment without approval from the Owner
• The Owner receives a notification of the confirmed Booking

For Products WITHOUT Direct Booking:

• The Client first submits a booking request
• The Client waits for acceptance by the Owner
• The Client pays only after acceptance by the Owner
• The Booking is established after confirmation of payment

6.3 Payment

The Client pays:

• The Rental Price for the entire Rental Period in advance (when placing the Booking)
• Via Stripe (credit card, iDEAL, or other supported payment methods)
• No additional costs or Service Fees are charged to the Client

Payment Deadline: Payment must be completed by the end of the day on which the Booking takes place. This applies to all Bookings, both daily bookings and time-based bookings (hours, half days, etc.).

Responsibility: It is the responsibility of the Owner to verify that payment has been received before handing over the Product (see Article 5.1 and 10.2).

Payment is processed by Stripe and, after deduction of Service Fees, paid out to the Owner in accordance with the payout schedule in Article 8.3. Transaction costs, verification costs and other platform costs are already covered by the Service Fees (commission) and are not additionally deducted from the payout.

6.4 Cancellation by Client

Cancellation conditions may be stated by the Owner in the product description or communicated to the Client. If the Owner has stated cancellation conditions, these apply to the Booking. If no cancellation conditions have been stated, cancellations are to be arranged between Owner and Client.

During Rental Period: Early termination by the Client generally does not entitle the Client to a refund, unless otherwise agreed with the Owner.

6.5 Extension

If the Client wishes to extend the Rental Period:

• This must be coordinated with the Owner via the Platform
• The additional period must be paid for in advance
• The extension is considered a new Booking with the same conditions

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7. BOOKINGS AND TRANSACTIONS

7.1 Establishment of Booking

A Booking is established when:

For Manual Acceptance:

1. The Client submits a booking request
2. The Owner accepts the request
3. The Client initiates payment
4. Payment must be completed by the end of the (first) day of the Booking

For Direct Booking:

1. The Client selects the desired Rental Period
2. The Client initiates payment
3. The system accepts automatically without approval from the Owner
4. Payment must be completed by the end of the (first) day of the Booking

The Owner is responsible for verifying that payment has been received before handing over the Product (see Article 5.1 and 10.2).

7.2 Terms and Conditions

Each Booking contains at minimum:

• Identification of Owner and Client (verified accounts)
• Description of the Product
• Rental Period (start and end date/time)
• Rental Price
• Any specific conditions of the Owner

7.3 Rental Relationship

The rental relationship is directly between Owner and Client. Renttoo:

• Facilitates the transaction via the Platform
• Is not a party to the rental agreement
• Processes payments and handles settlement
• Provides Renttoo Borgvrij (see Article 9)
• Assists with dispute resolution if needed

7.4 Rights and Obligations During Rental

Owner obligations:

• Makes the Product available in accordance with the description and agreement
• Delivers the Product in good and working condition
• Remedies defects if reasonably possible during the Rental Period
• Is reachable during the Rental Period for questions or problems

Client obligations:

• Uses the Product in accordance with its purpose, instructions and any conditions
• Treats the Product carefully (as a good tenant)
• Reports defects or problems immediately to the Owner
• Returns the Product on time and in the same condition (normal wear and tear excepted)

7.5 Subletting and Third Parties

The Client is not permitted to:

• Sublet the Product to others
• Allow third parties to use the Product

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8. SERVICE FEES AND PAYMENTS

8.1 Service Fees Owner

Renttoo charges the Owner Service Fees of 15% of the Rental Price (including VAT) for each successful Booking.

This commission covers, among other things:

• Use of the Platform and all functionalities
• Payment processing via Stripe
• Verification services via Stripe (KYC/KYB)
• Customer service
• Renttoo Borgvrij handling
• Marketing and promotion of the Platform

8.2 Costs Client

The Client pays no additional Service Fees or platform costs. The Client pays only:

• The Rental Price set by the Owner
• Any Damage (if applicable, see Article 9)

8.3 Payout to Owner

Renttoo pays out the Rental Price to the Owner via Stripe's split payment system:

• After deduction of 15% Service Fees (including VAT)
• Via Stripe to the linked bank account
• First payout: 7-14 days after the first successful transaction (Stripe verification period)
• Subsequent payouts: Automatically daily

Example calculation: For a transaction of €100 including VAT, the Owner receives €85 paid out.

Please note: The first payout takes longer due to Stripe's risk assessment and verification. This is standard Stripe policy and cannot be accelerated.

8.4 VAT

The Service Fees of 15% are inclusive of VAT. Renttoo remits the legally required VAT on the Service Fees in accordance with Dutch tax legislation.

8.5 Invoicing

Renttoo provides:

• Both parties (Owner and Client) an invoice
• The Owner can view detailed information about income, payouts and commissions to Renttoo in the dashboard
• A copy of all transactions upon request

8.6 Renttoo Badge

An Owner who places the Renttoo badge with a link to renttoo.nl on their own website receives a 50% discount on the Service Fees for 3 months, starting from the first successful check. Renttoo checks the link automatically and weekly thereafter. If the link is removed, Renttoo will email the Owner; if the link is not restored within 14 days, the discount ends. The discount applies once per Owner and cannot be combined with other promotions. Renttoo may end or change the promotion and may refuse or revoke a badge.

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9. RENTTOO BORGVRIJ

9.1 Purpose and Operation

Renttoo Borgvrij is the system developed by Renttoo to protect Owners against Damage, Loss or Theft of Products. The system combines:

• Verification of Users (identity + payment method or bank account)
• Professional damage assessment by Renttoo
• Payment request to the Client in case of proven Damage, Loss or Theft (up to maximum Market Value)
• Guarantee of direct payout to the Owner up to €500 per incident (maximum: Market Value) within 2 business days after the expiry of the 5 business day objection period (or after rejection of objection), in case of proven Damage, Loss or Theft, regardless of whether the Client fulfills the payment obligation within the stated period and regardless of the outcome of any collection proceedings

Renttoo Borgvrij is not insurance but a damage handling method. No external insurer is involved.

Priority of own insurance: If the Owner has their own insurance that covers Damage, Loss or Theft of the Product, the Owner must first make a claim with their own insurer. Renttoo Borgvrij is secondary and only applies if:

• The Owner's own insurance does not cover the Damage, Loss or Theft
• The Owner's own insurance provides insufficient compensation (after deduction of excess/deductible)
• The Owner does not have their own insurance

9.2 Agreement at Verification

By accepting these Terms and Conditions, the Client expressly agrees to the following:

The Client consents to payment of proven Damage, Loss or Theft:

• For proven Damage, Loss or Theft as professionally determined by Renttoo
• Up to the maximum Market Value of the Product — the Client's liability is limited to the Market Value of the Product
• The Client receives a payment request with bank account number and reference (claim number)
• The Client transfers the amount via bank transfer stating the reference/claim number
• Payment must be made within 7 days of notification

The Client declares:

• To agree to payment in case of proven Damage, Loss or Theft
• That refusal of payment may lead to Account suspension and collection (see Article 9.7)
• To be aware that they will receive a prior notification with evidence and 48 hours response time

9.3 Reporting Damage

Owner: The Owner must report Damage, Loss or Theft within 7 days after the end of the Rental Period via the Platform.

Important: If the Owner has their own insurance, the Owner must first make a claim with their own insurer. Renttoo Borgvrij can only be used if the own insurance does not cover, provides insufficient compensation, or if the Owner has no own insurance.

The report must include:

• Detailed description of the Damage
• Before and after photos of the Product (photos taken at handover and at return) — these are required for damage handling via Renttoo Borgvrij
• Estimate of repair costs or market value
• Any relevant documentation (original purchase invoice, repair quote)

The Owner completes a form on the Platform where photos can be uploaded, the damage can be described, and the costs can be specified.

Client: The Client must report serious Damage or Loss immediately to the Owner and Renttoo.

9.4 Assessment Process

After receipt of a damage report by the Owner:

Step 1: Assessment by Renttoo Renttoo assesses each claim objectively within 5 business days of receiving the report. We review photos, check timing and request additional evidence if necessary.

The assessment is based on:

• Quality and persuasiveness of photos
• Timing (was the Damage already there before the rental?)
• Statements from the Owner
• Realism of estimated costs
• History of both Users
• Any additionally requested evidence

Step 2: Decision by Renttoo Renttoo decides within 5 business days:

• Approved: Damage, Loss or Theft is proven and will be compensated
• Rejected: Insufficient evidence or Damage, Loss or Theft cannot be attributed to the Client
• Partial approval: Lower compensation based on evidence
• Upon (partial) approval, the Client automatically receives a notification with claim details and has 5 business days to object or 7 days to pay

Step 3: Objection by Client After receiving the notification (Step 2):

• The Client may object within 5 business days after the assessment
• The objection must be submitted in writing and substantiated via the Platform (minimum 50 characters)
• The Client may upload attached files to support the objection
• Renttoo assesses the objection within 48 hours of receipt and may either reject the claim (if the objection is approved) or dismiss the objection (claim remains approved)
• After objection, the decision is final (subject to judicial intervention)

Step 4: Execution Upon an approved claim (without objection or after dismissed objection):

• The Client receives a payment request with bank account number, reference (claim number) and the total amount consisting of the damage amount and administrative costs (5% with a minimum of €5)
• The Client pays the amount via bank transfer stating the reference/claim number
• Payment term: 7 days after notification (or after rejection of objection)
• The Owner receives the full claim amount — the administrative costs are paid by the Client and are not deducted from the payout to the Owner
• For claims up to €500: Renttoo pays out in accordance with Renttoo Borgvrij within 2 business days after the expiry of the 5 business day objection period (or after rejection of objection) to the Owner, regardless of whether the Client fulfills the payment obligation
• For claims above €500: Renttoo pays out €500 in accordance with Renttoo Borgvrij within 2 business days after the expiry of the objection period (or after rejection of objection) to the Owner. The remaining amount is paid out to the Owner within 2-3 business days after receipt of payment by the Client
• Both parties receive written confirmation of the payout

9.5 Guarantee and Liability

Renttoo Borgvrij guarantee:

• Renttoo guarantees a direct payout to the Owner up to €500 per incident (maximum: Market Value) within 2 business days after the expiry of the 5 business day objection period (or after rejection of objection), in case of proven Damage, Loss or Theft, regardless of whether the Client fulfills the payment obligation within the stated period
• This guarantee applies regardless of the outcome of any collection proceedings against the Client
• The guarantee extends to the proven damage amount, with a maximum of €500 per incident and never exceeding the Market Value of the Product

Client Liability:

• The Client is liable for proven Damage, Loss or Theft up to the maximum Market Value of the Product
• For proven Damage, Loss or Theft up to €500 per incident, Renttoo guarantees direct payout to the Owner (maximum: Market Value) within 2 business days after the expiry of the 5 business day objection period (or after rejection of objection), regardless of whether the Client fulfills the payment obligation
• For proven Damage, Loss or Theft above €500 per incident, the Client remains fully liable up to the maximum Market Value. Renttoo pays out €500 in accordance with Renttoo Borgvrij within 2 business days after the expiry of the objection period (or after rejection of objection) to the Owner. The remaining amount is paid out to the Owner within 2-3 business days after receipt of payment by the Client. Renttoo does not provide a guarantee for direct payout for amounts above €500 per incident

9.6 Administrative Costs

Upon approval of a Damage, Loss or Theft claim, Renttoo charges administrative costs to the Client:

• 5% of the damage amount with a minimum of €5

These costs are automatically included in the payment request to the Client and are paid by the Client. As an Owner, you receive the full claim amount.

These costs cover the time and effort for assessment, communication and execution.

9.7 Refusal of Payment

If the Client refuses to pay after approval of a claim or does not pay within the 7-day term:

• The Client receives a maximum of 2 payment requests with reminders via email
• With each payment request, the administrative costs are increased by 5% of the claim amount (minimum €5) per request
• After 2 payment requests without payment, the file is referred to a collection agency
• Upon transfer to collection, the Account is set to non-active (no new Bookings possible)
• All collection costs are borne by the Client
• After 30 days of non-active status, the Account is permanently deleted

9.8 Exclusions

Renttoo Borgvrij does not cover:

• Normal wear and tear
• Damage due to incorrect use as described in the product description
• Damage not caused by the Client (external factors)
• Damage due to force majeure (for example: natural disasters, extreme weather conditions, war, terrorism, government measures, or other unforeseen circumstances beyond the reasonable control of the Client)
• Damage occurring after the Rental Period
• Indirect damage or consequential damage (for example: loss of profit, loss of turnover, missed revenue, reputational damage, business stagnation, missed savings, or other financial consequences not directly resulting from the Damage, Loss or Theft itself)
• Damage not reported within 7 days after the end of the Rental Period

9.9 Fraud Prevention and Sanctions

Prohibited conduct: It is expressly prohibited to:

• Claim damage that did not occur during the Rental Period
• Pass off existing damage to the Product onto the Client
• Submit false or exaggerated damage claims
• Manipulate evidence (photos, documents, timestamps)
• Forge documents (invoices, repair quotes, purchase receipts)
• Feign or simulate theft of own Product to obtain compensation
• Forge identity data or use that of others

Consequences of fraud: If Renttoo determines or has a well-founded suspicion that a User is acting fraudulently in a Damage, Loss or Theft claim or otherwise:

Immediate measures:

• Account is permanently blocked
• All current and future claims are refused
• Report to police (Art. 326 Criminal Code — fraud)
• Legal follow-up steps are initiated

Financial sanctions: The fraudulent User is obligated to reimburse all actual costs, including:

• Investigation costs (external expertise, forensic investigation)
• Administrative handling costs
• Legal costs and attorney fees
• Damage to other involved parties
• Collection costs

Renttoo reserves the right to claim additional damages. The fraudulent User indemnifies Renttoo against all claims from third parties arising from the fraud.

Burden of proof: In the event of a well-founded suspicion of fraud (for example: contradictory statements, manipulated photos, inconsistent information), the burden of proof lies with the suspected User to demonstrate that there is no fraud. Renttoo may share all relevant information with police, justice, collection agencies and other involved parties without prior consent of the User.

Final: Decisions by Renttoo regarding fraud cases are final, subject to a contrary ruling by a competent court. If a User disagrees with Renttoo's decision:

• They may object after the decision
• The objection must be submitted in writing and substantiated
• The decision after assessment of the objection is final (subject to judicial intervention)

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10. LIABILITY

10.1 Liability of Renttoo

Limited liability: Renttoo is not liable for:

• Damage, Loss or Theft of Products (see Article 9 for Renttoo Borgvrij)
• The quality, condition, safety or suitability of Products for their purpose
• Acts or omissions of Owners or Clients
• Non-fulfillment of agreements from Bookings by Owners or Clients
• Incorrect, incomplete or misleading product descriptions by Owners
• Technical malfunctions or interruptions of the Platform (except in case of gross negligence)
• Loss or theft of data (except in case of gross negligence)
• Disputes between Owners and Clients about the rental itself

Maximum liability: Insofar as Renttoo can be held liable for direct damage caused by defects in Renttoo's own service delivery (for example: technical malfunctions or errors in the Platform, errors in payment processing, incorrect payouts due to administrative errors, data breaches due to Renttoo's negligence, or other errors in service delivery), liability is limited to:

• Direct damage (not being damage to Products, which falls under Renttoo Borgvrij as described in Article 9)
• Maximum the amount of Service Fees paid by the relevant User to Renttoo in the 12 months preceding the damage
• With an absolute maximum of €5,000 per event

Exclusion of consequential damage: Renttoo is never liable for indirect damage, including:

• Loss of profit
• Loss of turnover
• Reputational damage
• Missed savings
• Damage due to business stagnation

10.2 Liability of Owner

The Owner is fully liable for:

• The condition, safety and suitability of the offered Product
• Correctness, completeness and truthfulness of product descriptions
• Compliance with all applicable laws and regulations when renting out Products
• Damage to the Client or third parties caused by defects, malfunctions or unsafety of the Product
• Tax obligations arising from rental income (VAT, income tax)
• Fulfillment of agreements made in the Booking with the Client
• Verification of payment before handing over the Product — if the Product is handed over without confirmed payment, this is entirely at the Owner's risk
• Verification of the person (e.g., identity document) before handing over the Product — if the Product is handed over without verification of the Client's identity, this is entirely at the Owner's risk

10.3 Liability of Client

The Client is fully liable for:

• Damage to the Product during the Rental Period (except normal wear and tear), up to the maximum Market Value of the Product
• Loss or Theft of the Product during the Rental Period, up to the maximum Market Value of the Product
• Damage to third parties caused by use of the rented Product
• Compliance with instructions, conditions and restrictions of the Owner
• Payment of the Rental Price and any Damage in accordance with these Terms and Conditions
• Fulfillment of agreements made in the Booking with the Owner

10.4 Indemnification by Users

General indemnification: Each User fully indemnifies Renttoo against all claims, demands, damages and costs (including reasonable attorney fees) from third parties arising from or related to:

For all Users:

• Violation of these Terms and Conditions or applicable laws and regulations
• Illegal, unlawful or fraudulent use of the Platform
• Violation of rights of third parties, including:
  • Privacy and personal data
  • Intellectual property rights (copyright, trademark rights, design rights)
  • Property rights on Products
• False, misleading or incorrect information provided on the Platform
• Claims from other Users regarding transactions
• Acts or omissions in conflict with the safety or integrity of the Platform

Specifically for Owners: The Owner additionally indemnifies Renttoo against claims arising from:

• Content, accuracy and completeness of Product descriptions
• Condition, safety, operation and legality of offered Products
• Damage to Clients or third parties caused by defects, malfunctions or unsafety of Products
• Absence of legally required information, warnings or instructions for use
• Absence of required permits or certificates for rental
• Non-fulfillment of agreements from Bookings with Clients
• Tax obligations and taxes arising from rental income
• Product liability in accordance with applicable product legislation
• Claims from Clients about the quality, operation or suitability of Products

Specifically for Clients: The Client additionally indemnifies Renttoo against claims arising from:

• Damage to Products during the Rental Period (except normal wear and tear)
• Loss, Theft or embezzlement of Products
• Damage to third parties caused by use of rented Products
• Non-fulfillment of payment obligations
• Misuse, improper use or use in violation of instructions
• Use of Products by unauthorized third parties
• Violation of usage conditions or restrictions of the Owner

Scope of indemnification: The indemnification covers all costs and damage, including:

• Direct and indirect damage
• Consequential damage and lost profits
• Costs of legal assistance (attorneys, advisors)
• Costs of judicial and extrajudicial proceedings
• Damages paid to third parties
• Costs of investigation and expert reports
• Reputational damage and image damage
• Administrative costs

Active defense and cooperation: The User who owes an indemnification shall:

• Inform Renttoo without delay upon knowledge of a potential claim
• Actively assist Renttoo in the defense against third-party claims
• Provide all relevant information, documentation and evidence in a timely manner
• Provide full cooperation in legal proceedings
• Not make arrangements with third parties without prior consent of Renttoo

Unlimited duration: These indemnification obligations remain fully in force even after termination of the Account for all acts, transactions and events during the period of use of the Platform.

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11. USE OF THE PLATFORM

11.1 Permitted Use

Users may use the Platform for:

• Offering or searching for Products for rent
• Communication with other Users via the messaging system
• Managing Bookings and transactions
• Giving and receiving reviews

11.2 Prohibited Use

It is expressly prohibited to:

• Provide incorrect or misleading information
• Handle payments outside the Platform. Important: All payments must be handled via the Platform to make use of Renttoo's protection and services, including Renttoo Borgvrij, verification and dispute resolution. Transactions outside the Platform are not protected and may lead to Account suspension (see Article 3.4).
• Use the Platform for illegal purposes
• Spread spam, malware or viruses
• Intimidate, threaten or discriminate against other Users
• Create multiple accounts without Renttoo's permission
• Impersonate another person or entity
• Manipulate reviews or place false reviews
• Infringe intellectual property rights
• Reverse-engineer or hack the Platform
• Systematically scrape or collect data without permission

11.3 Database Rights and Prohibited Use

Database protection: The database right of Renttoo pursuant to the Dutch Database Act applies to the database containing Products, User data and transaction information. This database has been established with substantial investments and is protected against unauthorized use.

Prohibited actions: It is expressly prohibited without prior written consent of Renttoo to:

• Retrieve and reuse a substantial part of the database contents
• Retrieve non-substantial parts repeatedly and systematically (scraping, crawling)
• Use automated systems, bots or scripts to collect data
• Copy, reproduce or replicate the database or parts thereof
• Collect, store or use contact or personal data of other Users
• Pass on product information to third parties or competing platforms
• Apply data mining or other extraction techniques to the database
• Systematically collect or display hyperlinks to Products or pages

No transfer or external access:

• No provision of these Terms grants rights to use the database or parts thereof outside normal use of the Platform
• External access via APIs, integrations or other technical means is not permitted without an explicit written agreement with Renttoo
• Users may not build their own applications or services using Renttoo data

Enforcement and sanctions: In case of violation of these database rights, Renttoo may immediately:

• Terminate the Account without prior warning
• Claim damages
• Take legal action, including injunctive proceedings
• Report to relevant authorities
• Recover all enforcement costs from the offender

Reporting abuse: If a User suspects that third parties are making unauthorized use of the Renttoo database, this can be reported via support@renttoo.nl.

11.4 Content

User Responsibility: The User is fully responsible for all content they post, including:

• Product descriptions and photos
• Messages and communication
• Reviews and ratings

Renttoo Rights: By posting content, the User grants Renttoo a worldwide, non-exclusive, royalty-free license to use, reproduce, modify and display this content for the operation and promotion of the Platform.

Marketing and Promotion: By using the Platform, the User also grants Renttoo permission to:

• Use profile photos and first name in marketing materials and promotional communications
• Share success stories and testimonials (anonymized or with explicit consent)
• Use screenshots of reviews and ratings in communications
• Mention or tag the User in social media posts

Marketing Opt-out: The User may at any time request not to be (or no longer to be) included in marketing materials by sending an email to support@renttoo.nl. Renttoo will remove or anonymize all existing materials within 14 days, insofar as reasonably possible.

No compensation: No compensation is owed to the User for the use of content and imagery in marketing, unless otherwise agreed in writing in advance.

Content removal: Renttoo reserves the right to remove without prior warning any content that:

• Violates these Terms
• Is illegal, offensive or inappropriate
• Infringes rights of third parties
• Is harmful to the Platform or other Users

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12. INTELLECTUAL PROPERTY

12.1 Ownership Renttoo

All intellectual property rights relating to the Platform belong to Renttoo, including:

• Software, code and algorithms
• Database structure
• Design, logos and branding
• Texts and content (unless posted by Users)

12.2 Right of Use

Renttoo grants Users a limited, non-exclusive, non-transferable right to use the Platform in accordance with these Terms.

12.3 Prohibited

It is prohibited without written consent to:

• Copy the Platform or parts thereof
• Adapt or derive from the Platform
• Commercially exploit the Platform
• Use Renttoo branding

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13. PRIVACY AND DATA PROCESSING

13.1 Privacy Statement

Renttoo processes personal data in accordance with the Privacy Statement, which is available at renttoo.nl/privacy and is part of these Terms.

13.2 Consent and Exceptions

By using the Platform, the User consents to:

• Processing of personal data as described in the Privacy Statement
• Sharing of relevant data with Owners/Clients for transactions
• Verification via Stripe Identity or Stripe Connect
• Use of cookies and tracking technology

Exceptions to confidentiality: Notwithstanding the obligations of the Privacy Statement, Renttoo is entitled to share personal data and transaction data with:

Authorities: Police, justice or other competent government agencies in case of (suspicion of):

• Theft, Loss or embezzlement of Products
• Fraud, deception or identity fraud
• Other criminal offenses or legal obligations

Collection partners: Collection agencies and bailiffs in case of non-payment of obligations

Legal advisors: Attorneys and legal service providers in disputes or legal proceedings

Payment providers: Stripe and other payment service providers for verification and transaction processing

The User expressly consents to this exception to confidentiality by accepting these Terms.

13.3 Security and Retention

Renttoo takes appropriate technical and organizational measures to protect personal data, but cannot guarantee absolute security.

Retention periods:

• KYC/KYB verification data (identity verification via Stripe Identity/Connect): 5 years after deletion of the Account with Renttoo or after execution of the transaction (in accordance with Wwft Article 33). This data is stored by Stripe, not directly by Renttoo. Renttoo has access to this data via the Stripe dashboard (see Article 3.2 for details).
• Transaction data (payments, payouts): 7 years (in accordance with tax legislation)
• General user data (profile, advertisements, reactions, media, bookings): may be deleted 30 days after deletion of the Account, unless there are pending transactions or disputes
• After expiry of the retention period: data will be destroyed in accordance with GDPR obligations

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14. REVIEWS AND RATINGS

14.1 Review System

After the end of a Rental Period, both Owner and Client may rate each other with:

• A rating of 1-5 stars
• A written review

14.2 Honesty

Reviews must:

• Be honest and based on truth
• Relate to the specific transaction
• Not contain offensive or discriminatory language
• Not contain privacy-sensitive information

14.3 Removal

Renttoo may remove reviews that:

• Violate these rules
• Are false or misleading
• Are part of manipulation or fraud

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15. COMPLAINTS AND DISPUTES

15.1 Frequently Asked Questions

Before filing a complaint, Renttoo recommends first consulting the "Frequently Asked Questions" page at renttoo.nl/frequently-asked-questions.

15.2 Complaints Procedure

Who can file a complaint: Any User may file a complaint about:

• Decisions by Renttoo to take measures regarding an Account or Product
• Removal of content or Products
• Account suspension or termination (see Article 3.4 and 16.2)
• Rejection of Damage, Loss or Theft claims under Renttoo Borgvrij
• Technical problems with the Platform
• Other conduct by Renttoo that has significant consequences for the User

How to file a complaint: Complaints can be submitted via:

• Email: support@renttoo.nl
• Via the contact form at renttoo.nl/contact

What the complaint must contain:

• Full name and account details
• Clear description of the complaint
• Relevant documentation (screenshots, emails, transaction numbers)
• Desired resolution

Deadlines for filing:

• Complaints about decisions: within 6 months of the decision
• Complaints about service defects: within 2 months of discovery

15.3 Handling Complaints

Renttoo handles complaints as follows:

• Acknowledgment of receipt: Within 2 business days of receipt
• Initial response: Within 14 days of receipt of the complaint
• Final resolution: Renttoo strives for a resolution within 30 days

Renttoo handles all complaints carefully, objectively and confidentially.

15.4 Disputes Between Users

In disputes between Owners and Clients about a Booking or rental:

• Parties first try to reach a resolution themselves via the Platform's messaging system
• Renttoo may mediate between parties upon request (not mandatory, at its own discretion)
• Each party bears its own costs unless otherwise agreed
• Renttoo is not bound to a specific outcome and decides at its own discretion
• Article 9 (Renttoo Borgvrij) remains fully applicable for Damage, Loss or Theft claims

For disputes outside the scope of Renttoo Borgvrij (e.g., suitability of Product, Owner service, quality), Owner and Client are themselves responsible for a resolution.

15.5 Extrajudicial Dispute Resolution

If no resolution is reached via the complaints procedure, the User has the following options:

For consumers:

• The User may submit the dispute to a recognized dispute committee or mediator
• Renttoo will reasonably cooperate with extrajudicial dispute resolution

For business users:

• Parties may jointly appoint a mediator
• Renttoo considers reasonable requests for mediation as an alternative to legal proceedings

15.6 Right to Legal Proceedings

This complaints procedure does not affect the User's right to submit a dispute to the competent court as specified in Article 18 of these Terms and Conditions.

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16. TERMINATION

16.1 Termination by User

A User may terminate their Account at any time by:

• Logging in and deleting the Account via the settings
• Sending a request to support@renttoo.nl

Upon termination:

• Pending Bookings will be handled in accordance with agreements
• Payment obligations remain
• The User can no longer access the Platform

16.2 Termination by Renttoo

Grounds for termination: Renttoo may immediately terminate or suspend an Account in case of:

• Serious violation of these Terms
• Fraudulent or illegal conduct
• Repeated complaints from other Users (3+ well-founded complaints within 6 months)
• Non-payment of obligations
• Damage to the reputation or operation of the Platform
• Abuse of the reporting system or Platform functionalities

Types of measures: Depending on the severity and circumstances, Renttoo may take the following measures:

Warning:

• Written warning with description of the violation
• Correction period of 7 days to resolve the problem
• No further consequences upon timely correction

Temporary suspension (7-30 days):

• Account temporarily blocked
• User cannot book or add new Products
• Existing pending Bookings remain valid and must be handled
• After suspension: account is reactivated if violation is resolved

Feature restriction:

• Specific features blocked (e.g., no new Products, no sending messages)
• Existing Bookings can still be handled
• Restriction remains in force until problem is resolved

Permanent exclusion:

• Account is permanently deleted
• No more access to Platform and services
• Pending Bookings are cancelled (with refund to Clients)
• User may not create a new Account

Consideration in measures: When determining the measure, Renttoo takes into account:

• Number of previous violations by the User
• Severity of the violation (minor vs. serious breach)
• Impact and consequences for other Users
• Intent of the User (deliberate vs. carelessness)
• Degree of cooperation of the User in resolving
• Speed at which the User remedies the problem

Communication: Renttoo will in principle inform the User in advance of:

• The intended measure and the grounds therefor
• The duration of the measure (if temporary)
• The possibility to object within 14 days

Exception — Direct action: In urgent cases, Renttoo may act directly without prior warning, for example in case of:

• Evidently fraudulent conduct
• Acute safety risk for other Users
• Serious violation of the law
• Direct threat to the operation of the Platform

In such cases, the User will be informed as soon as possible afterward.

Objection: The User may submit a substantiated objection within 14 days of notification of the measure via support@renttoo.nl. Renttoo will carefully assess the objection and respond within 7 business days with a decision.

16.3 Consequences of Termination

After termination:

• Access to the Platform is revoked
• Data may be retained in accordance with legal obligations:
  • KYC/KYB verification data (via Stripe Identity/Connect): 5 years (Wwft, see Article 13.3)
  • Transaction data: 7 years (tax legislation)
  • General user data (profile, advertisements, reactions, media, bookings): may be deleted after 30 days
• Articles on liability, intellectual property and applicable law remain in force
• After expiry of legal retention periods, personal data will be destroyed

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17. OTHER PROVISIONS

17.1 Entire Agreement

These Terms and Conditions, together with the Privacy Statement and any specific agreements, constitute the entire agreement between Renttoo and the User.

17.2 Nullity

If any provision of these Terms proves to be null and void or voidable, the remaining provisions shall remain fully in force. The null provision shall be replaced by a valid provision that most closely approximates the intended purpose.

17.3 No Waiver of Rights

The non-exercise of a right by Renttoo does not constitute a waiver of that right.

17.4 Transfer

Renttoo may transfer rights and obligations under these Terms to third parties. The User may not do so without written consent of Renttoo.

17.5 Contact

For questions about these Terms and Conditions, an email can be sent to support@renttoo.nl or contact can be made via the contact form on the website.

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18. APPLICABLE LAW AND COMPETENT COURT

18.1 Dutch Law

Dutch law applies exclusively to these Terms and Conditions and all agreements between Renttoo and Users, with the exclusion of the Vienna Sales Convention (CISG).

For non-consumers: The applicability of Article 6:227b(1) Dutch Civil Code (automatic annulment in case of default) is expressly excluded for all agreements with Users who are not acting as consumers.

18.2 Competent Court

All disputes arising from or related to these Terms shall be submitted to a competent court in the Netherlands, unless mandatory law provides otherwise.

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CONTACT DETAILS

Renttoo

• Chamber of Commerce: 42011790
• VAT: NL867934918B01
• Email: support@renttoo.nl
• Website: renttoo.nl

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These Terms and Conditions are drawn up in Dutch. In case of any translations, the Dutch version shall prevail.