Individuals: the everyday contracts we sign without reading
Lease, insurance, subscription, credit: the clauses to check before signing, explained without jargon.
Lease, insurance, phone subscription, consumer credit: an individual signs several contracts a year on average, rarely read in full. Most have no consequences. Some contain clauses that get costly at the first incident.
Quick check: Analyze your contract on subblink — risk score, clauses explained without jargon, deadline timeline.
1. The residential lease
The problem
An excessive security deposit, a vague termination notice, missing mandatory technical diagnostics: these are the most frequently poorly drafted points in a lease.
Legal reminder (France)
The security deposit is capped at 1 month's rent for an unfurnished property, 2 months for a furnished one. The legal notice period is 3 months for unfurnished, 1 month for furnished (Act of 6 July 1989, as amended by the ALUR Act).
Legal reminder (Switzerland)
Residential leases fall under Art. 253 to 274g CO. Abusive termination is governed by Art. 271-271a CO; an official form for setting the initial rent is mandatory in certain cantons.
What subblink detects
Security deposit and notice period thresholds are compared to the legal caps applicable according to the identified country, and flagged in case of overrun.
2. Insurance: what's hiding in the exclusions
The problem
A poorly understood exclusion clause ("damage resulting from a lack of maintenance") can cancel an expected payout at the time of the claim — often the most inconvenient moment to discover this clause.
What subblink detects
Exclusion clauses and reporting obligations (claim reporting deadline, deductible, coverage cap) are highlighted in the report.
3. Subscriptions and auto-renewal
The problem
A streaming, phone or gym subscription auto-renews, with a cancellation notice discovered too late.
Legal reminder
In France, Article L215-1 of the Consumer Code requires a reminder of the cancellation deadline before auto-renewal, and Act No. 2023-221 requires a 3-click cancellation for contracts signed online.
What subblink detects
The commitment duration, renewal conditions and cancellation notice are systematically identified.
4. Consumer credit: the APR above all
The problem
An interest rate displayed in large print, an APR (annual percentage rate, including all fees) less visible: it's this last figure that matters for comparing two offers.
What subblink detects
The presence of the APR and the legal withdrawal period (14 days in both France and Switzerland) is systematically checked for this type of contract.
Individual checklist: before signing
- Security deposit and notice period compliant with legal caps (lease)
- Exclusions and claim reporting deadline understood (insurance)
- Commitment duration and cancellation notice identified (subscription)
- APR displayed and 14-day withdrawal period respected (credit)
- Contract deadline timeline noted somewhere
Analyze your contract on subblink before signing, or right after if doubt remains.
FAQ: subblink for individuals
Is the free report enough?
It gives an overall risk score and a summary of the main points. The premium report details each clause, counter-proposals and the deadline timeline.
Is my data retained?
No. The contract content is not stored on servers after processing — the analysis happens in memory, then the data is deleted.
Does subblink give legal advice?
No. It's an informational aid to understanding. For an ongoing dispute or a complex case, the advice of a legal professional remains necessary — subblink also offers a directory of verified experts for that.
Can I compare several quotes before choosing?
Yes, this is a common use: analyzing two or three offers (insurance, credit, subscription) to objectively compare clauses before signing.
Conclusion
An individual's contract rarely gets a careful review — too long, too technical, no time.
A risk score in 2 minutes, without jargon, to know what really deserves your attention before signing.