These “Protect Plus” terms and conditions (“Protect Plus Terms”) set out the rules which cover our relationship with you if you subscribe for the premium version of ClearScore Protect, called “Protect Plus” (“Protect Plus”). These Protect Plus Terms explain our responsibilities and yours, and how you can use Protect Plus. These apply to you if you have subscribed for Protect Plus and are legally binding so please read them. You may also want to print them out or save them on your device in case you ever want to come back to them in the future.
Our ClearScore Terms & Conditions ("ClearScore Terms") also apply to your use of Protect Plus. If these Protect Plus Terms are inconsistent with our main ClearScore Terms, then these Protect Plus Terms will apply in relation to your use of Protect Plus. You should read these Protect Plus Terms along with our ClearScore Privacy Policy, which explains how we use your personal information when you use our services.
ClearScore is authorised and regulated by the Financial Conduct Authority, registration number 654446.
Certain parts of the Protect Plus services are provided to us by our third party service providers, including Financial & Legal Insurance Company Limited (“FLI”), CyberScout Ventures Limited (“CyberScout”), Spycloud, Inc. (“Spycloud”) and Superlative Enterprise Pty Limited (“HIPB”) (together our “Cybercheck Partners”). To provide the Protect Plus services to you, we need to share information collected from you with our Cybercheck Partners, as further detailed in our Privacy Policy and their respective privacy policies and fair processing notices.
Services. If you have subscribed to Protect Plus, in addition to all the features in ClearScore Protect you will also benefit from:
✔Daily dark web monitoring – we will conduct daily checks of your personal email address(es), passport details, phone numbers and driving licences and will notify you of any breaches.
✔ 24/7 Fraud Helpline – get access to experts anytime for help with suspicious messages, identity theft and fraud.
✔ Daily credit report updates - we will monitor your Equifax credit report on a daily basis for any indication of fraud.
✔ Protect Plus insurance cover – protection against identity loss and expert help to resolve cyber security issues.
We receive and share information with our Cybercheck Partners. You may find out more about how they process information about you in their respective privacy and processing policies, which can be found on their websites.
Subscription Fee. As a subscriber of Protect Plus, you will be able to enjoy the services described above for a subscription fee billed monthly or annually. You can find more information on the subscription fee here.
Promotional Offers. From time to time, we may offer free trials or other promotional offers on the Protect Plus subscription for a specified period of time and on such conditions communicated at the time you sign up (each a "Promotional Offer").
Unless otherwise communicated, the Promotional Offer begins at the moment you sign-up to it, which is when you submit your payment details. In submitting your payment details, you:
- confirm your acceptance of the Promotional Offer as advertised; and
- accept and agree to these Protect Plus Terms and the ClearScore Terms.
Unless otherwise communicated, Promotional Offers may only be used once and existing Protect Plus subscribers or previous users of that Promotional Offer may not redeem the offer again.
Activating the Promotional Offer. To sign up for a Promotional Offer, you must select between a monthly or annual Protect Plus subscription plan and provide a valid payment method. The Promotional Offer will automatically start when you submit valid payment details.
Free Trial End. Unless you cancel the Promotional Offer at least 1 (one) day before the Promotional Offer period ends, you will automatically become a subscriber to your chosen Protect Plus subscription plan, and you will automatically be charged the relevant applicable subscription fee(s).
Cancelling. If you cancel the Promotional Offer during the Promotional Offer period, you will lose access to the Protect Plus service at the end of that Promotional Offer period. After this, your account will automatically switch to the free version of the ClearScore Protect service. To cancel, you should visit ‘Protect’ under the ‘My Account’ section of your ClearScore account. There are no cancellation fees and you can start or stop your subscription at any time. Following cancellation, you will continue to have access to the Protect Plus service through to the end of the Promotional Offer period.
Changes to Promotional Offers. Except where prohibited by law, ClearScore reserves the right to modify, suspend or terminate any Promotional Offer at any time and for any reason, at its sole discretion.
Payment. When you become a Protect Plus subscriber, we will ask you to pay the subscription with either (a) a debit card or credit card; or (b) a payment method made available by a third party payment provider (as applicable). We will take the subscription from that payment method on the same day every month while you remain a Protect Plus subscriber if you opted for monthly billing, and on each anniversary of your subscription date if you opted for annual billing. If we can't take payment from your card for any reason (for example, because it has expired), we will ask you to register another card which will become your new stored card.
Payments are non-refundable and we do not provide refunds or credits for any partial subscription periods.
If you do not pay the subscription fee upon it becoming due, your subscription will be automatically cancelled. We may also take legal steps to collect the payment. If we do, you may be responsible for our costs in doing so.
Cancellation. You can cancel your subscription at any time through the My Account section of your ClearScore account. There are no cancellation fees and you can start or stop your subscription at any time. You will continue to have access to the Protect Plus service through to the end of your billing period.
We may end your Protect Plus subscription immediately if:
we suspect you are behaving fraudulently (for example, if you try to use your cover to cover someone else’s expenses);
one of our Cybercheck Partners have ceased to provide us with the necessary information to provide you with the service;
you haven't given us the information we need, or we have good reason to believe that the information you have given us is false;
you have breached these Protect Plus Terms or the ClearScore Terms;
you owe us money (like your subscription fee) and, despite us asking you to pay us, you have not done so within a reasonable period of time;
you've been declared bankrupt; or
we must do so under any law, regulation, court order or ombudsman's instructions.
We may also end your subscription for other reasons, but we will give you at least one month's notice.
Changes to Protect Plus. We may change our subscription plans and the price of our service from time to time and these will apply no earlier than 30 days following notice to you. If a change is advantageous to you or does not materially affect your rights or obligations relating to Protect Plus, and it constitutes a mere update of information, we may choose to not notify you directly or provide less than 30 days’ notice of the update.
Provider details. Your Protect Plus cover is provided by Financial & Legal Insurance Company Limited (a company registered in England and Wales with company number 03034220) which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority for the conduct of UK business under firm reference 202915 (the “Insurer”).
How it is provided to you. In relation to insurance products bundled with the Protect Plus subscription:
If you subscribed for Protect Plus after 5 November 2024, ClearScore acts as an intermediary for the Insurer and you can find the details of your cover in the Insurer’s terms and conditions, here.
If you subscribed for Protect Plus on or before 5 November 2024, ClearScore will give you 30 days’ notice of the forthcoming update to your policy terms and conditions:
- In the interim, you will remain on your original cover. ClearScore acts as an intermediary for the Insurer and you can find the details of this cover in the Insurer’s terms and conditions here .
- If you do not cancel your subscription or opt out within 30 days of our notification, at the end of that period you will be automatically moved onto the same insurance coverage as users that subscribed for Protect Plus after 4 November 2024. ClearScore acts as an intermediary for the Insurer and you can find the details of your new cover in the Insurer’s terms and conditions, here.
Eligibility and suitability. To be eligible for insurance you must be aged 18 or and permanently reside in the United Kingdom.
Please make sure the insurance is suitable for you by reading the product information document, statement of insurance and insurance policy, and understand what is and isn’t covered under the policy. You won’t receive advice or recommendations from us for any insurance products available through Protect Plus and we can’t guarantee the policy is suitable for you. It’s important to check that the cover meets your needs and requirements.
Cost of cover. We pay the Insurer for your Protect Plus cover using part of your monthly or annual subscription fee. When you pay us the subscription fee, we will hold the portion of your Protect Plus cover until it is actually passed on to the Insurer, but not as client money.
Claims. The Insurer will handle any claim that you make under your insurance directly with you and you can get in touch with them by selecting to ‘Make a Claim’ in your Protect Plus subscription section on the ClearScore app. If you would prefer to speak with ClearScore first about your claim, please get in touch via our support page.
Cancellation. Protect Plus is offered as an unbreakable bundle and cannot be sold separately. If you wish to end your insurance cover, you may do so by cancelling your Protect Plus subscription. You will continue to have access to the Protect Plus service through to the end of your billing period.
We may end your Protect Plus subscription immediately if:
- we suspect you are behaving fraudulently;
- one of our Cybercheck Partners have ceased to provide us with the necessary information to provide you with the service;
- you haven't given us the information we need, or we have good reason to believe that the information you have given us is false;
- you have breached these terms and conditions;
- you owe us money and, despite us asking you to pay us, you have not done so within a reasonable period of time;
- you've been declared bankrupt; or
- we must do so under any law, regulation, court order or ombudsman's instructions.
We may also end your subscription for other reasons, but we will give you at least one months' notice.
Complaints. If you wish to make a complaint about our services, you can get in touch with us by emailing help@clearscore.com.
If you want to make a complaint in connection with the Protect Plus cover, or in connection with any claim you make under that, please contact the Insurer directly. You can find out how to do this in the insurance section of the ClearScore app. If you send any complaint or claim to us, we will pass it on to the Insurer without dealing with it.
You can address written complaints regarding the Protect Plus cover in relation to a claim to the Insurer at:
- Post: Financial & Legal Insurance Company Limited, 5400 Lakeside Cheadle Royal Business Park, Cheadle, England, SK8 3GQ
- Email: nonmotorclaims@financialandlegal.co.uk
- Phone: 0161 492 1639
We may change these terms, our subscription plans and the price of our service from time to time and these changes will apply no earlier than 30 days following notice to you. If a change is advantageous to you or does not affect your rights or obligations with regards to Protect Plus, and it constitutes a mere update of information, we may choose to not notify you directly or provide less than 30 days’ notice of the update. Please check this page from time to time to take notice of any updates made to the information here. If we choose to notify you, we will do so by sending you an email notification, posting a notice on our website or app, or through the services, or in any other manner we deem appropriate.
Any information provided to you as part of our services is only as accurate, complete and up to date as the information supplied to us by you, the Credit Reference Agency, our Cybercheck Partners or other third party we use to obtain this information. We don’t check the information we receive from you or third parties for accuracy, currency or completeness.
We do not control your credit score or credit report and we cannot change that information for you. If you think the information provided about you on your credit report may be incorrect, you can dispute it with the Credit Reference Agency directly here. If you think any other information we have provided to you has been incorrectly displayed, please let us know as soon as possible by contacting help@clearscore.com.
We don’t assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to receive or store any user information, communications or personalisation settings. We may change the content or functionality of our apps, website or any other method which allows access to our services at any time. Their content may be out of date at any given time, and we are under no obligation to update it. We cannot guarantee that our website or apps or any content on them or provided as part of our services, will always be available, uninterrupted or error free.
If you are unhappy with how your complaint was dealt with, you can refer it to the Financial Ombudsman Service within six months of the date you received, or should have received, the final response to your complaint. Their address is: Exchange Tower London E14 9SR Phone from UK: 0800 023 4567 Phone from outside UK: +44 20 7964 0500 You can find more information on their website.