Legal Pages

Protect Plus Terms

Effective from: 09/04/2021 7 min read

The Protect Plus Terms and Conditions in this document set out the rules which cover our relationship with you in relation to your Protect Plus Service subscription. They explain our responsibilities and yours, and how you can use our services.

These apply to you if you have subscribed for the Protect Plus Service 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 also apply to Protect Plus. If these Protect Plus Terms are inconsistent with our main ClearScore Terms and Conditions, then these Protect Plus terms will apply. You should read these terms along with our ClearScore Privacy and Cookie Policy, which explain how we use your personal information when you use our services.

As part of our Protect Plus Service, we will be providing you with the Protect Plus Fraud insurance cover for which we will act as an agent for the insurer. ClearScore is authorised and regulated by the Financial Conduct Authority, registration number 654446.

Services. If you have subscribed to the premium version of ClearScore Protect called Protect Plus, in addition to all the features in ClearScore Protect you will also benefit from:

                              ✔ Daily Cyberchecks – we will conduct daily checks of your personal email address(es) and will notify you of any breaches

                              ✔ Dedicated Fraud Case Management – our dedicated fraud experts will be on hand to assist you (available from 7am to 5pm)

                             ✔ Additional email checks – we will monitor two additional personal email addresses of your choice

                             ✔ Results for additional data fields - the cybercheck will also display results for leaked names, date of birth, addresses, phone numbers and National Insurance number

                             ✔ Daily credit report updates - we will monitor your Equifax credit report on a daily basis for any indication of fraud

                             ✔ Deep web personal data monitoring - we will monitor various deep web resources for your personal data via PIPL on a monthly basis 

                            ✔ Cost of protective registration  – if you fall victim to identity fraud, we will cover the cost of a protective registration with CIFAS worth £25

                            ✔ 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 which, among others, includes C6 Intelligence Information Systems Limited (t/a “Acuris”). You may find out more about how they process information about you in their Privacy & Processing Policies which can be found here and here.

Subscription Fee. As a subscriber of Protect Plus, you will be able to enjoy the services described above for £4.99 billed monthly or £49.99 billed annually.

Payment. When you become a Protect Plus subscriber, we will ask you to pay the subscription with a debit card or credit card. 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 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.

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 does not affect your rights or obligations in regards to ClearScore Protect, and it constitutes a mere update of information, we may choose to not notify you directly.

Provider details. Your Protect Plus cover is provided by Financial & Legal Insurance Company Limited, No.1 Lakeside, Cheadle Royal Business Park, Cheadle, Cheshire, England, SK8 3GW (registered 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”).

You can find the details of your cover in the Insurer’s Terms and Conditions.

How it is provided to you. With regards to insurance products bundled with the Protect Plus subscription, ClearScore is acting as an agent for Blink Innovation (UK) Limited, a company registered in England and Wales with company number 10257192 authorised and regulated by the Financial Conduct Authority (FRN 790304). Blink acts as an intermediary for the Insurer and has the ability to authorise ClearScore to bind the Insurer as an agent.

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. Blink 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 Blink 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 Blink without dealing with it.

You can address written complaints regarding the Protect Plus cover in relation to a claim should to CPP Secure at:

ClearScore Insurance Complaints PO Box 1419 Sunderland SR5 9RN

Alternatively, you can also email CPP Secure at: complaints@cpp.co.uk

Or call CPP Secure on telephone number: 0333 207 4388

We may change these terms, 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 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. 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.