We aim to help you take control over your own finances by helping you to access your credit report and credit score from Credit Reference Agencies. We let you do this free of charge. If you want to read up on what credit scores, credit reports and Credit Reference Agencies are, how they work and ways to improve your credit score, you can do that here.
We get this information from Credit Reference Agencies once a month on your behalf acting as your authorised agent and representative. That means that we procure this information on your behalf, as you could. By using our services you agree that we and credit reference agencies shall be entitled to rely on this authorisation and agency granted by you.
Presenting a credit report and credit score is subject to you passing appropriate identity authentication for security purposes. We’ll try to assist you if you fail the process, but we do not have to notify you of the reasons why it was not successful.
This information is procured through ‘soft searching’ your credit records.
When you click to search for credit offers on our website, we or our service providers will record a ‘soft credit search’ on your credit file, but this record will be invisible to other lenders. This means the soft search will not affect a lender’s decision whether or not to lend to you and it won’t affect your credit score.
You can opt out of soft searching if you want to by going on the ‘My Account’ section. But if you do opt out of this, we will not be able to show you offers that are specifically targeted to you and will only be able to show you generic ones, which may be less suited to your financial circumstances.
More information about the differences between a hard and soft credit search can be found here. If you decide to apply for a financial product, including one which you have seen on our website, the lender will usually conduct a hard credit search before accepting your application. Hard searches normally stay on your credit record for 12 months after the search is performed. Having multiple hard searches performed on your credit report may affect a financial service provider’s decision of whether to lend to you.
- As part of verifying your identity, we will carry out an authentication search against your credit information. This search will be carried out once at the time you register for our services
- Whilst you remain an active user of our services, we (or our third party service providers) will carry out searches against your credit information and, where applicable, your financial associates’ credit information in order to provide you with your credit score, credit report and relevant products.
We will hold your details and records on our systems and make this credit information available to you through our website. If there has been a relevant change or addition to information in your credit score or credit report, we may notify you by sending you an email.
We will undertake analysis and profiling of your credit information and, where applicable, your financial associates' credit information (and any other information provided by you or on your behalf). We may also make tools available to you so you can do this yourself. This is to assist you in being better informed about, understand and manage your credit position, and in order to identify and inform you of credit products that are likely to be suited to your circumstances or which we collect about you through our website, apps and your mobile devices. We will use your credit information and any other data you provide or make available to us for the purposes set out in these Terms, including our Privacy Notice.
We may also use your information (and, where applicable, that of your financial associates) to identify whether you may benefit from additional guidance concerning your credit score and steps you can take to improve your score.
You will only receive monthly updates to your credit score and credit report while you remain an active user of our services. If you do not log in to your account for more than 364 days, we will no longer consider you an active user and shall be entitled to stop providing you with monthly updates and close and delete your account. Before we delete your account we will send you an email to alert you of our intention to do so. If we delete your account, we may keep records or data relating to you in accordance with our Privacy Notice.
If you would prefer not to share your information with such third party service providers, you can opt out of this at any time here. But if you do opt out of this, we will not be able to show you offers that are specifically targeted to you and will only be able to show you generic ones, which may be less suited to your financial circumstances.
If you want us to, we’ll use this information to match you with tailored offers for credit and financial products. The offers won’t be from us, they’ll be from other financial services providers and you don’t have to accept these. We aim to present only economically advantageous products that you have a strong likelihood of being accepted for based on the merits of the product and your profile. Some might save you money, others might not. The key thing to remember is that you need to make your own decision about whether any offers are right for you. We don’t have all the information about you or your individual financial situation and we are not providing you with financial advice.
Third party lenders will use their own criteria in making decisions about you. Any decisions you make on the basis of your credit score or credit report, or any other information we provide or make available to you, are purely your own choice.
Please ensure that you have fully read and understand any relevant information, such as the credit provider's terms and conditions, which provide full details of the risks involved with any decision you make. You may wish to consider obtaining professional or specialist advice before taking, or refraining from taking, any action on the basis of the content on our website or any other information we provide or make available to you.
ClearScore offers a price comparison service that can be used to find out whether you could save money on some types of insurance, or on a range of other services or products.
You may only use our service if you wish to find competitive prices for a product or service on your own behalf.
In order to get a quote through our price comparison service, you will need to answer some questions on our site needed by all the different product or service providers and any intermediaries they may use. The answers you give will determine the products or services available to you and the amount you will pay. You must get permission from any other people whose details you propose to use in requesting a quote. If you submit another person's details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used.
You are solely responsible for ensuring that all information you provide us with is true, accurate and complete and you agree to the assumptions we make. If you do not provide accurate information this could lead to your selected product being invalid and claims may not be paid. You agree that we cannot be held responsible if your selected product is invalid as a result of you providing incorrect information, to us or your selected provider.
As we work with a large number of providers it is important that you read the provider’s terms and conditions, and that you read all documents issued to you by your selected provider and ensure that you are aware of any levels of cover, financial limits and any other terms that apply. If any information is not correct, it is your responsibility to identify the mistake and correct this with the provider directly.
To access our services, you will need to create a username and password. You agree to keep confidential the password and any other login details you use to access our services or engage in any disputes process and not to disclose such passwords and other login details to anyone else. If you know or suspect that someone else has your login details and password you must contact us immediately and change your password. We will not be responsible for any activity performed using your login details unless we have acted negligently or in breach of these Terms.
Companies change their prices and amend their rates on a regular basis. Any price quoted to you will be accurate at the time of issue, and may change if your quote is resubmitted.
Two-Factor Authentication (“2FA”) is an optional additional layer of security on your ClearScore account. When you enable 2FA on your account, an extra step is added to the login process. We’ll send a code to your mobile number via SMS which you will be required to enter to account, in addition to entering your password.
If you have enabled 2FA and cannot access your ClearScore account, please contact us through email@example.com and we will assist, if possible. You understand that we may require you to verify your identity before we can reinstate access to your account.
What is ClearScore Protect? All ClearScore customers who have a verified email address associated to their account can benefit from our ClearScore Protect service, which we provide free of charge. ClearScore Protect is a cyberbreach monitoring service (or “cybercheck”) that helps you to identify whether your details associated with your nominated email address may have been compromised.
We provide this service to you in partnership with our Cyberbreach Partner, 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.
If you do not wish to receive the ClearScore Protect service, you must close and delete your ClearScore account by visiting the ‘My Account’ section and clicking on ‘Delete Account’. Please note that once deleted, your account cannot be recovered and you will not be able to access the information we may hold about you, or receive the other services we provide to you, through our website or app.
How it works. To provide you with the ClearScore Protect service, we share the verified email address associated with your account with Acuris on a quarterly basis. We provide the ClearScore Protect service solely for your benefit and the email we use to provide you with the ClearScore Protect service must be verified and connected to an email account that is operated and controlled by you.
Acuris cross-checks your email address against its proprietary database to identify whether there are any recorded instances of your account details having been compromised. Acuris undertakes every effort to maintain the quality and comprehensiveness of their database, but a complete database of all breaches does not exist. You acknowledge and understand that if Acuris does not return a result for you, it does not mean that your details have not been involved in a breach. Acuris uses your email address solely in accordance with our instructions and does not use it for any other purpose, including marketing.
We will notify you of the results of the cybercheck on a quarterly basis (“Notification”), typically by email and/or push notification, but we may also notify you of the results using any other means we deem appropriate. We may notify you of the results of the quarterly cybercheck even if there is no recorded instance of your account details having been compromised in the preceding quarter.
Service details. The ClearScore Protect service is not a live monitoring service and we will not notify you of cyberbreaches affecting your email account in real time.
ClearScore Protect is not a substitute for implementing appropriate security measures to protect your email account and your personal information (including secure, confidential passwords). You remain solely responsible for the security of your email account and the devices you use to access and use it.
Any decisions you make on the basis of the notifications you receive or the cyberchecks, or any other information we provide or make available to you, are purely your own choice. Notifications are provided for information purposes only and we are not responsible for any action taken in response to it. In particular, if a Notification indicates that your account details or other personal information is held by an unauthorised third party, on the “dark web” or elsewhere, we are not responsible for securing or procuring the deletion of that information.
We reserve the right to terminate the ClearScore Protect service at any time for any reason, but will endeavour to give you at least one months' notice.
We will hold a record of the cyberchecks conducted on your behalf and make this information available to you through our app and website.
As noted above, you are solely responsible for procuring the security or deletion of any information about you that is held by an unauthorised third party, on the dark web or elsewhere.
Services. You will be able to subscribe to a premium version of ClearScore Protect, called Realtime. If you do so, in addition to all the features in ClearScore Protect you will also benefit from:
- Daily Cyberchecks – we will conduct daily checks of your named 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 6pm)
Subscription Fee. As a subscriber of Protect Realtime, you will be able to enjoy the services described above for £2.99 per month.
Payment. When you become a Protect Realtime 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 Realtime subscriber.
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 by emailing firstname.lastname@example.org from the email associated with your 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 Realtime service through the end of your billing period.
We may end your Protect Realtime subscription immediately if:
- we suspect you are behaving fraudulently;
- our Cybercheck Partner has 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 Realtime. 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.