Privacy Policy
Last updated: 22 September 2026
This policy explains what personal information CleanSlate collects, why we collect it, who we share it with and what you can ask us to do about it. Our Cookie Policy covers cookies, and our Terms and Conditions cover the rules for using the Service.
1. Who we are
CleanSlate (“we”, “us”, “our”) is a trading name of CleanSlate Financial Limited, registered in Scotland (company no. SC880431), registered office 70 West Regent Street, Glasgow, Scotland, G2 2QZ. This policy explains what we do with your personal information when you use our website and app (together, the “Service”).
CleanSlate Financial Limited decides how the information described here is used and is responsible for protecting it. In data protection law, we are the “data controller”. You can reach us at info@cleanslate.co.uk or by writing to the address above.
We are registered with the Information Commissioner’s Office, registration number ZC123355.
CleanSlate Financial Limited (FCA reference number 1057271) is an Introducer Appointed Representative of ClearScore Everywhere Limited, which is authorised and regulated by the Financial Conduct Authority (firm reference number 662079). That means ClearScore Everywhere is responsible for what we do when we introduce you to them.
2. What we do, and what it means for your information
CleanSlate supports people who are in, or coming out of, a debt plan. We help you keep track of how your plan is going, find better deals on everyday bills, and, when it is right for you, see the credit and insurance products you could be eligible for through ClearScore, an FCA-authorised credit broker.
We are not a lender and we are not a credit broker. We do not give advice and we do not make recommendations.
The Service is free to you. If you take out a product through the panel, ClearScore receives a commission from the lender and CleanSlate receives a payment from ClearScore. We are not paid for your personal information, and we do not sell it.
Checking your eligibility uses a soft search, which is not visible to other lenders and does not affect your credit score. Only if you go on to apply will that lender carry out a full (hard) credit search, which is recorded on your credit file.
3. What we do not do
We think it helps to be clear about this up front.
- We do not sell your personal information to anyone.
- We do not add anything to your credit file.
- We do not charge you for our service.
- We will not introduce you to any credit product that the terms of your debt plan do not allow.
- We do not make decisions about you by computer alone where those decisions significantly affect you.
4. Information we collect
Depending on how far you go through the Service, we may collect:
- Identity details. Your name and, when we carry out your identity check, your date of birth and UK residency status.
- Contact details. Your email address and mobile number.
- Address history. Where you have lived over the last five years and when you moved in, which we need to complete your identity check.
- What brings you to us. The option you choose to describe your situation, such as struggling to keep up with payments or wanting to understand your options.
- Anything you write in your own words. What you are hoping we can help with, and, if you choose to tell us, how the difficulty developed.
- Your debt plan. What type of plan it is, when it started, how long it runs for, and what you agreed to pay and when.
- How your plan is going. Payments you have made, payments you have missed, payment breaks, arrears, and whether the plan has finished.
- What restrictions apply. Any limit your plan places on taking further credit.
- Your regular outgoings. Rent or mortgage, car finance, utilities, broadband, mobile and similar commitments.
- Technical and usage information. Your device type, browser, IP address and how you move through the Service.
Some of this applies only if you are in, or have been in, a debt plan.
We ask only for what we actually need. If you do not give us the information we ask for, we may not be able to verify your identity or introduce you to ClearScore, and your application cannot go further.
5. Where your information comes from
We get your information:
- Directly from you, when you fill in a form, create an account or contact us.
- From the company you went to for debt advice, or another partner you already work with, where you agreed that they could share your information with us. This applies whether or not you went on to start a debt plan. We tell you which company this is when you sign up, and you can see it at any time in the app.
- Automatically from your device when you use the Service.
6. Why we use your information, and our lawful basis
Data protection law requires us to have a lawful basis for everything we do with your information. Ours are:
| What we use it for | Why we are allowed to |
|---|---|
| To create and run your account and keep you signed in | Necessary to provide the Service you asked us for |
| To support you through your debt plan, including tracking how it is going and helping you reduce your bills | Necessary to provide the Service you asked us for |
| To verify your identity and carry out anti-money-laundering checks | To meet our legal and regulatory obligations, and with your explicit agreement where we ask for it |
| To let you know about, and introduce you to, products you could be eligible for through ClearScore | Your consent. This is marketing, and you can stop it at any time. See section 11 |
| To understand what helps people complete a debt plan, and to improve the support we offer | Our legitimate interest in improving the Service, weighed against your rights. See section 8 |
| To contact you about your application and send you important updates about the Service | Necessary to provide the Service, and to meet our regulatory obligations |
| To keep the Service secure and prevent fraud and misuse, and to understand and improve how the Service is used | Our legitimate interest in running a safe and working service, weighed against your rights |
| To set analytics cookies and record how you move through the Service | Your consent, which you can withdraw at any time |
| To deal with enquiries, complaints and legal claims | Our legal and regulatory obligations, and our legitimate interest in defending our position |
Where we rely on a legitimate interest, you can object to what we are doing. See section 16.
7. Information that needs extra care
When we ask what brings you to us, and when you describe your situation in your own words, you may end up telling us something about your health, or about another difficult personal circumstance such as a bereavement, a relationship breakdown or losing your job. Data protection law calls information about health “special category” information and holds it to a higher standard.
We use it only where you have given your explicit consent or where the law otherwise allows it, and we ask for no more of it than we need. Those fields are there so we understand your situation. Please tell us only as much as you are comfortable with, and leave out anything you would rather not share.
8. How we use information to improve what we offer
We look at how people get on, including how debt plans go over time, to understand what helps. This is how we improve the support we give everyone.
We do this work on a separate copy of the information, held apart from the information we use to run your account day to day, and with your name and contact details removed.
We use what we learn in two ways. To improve the service generally, and to work out what kind of support is likely to help you specifically.
If you ask us to stop using your information for this, we will remove you from any future work of this kind. We cannot undo work we have already done, because the results are not held against individual people.
9. Decisions about you
We use models to work out what support is likely to help you, and whether an introduction to ClearScore is likely to be useful.
A person is always involved in any decision that significantly affects you. You can ask us to look at a decision again, tell us your point of view, and ask a person to review it.
Lenders make their own decisions about you. Those are their decisions, not ours, and their own notices explain how they work.
10. Information about other people
If you give us personal information about someone else, please make sure they are happy for you to do so and that they know what this policy says. We will use their information in the same ways described here.
11. How we contact you
While we are dealing with your application we need to be able to reach you, so we will contact you about it by email, text message or phone. You cannot opt out of these messages while we are providing the Service to you, because without them we cannot do what you asked us to.
Separately, we may send you news about CleanSlate, and let you know about products you could be eligible for through the companies we work with. That is marketing, so we only do it where you have agreed to it, and you can stop it at any time. Use the unsubscribe link in any message, or email info@cleanslate.co.uk. Stopping marketing messages does not stop the messages about your application.
Please keep your contact details up to date, so that what we send reaches you and not somebody else.
12. Who we share your information with
We share your information with:
- ClearScore Everywhere Limited, when you ask us to check your options, so it can run the eligibility check. From that point ClearScore is a data controller in its own right and handles your information under its own privacy policy. Please read it before you go ahead. If we start working with other companies in the same way, we will list them at cleanslate.co.uk/partners and tell you which one applies to you before we introduce you.
- The lender or provider of any product you choose to apply for. From that point you are dealing with them directly, under their own terms and privacy policy. They may use information from us about how your debt plan has gone, alongside information they get from credit reference agencies, when deciding what to offer you. This sits alongside your credit file. We do not add anything to your credit file.
- The company you went to for debt advice, where we send information back to them about how you are getting on.
- Identity and anti-money-laundering check providers, who confirm that you are who you say you are.
- Service providers who help us run the Service, including hosting and IT, email and messaging, and customer support, under contracts that require them to protect your information and use it only on our instructions.
- Google and Microsoft, if you accept analytics cookies. See our Cookie Policy.
- Regulators, law enforcement, fraud prevention agencies, courts and our professional advisers, where the law requires or allows it.
We do not sell your personal information and we do not use it for advertising. If fraud is detected, your information may be shared with fraud prevention agencies, and that can affect your ability to obtain certain services in future.
13. Sending your information outside the UK
Some of the organisations listed above handle information outside the UK, including in the United States. Where that happens, we make sure it is protected to the standard UK law requires, for example through contract terms approved for that purpose, or because the country is one the UK has decided offers an adequate level of protection.
14. How long we keep your information
We keep your personal information only for as long as we need it for the purpose we collected it for, and then delete it or anonymise it so it can no longer be linked to you.
How long that is depends on the information:
| What | How long |
|---|---|
| Identity and anti-money-laundering records | Five years from the end of our relationship with you |
| The information we receive to run your account and support you | While we are supporting you, and for up to twelve months afterwards |
| Information we work out from it | Six years from the end of our relationship with you |
| The record of what we did, including your choices, any introduction we made and why | Six years from the end of our relationship with you |
| Information used to improve what we offer, as described in section 8 | Twenty-four months from when we receive it |
| An application you start and never finish | Twelve months |
You can ask us to delete your information sooner at any time. We will do so unless we are legally required to keep it, and we will tell you if that is the case.
15. Security
We protect your information with measures that include:
- Role-based access, so only people who need your information can reach it.
- Encrypted connections between your device and the Service.
- Signing in with a one-time code sent to your email address, so there is no password to guess or reuse.
- Security monitoring and regular review of who has access.
- Secure deletion once information is no longer needed.
- Written security policies and staff awareness training.
No system is completely secure, so we cannot promise absolute security. If something does go wrong and your information is at risk, we will tell you and the Information Commissioner’s Office where the law requires it.
16. Cookies and analytics
We use cookies to keep the Service working, to remember the choice you made about cookies, and, only if you agree, to understand how the Service is used. This includes recording how you move through the pages so we can see where people get stuck. Nothing optional is stored on your device before you choose.
Our Cookie Policy lists every cookie we set, what each one does, who sets it and how long it lasts, and lets you change your choice at any time.
17. Your rights
You have the right to:
- Ask for a copy of the personal information we hold about you.
- Ask us to correct information that is wrong or incomplete.
- Ask us to delete your information.
- Object to, or ask us to restrict, what we are doing with your information.
- Receive a copy of your information in a portable format, or ask us to send it to another organisation.
- Withdraw your consent, where we rely on consent.
- Stop us marketing to you. You can do this at any time and we will always act on it.
One place to stop things. You can tell us, or tell the company you went to for debt advice. Either way we will stop using your information for the purpose you have asked about, and we will confirm back to you. You do not need to work out who to contact.
Email info@cleanslate.co.uk to use any of these. We may need to confirm who you are first, and we will respond within one month. Once your information has passed to ClearScore or to a lender, you will need to exercise these rights with them as well, because they hold their own copy as their own controller.
18. Age
The Service is for UK residents aged 18 or over. We do not knowingly collect personal information from anyone younger.
19. Changes to this policy
We may update this policy from time to time. If we make a significant change to how we collect or use your information, we will let you know through the Service. The “Last updated” date at the top shows when it was last revised.
20. Contact us and complaints
If you have any questions about this policy or about how we handle your information, email us at info@cleanslate.co.uk or write to CleanSlate Financial Limited, 70 West Regent Street, Glasgow, Scotland, G2 2QZ.
If you are unhappy with how we have handled your information, please tell us first so we can put it right. You also have the right to complain to the Information Commissioner’s Office at ico.org.uk/make-a-complaint or on 0303 123 1113.