Terms and Conditions

1. About these terms

These Terms and Conditions (“Terms”) govern your use of the CleanSlate website and app (together, the “Service”). By using the Service you are taken to have read these Terms and to accept them. If you do not accept them, please do not use the Service.

2. Who we are

CleanSlate is a trading name of CleanSlate Financial Limited, registered in Scotland (company no. SC880431), registered office 70 West Regent Street, Glasgow, Scotland, G2 2QZ.

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.

3. What CleanSlate is, and what it is not

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 financial, debt or credit advice, and we do not recommend any product to you. Nothing in the Service is advice tailored to your circumstances. Free and impartial debt advice is available from MoneyHelper, and if you need regulated advice you should speak to a suitably qualified adviser.

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. This does not affect what you pay or the order in which products are shown to you. Further details are available on request.

4. Who can use the Service

The Service is intended for residents of the United Kingdom who are aged 18 or over. You must not use the Service on behalf of someone else without their permission.

5. Your account

Some parts of the Service require an account. You must give us accurate information and keep it up to date, keep the sign-in codes we send you to yourself, and tell us straight away if you believe someone else has access to your account.

We may suspend or close an account where we reasonably believe it has been compromised, or where the information given to us is inaccurate or misleading.

6. Eligibility results are an indication, not an offer

An eligibility check tells you which products you could be considered for, based on the information you give and each lender’s own criteria. It is not an offer of credit and it does not guarantee acceptance.

Checking your eligibility uses a soft search, which is not visible to other lenders and does not affect your credit score. If you go on to apply, that lender will carry out a full (hard) credit search, which is recorded on your credit file. Every lender makes its own decision after its own affordability assessment.

7. Introductions to ClearScore and other providers

We may let you know about products you could be eligible for through ClearScore, and where you tell us to go ahead, we introduce you. You do not have to accept, and you can tell us to stop contacting you about this at any time.

Anything that follows, including the comparison you see, any application you make and any product you take out, is between you and ClearScore or the relevant lender or provider, on their terms and under their privacy policies. Please read them before you go ahead.

We are not responsible for third-party products or services, for the decisions lenders make, or for the terms they offer. We take care in choosing who we work with, but an introduction is not a recommendation and does not mean a product is suitable for you.

8. If you are still in a debt plan

Using the Service has no effect on an arrangement you already have or on your relationship with the firm managing it.

Most debt plans limit the credit you can take while the plan is running. In an individual voluntary arrangement or a protected trust deed, that limit is normally £500. We ask the firm running your plan to tell us what limit applies to you, and we do not introduce you to anything outside it. If we have not been told what your limit is, we will not introduce you at all.

That is a safeguard on our side, not a replacement for your own obligations. Your plan is an agreement between you and your creditors, so you should speak to your Insolvency Practitioner or trustee before taking out credit while it is running.

9. Acceptable use

When using the Service you agree not to:

• Use the Service for any unlawful or fraudulent purpose, or give us information you know to be false.
• Attempt to gain unauthorised access to the Service, its systems or another person’s account.
• Interfere with the operation of the Service or with other users’ use of it.
• Copy, scrape or reverse-engineer any part of the Service except where the law allows it.

10. Our content

The Service, including its design, text, graphics, images and software, is owned by us or our licensors and is protected by copyright and other intellectual property rights.

You may view pages on screen and print or download extracts for your own personal use, and pass such an extract to another person, provided the extract is for that person’s own personal use, is not included in another work, website or publication, is not supplied directly or indirectly for commercial gain, and the person is told the source is this Service and that these Terms apply to them too.

No other part of the Service may be reproduced, transmitted to, or stored on any other website or in any other electronic form without our express written consent.

11. Availability and changes to the Service

We will make reasonable efforts to keep the Service available and running well, but we do not promise that it will be uninterrupted, free of delay or unchanged. In particular, we may take the Service down when we need to for maintenance.

We may change, suspend or withdraw any part of the Service at any time.

12. Accuracy of information

We will make reasonable efforts to keep the information in the Service correct and reliable, but we give no warranty, express or implied, as to its accuracy or completeness. The Service gives general information about CleanSlate and the products available through our partner. It is not an exhaustive account of any of the matters it covers, and eligibility results are a high-level indication only.

Before making any decision that could affect your finances, you are urged to take independent advice from a suitably qualified adviser.

13. Links to other websites

The Service may link to websites owned, operated and controlled by other people. We have no control over them and no interest in them, we give no warranty as to their quality, security, accuracy or anything else about them, and we exclude all liability arising from your use of them.

14. Messages you send us

We make every effort to deal with enquiries promptly, but we cannot guarantee that a query will always be answered within the timescale you would like.

We cannot guarantee complete confidentiality for anything sent over the internet, so please do not send us sensitive information, such as a password or full card details, by email or through an unsecured form.

15. Liability

Nothing in these Terms excludes or limits any liability that cannot be excluded by law, including liability for death or personal injury caused by negligence, or for fraud.

Subject to that, we are not liable for losses that were not foreseeable when you started using the Service, losses not caused by our breach of these Terms, or business losses such as lost profits or lost opportunity. We do not accept liability for decisions or opinions you form on the basis of using the Service, or for the acts or omissions of any third party you are introduced to. Decisions about your finances remain your own.

16. Your privacy

These Terms sit alongside our Privacy Policy and our Cookie Policy, which explain what we do with your personal information and what cookies we set.

17. Ending your use of the Service

You can stop using the Service and ask us to close your account at any time. We may suspend or end your access if you breach these Terms or misuse the Service. Ending your use of the Service does not end any agreement you have entered into with a lender or other provider.

18. Changes to these terms

We may change, add to or remove part or all of these Terms at any time. Please check this page from time to time. The “Last updated” date at the top shows when they were last revised, and continuing to use the Service after a change means you accept it.

19. Governing law

These Terms are governed by and shall be construed in accordance with the law of England and Wales, and the courts of England and Wales have jurisdiction over any dispute connected with the Service.

The United Kingdom has three separate legal systems, and nothing here takes away the protection the law of your own country gives you. If you live in Scotland, the law of Scotland applies to these Terms and you may bring proceedings in the Scottish courts. If you live in Northern Ireland, the law of Northern Ireland applies and you may bring proceedings in the Northern Irish courts.

20. Complaints

If you are unhappy with the Service, email us at info@cleanslate.co.uk or write to CleanSlate Financial Limited, 70 West Regent Street, Glasgow, Scotland, G2 2QZ. Tell us what has gone wrong and we will try to put it right.

Where your complaint is about an introduction we made, ClearScore Everywhere Limited is responsible for that part of what we do. We will pass your complaint to them and tell you when we have.

21. Contact us

If you have any questions about these Terms, email us at info@cleanslate.co.uk or write to us at the address above.