Free credit report, App and credit & mortgage broking marketplace.

An eligibility checking service and credit & mortgage broking marketplace.

Provision of advice for regulated mortgages (first and second charge) with the option to be introduced to mortgage loan providers.

To offer our services as set out above. Depending on the services sought will depend on what data is processed.

Full name; title; previous name; date of birth; marital/ relationship status; email address; telephone number; residential address; address history; dependents; employment status and employer; income & expenditure; name of bank; bank statements; payment card details; bank account details; current debts; financial commitments; savings; benefits; Passport details; property value; deposit amount and borrowing requirements; monthly rental income; mortgage details, credit score and credit report. And in certain cases, insurance claim history, lifestyle questions and health conditions, device and IP address; cookies where applicable.

All ClearScore companies listed above yet only where applicable. Certain data will be used depending on the service sought.

6 years from the date you cease to be a user of our services . In cases where you are a user of our subscription services, this will be 7 years

Marketing our own products and services by way of email, SMS in app messaging and also providing you with alerts. For example, when we believe there is another suitable product you could apply for.

Email address and telephone number or where applicable, inputs as part of your eligibility check for example, a loan amount or data related to your ClearScore app for example name and ClearScore unique ID number. Non-essential Cookies.

All ClearScore companies listed above

On-going unless withdrawn or no contact in the past 12 months

Performance Max marketing (PMAX) (see processor table below)

Non-essential cookies

All ClearScore companies listed above

On-going unless withdrawn or no contact in the past 12 months

Service communications (administering your account, maintain the relationship etc.)

Email address, telephone number and where specified, address.

All ClearScore companies listed above

6 years from the date you cease to be a use of our services

Service communications on behalf of the third parties we work with including for example: scope of service or terms and conditions etc.

Relevant service specific data

All ClearScore companies listed above

6 years from the date you cease to be a use of our services

Data analytics to undertake analytics and product development to continually improve the services we offer

Products you viewed or searched for; length of visits to certain pages and page interaction (such as scrolling, clicks and mouse-overs) as well as service specific data.

All ClearScore companies listed above

6 years after you cease to be a user of our services. Data will be anonymised after this time.

Profiling: analysis and profiling in order to provide comparison and eligibility services.

Products you viewed or searched for; length of visits to certain pages and page interaction (such as scrolling, clicks and mouse-overs) as well as service specific data.

All ClearScore companies listed above

6 years after you cease to be a user of our services. Data will be anonymised. after this time.

The running of the website and or app to aid in the services we offer

Cookies (see Cookie Notice); IP address; Uniform Resource Locators (URL); browser type and version; time zone setting and location; browser plug- in types and versions; operating system and platform and other technology on the devices used to access the website; page response times; download errors; length of visits to certain pages and page interaction (such as scrolling, clicks and mouse-overs) and methods used to browse away from the page and any phone number used to call our customer service number.

All ClearScore companies listed above

6 years after you cease to be a user of our services. Data will be anonymised after this time

Call recordings

All calls and their contents to the ClearScore group will be recorded and as such, will concern relevant service specific data.

All ClearScore companies listed above

6 years from the date you cease to be a user of our services

Discussion boards, competitions, surveys, interviews including via online and questions on our website.

Relevant service specific data

All ClearScore companies listed above

6 years from the date you cease to be a user of our services

Issues, problems, disputes or Data Subject Access Requests.

Relevant service specific data, this may also include the transfer and receipt of data derived from a third party. For example, in the event a firm is linked to a dispute raised

All ClearScore companies listed above

6 years from the date you cease to be a user of our services

Soft credit check

Where you decide to use our credit brokering services. A soft credit check means that it has no impact on your credit rating and is not visible to anyone other than you.

ClearScore Technology Limited; ClearScore Everywhere Limited and ClearScore Home Lending Limited

NA

Disputes raised about the accuracy of information with a third-party lender/provider and/or Credit Reference Agencies

Full name; email and details of the dispute. This will also include the transfer of and receipt of data from the named Credit Reference Agency and or third-party lender/provider

ClearScore Technology Limited

6 years from the date you cease to be a user of our services

Third parties that make up the panel of financial services providers within this website (Banks, insurance providers, lenders, credit brokers etc.) and as part of this process we also receive data from Credit Reference Agencies.

Relevant service specific data

To assess your probability of being accepted for a product based on the information you’ve provided to us and in turn for us to be able to show you any prospective offers either online or in the app.

30 days

Third parties that make up the panel of financial services providers within this website. This also includes through the use of other third parties such as Credit Reference Agencies.

Relevant service specific data

Where you are a user of our app, we will process your data to assess whether you are eligible for pre-approved offers based on the information shared against product provider criteria. Pre-approval is dependent on the accuracy of your information and any changes made to this information directly with the product provider can lead to a change in this pre-approved status, and you would still need to apply with the product provider who may run a hard search and verify your information before making any offer.

30 days

HD Decisions (credit broker who works with: AMEX, Barclaycard, Barclays, Vanquis, M&S, Tesco, HSBC, Santander, Nationwide, Vanquis & MBNA.)

Relevant service specific data

To facilitate the transfer of data between the ClearScore platform and HD Decisions panel of lenders in order to facilitate eligibility checks for ClearScore customers. HD Decisions returns results of their panel by way of API.

30 days

Some of our services may offer to connect you to your bank account/s; this is known as ‘Open Banking’. Open Banking allows your bank account data to be seen by you and where you have provided consent, to be viewed by us and shared with other financial services companies who will then use it make decisions. Currently, we work with D.One and Consents Online to do this.

Relevant service specific data

For the purposes of facilitating Open Banking.

6 years from the date you cease to be a user of our services

Verifying your identity using biometric data to offer the services set out above. Currently we work with Persona and Onfido to do this, see below for more details -

Government issued ID (e.g. driver’s licence, Passport) and other "biometric data", such as a video or photo of your face.

To conduct a scan that may include the use of facial recognition technology (by way of ‘selfie’) so we can compare the video or photo you submit to your ID photo, to help confirm that you are who you say you are. We retain copies of your ID and any other biometric data so we can verify you in the future and for our record-keeping and fraud prevention purposes.

No longer than 1 year

Blueshift Inc.

Relevant service specific data

We use Blueshift as a database in which it both houses are customers marketing preferences including opt in and opt out as well as aiding with our internal marketing strategy.

6 years from the date you cease to be a user of our services or on-going where not opted out from marketing.

Braze

Relevant service specific data

We use Braze as a database in which it both houses are customers marketing preferences including opt in and opt out as well as aiding with our internal marketing strategy.

6 years from the date you cease to be a user of our services or on-going where not opted out from marketing.

Esendex

Telephone number

SMS communications facilitator and data base.

For the performance of the contract

Databricks

Relevant service specific data

Internal data management platform

6 years from the date you cease to be a user of our services

For our ClearScore Protect service, we currently work with:

Relevant service specific data

All our registered customers benefit from our ClearScore Protect service, upon email verification. To provide you with this service, we share the email address connected with your ClearScore account, and your passport number (if provided), with our Cybercheck Partners who use this information to identify whether any of your information may have been compromised.

Will only be kept for the time necessary to conduct the check after which it will be deleted.

Zendesk

Relevant service specific data

Zendesk is used as an internal customer relationship management tool.

6 years from the date you cease to be a user of our services

Nova

Relevant service specific data

Nova is used as an internal customer relationship management tool.

6 years from the date you cease to be a user of our services

Group Companies

Relevant service specific data

We may share your personal information with any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries for the purposes of providing our services.

6 years from the date you cease to be a user of our services

Google

Relevant service specific data

Analytics

6 years

Google

Relevant service specific data

Google Ad and Ad campaigns including:

6 years

71a – a third-party marketing agency

Full name; postcode; email address and age

Facilitation and administration of Google Ad campaigns; including PMAX. For example, we will share your personal information with 71a who work with advertising networks, including social media networks like TikTok, Meta/Facebook and platforms such as Google/YouTube and Amazon, for interest-based advertising or ‘targeted’ advertising campaigns including ‘lookalike audiences’. They select and serve relevant adverts, to you and others and to make sure their adverts reach their intended audience, help analyse our site, run contests, special offers, or other events or activities, and track metrics on our behalf or in connection with our Services.

6 years

Connex

Relevant service specific data

A third-party telephony platform

6 years from the date you cease to be a customer of our services

Nivo

Relevant service specific data

Instant messaging, administration tool.

6 years from the date you cease to be a customer of our services

Artificial Intelligence (‘AI’) -we currently use -

Relevant service specific data

We use Artificial Intelligence to help you get more from your credit information. When we say, "artificial intelligence", we mean technology that enables computers to perform tasks that usually require human input—like analysing data, spotting patterns or making predictions.

NA

Teleperformance

Relevant service specific data

To assist users with any queries they have.

6 years

Acre mortgage management software tool

Relevant service specific data

To aid ClearScore Home Lending with certain parts of the customer journey including a hard credit search

6 years

Third parties that make up the panel of providers (Banks, insurance providers, lenders, credit brokers etc.)

Relevant service specific data

To facilitate your request to be introduced and or take out a service

First charge mortgage providers

Relevant service specific data

Conduct of first charge account and consent to place a second charge on this first mortgage

Firm’s that make up ClearScore Everywhere’s Appointed Representatives:

Relevant service specific data

ClearScore Everywhere receives information from them in order for them to comply with the relevant parts of the Financial Services and Markets Act 2000.

Firm’s that make up ClearScore Everywhere’s Introducer Appointed Representatives:

Relevant service specific data

ClearScore Everywhere receives information from them in order for them both to provide the relevant services as set out above and in order for them to comply with the relevant parts of the Financial Services and Markets Act 2000.

Where you were either introduced to our services by way of another third-party provider, or in the event we have introduced you to another third-party provider we may receive and equally share your data in order to meet legal requirements or in order to meet any contractual obligations

Relevant service specific data

To assist with the complaint process

Third parties performing roles in fraud prevention and credit reference agencies

Relevant service specific data

For product development purposes and to evaluate new products and services

Regulators: ICO; FCA; ASA

Any data concerned with any visitor to our site. This may include those who took out products or not via our platform or those who merely entered partial details then left the site. This further includes customers who received advice from us and may have been introduced to other parties

To comply with the legal requirements placed on us as UK regulated companies

Law enforcement: NCA; Police etc.

Any data concerned with any visitor to our site. This may include those who took out products or not via our platform or those who merely entered partial details then left the site. This further includes customers who received advice from us and may have been introduced to other parties

To assist with criminal investigations; prevent fraud and money laundering.

Credit Reference Agencies To find out more about what Equifax and the other Credit Reference Agencies do with your data, please see links below:

If you register to use our services, we will obtain your credit score and credit report, including information such as debt information and balances, from one or more Credit Reference Agencies (CRA) on your behalf. Information which we provide to the CRA may be supplied by them to other organisations such as Fraud Prevention Agencies and used by those organisations for the purposes of checking identity, preventing fraud, tracing and collection of debt. The CRA may also use the data to undertake statistical analysis."

To offer our services as set out above.

Where you are a subscriber of Protect Plus, your data will be transferred to their respective third-party insurance provider which is:

Relevant service specific data

To offer the services set out above

Acre a mortgage management software tool

Relevant service specific data

To aid ClearScore Home Lending with certain parts of the customer journey including a hard credit search