This is a simple overview of how we use your information.
It does not replace the full details in the rest of this Privacy Policy.

• Who we are
  We are Clearwise Limited trading as Clearwise, a UK company that publishes expert‑led guides and connects visitors with companies ("Partners") who may be able to help.

• What we do with your information
  We use your information so we can:

  • run our Website and improve our guides

  • understand your situation and match you with a suitable Partner

  • share your details with that Partner so they can contact you

  • contact you ourselves about your enquiry and related services

• What information we collect
  We collect information when you browse our Website, fill in our forms, or speak to us. This can include:

  • your contact details (name, phone, email, postcode)

  • information about your home, money and general situation

  • more sensitive details, such as health, lifestyle and life‑event information, when they are relevant to your enquiry

• Sensitive ("special") information
  Some information you choose to give us (for example about your health or care needs) is classed as special category data. We only use this:

  • when it is genuinely needed to understand your situation and help match you to a Partner

  • when you have clearly agreed that we can use it (your explicit consent)

• Calls may be recorded
  If you speak to us on the phone, the call may be recorded for:

  • training

  • checking quality

  • dealing with complaints
    We tell you at the start of the call if it is being recorded.

• How we use cookies, ads and analytics
  We use cookies, pixels and similar tools to:

  • understand how people use our Website

  • improve our content and forms

  • show you Clearwise adverts on other sites (this is called retargeting)

  • create custom and lookalike audiences on platforms like search and social media, so we can reach people who may be interested in our guides and services
    You can control many of these cookies and tools through our cookie banner and your browser settings.

• Who we share your information with
  We may share your information with:

  • Partners we introduce you to, so they can contact you about your enquiry

  • our trusted service providers (for example hosting, analytics, advertising and call-handling services)

  • our parent company Inbound Limited and, where relevant, other group companies for reporting and internal management
    We do not sell your personal information.

• How we follow up with you
  If we connect you with a Partner, we may contact you:

  • to check whether they reached you

  • to ask if you chose to use them and how your experience was
    This helps us improve the quality of our Partner recommendations.

• Contact about related services
  If you ask us to help with a topic (for example equity release), we may also contact you to ask if you want to hear about related services or topics, where the law allows this. You can tell us at any time if you want us to stop.

• Where your information is stored
  Most of the time your information is stored in the UK or Europe. Some of our service providers may store data in other countries (for example in the US). When this happens, we use safeguards such as approved contracts to protect your information.

• How long we keep your information
  We keep your information only for as long as we need it:

  • to deal with your enquiry

  • to meet legal and regulatory requirements

  • to keep reasonable records of how we have used your information
    After that, we delete it or anonymise it. (The exact timescales are explained in the full policy.)

• Your choices and rights
  You have rights over your information. You can:

  • ask for a copy of your information

  • ask us to correct information that is wrong

  • ask us to delete your information in some cases

  • ask us to stop using your information for certain reasons

  • object at any time to direct marketing

  • withdraw your consent where we rely on it (for example for some marketing or sensitive data)

• How to contact us or complain
  If you have questions or want to use your rights, email privacy@clearwise.com.
  If you are unhappy with how we use your information, you can also complain to the Information Commissioner’s Office (ICO) in the UK.

2.1 Who we are

Our website at clearwise.com and any sub‑domains (together, the "Website") is operated by:

Clearwise Limited TA Clearwise
Company number: 14807163
Registered address: Jubilee House, East Beach, Lytham St Annes, FY8 5FT, United Kingdom

Clearwise Limited is part of a wider group, with Inbound Limited as its parent company.

2.2 How to contact us

If you have any questions about this Privacy Policy or our Website, you can contact us via:

• Form: Here

• Email: privacy@clearwise.com

• Post:
  Privacy Team
  Clearwise Limited
  Jubilee House, East Beach
  Lytham St Annes
  FY8 5FT
  United Kingdom

3.1 Information you give us directly

You may give us information when you:

• browse our Website and choose to contact us

• complete one of our forms to request a call or introduction to a Partner

• ask to "speak with an expert"

• speak to us by phone (including where we call you back – calls are recorded)

• email us or use another contact method

This may include:

• Contact details

  • your name

  • your phone number

  • your email address

  • your address or postcode

  • your preferred contact times and methods

• Information about your situation and needs – which can include:

  • financial information – for example, income bands, savings and investments, property value, mortgage details, debts or other money matters relevant to your enquiry

  • health information – for example, health conditions, disabilities, care needs or other health issues that may affect the service you’re asking about

  • lifestyle information – for example, living arrangements, employment status, caring responsibilities or retirement plans

  • life events or issues – for example, bereavement, divorce, moving home, planning for care, or other significant changes that are relevant to the services or advice you are seeking

Some of this information, especially health information and similar details, is treated as "special category" data under data protection law. When you choose to provide this type of information in our forms or during calls:

• we only use it where it is necessary to help understand your situation and connect you with a suitable Partner

• we rely on your explicit consent to process this special category data, which we ask for clearly when you submit the form or continue with your enquiry

You may also give us:

• information in any free-text boxes on our Website

• information you share during calls or email exchanges with us

3.2 Information we collect automatically

When you visit our Website, we automatically collect some technical and usage information, such as:

• your IP address

• device type, operating system and browser type

• the pages you visit and how long you stay on them

• where you came from (for example from a search engine or advert)

• how you move around our Website

We collect this using cookies, pixels and similar technologies to help us understand how people use our Website and to show relevant adverts for Clearwise on other sites (retargeting). You can find more detail in our Cookie Policy.

3.3 Information from Partners or service providers

If we introduce you to a Partner, they may send us limited information back (for example whether they were able to contact you, whether you decided to use their services, and general feedback about lead quality). We use this to:

• understand how well our service is working

• improve our Partner recommendations and lead quality in future

We may also receive technical or analytics information from service providers (for example website hosting, analytics or advertising platforms) to help us understand website and marketing performance.

UK data protection law requires us to have a legal reason ("lawful basis") for using your personal information. The main ones we rely on are:

• Contract – where we need your information to provide a service you request (for example, matching you with a Partner).

• Legitimate interests – where we use your information in ways that are reasonable and expected, and which have a limited impact on your privacy, and we have considered your interests and rights.

• Consent – where we ask you clearly and you agree (for example, for some marketing or certain cookies, and for special category data such as health information).

• Legal obligation – where we must use your information to obey the law.

Below is how this works in practice.

4.1 To run our Website and keep it secure

Legal basis: legitimate interests (running and protecting our business and Website)

We use your information to:

• provide our Website and content

• maintain and improve the performance of our Website

• keep our systems secure (for example, detecting unusual traffic or abuse)

4.2 To provide guides and general information

Legal basis: legitimate interests (providing helpful information to visitors)

We use anonymised or aggregated usage data to understand:

• which guides are popular

• where people may be confused or need clearer explanations

This helps us keep content useful and up to date, while recognising that we cannot guarantee it is always complete or current.

4.3 To match you with a Partner and handle your enquiry

Legal basis: contract (or steps taken at your request before entering a contract), and legitimate interests; explicit consent (for special category data)

If you ask us to connect you with a Partner (for example, by completing a form or speaking with us on the phone):

• we use the information you provide (including financial, health, lifestyle and life-event information where relevant) to understand your needs

• we select one or more Partners we believe may be suitable

• we share your enquiry details and contact information with the selected Partner(s), so they can contact you directly

We may also:

• contact you ourselves (by phone, email or SMS where allowed) to:

  • clarify your enquiry

  • check details

  • help you complete the form

  • make sure we recommend an appropriate Partner

When you speak with us by phone:

• the call may be recorded for training, quality monitoring, resolving complaints and evidential purposes

• we will tell you at the start of the call that recording is taking place

• recordings are kept only for as long as needed for these purposes (see section 7 for retention)

We use automation and AI mainly to route calls and support our team (for example, using hotkeys and call systems to connect you to a Partner). We do not make decisions that have legal or similarly significant effects on you based only on automated processing.

4.4 To follow up on Partner introductions and check your experience

Legal basis: legitimate interests

If we have connected you with a Partner, we may contact you to:

• confirm whether the Partner was able to reach you

• ask whether you decided to use their services

• ask how your experience was with that Partner

We do this to:

• improve the quality of our Partner recommendations

• monitor Partner performance and customer satisfaction

• manage our relationships with Partners and improve our service overall

You can tell us at any time if you no longer want these follow-up contacts.

4.5 To contact you about related services or topics

Legal basis: legitimate interests and/or consent

If you have asked to speak with a Partner, we may also:

• contact you in the Clearwise brand to see if you are interested in:

  • related topics (such as other health, money, energy or legal questions)

  • speaking to another Partner who offers a related service

We will always follow relevant rules on direct marketing (including phone, email and SMS rules), and you can tell us at any time if you do not want this type of contact (see sections 10 and 11).

4.6 Advertising, cookies and retargeting (including custom and lookalike audiences)

Legal basis: consent (for non-essential cookies and similar technologies), and legitimate interests (in some limited marketing cases, where permitted by law)

We use cookies, pixels and similar technologies to:

• understand how people use our Website

• improve our content and forms

• show you Clearwise adverts on other websites or apps if you have visited our Website

We also sometimes use your information (for example your email address, in hashed or encrypted form) to:

• create custom audiences on platforms like search and social media, so we can show Clearwise ads to people we already have a relationship with

• create lookalike audiences, where an advertising platform finds users who have similar characteristics to our existing visitors or customers

You can:

• manage your cookie choices through our cookie banner/settings and your browser settings

• object at any time to your data being used for custom or lookalike audiences by contacting us at privacy@clearwise.com

Where required by law, we ask for your consent before setting non-essential cookies.

4.7 To improve our service and run our business

Legal basis: legitimate interests

We may use your information to:

• analyse how visitors use our Website and forms

• test and improve our funnels, ads and matching logic

• monitor the performance of our Partners and campaigns

• analyse follow-up feedback to improve the quality of our Partner recommendations

• handle complaints and queries

We always consider your rights and expectations before using your information in this way.

4.8 To meet our legal obligations

Legal basis: legal obligation and legitimate interests

We may use and keep your information where needed to:

• obey laws and regulations

• respond to requests from regulators or law enforcement

• exercise or defend legal claims

We only share your personal information when we have a legal reason to do so and when it is necessary for our purposes.

We may share your information with:

5.1 Partners (the companies we introduce you to)

If you ask us to connect you with a Partner:

• we share your enquiry details and contact information with the Partner(s) we have recommended

• they will contact you directly to discuss your enquiry

Once we pass your details to a Partner:

• they become a separate data controller of your information

• they must explain how they will use your data in their own privacy notice

• they are responsible for complying with data protection law in their own right

5.2 Service providers

We use carefully chosen companies to help us run our business, such as:

• website hosting and maintenance

• analytics and performance tools

• advertising and retargeting platforms

• call handling and telephony services (including call recording and routing)

• email and SMS providers

• secure data storage and backup

These service providers act under our instructions and must keep your information secure. They are not allowed to use your information for their own purposes.

5.3 Group companies and our parent company

Clearwise Limited is part of a wider group structure. Our parent company is Inbound Limited.

We may share your information with Inbound Limited (and any other group companies from time to time) for:

• internal reporting and management

• financial planning and analysis

• improving group services, systems and processes

Where we do this, the group company will only use your information for these limited purposes and in line with this Privacy Policy.

5.4 Business changes

If we ever sell or restructure our business, we may share your information with potential buyers or merger partners, under confidentiality, so they can evaluate the transaction.

5.5 Legal and regulatory bodies

We may share your information where we are required or allowed to by law, for example with:

• regulators

• law enforcement

• courts

This will usually be to protect our rights, your rights, or those of others, or to investigate fraud or misuse.

Some of our service providers and advertising partners may be based outside the UK, or may store data on servers outside the UK (for example in the EU or the US).

Where this happens, we take steps to protect your information, for example by:

• using countries that the UK government says have adequate data protection laws, and/or

• using standard contractual clauses or other safeguards approved for international data transfers

We keep your personal information only for as long as we need it, for the reasons explained in this policy, and to meet our legal and regulatory obligations. After that, we will either delete it or anonymise it.

As a guide:

• Enquiry and Partner‑matching records

  • usually kept for up to 6 years after your last meaningful interaction with us, to help with queries, complaints, and legal or regulatory requirements.

• Call recordings

  • usually kept for up to 6 years for training, quality monitoring and evidential purposes, unless we need to keep them longer in relation to a dispute or legal claim.

• Marketing and communication preferences

  • kept while you remain subscribed or have not objected to marketing, and for a short period afterwards to record your preferences.

• Website analytics data

  • usually kept for up to 6 years, depending on the tools we use.

Exact retention periods may vary depending on the type of data and our legal obligations.

We use a range of technical and organisational security measures to protect your personal information, including, for example:

• encryption in transit (such as HTTPS)

• access controls and passwords

• secure hosting environments

• regular backups and monitoring

No system can be 100% secure, but we work to keep your information safe and review our measures regularly.

Our Website uses cookies and similar technologies (such as pixels and tags) to:

• make the Website work properly

• remember your choices (such as cookie settings)

• understand how visitors use the site

• show you relevant Clearwise adverts on other sites

When you first visit our Website, you will see a notice about cookies and may be given the option to accept or reject different types of cookies. You can change your choices at any time.

For more detail, please see our Cookie Policy.

We may use your contact details to send you information about:

• Clearwise guides, tools and content you might find useful

• services provided by our Partners or by other Partners in similar areas (for example, if you asked about equity release, we might ask if you would like information about other later-life or financial services)

We may also use your information to build custom and lookalike audiences on advertising platforms, so that our advertising is more relevant and efficient. Where we do this, we usually share your data in a protected form (for example hashed or encrypted) and in line with the platform’s rules.

We will only carry out direct marketing in line with data protection and e‑privacy laws and, where required, with your consent.

You can ask us at any time to stop using your information for direct marketing or custom/lookalike audiences. You can do this by:

• clicking "unsubscribe" in marketing emails (if we use them)

• telling us during a call

• emailing privacy@clearwise.com

We will still contact you with important service messages where needed (for example, about an ongoing enquiry or important changes to this Privacy Policy).

Under UK data protection law, you have a number of rights in relation to your personal information. These include the right to:

• Access – ask for a copy of the personal information we hold about you.

• Correction – ask us to correct information that is wrong or incomplete.

• Deletion – ask us to delete your information in certain cases (sometimes called the "right to be forgotten").

• Restriction – ask us to stop using your information in certain circumstances.

• Objection – object to our use of your information where we rely on legitimate interests, including objecting to direct marketing at any time.

• Portability – ask us to provide your information in a structured, commonly used and machine-readable format, or to transfer it to another organisation, where this applies.

• Withdraw consent – where we rely on your consent (for example for certain marketing or special category data), you can withdraw it at any time. This will not affect what we have already done with your data before you withdrew consent.

To exercise any of these rights, please contact us at privacy@clearwise.com or write to us at the address in section 1.

We may need to ask you for information to confirm your identity before we act on your request.

If you are unhappy with how we use your information, please contact us first so we can try to resolve the issue. You also have the right to complain to the UK Information Commissioner’s Office (ICO):

• Website: ico.org.uk

• Phone: 0303 123 1113

Our Website and services are designed for adults. We do not knowingly collect personal information from anyone under 18 years old.

If you are under 18, please do not submit personal information through our forms or ask to be connected with a Partner. If we learn that we have collected personal information from someone under 18, we will delete it as soon as reasonably possible.

We may update this Privacy Policy from time to time, for example if our services change or if the law changes.

When we do:

• we will change the "Last updated" date at the top of this page

• we may also show a notice on our Website or use other ways to tell you about major changes

We recommend you check this page from time to time to see the latest version.