This section is a plain‑English overview. It does not replace the full Terms below.

• Who we are
  Clearwise Limited trading as Clearwise ("Clearwise", "we", "us", "our") is a UK company that publishes expert‑led guides and connects visitors with selected Partners who provide services across health, money, energy, legal and related topics.

• What we do (in simple terms)

  • We publish free information and guides on our website.

  • If you want more help after reading our content, you can ask to speak with an expert or be contacted by a Partner via our multi‑step forms or phone.

  • We then use the details you provide to recommend a Partner and send your enquiry to them so they can contact you directly.

  • Our service is free for you. We are usually paid by Partners on a cost‑per‑lead or similar basis.

• We don’t provide professional advice ourselves
  Information on our website is general information only. It is not personal medical, financial, legal or other professional advice. Any decisions you make are your responsibility, and you should always consider getting advice from a suitably qualified and regulated adviser.

• Partners are independent from us
  Partners are separate companies. We are not a party to any contract between you and a Partner. We are not responsible for the advice or services they provide – that’s between you and them.

• Calls may be recorded
  If you speak to us by phone, the call may be recorded for training, monitoring, and to resolve complaints.

• Your data and privacy
  We collect and use your information as explained in our Privacy Policy and Cookie Policy, including:

  • details you provide in forms or on calls (which can include financial, health, lifestyle and life‑event information where relevant),

  • using cookies and similar technologies for analytics, retargeting and custom/lookalike audiences, and

  • sharing your details with selected Partners and, where relevant, our parent company Inbound Limited for internal reporting and management.

• Age and location
  Our website is meant for people aged 18 or over who are based in the United Kingdom.

• Product specific terms
  Please read any product-specific terms that can be found at the bottom of this page.

• If you don’t agree with these Terms
  If you do not agree to these Terms, please do not use our website and do not submit any forms or enquiries.

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.

In these Terms, references to "you" or "your" mean the person using our Website.

2.2 How to contact us

If you have any questions about these Terms or our Website, you can contact us:

• Form: Here

• Email: privacy@clearwise.com

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

2.3 What our Website does

Our Website:

• publishes expert‑led guides and articles across topics including health, money, energy and legal;

• offers tools such as multi‑step forms and, where relevant, calculators; and

• allows you to request contact from an expert or Partner, so that we can introduce you to a company which may be able to help.

2.4 Your agreement with us

By using our Website, including reading our content, submitting a form or asking us to introduce you to a Partner, you:

• accept these Terms; and

• agree to us using your information as described in our Privacy Policy and Cookie Policy.

If you do not agree with these Terms, please stop using our Website.

2.5 Other documents that apply

The following documents also apply when you use our Website:

• our Privacy Policy – explains how we collect, use and share your personal information;

• our Cookie Policy – explains how we use cookies and similar technologies.

If you go on to buy a product or service from a Partner, their own terms and conditions and privacy notices will apply to that relationship.

2.6 Changes to these Terms

We may change these Terms from time to time, for example if:

• our services change;

• we add or remove topics or Partner types;

• the law or regulatory guidance changes.

When we do:

• we will update the "Last updated" date at the top of this page; and

• we may also show a notice on the Website for significant changes.

Please check these Terms from time to time. If you keep using the Website after changes are made, we will take this as your acceptance of the updated Terms.

3.1 Guides and general information (not advice)

Our guides, articles and tools provide general information and education only. They are not:

• personal medical advice,

• personal financial advice,

• personal legal advice, or

• any other type of personalised professional advice.

We do our best to ensure the information is clear, based on expert review, and kept up to date. However:

• the information may not cover your individual situation;

• laws, regulations, prices and practices can change;

• there may be errors or delays in updating content.

You should always check important information and, where appropriate, get advice from a suitably qualified and regulated professional before making decisions.

3.2 Introducing you to Partners

If you ask us to connect you with a Partner (for example by submitting one of our multi‑step forms or clicking "Speak with an expert"):

• we will use the information you provide to understand your needs and preferences;

• we will select Partner(s) that we believe, in good faith, may be able to help;

• we will send your details and enquiry to those Partner(s);

• the Partner will usually contact you directly by phone, email, SMS or other agreed method.

We may also:

• contact you ourselves first (for example, to clarify your needs or confirm your details);

• call you and connect you directly to a Partner;

• follow up with you later to see if you used the Partner and to ask about your experience, so we can improve our service and recommendations.

You agree that:

• we may share your information with relevant Partner(s) for these purposes; and

• Partner(s) may contact you using the details you provide.

Partners are independent companies. We are not responsible for the advice or services they provide; this is a matter between you and the Partner.

3.3 How we are paid

Our service is free for you to use.

We are usually paid by Partners, for example on a cost‑per‑lead or revenue‑share basis when we introduce potential customers to them.

This does not change the price you pay to the Partner, but it does mean we have a commercial relationship with them.

From time to time, we may donate part of our revenue (for example, £1 per lead) to charity, such as Oxfam. We may change or end such donations at any time.

3.4 No personal recommendation or guarantee

Even where we suggest that a particular Partner may be suitable, this is not a personal recommendation or guarantee. It is based on:

• the information you give us; and

• the information and services our Partners tell us they provide.

You are responsible for:

• checking whether a Partner and their product or service are suitable for you;

• checking whether they are appropriately authorised or regulated;

• deciding whether to proceed.

We do not guarantee:

• that a Partner will accept you as a customer;

• that you will get the outcome you are hoping for;

• that the service will meet your expectations.

3.5 Phone calls and recordings

If you speak to us on the phone, including where we call you:

• the call may be recorded for training, quality monitoring, complaint handling and evidential purposes;

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

• recordings are kept only for as long as reasonably necessary for these purposes (see our Privacy Policy).

4.1 Who can use the Website

Our Website is intended for:

• people who are 18 or over; and

• primarily for people who are resident in the United Kingdom.

If you are under 18, please do not use our forms or ask to be introduced to Partners. If we learn that we have collected information from someone under 18, we may delete it.

If you access the Website from outside the UK, you are responsible for complying with any local laws.

4.2 How you may use the Website

You may use the Website:

• for your own personal use (which can include use for your household or your own business needs); and

• to read our content and, if you wish, ask to be introduced to a Partner.

You must not:

• use the Website for any illegal, fraudulent or harmful purpose;

• use the Website to compete with us or to build your own lead‑generation or similar service;

• copy, scrape or harvest large amounts of data from the Website;

• interfere with or disrupt the Website or any related systems;

• attempt to gain unauthorised access to our systems or to other users’ information.

We may suspend or block access to the Website if we reasonably believe you have breached these Terms or are misusing the Website.

4.3 Intellectual property and content

Unless we say otherwise:

• all content on the Website (including text, images, logos, graphics and layout) is owned by us or our licensors (such as our writers and other content providers);

• the name "Clearwise" and our logos are our trademarks.

You may:

• view pages on the Website on your device;

• print or download extracts for your own personal, non‑commercial use.

You must not:

• copy large parts of our Website;

• use our content to create your own database or service;

• remove any copyright or other proprietary notices;

• use our name or logos without our permission.

If you want to use our content in any other way, please contact us for written permission first.

4.4 Information and content you provide

When you provide information to us (for example via our forms, email or phone):

• you confirm that it is truthful, accurate and complete to the best of your knowledge;

• you confirm that you are allowed to give us that information (see also section 5.2);

• you give us permission to use it as explained in these Terms and in our Privacy Policy (including sharing it with relevant Partners).

If you give us feedback, suggestions or comments about the Website ("Feedback"):

• we may use that Feedback to improve our services;

• we are not obliged to pay you for that Feedback;

• we may use similar ideas which we have already developed or obtained from other sources.

4.5 Security and availability

We aim to keep the Website secure and available, but we cannot guarantee:

• that the Website will always be available or uninterrupted;

• that it will be free from bugs, errors or viruses.

You are responsible for:

• configuring your own devices and software to access the Website;

• using your own virus protection software and security measures.

We may suspend, withdraw, or change all or any part of the Website at any time, for example:

• to fix technical issues;

• to update content;

• to respond to legal or regulatory requirements;

• to remove or add topics or Partners.

5.1 Providing accurate information

You are responsible for providing true, accurate and complete information when:

• using our forms;

• speaking with us;

• asking to be introduced to a Partner.

If the information you give is wrong, incomplete or misleading:

• a Partner may not be able to help you;

• any quote, indication or advice you receive may be inaccurate;

• a product or service you later obtain might be unsuitable or even invalid.

5.2 Using other people’s information

If you give us someone else’s personal information (for example, a partner or family member):

• you must have their permission to share it with us; and

• you should encourage them to read our Privacy Policy.

5.3 Checking suitability of Partners and their products

It is your responsibility to:

• check whether a Partner’s product or service meets your needs;

• read the Partner’s own terms and conditions, privacy notices and other information;

• ask questions and seek clarification where needed;

• consider getting independent, professional advice.

We do not:

• review every detail of every product offered by every Partner;

• guarantee that any product or service is suitable for you;

• control or supervise the advice given or decisions made by Partners.

5.4 There may be other products on the market

We do not show or work with every possible provider or product in the market.

There may be:

• other Partners who could help you;

• other products or services that are more suitable for you;

• other prices or terms available directly from providers or through other websites.

You should not rely only on our Website when making significant decisions, especially decisions about your health, money, energy or legal affairs.

5.5 Third‑party websites and services

Our Website contains links to:

• Partner websites;

• other third‑party websites and resources.

We do not control these websites and we are not responsible for:

• their content or accuracy;

• their terms and conditions or privacy practices;

• any products, services or offers they provide.

If you choose to visit or use those websites, you do so at your own risk and should review their separate terms and policies.

6.1 What we promise

We will:

• provide our Website and introduction service with reasonable care and skill;

• use reasonable efforts to keep information accurate and up to date;

• take reasonable steps to protect your personal information, as explained in our Privacy Policy.

6.2 What we don’t promise

We do not promise that:

• our content is complete, error‑free or always up to date;

• the Website will always be available, uninterrupted or secure;

• any Partner or product we introduce will be suitable for your needs;

• any Partner will proceed with your enquiry or accept you as a customer;

• any particular outcome will be achieved (for example a specific saving, loan amount, legal outcome or treatment result).

6.3 Loss we are responsible for

Nothing in these Terms:

• excludes or limits our liability for death or personal injury caused by our negligence;

• excludes or limits our liability for fraud or fraudulent misrepresentation;

• removes any rights you have under UK consumer law that cannot be excluded.

If we fail to comply with these Terms, we are responsible for loss or damage you suffer that is:

• a foreseeable result of our breaking these Terms or our failing to use reasonable care and skill; and

• relates to your personal use of the Website.

6.4 Loss we are not responsible for

We are not responsible for:

• any loss or damage that is not foreseeable when you use the Website;

• loss or damage that is caused by your own breach of these Terms or your own actions;

• any loss or damage arising from your use of, or reliance on, any Partner or third‑party website or service;

• any business losses, including loss of profit, revenue, data, goodwill or opportunity;

• any loss or damage caused by viruses, malware or other harmful events where we have taken reasonable precautions.

Because our Website and services are provided free of charge to you, and we do not enter into contracts with you for the underlying products or services, our overall responsibility to you is limited to what is allowed by law and the points set out above.

We use your personal information in line with our Privacy Policy and Cookie Policy, including:

• collecting information through our forms and during calls (which may include financial, health, lifestyle and other sensitive information where relevant to your enquiry);

• using cookies and similar technologies for analytics, retargeting and to build custom/lookalike audiences on advertising platforms;

• sharing your information with selected Partners so they can contact you;

• sharing information with our parent company Inbound Limited and, where relevant, other group companies for internal reporting and management.

By using our Website and submitting information, you agree that we may use your data in these ways.

For full details, including your rights, please read our Privacy Policy and Cookie Policy.

8.1 Complaints about Clearwise

If you are unhappy with:

• our Website;

• our introduction service; or

• how we have handled your personal information,

please contact us using the details in section 2.2, with "Complaint" in the subject line (if emailing).

We will:

• acknowledge your complaint;

• investigate it; and

• aim to respond in a clear and timely manner.

8.2 Complaints about a Partner

If your complaint is about:

• the advice, product or service provided by a Partner, you should raise this with the Partner directly in the first instance.

We would still like to know if you have had a bad experience with a Partner, as this helps us:

• monitor Partner performance; and

• decide whether to continue working with them.

Letting us know does not replace your rights to complain directly to the Partner or, where applicable, to their regulator or ombudsman scheme.

Other important legal terms include:

• Changes to the Website
  We may update or change the Website and our services from time to time, including adding or removing topics, guides, tools and Partners.

• Transfer of these Terms
  We may transfer our rights and obligations under these Terms to another organisation (for example, within our group). This will not affect your rights.

• No third‑party rights
  These Terms are between you and us. No other person has any rights to enforce them.

• If a court finds part of these Terms illegal
  The rest will continue in force.

• No waiver
  If we delay enforcing these Terms, we can still enforce them later.

• Which law applies and where you can bring proceedings
  These Terms and your use of the Website are governed by the laws of England and Wales.
  You and we both agree that the courts of England and Wales will have jurisdiction, except that:

  • if you live in Scotland, you may also bring proceedings in Scotland; and

  • if you live in Northern Ireland, you may also bring proceedings in Northern Ireland.

Nothing in these Terms affects your statutory rights under UK consumer law.

This section applies where you:

• read our equity release content; or

• submit a form or enquiry about equity release (including lifetime mortgages or home reversion plans).

10.1 Our role in equity release

For equity release:

• we do not provide regulated financial advice;

• we only introduce you to Partners (such as specialist advisers, brokers or lenders) who say they can advise on or arrange equity release products;

• you will receive detailed advice (if you proceed) from the Partner, not from Clearwise.

Any decision to enter into an equity release product is yours and is made between you and the Partner.

10.2 Eligibility and information

In the UK, equity release products are typically only available to people aged 55 or over and who meet certain criteria (for example, property value and ownership).

By submitting an equity release enquiry, you confirm that:

• you understand equity release is not suitable for everyone; and

• you will answer questions honestly and fully, so that the Partner can assess your suitability.

10.3 Key risks and things to consider

Equity release involves important risks. In particular:

• it will usually reduce the value of your estate;

• it may affect your entitlement to means‑tested state benefits;

• it may affect your tax position;

• early repayment or changing plans can be expensive;

• the amount you owe can grow quickly over time, especially where interest is added to the balance.

Before you proceed with equity release, you should:

• discuss your situation fully with a regulated equity release adviser;

• consider alternative options (for example, downsizing, using savings or other forms of borrowing);

• consider talking to family members or others affected by your decision;

• review impartial guidance from independent sources (for example, the government‑backed MoneyHelper service).

10.4 No guarantee of approval or outcome

We do not guarantee that:

• any Partner will approve your equity release application;

• you will receive a particular amount;

• your costs, interest rate or terms will match examples shown on our Website or elsewhere.

Any illustrations or examples are for information only and are not promises or offers.