Training Example: Clearpay Finance Limited – Review the Data, Give Your Score & Compare to the Real AI Evaluation

Clearpay for Business
[H2]
Get Christmas wrapped up Get the Clearpay app for instant access to the biggest brands this Christmas. Then pay in 4, and track your spending as you shop.Download the app
[H2]
*Adds to wishlist*Shop your favourite brands all in one place and pay in 4, interest-free.Get the app
[H2]
*Adds to wishlist*Shop your favourite brands all in one place and pay it in 4, interest-free.Get the app
[H2]
It's all in the appGet the app with over 20k 5-star reviews on Trustpilot. Pay in 4 at big brands, explore trends and track your spend - all in one place.Download the app
[H2] Get Christmas wrapped up with the Clearpay app.
Get the Clearpay app for instant access to the biggest brands this Christmas. Then pay in 4, and track your spending as you shop.Download the App
[H3] Clearpay is unregulated credit. Please use responsibly. T&Cs, eligibility criteria & late fees up to £24 per purchase apply.
[H2] Most popular
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[H2] Cyber Monday starts now.
We’ve rounded up the internet’s biggest deals of the year - only in the app.Shop in the app
[H2] Back To School
Get ahead for the new term and pay it in 4 at M&S, Foot Locker and more. Find everything you need in the app, from backpacks to school shoes. Shop in the app
[H2] New
View all
[H3] Unlock your favourite brands
Pay it in 4 at more of the world’s top brands like Nike, adidas, Selfridges, Coach and more - only available in the app. Head's up, Clearpay may earn a commission if you purchase with us.Learn more
[H3] Get started with the app
Shop thousands of brands, online and in-store. Pay in 4 interest-free instalments over six weeks (late fees apply). Get the appClearpay lends you a fixed amount of credit so you can pay for your purchase over 4 instalments, due every 2 weeks. Ensure you can make repayments on time. You must be 18+ and a permanent UK resident (excl Channel Islands). Clearpay charges a £6 late fee for each late instalment and a further £6 if it’s still unpaid 7 days later. Late fees are capped at £6 for orders under £24 and the lower of £24 or 25% of the order value for orders over £24. Missed payments may affect your ability to use Clearpay in the future and your details may be passed onto a debt collection agency working on Clearpay's behalf. Clearpay is credit that is not regulated by the Financial Conduct Authority. T&Cs and other eligibility criteria apply at https://www.clearpay.co.uk/en-GB/terms-of-service.Please use Clearpay responsibly. Clearpay lends you a fixed amount of credit so you can pay for your purchase over 4 instalments, due every 2 weeks. You must be 18+ and a permanent UK resident (excl Channel Islands). T&Cs and other eligibility criteria apply.Ensure you can make repayments on time. Clearpay charges a £6 late fee for each late instalment and a further £6 if it’s still unpaid 7 days later. Late fees are capped at £6 for orders under £24 and the lower of £36 or 25% of the order value for orders over £24. Missed payments may affect your ability to use Clearpay in the future and they may pass unpaid debt to a debt collection agency.

Clearpay for Business
[H2]
Get Christmas wrapped up Get the Clearpay app for instant access to the biggest brands this Christmas. Then pay in 4, and track your spending as you shop.Download the app
[H2]
*Adds to wishlist*Shop your favourite brands all in one place and pay in 4, interest-free.Get the app
[H2]
*Adds to wishlist*Shop your favourite brands all in one place and pay it in 4, interest-free.Get the app
[H2]
It's all in the appGet the app with over 20k 5-star reviews on Trustpilot. Pay in 4 at big brands, explore trends and track your spend - all in one place.Download the app
[H2] Get Christmas wrapped up with the Clearpay app.
Get the Clearpay app for instant access to the biggest brands this Christmas. Then pay in 4, and track your spending as you shop.Download the App
[H3] Clearpay is unregulated credit. Please use responsibly. T&Cs, eligibility criteria & late fees up to £24 per purchase apply.
[H2] Most popular
View all
[H2] Cyber Monday starts now.
We’ve rounded up the internet’s biggest deals of the year - only in the app.Shop in the app
[H2] Back To School
Get ahead for the new term and pay it in 4 at M&S, Foot Locker and more. Find everything you need in the app, from backpacks to school shoes. Shop in the app
[H2] New
View all
[H3] Unlock your favourite brands
Pay it in 4 at more of the world’s top brands like Nike, adidas, Selfridges, Coach and more - only available in the app. Head's up, Clearpay may earn a commission if you purchase with us.Learn more
[H3] Get started with the app
Shop thousands of brands, online and in-store. Pay in 4 interest-free instalments over six weeks (late fees apply). Get the appClearpay lends you a fixed amount of credit so you can pay for your purchase over 4 instalments, due every 2 weeks. Ensure you can make repayments on time. You must be 18+ and a permanent UK resident (excl Channel Islands). Clearpay charges a £6 late fee for each late instalment and a further £6 if it’s still unpaid 7 days later. Late fees are capped at £6 for orders under £24 and the lower of £24 or 25% of the order value for orders over £24. Missed payments may affect your ability to use Clearpay in the future and your details may be passed onto a debt collection agency working on Clearpay's behalf. Clearpay is credit that is not regulated by the Financial Conduct Authority. T&Cs and other eligibility criteria apply at https://www.clearpay.co.uk/en-GB/terms-of-service.Please use Clearpay responsibly. Clearpay lends you a fixed amount of credit so you can pay for your purchase over 4 instalments, due every 2 weeks. You must be 18+ and a permanent UK resident (excl Channel Islands). T&Cs and other eligibility criteria apply.Ensure you can make repayments on time. Clearpay charges a £6 late fee for each late instalment and a further £6 if it’s still unpaid 7 days later. Late fees are capped at £6 for orders under £24 and the lower of £36 or 25% of the order value for orders over £24. Missed payments may affect your ability to use Clearpay in the future and they may pass unpaid debt to a debt collection agency.

HomeProductsPartnersResourcesMarketing ResourcesDeveloper/API DocumentationPlatform IntegrationsROI CalculatorBusiness loginBusiness sign-up Grow your business with ClearpayConnect with the world’s best customers by offering a flexible way to pay online and in-store.Business sign-upSign up GOOD for your customerBuy what they want online or in-store with transparent spending limitsPay in 4 interest-free instalments over 6 weeksDiscover new brands, trends, and offers in the Clearpay appGOOD for your businessAcquire new-to-file millennial and Gen Z customersAttract customers who shop more often and spend moreImprove conversion and increase average order values1 in 3 British adults embrace BNPL
Nearly four in five BNPL customers find BNPL helpful in reducing financial stress^ The incremental impact of Clearpay10.3xtimes shoppers are using Clearpay annually+36%increase in average order values with merchants who accept Clearpay£200Mof incremental sales delivered to U.K. merchants over the last 12 months200K active merchant partners globallyClearpay in action. YOUR CUSTOMERchecks out online or taps in-storeAdd Clearpay to your online site or stores for higher conversions and easy checkout. YOUR CUSTOMERpays in 4Let your customers payover 6 weeks interest-free. YOUR BUSINESSgets paid upfrontNo matter where or how a customer checks out with Clearpay—whether it’s in-store, online or in the app—you get your money in 1-2 business days.No matter where or how a
customer checks out with
Afterpay—whether it’s in-store,
online or in the app—you get your
money in 1-2 business days.
YOUR BUSINESSmanages it all in one placeStreamline and optimise operations from Business Hub: a single dashboard for managing daily workflows and accessing rich audience data and behavioral insights.Clearpay in action YOUR CUSTOMERchecks out online or taps in-storeAdd Clearpay to your online site or stores for higher conversions and easy checkout. YOUR CUSTOMERpays in 4Let your customers payover 6 weeks interest-free. YOUR BUSINESSgets paid upfrontNo matter where or how a customer checks out with Clearpay—whether it’s in-store, online or in the app—you get your money in 1-2 business days. YOUR BUSINESSmanages it all in one placeStreamline and optimise operations from Business Hub: a single dashboard for managing daily workflows and accessing rich audience data and behavioral insights.Beyond payments, a total platformSell anywhereMaximise your sales by integrating Clearpay for your e-commerce site, brick and mortar store, or mobile app.Learn moreIncrease conversionLeverage express checkout to boost conversion and never miss a sale.Learn moreReach new customersAccess in-app advertising solutions to acquire more of Clearpay’s valuable customers.Learn moreAccess live resultsStreamline daily workflows, access data, and learn about your Clearpay shoppers from the business hub solution.Learn moreEffortless integrations for every major platform.Effortless integrations for every major platform.E-Commerce platforms
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Effortless integrations for every major platform.Payment service providers
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e-commerce platformsPayment Service Providers Clearpay AccessClearpay Access delivers small business advice, insights and success stories for Clearpay merchants.Read more Clearpay Success StoriesRead about all the ways that Clearpay is helping merchants acheive higher AOV, greater frequency, and less returns.Learn more
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Say hello to 3.5 millionactive Clearpay shoppers today.•Simple and easy sign up•Easy integration•Clear and transparent pricingGet startedReady to grow your business?Get started todaySource
^Oxford Economics, The Economic Impact of Clearpay to the U.K., 2023
*Clearpay internal report, January 2025
United KingdomUnited Kingdom© 2026 ClearpayClearpay lends you a fixed amount of credit so you can pay for your purchase over 4 instalments, due every 2 weeks. Ensure you can make repayments on time. You must be 18+ and a permanent UK resident (excl Channel Islands). Clearpay charges a £6 late fee for each late instalment and a further £6 if it’s still unpaid 7 days later. Late fees are capped at £6 for orders under £24 and the lower of £24 or 25% of the order value for orders over £24. Missed payments may affect your ability to use Clearpay in the future and your details may be passed onto a debt collection agency working on Clearpay's behalf. Clearpay is credit that is not regulated by the Financial Conduct Authority. T&Cs and other eligibility criteria apply at https://www.clearpay.co.uk/en-GB/terms-of-service.

Last Updated: 2 November 2021Consumer Terms & ConditionsWhen you open your doors to Afterpay, you’ll welcome 1.7 million customers who are looking to connect with different brands, shop new experiences and take advantage of better ways to pay without paying interest - ever.Get startedIntroduction1. Our relationship with youWelcome to Clearpay! Our full name is Clearpay Finance Limited, and our company number is 05198026. We have a registered office at 101 New Cavendish Street, London, W1W 6XH.These terms and conditions apply to you when:• you ask us to finance your purchase of goods or services offered by our retailers (this is an “Order”); and • we provide you with a credit plan which sets out the rules of us providing you finance under each Order (this is a “Clearpay Plan”).We may reject an Order or cancel an Order and a Clearpay Plan before the goods or services are supplied to you by our retailer if we have good reasons. See clause 8 for examples of good reasons.Clearpay is available for UK residents (excluding Channel Islands) aged 18+. See clause 3 for full eligibility criteria.It’s important to note that other terms may also apply when using our services. These include:• Website Terms: These terms set out how to use our website, App and interact with any social media.• Privacy Policy: This is an important document that sets out how we will store and use your personal information.• Product Terms: Other terms may apply when you use other services offered by us. If other terms apply, we will provide them to you or tell you where to find them.Together these documents form a legal agreement between you and us and we will collectively call them the “agreement” throughout this document. Important to know!Please use Clearpay responsibly. Using us to pay for goods or services in instalments is a form of interest free unregulated credit. It’s important that you pay us on time otherwise you may incur late payment fees. We may charge a £6 late fee for each late instalment and for Orders over £24, we may charge a further £6 if the instalment is still unpaid 7 days later. For Orders over £24, late fees are capped at the lower of £24 or 25% of the purchase price of the Order. Missed payments may affect your ability to use us in the future and we may pass unpaid debt to our debt collection agency. You can read more about this at clauses 17 and 18 below.If you want more information on our services or can’t find what you are looking for in the agreement, you might find it useful to read our FAQ. However, please note that these are for information purposes only and do not form part of our agreement with you.  If there is something you don’t understand in the agreement, please get in touch. If there is something you don’t agree with, unfortunately we won’t be able to provide you with a Clearpay Plan.Changing these terms and conditionsYou can find out more information about how we change these terms and conditions in clause 30 below. We may update our terms from time to time so please check-in regularly.2. What is Clearpay?We are a ‘buy now pay later’ company that allows you to buy goods or services offered by our retailers online or in stores including overseas retailers in countries approved by us. Our list of retailers is on our website.We provide services to you mainly through our website and app although we do provide our services in other ways.  For example, (i) when you make purchases in retailers’ stores, you use our virtual Clearpay Card added to a digital wallet such as Apple Pay or Google Pay; or, (ii) when you make In-app purchases at our retailers, you use our virtual single-use Clearpay Card, the details of which will be populated at checkout. You can find out more information below on how our Clearpay Card works.By entering a Clearpay Plan, you instruct us to pay the retailer in exchange for you repaying to us the agreed amounts in instalments, on the dates set out in your payment schedule in each Clearpay Plan. The amounts will include the cost of the goods or services, shipping costs and any taxes or amounts charged by a retailer. We will send you a copy of each Clearpay Plan by email.For any purchases you make in-store using the Clearpay Card, you might want to add a tip for the retailer. See clause 10 for information on how this works with a Clearpay Plan.Each Clearpay Plan is a separate short-term fixed sum loan agreement where we lend you a fixed amount of credit to allow you to pay for your purchase over 4 instalments due every 2 weeks under the payment schedule for each Order. Clearpay Plans are not regulated by the Financial Conduct Authority. Your Account3. How do I open an account /eligibility criteria?To place Orders and enter Clearpay Plans, you must register with us for an account. To register for an account and be eligible to use our services, you must be a UK resident (excluding Channel Islands), aged 18 or over, have a UK payment method (e.g., debit or credit card or any other card accepted by us), a UK billing address and a valid email address and UK mobile number. We’ll ask you for information about you to check your identity and to meet our legal and regulatory requirements. We’ll only register your account when we have approved the information. To find out how we use your personal information, please see our privacy policy.You can create an account by visiting our website or we can create an account for you when you place your first Order. When your account is set up, you’ll choose a payment method for the instalment payments. Your chosen payment method can be a credit or debit or other payment card or method accepted by us such as Apple Pay. All payment methods must be registered in your name, you must not use a payment card to make payments via Clearpay unless you are the cardholder named on that payment card.Our services are for your personal non-business use, and you are limited to opening one account (if we’ve closed your account, you’ll be prevented from creating a new one). 4. Keeping your account safe and secureWhen your account is created, you will be asked to set up a username and secure password. You can then access your account through our website or app. You need to keep your security details, account, and our Clearpay Card safe and secure. This means you shouldn’t share your security details with anyone, and you should be careful when writing your security details down so that other people cannot see or access your security details. You should also log out of your account on your electronic device when you have finished using your account.We are not responsible for any unauthorised use or access of your account unless we have failed to take reasonable steps to prevent such unauthorised use or access. You must contact us immediately if you notice any unauthorised access or use of your account.5. How to use your account?There are certain things you must do and not do when having an account with us. For example:• act responsibly when using us to buy goods or services;• pay your instalment payments on time; • provide to us your identity documents when reasonably requested by us;• keep your contact details accurate and up to date;• help us to investigate any illegal or unapproved activity on your account;• don’t provide us with any false, inaccurate or misleading information;• don’t use your account for illegal purposes (such as fraud) or activities that are not approved by us;• don’t allow other people to use your account, the Clearpay Card in your digital wallet or access your security details;• don’t open or use more than one Clearpay account; and• don’t do anything to harm our systems or prevent us from providing our services. 6. What happens if something goes wrong with my account or the services?We’ll try our best to make sure that our services and your account are available and accessible at a reasonable speed, however we can’t promise that this will always be the case, or our services will always be free from problems. If there are problems with our services or your account, we’ll work to solve any problems as soon as possible. We’re not responsible for your losses if our services or your account are unavailable or inaccessible.7.  How do I close or deactivate my account?You can request to close or deactivate your account at any time via the app. To do so you’ll need to pay us all amounts you owe us under a Clearpay Plan (including late fees) immediately. We’ll also need to make sure that all complaints or refunds owed to you have been sorted. Closing your account permanently removes access to your profile, purchase history and your account information via the app and web portal. This means that you will no longer be able to make any new purchases or make changes to your account. You may still be able to view your account details and obtain your transaction history by contacting us. Clearpay will retain your information in accordance with our Privacy Policy (available on the Clearpay website) and any applicable law, rule or regulation. You may not close your account to evade an investigation. You may deactivate your account which means you won’t be able to use your account for new purchases but you will still have access to your profile, purchase history and your account information via the app and web portal. You can re-activate your account at any time via the app. 8.  When can you suspend or close my account?We may suspend or close your account if we have good reasons.Good reasons include:• to protect our systems, technology and services from harm;• to prevent illegal activity such as fraud;• to reduce the risk of money laundering or terrorist financing;• to protect us from legal or regulatory risks or non-payment risk by you;• if you break our agreement in a serious or persistent way including by not making payment on the instalment due dates or giving us false or inaccurate information;• if we think any Order or your behaviour is suspicious;• if you use our services for purposes or activities that are not approved by us;• if you do not pass our identity or pre-authorisation checks; or• if we have to under any law, regulation, court order or instructions from a regulatory authority.• if you fail to make repayment on time.• to protect us from abusive, threatening, harassing or otherwise inappropriate behaviour as determined in our sole discretion.We’ll use our best efforts to provide written notice to you before closing your account except where notifying you would be unlawful or reduce our security measures. Where we close your account, you’ll need to pay us all amounts you owe us under a Clearpay Plan (including late fees) immediately.9. What happens after my account is closed?Where your account has been closed for any reason, yours and our obligations under these terms and conditions will continue until all Orders and Clearpay Plans entered before account closure are completed and all complaints and refunds are sorted. Closing your account will also end any other agreements you have with us.Orders, Payments and Billing10. How do I place an Order?Online purchasesYou need to choose the goods or services you want to buy from a retailer online and follow the retailer’s instructions to arrange for your Order to be placed with us.Store purchasesYou can place Orders using the Clearpay Card from retailers who offer Clearpay in stores. The Clearpay Card is a virtual card, added to a digital wallet, such as Apple Pay or Google Pay that Clearpay permits you to use when shopping in stores with our retailers. To use the Clearpay Card, you need to first download our app and add the Clearpay Card to a digital wallet by following the instructions in our app. When you are ready to purchase goods or services in a store, open our app to the ‘Card’ tab and follow the instructions in the app to make purchases from retailers up to an estimated available to spend amount shown in the app. This is the estimated amount you can spend with your account. This amount is not guaranteed and may be different if you shop with certain retailers who set their own limits on how much you can purchase using Clearpay. For any purchases you make in-store using the Clearpay Card, you might want to add a tip for the retailer. If you decide to add a tip to your in-store purchase, the total amount and the instalment amounts set out in the Clearpay Plan we initially send to you will be an estimate only based on the best information we have at the time of your purchase. The actual total amount and instalment amounts may be more or less depending on the final purchase amount that is confirmed to us by the retailer, including the amount of any tips you have made. We will email you a final payment schedule to supplement your Clearpay Plan after you complete your purchase, setting out your actual total amount and instalment amounts. If the amount of your tip causes you to go over the estimated amount available to spend, we will pause your ability to make any further Clearpay purchases until you are able to repay that excess amount.The Clearpay Card can only be used by you. You may be asked to set up a PIN for your use of the Clearpay Card. You must keep your security details, PIN, and the Clearpay Card safe and secure from theft, fraud, and unauthorised use. If your phone or device on which the Clearpay Card is loaded is lost or stolen, please contact us immediately. In-app purchases using a single-use Clearpay CardYou need to choose the goods or services you want to buy from a retailer in the Clearpay app, select “pay by debit or credit card” and click “Buy/Shop now. Pay later”. If you are approved by Clearpay, we will authorise you to use a single use card issued to Clearpay to pay for your purchase, the details of which will be populated by us into the retailer´s checkout process. You must click confirm to proceed with your purchase.Please remember that the Clearpay Card is not your card. It is our card that is generated using our App and linked to the digital wallet on your phone or other electronic device. You are an authorised user of our card. Each time you place an Order in stores, you authorise payment with the Clearpay Card where we pay for the purchase to the retailer, and you repay us in 4 instalments which are set out in a Clearpay Plan.11. When do you approve an Order?We may perform pre-authorisation checks on your UK payment method before we agree to finance your purchase to make sure you can afford the Clearpay Plan. We may do this for all payment methods listed in your account. Please ensure all payment methods are in your name otherwise we may not be able to approve your Order.A pre-authorisation check is where money in your bank account linked to your payment method is temporarily placed on ‘hold’ when you make an online purchase or use our Clearpay Card for store purchases. This amount will not exceed the total amount of your first instalment plus 1p owed to us under a Clearpay Plan. No money

Last Updated: 2 November 2021Consumer Terms & ConditionsWhen you open your doors to Afterpay, you’ll welcome 1.7 million customers who are looking to connect with different brands, shop new experiences and take advantage of better ways to pay without paying interest - ever.Get startedIntroduction1. Our relationship with youWelcome to Clearpay! Our full name is Clearpay Finance Limited, and our company number is 05198026. We have a registered office at 101 New Cavendish Street, London, W1W 6XH.These terms and conditions apply to you when:• you ask us to finance your purchase of goods or services offered by our retailers (this is an “Order”); and • we provide you with a credit plan which sets out the rules of us providing you finance under each Order (this is a “Clearpay Plan”).We may reject an Order or cancel an Order and a Clearpay Plan before the goods or services are supplied to you by our retailer if we have good reasons. See clause 8 for examples of good reasons.Clearpay is available for UK residents (excluding Channel Islands) aged 18+. See clause 3 for full eligibility criteria.It’s important to note that other terms may also apply when using our services. These include:• Website Terms: These terms set out how to use our website, App and interact with any social media.• Privacy Policy: This is an important document that sets out how we will store and use your personal information.• Product Terms: Other terms may apply when you use other services offered by us. If other terms apply, we will provide them to you or tell you where to find them.Together these documents form a legal agreement between you and us and we will collectively call them the “agreement” throughout this document. Important to know!Please use Clearpay responsibly. Using us to pay for goods or services in instalments is a form of interest free unregulated credit. It’s important that you pay us on time otherwise you may incur late payment fees. We may charge a £6 late fee for each late instalment and for Orders over £24, we may charge a further £6 if the instalment is still unpaid 7 days later. For Orders over £24, late fees are capped at the lower of £24 or 25% of the purchase price of the Order. Missed payments may affect your ability to use us in the future and we may pass unpaid debt to our debt collection agency. You can read more about this at clauses 17 and 18 below.If you want more information on our services or can’t find what you are looking for in the agreement, you might find it useful to read our FAQ. However, please note that these are for information purposes only and do not form part of our agreement with you.  If there is something you don’t understand in the agreement, please get in touch. If there is something you don’t agree with, unfortunately we won’t be able to provide you with a Clearpay Plan.Changing these terms and conditionsYou can find out more information about how we change these terms and conditions in clause 30 below. We may update our terms from time to time so please check-in regularly.2. What is Clearpay?We are a ‘buy now pay later’ company that allows you to buy goods or services offered by our retailers online or in stores including overseas retailers in countries approved by us. Our list of retailers is on our website.We provide services to you mainly through our website and app although we do provide our services in other ways.  For example, (i) when you make purchases in retailers’ stores, you use our virtual Clearpay Card added to a digital wallet such as Apple Pay or Google Pay; or, (ii) when you make In-app purchases at our retailers, you use our virtual single-use Clearpay Card, the details of which will be populated at checkout. You can find out more information below on how our Clearpay Card works.By entering a Clearpay Plan, you instruct us to pay the retailer in exchange for you repaying to us the agreed amounts in instalments, on the dates set out in your payment schedule in each Clearpay Plan. The amounts will include the cost of the goods or services, shipping costs and any taxes or amounts charged by a retailer. We will send you a copy of each Clearpay Plan by email.For any purchases you make in-store using the Clearpay Card, you might want to add a tip for the retailer. See clause 10 for information on how this works with a Clearpay Plan.Each Clearpay Plan is a separate short-term fixed sum loan agreement where we lend you a fixed amount of credit to allow you to pay for your purchase over 4 instalments due every 2 weeks under the payment schedule for each Order. Clearpay Plans are not regulated by the Financial Conduct Authority. Your Account3. How do I open an account /eligibility criteria?To place Orders and enter Clearpay Plans, you must register with us for an account. To register for an account and be eligible to use our services, you must be a UK resident (excluding Channel Islands), aged 18 or over, have a UK payment method (e.g., debit or credit card or any other card accepted by us), a UK billing address and a valid email address and UK mobile number. We’ll ask you for information about you to check your identity and to meet our legal and regulatory requirements. We’ll only register your account when we have approved the information. To find out how we use your personal information, please see our privacy policy.You can create an account by visiting our website or we can create an account for you when you place your first Order. When your account is set up, you’ll choose a payment method for the instalment payments. Your chosen payment method can be a credit or debit or other payment card or method accepted by us such as Apple Pay. All payment methods must be registered in your name, you must not use a payment card to make payments via Clearpay unless you are the cardholder named on that payment card.Our services are for your personal non-business use, and you are limited to opening one account (if we’ve closed your account, you’ll be prevented from creating a new one). 4. Keeping your account safe and secureWhen your account is created, you will be asked to set up a username and secure password. You can then access your account through our website or app. You need to keep your security details, account, and our Clearpay Card safe and secure. This means you shouldn’t share your security details with anyone, and you should be careful when writing your security details down so that other people cannot see or access your security details. You should also log out of your account on your electronic device when you have finished using your account.We are not responsible for any unauthorised use or access of your account unless we have failed to take reasonable steps to prevent such unauthorised use or access. You must contact us immediately if you notice any unauthorised access or use of your account.5. How to use your account?There are certain things you must do and not do when having an account with us. For example:• act responsibly when using us to buy goods or services;• pay your instalment payments on time; • provide to us your identity documents when reasonably requested by us;• keep your contact details accurate and up to date;• help us to investigate any illegal or unapproved activity on your account;• don’t provide us with any false, inaccurate or misleading information;• don’t use your account for illegal purposes (such as fraud) or activities that are not approved by us;• don’t allow other people to use your account, the Clearpay Card in your digital wallet or access your security details;• don’t open or use more than one Clearpay account; and• don’t do anything to harm our systems or prevent us from providing our services. 6. What happens if something goes wrong with my account or the services?We’ll try our best to make sure that our services and your account are available and accessible at a reasonable speed, however we can’t promise that this will always be the case, or our services will always be free from problems. If there are problems with our services or your account, we’ll work to solve any problems as soon as possible. We’re not responsible for your losses if our services or your account are unavailable or inaccessible.7.  How do I close or deactivate my account?You can request to close or deactivate your account at any time via the app. To do so you’ll need to pay us all amounts you owe us under a Clearpay Plan (including late fees) immediately. We’ll also need to make sure that all complaints or refunds owed to you have been sorted. Closing your account permanently removes access to your profile, purchase history and your account information via the app and web portal. This means that you will no longer be able to make any new purchases or make changes to your account. You may still be able to view your account details and obtain your transaction history by contacting us. Clearpay will retain your information in accordance with our Privacy Policy (available on the Clearpay website) and any applicable law, rule or regulation. You may not close your account to evade an investigation. You may deactivate your account which means you won’t be able to use your account for new purchases but you will still have access to your profile, purchase history and your account information via the app and web portal. You can re-activate your account at any time via the app. 8.  When can you suspend or close my account?We may suspend or close your account if we have good reasons.Good reasons include:• to protect our systems, technology and services from harm;• to prevent illegal activity such as fraud;• to reduce the risk of money laundering or terrorist financing;• to protect us from legal or regulatory risks or non-payment risk by you;• if you break our agreement in a serious or persistent way including by not making payment on the instalment due dates or giving us false or inaccurate information;• if we think any Order or your behaviour is suspicious;• if you use our services for purposes or activities that are not approved by us;• if you do not pass our identity or pre-authorisation checks; or• if we have to under any law, regulation, court order or instructions from a regulatory authority.• if you fail to make repayment on time.• to protect us from abusive, threatening, harassing or otherwise inappropriate behaviour as determined in our sole discretion.We’ll use our best efforts to provide written notice to you before closing your account except where notifying you would be unlawful or reduce our security measures. Where we close your account, you’ll need to pay us all amounts you owe us under a Clearpay Plan (including late fees) immediately.9. What happens after my account is closed?Where your account has been closed for any reason, yours and our obligations under these terms and conditions will continue until all Orders and Clearpay Plans entered before account closure are completed and all complaints and refunds are sorted. Closing your account will also end any other agreements you have with us.Orders, Payments and Billing10. How do I place an Order?Online purchasesYou need to choose the goods or services you want to buy from a retailer online and follow the retailer’s instructions to arrange for your Order to be placed with us.Store purchasesYou can place Orders using the Clearpay Card from retailers who offer Clearpay in stores. The Clearpay Card is a virtual card, added to a digital wallet, such as Apple Pay or Google Pay that Clearpay permits you to use when shopping in stores with our retailers. To use the Clearpay Card, you need to first download our app and add the Clearpay Card to a digital wallet by following the instructions in our app. When you are ready to purchase goods or services in a store, open our app to the ‘Card’ tab and follow the instructions in the app to make purchases from retailers up to an estimated available to spend amount shown in the app. This is the estimated amount you can spend with your account. This amount is not guaranteed and may be different if you shop with certain retailers who set their own limits on how much you can purchase using Clearpay. For any purchases you make in-store using the Clearpay Card, you might want to add a tip for the retailer. If you decide to add a tip to your in-store purchase, the total amount and the instalment amounts set out in the Clearpay Plan we initially send to you will be an estimate only based on the best information we have at the time of your purchase. The actual total amount and instalment amounts may be more or less depending on the final purchase amount that is confirmed to us by the retailer, including the amount of any tips you have made. We will email you a final payment schedule to supplement your Clearpay Plan after you complete your purchase, setting out your actual total amount and instalment amounts. If the amount of your tip causes you to go over the estimated amount available to spend, we will pause your ability to make any further Clearpay purchases until you are able to repay that excess amount.The Clearpay Card can only be used by you. You may be asked to set up a PIN for your use of the Clearpay Card. You must keep your security details, PIN, and the Clearpay Card safe and secure from theft, fraud, and unauthorised use. If your phone or device on which the Clearpay Card is loaded is lost or stolen, please contact us immediately. In-app purchases using a single-use Clearpay CardYou need to choose the goods or services you want to buy from a retailer in the Clearpay app, select “pay by debit or credit card” and click “Buy/Shop now. Pay later”. If you are approved by Clearpay, we will authorise you to use a single use card issued to Clearpay to pay for your purchase, the details of which will be populated by us into the retailer´s checkout process. You must click confirm to proceed with your purchase.Please remember that the Clearpay Card is not your card. It is our card that is generated using our App and linked to the digital wallet on your phone or other electronic device. You are an authorised user of our card. Each time you place an Order in stores, you authorise payment with the Clearpay Card where we pay for the purchase to the retailer, and you repay us in 4 instalments which are set out in a Clearpay Plan.11. When do you approve an Order?We may perform pre-authorisation checks on your UK payment method before we agree to finance your purchase to make sure you can afford the Clearpay Plan. We may do this for all payment methods listed in your account. Please ensure all payment methods are in your name otherwise we may not be able to approve your Order.A pre-authorisation check is where money in your bank account linked to your payment method is temporarily placed on ‘hold’ when you make an online purchase or use our Clearpay Card for store purchases. This amount will not exceed the total amount of your first instalment plus 1p owed to us under a Clearpay Plan. No money

[H2] Security
Providing a secure platform for our customers, merchants and partners is our obsession. Our Security team works around the clock to ensure that you can shop with confidence.
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[H2] For consumers
We take your security seriously. If something doesn’t look right with your Clearpay account, please visit our Help Centre for info on how to report suspicious transactions, as well as other helpful tips.
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[H2] Security Compliance
Compliance is important! We really care about protecting cardholder data. PCI-DSS ComplianceWe are a PCI-DSS Level 1 certified Service Provider organisation.PCI-DSS is a comprehensive set of requirements created by the Payment Card Industry Security Standards Council to ensure cardholder data security. By receiving data directly from our customers, we acknowledge that this means the organisation has responsibilities for ensuring the secure handling of customer cardholder data for the Clearpay services. Clearpay Limited does not receive cardholder data from our merchants. Merchants may have PCI-DSS responsibilities that are independent of the Clearpay Merchant Agreement process. It is the Merchant’s sole responsibility to remain informed of their PCI-DSS obligations and compliance status. Clearpay's Attestation of Compliance (AOC) is available to merchants and partners on request and under a NDA. Clearpay’s Privacy Policy is available here.
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[H2] ISO/IEC 27001 compliance
Clearpay Limited is an ISO/IEC 27001 certified organisation.ISO/IEC 27001 is an international standard that requires organisations to establish, implement, maintain and continually improve an information security management system.
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[H2] Identified a security vulnerability?
Let us know!Clearpay encourages security researchers to responsibly identify and disclose vulnerabilities in line with our responsible disclosure policy, available here. If you feel the need, please use our PGP public key to encrypt your communications with us You can contact our team at [email protected]