Terms &
Conditions.

1 About Us

Clarity Financial Wellbeing Ltd ("Clarity", "we", "us", "our") is a company registered in England and Wales (Company No. 16974429) with its registered office at KB House, Scott Drive, Altrincham WA15 8AB.

We provide a financial wellbeing platform offering educational tools, resources, access to specialist advisers, employee benefits and related services (the "Platform") to individuals and through their employers.

2 Acceptance of Terms

By accessing or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions in full. These terms form a legally binding agreement between you and Clarity Financial Wellbeing Ltd.

If you do not agree with any part of these terms, you must not access or use the Platform. Your continued use of the Platform following any updates to these terms will constitute your acceptance of those changes.

3 Eligibility

To use the Platform, you must:

• Be at least 18 years of age
• Be a resident of the United Kingdom, or be authorised to access UK-based services
• Where accessing the Platform through your employer, be currently employed by or engaged with an organisation that has an active agreement with Clarity
• Have the legal capacity to enter into binding agreements

By using the Platform, you confirm that you meet all of the above eligibility requirements. If you do not meet these requirements, you must not use the Platform.

4 Use of the Platform

You agree to use the Platform only for its intended purpose and in accordance with these terms. Specifically, you agree to:

• Use the Platform only for lawful purposes and in a way that does not infringe the rights of others
• Provide accurate, complete and up-to-date information when registering or using the Platform
• Keep your account credentials confidential and notify us immediately of any unauthorised access
• Not attempt to gain unauthorised access to any part of the Platform, its servers, or any systems connected to it
• Not misuse, disrupt, or impair the operation of the Platform or interfere with other users' access
• Not transmit any unsolicited or unauthorised advertising, promotional material, or spam
• Not use any automated tools, bots, scrapers or similar technology to access, extract or interact with the Platform without our prior written consent

We reserve the right to monitor use of the Platform to ensure compliance with these terms and to investigate any suspected breaches.

5 No Financial Advice — Important Notice

Clarity Financial Wellbeing Ltd is not authorised or regulated by the Financial Conduct Authority (FCA) to provide regulated financial advice unless explicitly stated otherwise in relation to a specific service or feature of the Platform.

Where the Platform provides access to third-party advisers (such as through the Adviser Hub), those advisers operate independently and are individually responsible for compliance with any applicable regulatory requirements. Any advice provided by third-party advisers is governed by their own terms and regulatory obligations.

You remain solely responsible for any financial decisions you make based on content accessed through the Platform. We strongly recommend that you seek independent professional financial, tax or legal advice that is tailored to your individual circumstances before making any significant financial decisions.

6 Intellectual Property

All content on the Platform, including but not limited to text, images, graphics, course materials, software, design elements and branding, is owned by or licensed to Clarity Financial Wellbeing Ltd and is protected by applicable intellectual property laws including copyright, trade mark and database rights.

You may access and use Platform content for your own personal, non-commercial use only. You must not:

• Reproduce, distribute, or publish any part of the Platform content without our prior written consent
• Modify, adapt or create derivative works from Platform content
• Remove or alter any copyright, trade mark or other proprietary notices
• Use Platform content for any commercial purpose

Nothing in these terms grants you any licence to use our trade marks, logos or brand elements.

7 Platform Availability

We aim to ensure the Platform is available at all times and strive to maintain a reliable service. However, we do not guarantee uninterrupted, continuous, or error-free access to the Platform.

We may, from time to time, need to suspend or restrict access to the Platform or parts of it for operational, maintenance, security or technical reasons. We will endeavour to provide reasonable advance notice of any planned maintenance that may affect access, where practicable.

We shall not be liable for any loss or inconvenience arising from unavailability of the Platform.

8 Limitation of Liability

Nothing in these Terms excludes or limits our liability for:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded or limited under applicable law

Subject to the above, and to the fullest extent permitted by applicable law, Clarity shall not be liable for:

• Any indirect, incidental, special or consequential loss or damage
• Loss of profits, revenue, business, contracts or anticipated savings
• Loss or corruption of data or information
• Loss of goodwill or reputation
• Any loss or damage arising from your reliance on content or information provided through the Platform
• Any loss arising from your use of or inability to use third-party services accessed via the Platform

Our total aggregate liability to you arising out of or in connection with your use of the Platform, whether in contract, tort (including negligence), breach of statutory duty or otherwise, shall not exceed £100 (one hundred pounds sterling).

9 Acceptable Use Policy

In addition to the general use obligations in Section 4, you must not use the Platform to:

• Engage in any activity that is unlawful, fraudulent, deceptive or harmful
• Upload, post or transmit any content that is defamatory, offensive, obscene or violates any third-party rights
• Introduce viruses, malware, spyware or any other malicious or harmful code
• Attempt to hack, probe or test the vulnerability of any system or network connected to the Platform
• Engage in denial-of-service attacks or any activity designed to disrupt, overload or impair the Platform
• Harvest, scrape or collect personal data about other users without their consent
• Misrepresent your identity or affiliation with any person or organisation
• Use the Platform in a way that could bring Clarity into disrepute

Breaches of this Acceptable Use Policy may result in immediate termination of your access to the Platform and, where appropriate, referral to relevant law enforcement authorities.

10 Employer Access & Reporting

Where access to the Platform is provided through your employer as a workplace benefit:

• Your employer may be party to a separate agreement with Clarity which governs the terms of access for their employees
• Your employer may act as a data controller or joint controller in relation to certain processing activities — please refer to our Privacy Policy for further details
• We may provide your employer with periodic reports on Platform usage; wherever possible such reports will be aggregated and anonymised
• Identifiable data (such as name and email) will only be shared with your employer where necessary for account administration purposes or where required by the agreement between Clarity and your employer
• We do not collect or share personal financial data with your employer

A separate Data Processing Agreement (DPA) will govern the data processing relationship between Clarity and your employer where applicable.

11 Suspension & Termination

We reserve the right to suspend, restrict or terminate your access to the Platform at any time, with or without notice, if:

• You breach any of these Terms and Conditions
• We are required to do so by law or a regulatory authority
• Your employer's agreement with Clarity is terminated or expires
• We reasonably believe your use of the Platform poses a security risk or threatens the integrity of the Platform
• We decide to discontinue or substantially modify the Platform

Upon termination, all rights granted to you under these terms will immediately cease. Provisions that by their nature should survive termination (including limitations of liability and intellectual property rights) shall continue to apply.

12 Governing Law & Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If any provision of these terms is found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be deemed severed and the remaining provisions shall continue in full force and effect.

13 Updates to These Terms

We may update or amend these Terms and Conditions from time to time to reflect changes to our services, applicable law or for other operational reasons. We will notify users of any significant changes by posting a notice on the Platform or by email where we hold your contact details.

Your continued use of the Platform following notification of changes constitutes your acceptance of the updated terms. We recommend you review these terms periodically to ensure you remain aware of any changes.

14 Contact Us

If you have any questions, concerns or complaints regarding these Terms and Conditions, please contact us: