I was in the game this morning, and you unlock clans by the look of it through upgrading the settlement. Apparently you do this by completing the main missions.
I have 1 to go to get the additional staff memeber to unlock clans. I will get this done tonight. If you don't beat me to it Sharky, I'll set it up, if that's ok?
I won't go to indepth with the character creation, and will skip the cut scenes, as I've seen them 3 times now!