I came across this quite recently, and as a long-time user of Cetaphil moisturisers, had to try it. I've been looking to incorporate an SPF moisturiser into my routine and wasn't having much luck with other brands, so figured this would be a great moisturiser as I've had nothing but success with Cetaphil products.
For me this moisturiser had no white cast and a nice, almost matte finish - needed a bit of powder over the top, but much more matte than their Daily Advance moisturiser. Moisturised well. However, in my temperate-cold climate, this product always dispensed with clumps in it. Worth noting that I took this on holiday to the tropics - was pretty hot, and lotion came out smooth. But as soon as I returned home to cooler weather, the clumps reappeared. I tried shaking thoroughly, warming the bottle with hot water, and even repurchased a few months later in case it was an issue with a particular batch but nothing really worked. I got so fed up with having to pick clumps of lotion off my face that I used the rest as body sunscreen and will not repurchase. The lumps do break up if you massage the lotion into skin with a bit of pressure, but it was too much agitation thus not an option for my acne-prone skin.
Another very major complaint I have is that it made my eyes burn like crazy. I would apply in the morning, but during the afternoon, my eyes would inevitably begin to tear up, and would continue until I washed the moisturiser off my eye area. I have never experienced anything like it - the burning was so intense that I could hardly see, which made this moisturiser pretty unappealing. Perhaps it was the moisturiser in combination with my makeup, but as I'd never had this kind of problem before, I was really disappointed.