We understand that your privacy is important to you and that you care about how your information is used and shared.
This privacy policy explains what information we collect about you, how we may use it, and the steps we take to ensure that it is kept secure. We also explain your rights and how to contact us.
We collect details from you when you request a product, service, offers or news from us from our website, emails, telephone conversations, and written and verbal communication.
We may increase the information that you provide with other information that we obtain from our dealings with you or from outside sources.
In order to provide you with a mortgage or insurance recommendation, we will be required to collect personal sensitive information.
This can include but may not be limited to your:
For some products and services, you might be asked to provide sensitive information such as details surrounding health which will help us to understand your specific circumstances. This information allows us to tailor our recommendations to best suit your needs.
We may collect information about the devices you use including internet protocol address (IP address), location, type and operating system.
Where you provide information about other people (such as joint applicants), you must ensure that you have their consent or are otherwise entitled to provide their information to us and we will be required to confirm this information with that person at a later stage.
Not providing this information or providing false or inaccurate information will mean we are unable to provide you with a suitable recommended product.
The information we collect will be used for:
We will never pass your information to a third party for marketing purposes.
We will only send you marketing material regarding unrelated products or services if we have obtained your explicit consent to do so.
We may share your information with third-party service providers who help us enhance our existing product and service. These third parties are bound by strict confidentiality agreements before any personal information is shared and are restricted from using the information for any other purpose.
We share your information with the lending and insurance partners in our network who will issue our mortgages and insurance products to you.
Intercom/Tidio Messenger helps us to communicate with you and provide you with our service. We may also use this to collect personal data such as id, name, picture, gender, location and certain connections such as friends. If you have made more data public, we will also be able to collect this.
Call Squad helps us communicate with you and provide you with our service.
WhatsApp Messenger helps us to communicate to you and provide you with our service.
Credit Kudos is a scoring platform that uses open banking to gain access to your banking transactions and prove suitability when applying for a mortgage.
Help us to confirm your eligibility to get a mortgage and provide your credit report(s) in the event of booking an advice appointment so we can effectively identify suitable mortgage options for you based on your credit history.
We will use your contact details to communicate with you to help you manage your application, to fulfil our regulatory obligations, to make you aware of helpful tips or advice regarding your finances and to remind you about the features and benefits of products you already hold.
In order for us to proceed with our recommendation, we will be required to share your information with the specified mortgage or insurance provider. This will be done with the express purpose of completing your application or where the law or regulation allows or requires us to do so, for legitimate business purpose.
In order to find you the most appropriate product and to offer you a complete service we will share your data with Credit Kudos and Experian (Experian PLC) for the purposes of checking your eligibility for a mortgage. Experian are a credit reference agency and will analyse your credit history and data to provide Zunde with your mortgage eligibility and affordability. We will then use this information, as well as the information you have sent to Zunde in order to display eligible products for your attention as well as to assess whether you are eligible for a mortgage as part of our brokerage service. In the event you are applying for a joint mortgage, both parties information will be shared with Credit Kudos and Experian to ensure we can provide a complete service.
We may also share your information with other people or organisations (who are also bound to keep it safe and secure) if we have a duty to disclose it. For example, we may share it with:
In the future we may wish to share your data with third party companies that provide services and products you may benefit from. We will not do this until we have gained your explicit consent to do so.
At times we may share your information with third parties, such as Amazon, to provide you with rewards for incentives associated to your application. Your information will only be used for the provision of such rewards and for no other purposes, as detailed under How we use your information.
With your explicit consent we will tell you about other products and services which may be of interest to you – these are called marketing messages, and you can change your mind about these communications at any time.
We collect consent at the start of your journey shortly after you have created your account on our website. We will also collect product specific information throughout your journey which could help us to enhance your experience.
For more information on how we gain your consent please request a copy of our E-Marketing policy.
If you change your mind you can remove your consent and opt out at any time by contacting us by writing to Zunde Limited, Unit 72, Greenway Business Centre, Harlow Business Park, Harlow CM19 5QE
Your request to opt out of receiving marketing or promotional material will be processed as soon as it is received. Please allow up to 2 business days for your new preferences to take effect.
Any and all marketing emails sent by Us include an unsubscribe link. If you opt out of receiving marketing material via the unsubscribe link, it may take up to 2 business days for your new preferences to take effect.
We pride ourselves in treating your data with the utmost care and security. Our systems meet or exceed industry standards and we are constantly monitoring these to provide improvements where available.
We will never store passwords in plain text, nor will we allow anyone to access your data authorisation to do so. All our employees are background checked before they are granted access to your data.
Under the General Data Protection Regulation (GDPR), you have increased rights regarding the data we hold and process about you.
These rights include:
If you believe that we are storing details relating to you and that these are incorrect or you wish to remove them, please contact us at hello@zunde.co or Zunde, Unit 72, Greenway Business Centre, Harlow Business Park, Harlow CM19 5QE.
In addition to personal information you provide, we may also collect information about you automatically when you visit our site or access content in our electronic communications with you. The collection of information may involve the use of cookies and web beacons. A web beacon is a small graphic image placed on a web page that is designed to allow us to monitor traffic on the Site or within electronic communications. A cookie is a small text file that is placed on your computer’s hard drive by your browser.
Cookies allow us to identify your computer and find out details about your visit and browsing habits so that we can offer you a more personalised experience and manage, monitor and improve services which you will be made aware of prior to creating an account on our website.
Our website uses 3 types of cookies:
Analytical:
These cookies help us to better understand how our visitors are using our website. We use this information to improve our service and marketing activity.
Functional:
These cookies allow us to provide a seamless user experience, ensuring we recognise returning visitors and secure user sessions.
Infrastructural:
These cookies help us to deliver content to users in the most efficient manner, ensuring quicker load times and a smoother experience.
Customers are able to download a free Google browser plug in which will disable all analytic cookies. You can learn more about this by visiting https://tools.google.com/dlpage/gaoptout.
Third Party Cookies
If you decide to share our content using social media sharing tools on our Sites, you may be presented with cookies from third party sites such as Facebook, Twitter, LinkedIn or Google+. Zunde does not control how these sites use cookies so you should refer to the relevant site’s own privacy and cookie policy to understand how they use cookies.
Deleting and preventing cookies
Customers are also able to clear their internet cache and cookies by accessing their internet browser settings menu. Guides for doing so can be found here:
Any changes we make to our policy will be put on our website. Please check for updates from time to time, so you are always fully aware of what information is collected and how it is used.
If you have any questions or concerns about our use of your personal information or would like a copy of the information we hold about you, please write to the Data Protection Officer; hello@zunde.co or Zunde, Unit 72, Greenway Business Centre, Harlow Business Park, Harlow CM19 5QE.
