These Terms of Use, together with any and all other documents referred to herein, set out the terms of use under which you may use this website, www.zunde.co (“Our Site”). Please read these Terms of Use carefully and ensure that you understand them. Your agreement to comply with and be bound by these Terms and Conditions is deemed to occur upon your first use of Our Site. If you do not agree to comply with and be bound by these Terms of Use, you must stop using Our Site immediately.
1.1 In these Terms of Use, unless the context otherwise requires, the following expressions have the following meanings:
2.1 Our Site, www.zunde.co is owned and operated by Zunde Limited, a limited company registered in England under 12958286, of Unit 72, Greenway Business Centre, Harlow Business Park, Harlow, CM19 5QE.
3.1 Access to and use of this website is subject to these Terms of Use and our Privacy Policy. If you breach any terms of these Terms of Use, your right to access and use this website shall cease immediately
3.2 Access to Our Site is free of charge. No part of Our Site requires payment of any kind in order to access or use it.
3.3 It is your responsibility to make any and all arrangements necessary in order to access Our Site.
3.4 Access to Our Site is provided “as is” and on an “as available” basis. We may alter, suspend or discontinue Our Site (or any part of it) at any time and without notice. We will not be liable to you in any way if Our Site (or any part of it) is unavailable at any time and for any period.
4.1 All Content included on Our Site and the copyright and other intellectual property rights subsisting in that Content, unless specifically labelled otherwise, belongs to or has been licensed by Us. All Content is protected by applicable the United Kingdom and international intellectual property laws and treaties. All rights are reserved.
4.2 Subject to sub-Clauses 4.3 and 4.6 you may not reproduce, copy, distribute, sell, rent, sub-licence, store, or in any other manner re-use Content from Our Site unless given express wrote permission to do so by Us.
4.3 You may:
4.3.1 Access, view and use Our Site in a web browser (including any web browsing capability built into other types of software or app);
4.3.2 Download Our Site (or any part of it) for caching;
4.3.3 Print pages from Our Site;
4.3.4 Download extracts from pages on Our Site; and
4.3.5 Save pages from Our Site for later and/or offline viewing.
4.4 Our status as the owner and author of the Content on Our Site (or that of identified licensors, as appropriate) must always be acknowledged.
4.5 You may not use any Content saved or downloaded from Our Site for commercial purposes without first obtaining a licence from Us (or our licensors, as appropriate) to do so. This does not prohibit the normal access, viewing and use of Our Site for general information purposes whether by business users or consumers.
4.6 Nothing in these Terms of Use limits or excludes the provisions of Chapter III of the Copyrights, Designs and Patents Act 1988 ‘Acts Permitted in Relation to Copyright Works’, covering, in particular, the making of temporary copies; the making of personal copies for private use; research and private study; the making of copies for text and data analysis for non-commercial research; criticism, review, quotation and news reporting; caricature, parody or pastiche; and the incidental inclusion of copyright material.
5.1 You may link to Our Site provided that:
5.1.1 You do so in a fair and legal manner;
5.1.2 You do not do so in a manner that suggests any form of association, endorsement or approval on Our part where none exists;
5.1.3 You do not use any logos or trademarks displayed on Our Site without Our express written permission; and
5.1.4 You do not do so in a way that is calculated to damage Our reputation or to take unfair advantage of it.
5.2 You may not link to any page other than the homepage of Our Site, https://www.zunde.co Deep-linking to other pages requires Our express written permission.
5.3 Framing or embedding of Our Site on other websites is not permitted without Our express written permission. Please contact us for further information.
5.4 You may not link to Our Site from any other site which contains material that:
5.4.1 Is sexually explicit;
5.4.2 Is obscene, deliberately offensive, hateful or otherwise inflammatory;
5.4.3 Promotes violence;
5.4.4 Promotes or assists in any form of unlawful activity;
5.4.5 Discriminates against, or is in any way defamatory of, any person, group or class of persons, race, sex, religion, nationality, disability, sexual orientation, or age;
5.4.6 Is designed or is otherwise likely to threaten, harass, annoy, alarm, inconvenience, upset, or embarrass another person;
5.4.7 Is calculated or is otherwise likely to deceive another person;
5.4.8 Is designed or is otherwise likely to infringe (or to threaten to infringe) another person’s privacy;
5.4.9 Misleadingly impersonates any person or otherwise misrepresents the identity or affiliation of a particular person in a way that is calculated to deceive (obvious parodies are not included in this definition provided that they do not fall within any of the other provisions of this sub-Clause 5.4);
5.4.10 Implies any form of affiliation with Us where none exists;
5.4.11 Infringes, or assists in the infringement of, the intellectual property rights (including, but not limited to, copyright, trademarks and database rights) of any other party; or
5.4.12 Is made in breach of any legal duty owed to a third party including, but not limited to, contractual duties and duties of confidence.
5.5 The content restrictions in sub-Clause 5.4 do not apply to content submitted to sites by other users provided that the primary purpose of the site accords with the provisions of sub-Clause 5.4. You are not, for example, prohibited from posting links on general-purpose social networking sites merely because another user may post such content. You are, however, prohibited from posting links on websites which focus on or encourage the submission of such content from users.
Links to other sites may be included on Our Site. Unless expressly stated, these sites are not under Our control. We neither assume nor accept responsibility or liability for the content of third-party sites. The inclusion of a link to another site on Our Site is for information only and does not imply any endorsement of the sites themselves or of those in control of them.
7.1 The Content on Our Site does not constitute advice or a recommendation on which you should rely. It is provided for general information purposes only so that you can select the product that you feel is most appropriate to meet your needs. You should always check the suitability, adequacy and appropriateness of the product that is of interest to you. Professional or specialist advice should always be sought before taking any action relating to a mortgage or insurance related enquiry. This can be obtained by getting intouch with your independent qualified advisors
7.2 By submitting this enquiry you are agreeing to the Terms of Use in relation to our non-advised insurance and mortgage services. You will need to answer a number of questions on this Website in order to compare or obtain a quote for any insurance or mortgage product. These questions are designed to ensure that we have all the information necessary to provide you with appropriate and timely information relating to the products in which you are interested. It is very important that you answer all of the questions truthfully, completely and accurately and that you disclose all relevant facts. Failure to do so could invalidate the insurance product you purchase resulting in no insurance cover or a mortgage application being declined. If your insurance product is invalid, claims may not be paid and you could be responsible for any third party costs if any event occurs where you would otherwise have been covered by the insurance product.
7.3 Before you apply for any insurance or mortgage product, it is very important that you check all of the information held by the provider about you to ensure it is true, correct, complete and accurate, that it is not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information held by the insurance provider about you before you apply for any product. Failure to correct any mistakes or errors in the information held by the provider about you or a failure to disclose all relevant facts could invalidate your chosen insurance product or result in a mortgage application being declined.
7.4 The information you provide may be used to carry out certain credit checks through licensed credit-referencing agencies. This is used as part of the underwriting process for mortgage and insurance providers. A record of this search will be made although this will not adversely affect your credit profile.
7.5 Most insurance providers make certain assumptions about you. These will be different to any assumptions made by us about you. It is your responsibility to check the assumptions made by insurance providers as they form part of your contract with your selected insurance provider. If any assumption made by an insurance provider is incorrect, you must inform the insurance provider before you apply for any insurance product. Failure to do so could invalidate the insurance product.
7.6 In providing our home insurance service, we have made the following assumptions and we have answered some questions on your behalf using those assumptions:
You or anyone currently living at the property: Do not have any unspent criminal convictions or prosecutions pending. Have not been declared bankrupt. Have never had insurance cancelled, refused or special terms applied by your insurer.
7.7 If these assumptions are incorrect it is your responsibility to change the answers and provide the correct information when making an application for the product to the home insurance provider.
7.8 In providing our life insurance service, we have made certain assumptions about you and we have answered some questions on your behalf using those assumptions. If these assumptions are incorrect it is your responsibility to change the answers and provide the correct information when making an application for the product to the life insurance provider.
7.9 You agree that we may use your data to send you renewal quotes as a reminder when your policy is due to expire and to highlight how we could continue saving you money. This involves reusing the data you previously supplied to us and some providers may carry out soft credit checks as part of this process. These searches will be visible on your credit file, but will be clearly noted as being for quotation purposes and they will not affect your chances of obtaining credit in the future.
7.10 It is very important before you apply for any mortgage or insurance product that you carefully read the terms and conditions of the product and any other documentation that applies to the mortgage or insurance product. You must familiarise yourself with all the details of the mortgage or insurance product, for example, the restrictions, exclusions, conditions and obligations which apply. It is your responsibility to ensure that the product matches your requirements and that you agree to the terms and conditions of the product before you apply for it. We accept no responsibility or liability whatsoever for any loss or damage you may suffer or incur in the event that any product you apply for does not meet your requirements or is not suitable for you.
7.11 We make no representation, warranty, or guarantee that Our Site will meet your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure.
7.12 We make reasonable efforts to ensure that the Content on Our Site is complete, accurate, and up-to-date. We do not, however, make any representations, warranties or guarantees (whether express or implied) that the Content is complete, accurate, or up-to-date.
8.1 To the fullest extent permissible by law, We accept no liability to any user for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) Our Site or the use of or reliance upon any Content included on Our Site.
8.2 To the fullest extent permissible by law, We exclude all representations, warranties, and guarantees (whether express or implied) that may apply to Our Site or any Content included on Our Site.
8.3 Our Site is intended for non-commercial use only. If you are a commercial user, We accept no liability for loss of profits, sales, business or revenue; loss of business opportunity, goodwill or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.
8.4 We exercise all reasonable skill and care to ensure that Our Site is free from viruses and other malware. We accept no liability for any loss or damage resulting from a virus or other malware, a distributed denial of service attack, or other harmful material or event that may adversely affect your hardware, software, data or other material that occurs as a result of your use of Our Site (including the downloading of any Content from it) or any other site referred to on Our Site.
8.5 We neither assume nor accept responsibility or liability arising out of any disruption or non-availability of Our Site resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, natural events, acts of war, or legal restrictions and censorship.
8.6 Nothing in these Terms of Use excludes or restricts Our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be excluded or restricted by law. For full details of consumers’ legal rights, including those relating to digital content, please contact your local Citizens’ Advice Bureau or Trading Standards Office.
9.1 We exercise all reasonable skill and care to ensure that Our Site is secure and free from viruses and other malware.
9.2 You are responsible for protecting your hardware, software, data and other material from viruses, malware, and other internet security risks.
9.3 You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via Our Site.
9.4 You must not attempt to gain unauthorised access to any part of Our Site, the server on which Our Site is stored, or any other server, computer, or database connected to Our Site.
9.5 You must not attack Our Site by means of a denial of service attack, a distributed denial of service attack, or by any other means.
9.6 By breaching the provisions of sub-Clauses 9.3 to 9.5 you may be committing a criminal offence under the Computer Misuse Act 1990. Any and all such breaches will be reported to the relevant law enforcement authorities and We will cooperate fully with those authorities by disclosing your identity to them. Your right to use Our Site will cease immediately in the event of such a breach.
10.1 You may only use Our Site in a manner that is lawful. Specifically:
10.1.1 You must ensure that you comply fully with any and all local, national or international laws and/or regulations;
10.1.2 You must not use Our Site in any way, or for any purpose, that is unlawful or fraudulent;
10.1.3 You must not use Our Site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware, or any other code designed to adversely affect computer hardware, software, or data of any kind; and
10.1.4 You must not use Our Site in any way, or for any purpose, that is intended to harm any person or persons in any way.
10.2 We reserve the right to suspend or terminate your access to Our Site if you materially breach the provisions of this Clause 10 or any of the other provisions of these Terms of Use. Specifically, We may take one or more of the following actions:
10.2.1 Suspend, whether temporarily or permanently, your right to access Our Site;
10.2.2 Issue you with a written warning;
10.2.3 Take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach;
10.2.4 Take further legal action against you as appropriate;
10.2.5 Disclose such information to law enforcement authorities as required or as We deem reasonably necessary; and/or
10.2.6 Any other actions which We deem reasonably appropriate (and lawful).
10.3 We hereby exclude any and all liability arising out of any actions (including, but not limited to those set out above) that We may take in response to breaches of these Terms of Use.
Use of Our Site is also governed by Our Cookie and Privacy Policies, available from our Privacy Policy. These policies are incorporated into these Terms and Use by this reference.
12.1 We may make changes these Terms of Use from time to time. You should check this page regularly to see our most up to date policy. We will tell you about any changes to this policy by showing the date of the changes in the ‘Last updated’ section. By using the website after the date we make any changes, you are agreeing to the changes.
To contact Us, please email us or use any of the methods provided on Our Site www.zunde.co
14.1 Contacting you
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.
14.2 Will we share your information?
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. Credit Kudos and 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 share this information with mortgage lenders and insurance providers in your home country (country where you are seeking the mortgage or insurance) who will issue your mortgage or insurance product.
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:
Any mortgage lender or insurance provider you have asked us to make an application on your behalf. Credit reference agencies Fraud prevention agencies Regulators and authorities.
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.
14.3 Gaining your consent
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 as to how we gain your consent please refer to our E-Marketing consent 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 from via the unsubscribe link, it may take up to 2 business days for your new preferences to take effect.
15.1 In the unlikely event that you wish to make a complaint about any aspect of our company, please contact us in writing:
15.2 FAO Complaints Officer, Zunde Limited, Unit 72, Greenway Business Centre, Harlow Business Park, Harlow CM19 5QE.
15.3 Services provided by Zunde Limited are not be regulated by the Financial Conduct Authority.
16.1 Any and all personal information that We may collect will be collected, used and held in accordance with the provisions of the General Data Protection Regulation (GDPR) and your rights and Our obligations under that Act.
Our Privacy Policy provides detailed information as to how we collect, process and store your data as well as the rights you are afforded under GDPR. A link to our privacy policy can be found here.
16.2 We may use your personal information to:
16.2.1 Reply to any communications you send to Us;
16.2.2 Send you important notices, as detailed in Clause 14;
16.2.3 Transfer data to other companies associated with us, such as product providers, the FCA or any other statutory, governmental or regulatory body for legitimate purposes.
16.2.4 Contact you or pass your details to other companies associated with us to contact you (including by telephone) with details of any other similar products, promotions, or for related marketing purposes in which we think you may be interested. This information will only be sent once we have gained your express permission to do so.
16.3 The information provided may also contain sensitive personal data for the purposes of the Act, being information as to your physical or mental health or condition; the committing or alleged committing of any offence by you; any proceedings for an offence committed or alleged to have been committed by you, including the outcome or sentence in such proceedings; your political opinions; religious or similar beliefs; sexual life; or your membership of a Trade Union.
16.4 If at any time you wish us or any company associated with us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact The Data Protection Officer in writing at Zunde Limited, Unit 72, Greenway Business Centre, Harlow Business Park, Harlow CM19 5QE.
16.5 You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for a legitimate purpose. Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the data.
16.6 Subject to certain exceptions, you are entitled to have access to your personal and sensitive personal data held by us. You may be charged a fee (subject to the statutory maximum) for supplying you with such data.
17.1 These Terms and Conditions, and the relationship between you and Us (whether contractual or otherwise) shall be governed by, and construed in accordance with, English law.
17.2 If you are a consumer, any disputes concerning these Terms and Conditions, the relationship between you and Us, or any matters arising therefrom or associated therewith (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of England, Wales, Scotland, or Northern Ireland, as determined by your residency.
17.3 If you are a business, any disputes concerning these Terms and Conditions, the relationship between you and Us, or any matters arising therefrom or associated therewith (whether contractual or otherwise) shall be subject to the exclusive jurisdiction of the courts of England and Wales.
