Zengo Ltd. Licensed under the Consumer Credit Act 1974 to carry on the business of consumer credit, consumer brokerage, consumer hire, debt adjusting and debt councelling and canvassing off trade premises.
Credit Brokers No 578248. Data Protection No Z9438466

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEBSITE

The Website
By using this website, the user ("user" or "you") agree to the following terms of use. If you do not agree to these terms, you should exit the website.
Zengo Ltd reserves the right to alter the contents of this website at any time without notice to you. Your continued use of this
site implies that you accept to be bound by any updated version of this site.

Cookies
The basic principles
A cookie is a text-only string of information that a website transfers to the cookie file of the browser of your computer's hard disk so that the website can remember who you are. A cookie will typically contain the name of the domain from which the cookie has come, the "lifetime" of the cookie, and a value, usually a randomly generated unique number.
Two types of cookies are used on the Website: Session Cookies which are temporary cookies that remain in the cookie file of your browser until you leave the Website. Persistent Cookies which remain in the cookie file of your browser for much longer (though how long will depend on the lifetime of each specific cookie). Cookies can help a website to arrange content to match your preferred interests more quickly. Most major websites use cookies. Cookies cannot be used by themselves to identify you.

• How we collect cookies on the Website and what information we collect

Session Cookies: To allow you to carry information across pages of the Website and avoid having to re-enter information. Persistent Cookies: To help us recognise you as a unique visitor (just a number) when you return to the Website and to allow us to tailor content, advertisements and the presentation of the Website to match your preferences. To compile anonymous, aggregated statistics that allow us to understand how users use the Website and to help us improve the structure of the Website. We cannot identify you personally in this way.
o Third Party Cookies.
Third parties serve cookies via the Website. These are used for the following purposes: To serve advertisements on the Website and track whether these advertisements are clicked on by users. To control how often you are shown a particular advertisement. To count the number of anonymous users of the Website.To provide security within transactions.
o Use of Web Beacons
Some of our web pages may contain electronic images know as web beacons (sometimes know as clear gifs) that allow us to count users who have visited these pages. Web beacons collect only limited information which including a cookie number, time and date of a page view, and a description of the page on which the web beacon resides. We may also carry web beacons placed by third party advertisers. These beacons do not carry any personally identifiable information and are only used to track the effectiveness of a particular campaign.

DATA PROTECTION NOTICE USE OF YOUR INFORMATION
- In considering your application the Lenders will each search your records at the other agencies (the full details of which are set out below) and will add to your credit record details of that search and your application. This will be seen by other organisations carrying out later searches. By sending information to us in any form, you give Zengo Ltd the permission to respond in the form of email, text messages, fax, mail or by telephone. The Lenders will also add to your credit record details of any agreement you enter into with the lenders, the payments you make under it and any default or failure to keep
its terms. It is therefore very important that any information you provide to the Lender is accurate because they will check your details with the Other Agencies, and if you give them false or inaccurate information and/or they suspect fraud, this information will be recorded by them and be available to other organisations carrying out later searches.

The Other Agencies records will be used and searched by the Lenders and other organisations to:

(1) Help make decisions about credit and credit related services for you and and members of your household.
(2) Help make decision about motor, household, credit, life and other insurance proposals and insurance claims for you and members of your household.
(3) Trace debtors, recover debt, prevent fraud and to manage your account or insurance policies.
(4) Check your identity to prevent money laundering, unless you furnish the Lenders with other satisfactory proof of identity.

In addition, the Lenders and the Other Agencies will also use these records for statistical analysis about credit, insurance and fraud. Your application will be submitted as required by ourselves to obtain finance for you. Your finance proposal will be submitted to the relevant finance company, in assessing your application, finance companies will make enquiries about you
including searching your records held by Equifax Plc and/or Experian Ltd (or any other credit reference agency from time to time) and checking your details with CIFAS and/or HUNTER (or any other fraud prevention agency from time to time). The credit reference and fraud prevention agencies will each keep details of any search. This information may be used to help finance companies and other organisations assess the financial risks of dealing with you and other members of your household, to help make decisions on insurance proposals and insurance claims, to administer agreements with you, to help prevent or detect fraud or other crimes and recover debts and for statistical analysis about credit and about insurance and fraud. If you give false or inaccurate information and fraud is suspected then this will be recorded. The finance companies may use a 'credit scoring' or other automated process in deciding whether to accept your application. This may involve searching your records again at one or more credit reference agencies (who will keep details of the search) as well as using other information they hold about you.

We confirm your consent to the use of your personal information for these purposes. We will disclose your personal information:

To our agents and Sub-contractors (including those based outside the European Economic Area) under a strict code of secrecy and security
To any person to whom we transfer our rights or obligations under the agreement.
If we are compelled to do so by law and for fraud prevention purposes
To licensed credit reference agencies to help us and others make credit decisions.
To third parties to enable them to provide details of products or services you may be interested in.

Marketing Information: By accepting our terms and conditions you, the applicant agree that Zengo Ltd and associate companies may solicit by mail, email, or telephone for any further products including home collections services. Zengo Ltd will retain information provided by you on computer. One of the ways your information will be used is to send you information or phone you about other products or services offered by Zengo Ltd or other carefully selected companies. Your name, purpose.

You have a right to receive a copy of the information the Agencies hold about you if you apply to them in writing and pay a fee.

Equifax PLC
Department 1e,
PO Box 300
Glasgow
G81 2DT.
Tel 0990 143700

Experian Limited
Consumer Help Service,
PO Box 8000,
Nottingham
NG1 5HF.
Tel 01159 768747

CIFAS
4th Floor - Central House
14 Upper Woburn Place
London
WC1H 0NN

By accepting our terms and conditions you confirm that you have ensured that all details given are, to the best of your knowledge correct.

For your protection Zengo Ltd will ensure that any loan or finance will be regulated by the Consumer Credit Act 1974.
If you would like to know more about the protection and remedies provided under The Act you should contact either your local Trading Standards Department or The Citizens Advice Bureau.

Typical loan example: £4,000 x 36 months at £157.15 per month total payable £5706.40 APR 28.1% variable, subject to status and affordability.

Written details on request.