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Initial Disclosure Document

Thank you for choosing Zuto. Here is some information that will be helpful for you when progressing with your vehicle finance to help you decide if our service is right for you. To make it simple, we have added everything into one place to answer any questions you might have.

Once you've decided to go ahead with vehicle finance through Zuto, it's important that you read the following information alongside your pre-contract information.

2. What services do we provide?

Zuto is a credit broker and not a lender. Throughout the process, your Car Buying Expert will ask you for information that will help us identify your needs and present a selection of products that are relevant. Please note, we are not financial advisors, and we don't offer financial advice - you must decide whether the finance product is right for you.

4. What products do we offer?

As we're a broker, we can introduce you to a group of lenders on our panel who provide credit and may be able to offer you finance for your vehicle purchase. Our role as a credit broker is to work with you to determine which product best suits your status and requirements. Each credit provider / lender offers different products and interest rates based on your individual circumstances.

5. Commission Arrangements

At Zuto, we don't charge you a fee for our services. We will receive a commission payment from our lenders for introducing you to them. The amount we receive will vary depending on the lender, product or amount borrowed. The commission received is either a fixed fee, or a fixed percentage of the total loan. Details on the amount of commission are available on request. Specific details of the amount and nature of commission earned by Zuto will be shared with you during your application process.

6. Lender fees

Some lenders may charge an acceptance fee which would be added to the finance amount. They may also charge an Option to Purchase Fee, which is a fee charged by the lender to legally transfer ownership of the vehicle to you at the end of your agreement. If either of these fees apply, we will always explain them to you before proceeding.

If you'd like any further information or have any questions about the information within this document, or your finance agreement please contact a member of our team on 01625 619944

8. What to do if you have a complaint

We're committed to providing you with the best possible products and service but sometimes we know things can go wrong. If you're not happy or feel the need to make a complaint, you can do so:

If you're not able to settle your complaint with us, you have the right to refer any unresolved complaint to the Financial Ombudsman Service. This needs to be done within six months of the date you receive your final response letter. You can contact them:

We take the privacy and security of your personal information seriously. If you are unhappy with the way we have collected, used, or handled your personal data, you have the right to raise a complaint with us. Data protection complaints are handled in line with applicable data protection laws, including the UK GDPR, the Data Protection Act 2018, and the Data (Use and Access) Act 2025, which may differ from our standard complaints process.

What counts as a data protection complaint?

A data protection complaint includes any concern you have about how we handle your personal information. This might include, but is not limited to:

How to raise a complaint

If you have a concern about how we have handled your personal information, we encourage you to contact us in the first instance so we can try to resolve it for you.

Where a complaint is made through social media or another insecure public channel, we will ask you to continue the complaint through a more secure method to protect your data.

We aim to acknowledge your complaint within 30 days and will keep you informed throughout the process.

Taking your complaint further

If you are not satisfied with our response, you have the right to escalate your complaint to the Information Commissioner's Office (ICO), the UK's independent authority for data protection matters.

The Information Commissioner's Office can be contacted using any of the following methods:

A copy of the Information Commissioner's Office's data protection complaints process – setting out further details of the work they do – can be found on their website at https://ico.org.uk/make-a-complaint/data-protection-complaints/.

Your personal data is being processed by Zuto Ltd. The data we collect and how we process it is set out in more detail in our Privacy Policy which can be seen here: https://www.zuto.com/privacy

The FCA is currently undertaking a review of historic discretionary commission arrangements (DCA) within the motor finance sector and, to support this, they have made some changes to complaints rules relating to DCA. The key change that could impact our customers when making a complaint is the implementation of a “pause” to the normal 8-week response timescales that all firms, including Zuto, have to respond to complaints that relate to DCA. During this pause, we will continue to investigate any complaint relating to DCA, but you may not receive a final response to your complaint until the FCA has concluded their investigation. Under current rules we are not expected to issue a final response until after 31st May 2026.

Further details in regards to what this means for you, your complaint and your FOS rights can be found here: FCA - Car Finance Claims

Last updated: 20th February 2026