Terms of use for the intermediary service

These terms and conditions govern your use of the loan comparison and loan intermediation service provided by Zmarta AB, reg. no. 556647-0737. When you initiate or complete a comparison or application for a loan through zmarta.se or freedomfinance.se, by telephone or otherwise, you do so in relation to Zmarta AB (hereinafter referred to as "Zmarta" or "we"), which provides these services.

Zmarta is a credit intermediary that offers a service where you can compare loan terms with different lenders that we work with (the "Service"). Zmarta has the necessary permits and is under the supervision of the Swedish Financial Supervisory Authority.

When you use the Service, you, and any co-applicant, accept and agree to these Terms of Use. When we write "you/you/your" in the future, this also includes any co-applicants. You are responsible for ensuring that your co-applicant has read and accepts these terms and conditions.

What does it mean to make a loan comparison via Zmarta?

The mediation service and your acceptance of these terms of use means that you instruct Zmarta to make a loan application and obtain loan offers for you from our partners (affiliated lenders). You agree that Zmarta shares information that you have provided with affiliated lenders.

Zmarta takes a credit check and collects other information about you that is shared with the lenders

By using the Service, you, and any co-applicant, agree that Zmarta will order a credit report on you from UC AB ("UC"). Only one credit report is registered with UC that our affiliated lenders can access. UC will send you request copies so that you know what information has been disclosed and to whom. You can get several request copies, but this does not mean that several credit reports have been registered on you. A few of our affiliated lenders can also order credit reports from a credit bureau other than UC. These credit reports do not affect each other or your credit score.

Lenders may contact your employer and/or conduct searches of public records to verify the information provided. Zmarta can also use public records to verify the information provided.

You can choose to give Zmarta permission to collect supplementary information from your bank account in order for lenders to make a more accurate credit assessment. If you give Zmarta such permission, you also authorize Zmarta to forward the information to affiliated lenders.

Your loan application will be sent to the lenders that best match your profile

Zmarta will send your loan application to the lenders that best match your profile. This means that information that you provide in your application and that is in your credit report is matched with the requirements set by different lenders such as loan amount, income, payment defaults, type of employment, age, etc. Your application is then processed by the lenders who could offer you a loan.

The lenders process your loan application and share information with Zmarta

In order for Zmarta to be able to fulfill its mission as an intermediary, we need to receive information from the lenders who examine your application about how your case is going, what decision the lender makes and other information of importance to our service. By using the Service, you agree that the lenders who examine your application will disclose such information to Zmarta.

Processing of personal data

You can find information about how we process your personal data in our data protection policy.

Things to consider before taking out a new loan

Before you take out a loan, it is important that you review your finances, for example by making a budget and seeing if your finances can bear the cost of the loan. If you are a consumer, you can use the Swedish Consumer Agency's website Hallå Konsument for independent guidance and to get tips on how to get a better overview of your personal finances and what you can do to make your money last longer.

Advance information under the Consumer Credit Act

Loans that Zmarta mediates to consumers are subject to the Housing Credit Act and the Consumer Credit Act. If you want to check Zmarta's regulatory status, this can be done at the Swedish Financial Supervisory Authority and at fi.se. Zmarta's credit intermediaries are employees of the company and meet the formal requirements for being a credit intermediary.

Fees and compensation

You do not pay any fees to Zmarta for the brokerage. Zmarta receives compensation from the lenders for our part in the brokerage. The compensation is variable and varies depending on who is the lender for the credit you choose. However, employees of Zmarta who mediate the credit have the same salary and compensation regardless of which lender you choose.

When you apply for a mortgage through Zmarta, it is clear what compensation Zmarta receives from the lender from the standardized fact sheet that you receive from the lender before you enter into the credit agreement.

Lenders

Here you find a list of the lenders that Zmarta cooperates with. The credits are mediated to selected lenders and not on the basis of an impartial analysis.

Counseling

Zmarta does not offer any advice in connection with credit mediation.

Liability insurance

Zmarta AB has liability insurance with AIG Europe S.A. Filial i Sverige, reg. no. 516411-4117, Box 3506, SE-103 69 Stockholm, telephone 08–50 69 20 00, info.sweden@aig.com (the "Insurer"). If you as a customer suffer an injury for which Zmarta is liable for damages, you must contact Zmarta in writing with your claim for damages. If Zmarta does not report such liability damage to the Insurer, you can turn directly to the Insurer and submit your claim for compensation. Such a claim must be made as soon as possible, but no later than six months after you have made the claim against Zmarta in writing. The maximum compensation that can be paid out from liability insurance is EUR 460,000 per claim and EUR 750,000 per insurance year.

Address information

The National Board for Consumer Disputes Box 174, 101 23 Stockholm
Phone: 08-508 860 00 E-mail: arn@arn.se Website: https://arn.se

Finansinspektionen Box 7821, 103 97 Stockholm
Phone: 08-787 80 00 E-mail: fnansinspektionen@fi.se Website: https://fi.se

Hallå Konsument
Phone: 0771-525 525 Website: https://hallakonsument.se

Konsumenternas Bank- och finansbyrå, Box 24 215, 104 51 Stockholm
Phone: 0200-22 58 00 Website: https://konsumenternas.se

Zmarta's contact details

Zmarta
Box 1068
262 21 Ängelholm

Phone: 0771-47 48 49
E-mail: info@zmarta.se

Complaints

Your feedback is important to us and we want to know if you are dissatisfied with our services. If you have a complaint, you should first contact our customer service on 0771-47 48 49 or to the employee with whom you have been in contact. If you are still not satisfied and would like our Complaints Officer to examine your complaint, you can submit a written complaint by email to klagomal@zmarta.se or by post to Zmarta's Complaints Officer, Box 1068, 262 21 Ängelholm.

We handle all complaints in a careful manner and will return within two weeks with information on how the case will be handled. If you are not satisfied after Zmarta has examined your complaint, you can turn to the National Board for Consumer Disputes. As a private customer, you can also get help from the Swedish Consumer Agency's independent guidance Hallå Konsument or the Swedish Consumers' Banking and Finance Bureau. You can also have the dispute tried by a Swedish general court.

Data protection policy - Loan mediation

This information describes the processing of personal data that is specific to the loan mediation service (within the brands Centum Finans, Freedom Finance, Freedom Rahoitus andZmarta). The information in this part should be read together with the general part for a complete picture of Zmarta's processing of personal data for the loan mediation service. The personal data controller for the loan mediation in Sweden is Zmarta AB in terms of mediation through the brands Freedom Finance and Zmarta. The personal data controller for the loan mediation in Finland is Freedom Rahoitus Oy, and the personal data controller for the loan mediation in Norway is Zmarta AS.

More detailed information about which categories of personal data we collect specifically for the loan mediation service and which processing we carry out, for which purpose and based on which legal basis:

Personal and contact details

(e.g. name, social security number, address, telephone number and e-mail address)

Purpose of processing: we need the information to be able to provide our services to you. We also need the information to communicate with you and present offers, for direct marketing, for developing and ensuring the functionality of our services, for information security, for customer service and to prevent misuse of our services, as well as to fulfill legal obligations such as . follows from money laundering legislation.

Legal basis for the processing: fulfillment of our contract with you and fulfillment of legal obligation and/or legitimate interest.

Automated decision-making and profiling: Your information that you provide in your application is automatically matched with the requirements set by the respective lenders according to their internal regulations and conditions.

Sharing of information: t he information in your application is sent to and shared with affiliated lenders in order for us to provide the mediation service. The information is also sent to UC AB, or other credit reporting companies that Zmarta cooperates with, so that we can obtain a credit report on you, as well as to suppliers for updating personal and address information, as well as Creditsafe AB, or similar companies that Zmarta cooperates with, for monitoring any future debt balance. In connection with an application, your name and social security number are shared with an external company in order to check whether you are a politically exposed person (so-called PEP) according to money laundering legislation. At the same time, you are checked against the UN and EU sanctions lists, which is another part of our work to prevent money laundering and terrorist financing. If you log in to My pages/My account with BankID, your personal data is shared with BankID to ensure your identity. Your contact details may also be shared with our suppliers for, for example, services in printing, envelopes or suppliers for the retrieval and analysis of statistical information. We may also engage suppliers and in some cases also our own companies within the group when performing certain services, for example customer surveys or telemarketing operations. This means that they also need to share certain information about you as a customer. For marketing purposes, the information may be shared with other companies within Zmarta ´. envelope or supplier for the retrieval and analysis of statistical information. We may also engage suppliers and in some cases also our own companies within the group when performing certain services, for example customer surveys or telemarketing operations. This means that they also need to share certain information about you as a customer. For marketing purposes, the information may be shared with other companies within Zmarta. envelope or supplier for the retrieval and analysis of statistical information. We may also engage suppliers and in some cases also our own companies within the group when performing certain services, for example customer surveys or telemarketing operations. This means that they also need to share certain information about you as a customer. For marketing purposes, the information may be shared with other companies within Zmarta.

Credit information as well as information about payment notices and any debt balance with the Swedish Enforement Agency (Kronofogden)

Purpose of the processing: in connection with your application for a loan mediation with us, we obtain credit information about you from UC AB, or other credit information companies that Zmarta cooperates with. Information, which is included in the credit report, about e.g. payment notes and any debt balance with the Swedish Enforcement Agency (Sw. Kronofogden), are processed so that we can send your application to the relevant lender. If you do not provide this information, we are unfortunately unable to provide mediation services to you.

Legal basis for the processing: fulfillment of our contract with you.

Automated decision-making and profiling: Information about payment complaints automatically means that your application is only sent to the affiliated lenders that accept loan applicants who have payment complaints. Information about the debt balance automatically leads to your application not being processed, due to affiliated lenders' own regulations.

Sharing of information: In order to be able to offer the service regarding monitoring of debt balance information at the Swedish Enforcement Agency, social security numbers are shared with Creditsafe. the information in your application is sent and shared with affiliated lenders in order for us to provide the mediation service.

Application information

(e.g. information on income, employer, bank account number, requested loan amount, payment account transactions, purpose of loan, etc.)

Purpose of processing: requested information is needed so that we can prepare and send an application to connected lenders and prevent money laundering and fraud. The information is also used by us to compile statistics and for analysis purposes. Information about whether you, or a close relative, is a politically exposed person is a legal requirement according to money laundering legislation in order to apply for a loan.

Legal basis for the processing: fulfillment of our contract with you and fulfillment of legal obligation and/or legitimate interest.

Automated decision-making and profiling: Your information that you provide in your application is automatically matched with the requirements set by the respective lender or insurance provider according to their internal regulations and conditions such as loan amount, income, form of employment, etc.

Sharing of information: the information in your application is sent and shared with affiliated lenders and insurance providers in order for us to provide the mediation service. If you download information about your bank account, information is also shared with Tink AB, or similar companies that Zmarta cooperates with, and the bank where you have your account.