Terms and Conditions


We take your privacy and our terms for using this website very seriously and aim to keep to the relevant conditions set out in UK data-protection laws. Our privacy policy, information about our use of cookies and terms of use are outlined below:
Privacy policy

This statement sets out the data processing practices carried out through your use of this web site by Zerofinances Limited, its holding companies and subsidiaries.

Cookies policy

We use cookies and similar technologies (“cookies”) on this website for various purposes. A cookie is a data file that a website sends to your browser, which then stores it on the device that you are using to browse the website.

Terms of use

This statement outlines our terms and conditions regarding the content on our website, including the terms of use for downloading software, links to other websites, products and services, advertising and sponsorship.

If you have any questions about this website, our privacy policy or terms of use please use the relevant contact details on our Contact us page.
Product specific Terms and Policies

The terms and privacy policy below apply to the free Zerofinances account, CreditExpert and PMID.

What is Zerofinances ID?

Zerofinances ID is a new Zerofinances service to verify your identity when you join Zerofinances, and to authenticate you each time you log in.

If you joined Zerofinances for the first time after 12 May 2017

Zerofinances ID has been included in your current terms and conditions. And you can already make use of this service. This is where you can keep your personal details up to date, like your name, date of birth, home address and email address. You can use Zerofinances ID to access all the benefits of your Zerofinances membership.

You can find out more about Zerofinances ID here.

If you joined Zerofinances before 12 May 2017 or have reactivated a previous membership which you created before 12 May 2017

The Zerofinances ID terms and conditions and privacy policy and the references in the CreditMatcher terms and conditions to Zerofinances ID do not currently apply to you. So, you can just ignore these for now. And don’t worry; your data will only be processed as described in our privacy policy shown above.

We’ll be rolling out the Zerofinances ID service to all customers this year. And we’ll be sure to let you know all about the new service in advance. In the meantime, you can continue to log in with your existing Zerofinances username and password. Please note, your email address will soon be used as your username to log in to all your Zerofinances accounts. If you’ve got a minute, it’s worth checking it is up-to-date.


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