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Carzu.com Initial Disclosure Document

What is an initial disclosure document?

The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA require us to provide you with a document called an 'Initial Disclosure Document'. This document provides information about us, the products we offer, the services we will provide, what we charge for our services, who regulates us, and what to do if you have a complaint. 

Who regulates us?

Carzu is a trading style of Car-Finance.Net Limited. Car-Finance.Net Limited FRN 720875 is an appointed representative of Jigsaw Finance Limited which is authorised and regulated by the Financial Conduct Authority FRN 679612. You can check this on the FCA's website www.FCA.gov.uk/register or by contacting the FCA on 0300 500 8082.

Which service will we provide you with?

We offer a non-advised service, meaning we cannot give you advice or a recommendation on products. But in assessing your application we will ask you for information to enable us to identify your needs and present a selection of products relevant to your requirements. You will then need to make your own choice about how to proceed. 

You will receive a pre-contract agreement known as the Standard European Consumer Credit Information (SECCI) which will detail the Terms & Conditions of the product you have chosen and advise you about any other fees and interest relating to the product. All financial applications submitted to Carzu are processed and/or administered by Jigsaw Finance Limited 

What products do we offer?

We offer a limited number of finance products from a selected panel of lenders. These products can be viewed in more detail by accessing the following link on our website www.carzu.com, alternatively you can request a copy to be sent by email or post. We would advise you to view these to ensure you are satisfied that the product you have chosen meets your requirements. Jigsaw Finance Limited is a credit broker not a lender. 

What will you have to pay us for our services?

We will charge a Broker Service Fee for the sourcing of the vehicle and our services Please see the details specified in our Information Notice by accessing the following link https://www.carzu.com/information-notice. We do not charge a fee for the introduction to the finance provider; however, we may receive a commission or fee payment from the finance provider if you decide to enter into an agreement with them. 

What to do if you have a complaint

If you wish to make a complaint, the first step is for us to understand your complaint. You can contact us by:

  • Phone: 01782 366843 
  • Post: Carzu Customer Care, Jigsaw Finance, Genesis Centre, Innovation Way, Stoke-on-Trent, Staffordshire, ST6 4BF. 
  • Email: customercare@carzu.com - please provide your name and contact number where we can get in touch with you between the hours of 08:30 – 15:30 Monday to Friday. 

We will acknowledge your complaint in writing within 5 working days, investigate your complaint and endeavour to send you a final response within 8 weeks of receipt of the complaint. If we are unable to provide you with a final response within this time we will send you an update. If you are not happy with our final response you can at escalate your complaint to the Financial Ombudsman, you will receive a leaflet detailing this with your final response letter. Alternatively, you may also contact the BVRLA Conciliation Service as an approved Alternative Dispute Resolution service. Details can be found at www.bvrla.co.uk or by contacting complaint@bvrla.co.uk 

For further information on how to make a complaint or our complaints handling process you can visit www.carzu.com/complaints


Our trading address is: Carzu, Genesis Centre, Innovation Way, Stoke- on-Trent, Staffordshire, ST6 4BF