Terms & Conditions

Last updated: 26 October 2026

Introduction

This page sets out both the Terms and Conditions for using our website and the Privacy Policy explaining how we handle your personal information.

Kandoo is a trading style of Switcha Limited, a company registered in England and Wales.
Registered address: Second Floor, De Burgh House, Market Road, Wickford, Essex, England, SS12 0FD.
Switcha Limited is authorised and regulated by the Financial Conduct Authority (FCA) under reference number 828963 for credit broking.
We are a credit broker and not a lender.

By accessing or using www.kandoo.co.uk, you agree to be bound by these Terms and Conditions and acknowledge that you have read and understood our Privacy Policy.
If you do not agree, please do not use this website.

Part 1 – Terms and Conditions of Use

1. Our Services

Kandoo provides a platform that enables customers to compare finance options and connect with a panel of lenders.
We act as a credit broker and not a lender. We may receive a commission from lenders or other partners when you take up an offer introduced via our site.

We do not provide financial advice. You are responsible for deciding whether any product or offer is suitable for your circumstances before entering into an agreement.

2. Eligibility

Our services are available only to UK residents aged 18 or over.
You must ensure that any information you provide is accurate, current, and complete.

3. How We Are Paid

We may receive a commission or fee from lenders, brokers, or other intermediaries when you proceed with a finance product introduced through Kandoo.
This commission does not affect the amount you pay.

4. Intellectual Property

All content, text, graphics, logos, and trademarks on this website are the property of Switcha Limited or its licensors.
You may view, print, or download extracts for personal use only.
You must not reproduce, distribute, or exploit any material for commercial purposes without our prior written consent.

5. Website Availability and Accuracy

We aim to keep the website accurate and available at all times, but we cannot guarantee uninterrupted access or that information will always be error-free or up to date.
We accept no liability for any loss or damage arising from reliance on the information provided on this site.

6. Third-Party Links

Our website may include links to third-party websites for your convenience.
We are not responsible for the content, data practices, or accuracy of those websites and do not endorse them.
Please review their privacy policies and terms before using any third-party service.

7. Limitation of Liability

To the fullest extent permitted by law, Switcha Limited and its affiliates will not be liable for any direct, indirect, incidental, or consequential loss arising from your use of this website or our services, including but not limited to loss of profits, data, or business opportunities.

Nothing in these Terms limits or excludes liability for fraud, fraudulent misrepresentation, or death or personal injury caused by negligence.

8. Governing Law

These Terms and Conditions are governed by the laws of England and Wales.
Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

9. Changes to These Terms

We may update these Terms and Conditions from time to time by publishing a new version on this page.
Please check regularly to ensure you understand the current terms that apply.

Part 2 – Privacy Policy

1. Overview

This Privacy Policy explains how Switcha Limited (“we”, “us”, “our”), trading as Kandoo, collects, uses, and protects your personal information when you use our services or visit our website.

2. Information We Collect

We may collect and process the following information:

  • Personal details such as your name, email address, phone number, and postal address.
  • Financial information required to match you with suitable finance products (income, employment status, etc.).
  • Technical information including your IP address, browser type, and website usage data collected through cookies.
  • Communication records, such as phone calls, messages, or emails sent to us.

3. How We Use Your Information

We use your personal data to:

  • Provide our credit broking and comparison services.
  • Pass your details to lenders or brokers to process your enquiry.
  • Communicate with you about your application.
  • Improve our website, products, and services.
  • Comply with legal and regulatory obligations.

We will never sell your data to any third party.

4. Legal Bases for Processing

We process your personal data under one or more of the following lawful bases:

  • Contractual necessity – to deliver the services you request.
  • Legitimate interests – to operate and improve our business.
  • Legal obligations – to meet FCA and other regulatory requirements.
  • Consent – where you have agreed to receive marketing communications.

5. Sharing Your Data

When you ask us to help you find finance, we may share relevant information with selected lenders, credit brokers and finance introduction partners so they can respond to your enquiry, discuss your requirements, assess eligibility and help process an application. We share only information needed for the relevant enquiry or service, not your details with every partner.

Depending on the finance you request and the route you choose, our finance and referral partners include:

  • Loans Warehouse
  • Car Finance 247
  • Genuine Finance
  • Salad (Salad Money)
  • Moneyboat
  • Funding Fred
  • Creative Funding Solutions

Information shared may include your name, contact details, the amount and purpose of funding requested, and relevant financial, employment, property or business information that you provide. A partner handling your enquiry may contact you directly by telephone, email or text to discuss that enquiry or application.

Some journeys take you to a partner's website, where you provide your information directly to that partner. A referral link does not necessarily mean that Kandoo has transferred an application or customer record. Please read the privacy notice shown on the relevant partner's website or application form.

Finance partners generally act as independent data controllers for the information they receive. Their own privacy notices explain their use of your information, any onward sharing with lenders, credit reference or fraud prevention agencies, retention periods and your rights. We may introduce you to other relevant finance providers where appropriate to your request; we will identify the recipient or explain the relevant category before sharing where required.

We share information only where we have a lawful basis. This may be where sharing is necessary to take steps at your request before entering into a contract or provide our agreed broking service; where necessary for our legitimate interests in arranging and administering relevant finance introductions, subject to your interests, rights and reasonable expectations; where required by law; or with your consent where required.

Sharing information to handle an enquiry is separate from sharing it for a partner's own marketing. Where consent is required for partner marketing, we will ask for a separate, specific opt-in identifying the partner and relevant contact channels. Reading or accepting this policy does not by itself give marketing consent. You can withdraw consent or object to direct marketing at any time by contacting us at admin@kandoo.co.uk, and can contact the relevant partner directly about its marketing.

We may also share relevant information with:

  • Service providers supporting website hosting, analytics, customer records and communications, with appropriate data protection arrangements.
  • Regulators, courts and other authorities where disclosure is legally required.

We may receive commission or referral fees for finance introductions, as explained in Part 1. This does not give partners permission to use your information for unrelated purposes. Updating this policy does not retrospectively create consent for earlier applications or authorise a new use of information without an appropriate lawful basis and any required notice or consent.

6. Cookies

We use cookies to improve your browsing experience and analyse website performance.
You can control or delete cookies through your browser settings at any time.
For more information, please see our separate Cookie Policy.

7. Data Security

We take appropriate technical and organisational measures to safeguard your data from loss, misuse, or unauthorised access.

8. Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected or to meet legal obligations.

9. Your Rights

You have the right to:

  • Access the personal data we hold about you.
  • Request correction or deletion of inaccurate data.
  • Withdraw consent for marketing.
  • Object to or restrict processing in certain cases.
  • Lodge a complaint with the Information Commissioner’s Office (ICO).

To exercise any of these rights, please contact us using the details below.

10. Contact Details

Switcha Limited (trading as Kandoo)
Registered address: Second Floor, De Burgh House, Market Road, Wickford, Essex, England, SS12 0FD.
FCA Firm Reference Number: 828963
Email: admin@kandoo.co.uk
Phone: 0161 532 7060

11. Updates to This Policy

We may update this Privacy Policy from time to time.
Any changes will be posted on this page with an updated date at the top.
Please check back regularly to stay informed.

‍

‍