Terms and Conditions

By accessing, using, or engaging with the services of this website, or in any other way interacting with Versus Finance Limited or its representatives, you agree to be bound by these Terms and Conditions. This includes any use of the Site, our services, or any other connection with our business, whether via online platforms, direct communication, or in person. If you do not agree with any part of these terms, please refrain from using the Site, services, or interacting with our company.

1. General Information

The information provided on this Site is intended solely for individuals and businesses residents in Jersey, Channel Islands. It is for informational purposes only and does not constitute financial advice, tax advice, or a contractual offer. For professional financial advice or tax advice, we always recommend that clients consult with an independent financial advisor or tax expert.

2. Our Business Identity

Versus Finance Limited is a private company registered in Jersey, located at:
De Carteret House
7 Castle Street,
St Helier, Jersey, JE2 3BT.

We are registered with the Jersey Financial Services Commission (JFSC) under registration number 123690.

3. Business Introduction

Versus Finance Limited acts as a finance and mortgage broker and credit introducer. We do not lend money, provide financial or tax advice, or act as a product provider. Our role is limited to introducing clients to third-party lenders, mortgage providers, finance providers and insurers. Any agreement entered into is solely between the client and the relevant provider. Versus Finance Limited is not responsible for the decisions, terms or conduct of any third-party providers.

4. Commission Disclosure and Fees

We are committed to full transparency regarding our fees. Versus Finance Limited may receive commission or remuneration from businesses to which we introduce our clients. This remuneration does not influence the selection of lenders, finance providers or insurers we introduce to clients.

We charge an arrangement fee for certain brokerage services where we arrange finance on your behalf.

• Hire Purchase : No fees
• Personal/Business Lending : 3% of the total loan amount, with a minimum fee of £295
• Mortgage Brokerage : £1,495, payable upon submission of a complete application
• Mortgage Brokerage (BTL) : £2,500, payable upon submission of a complete application

• Additional Work Fees: If the scope of work increases (e.g., business plan writing, complex products, or additional services), extra fees may apply. We will provide a clear breakdown and obtain written approval before proceeding.

5. Payment Terms

Arrangement fees are payable either upon submission of a complete application or upon approval of a finance application, depending on the service provided and as disclosed to the client prior to proceeding.

• Bank Transfer (BACS)
• Cheque
• Credit/Debit Card (PCI DSS compliant payment system)

Note: No cash payments accepted.

6. Arrangement Fees

Where an arrangement fee applies, the client will be informed of the applicable fee before any chargeable work begins. By proceeding with our services after this disclosure, the client acknowledges and accepts the applicable arrangement fee.

In certain cases, we may also provide a written fee confirmation outlining the services to be provided and the applicable charges.

Client Acknowledgment

By engaging with our services, submitting an enquiry, or proceeding with a finance or mortgage application through Versus Finance Limited, you acknowledge that you have read and understood these Terms and Conditions, including any applicable arrangement fees.

7. Not a Whole-of-Market Broker

Versus Finance Limited is not a whole-of-market broker. We provide access to a curated selection of products from finance companies and banking institutions that meet our specific criteria. Our services do not cover all available options in the market.

8. Privacy Notice

For detailed information regarding the use of personal data, please refer to our Privacy and Cookie Policy, which are accessible on this website.

9. Disclaimers and Legal Notices

The information on this Site is for informational purposes only. We recommend seeking independent legal, financial, or tax advice before acting on any information provided here. While we strive to maintain accuracy, we cannot guarantee the completeness or correctness of the content. Users are responsible for verifying the information before making decisions.

10. Regulatory Information

Versus Finance Limited is registered with the Jersey Financial Services Commission (JFSC) under registration number 123690. We act as a credit broker and introducer, facilitating introductions to third-party lenders, mortgage providers and finance institutions. We do not provide financial or tax advice.

11. Email and Communication

We aim to maintain reliable email and electronic communication; however, we cannot guarantee the security or delivery of messages transmitted over the internet. Clients should avoid sending sensitive or confidential information via unsecured channels.

12. Dispute Resolution

In the event of a dispute, both parties agree to attempt resolution through good faith discussions. Where appropriate, mediation may be considered prior to formal legal proceedings.

13. Copyright

“Versus Finance Limited” (including its logo and branding) is a registered trademark in the UK (no. UK00003826997) with the Intellectual Property Office. Unauthorized use, reproduction or distribution is strictly prohibited.

14. Governing Law

These terms are governed by the laws of Jersey, Channel Islands. Users consent to the exclusive jurisdiction of the Jersey courts for any disputes arising from the use of this Site.

15. Limitation of Liability

To the fullest extent permitted by law, Versus Finance Limited shall not be liable for any direct, indirect, incidental, consequential or punitive damages arising from your use of this Site or reliance on any information provided.

We do not accept responsibility for any loss arising from decisions made based on information contained on this website or as a result of introductions to third-party lenders, mortgage providers, finance companies or other service providers.

Versus Finance Limited is not responsible for the products, services, decisions or actions of any third-party provider. Any agreement entered into with a third party is solely between you and that provider.

Nothing in these Terms shall exclude or limit liability where it would be unlawful to do so.

16. Viruses, Hacking, and Offences

You must not misuse our Site by knowingly introducing viruses or other harmful material. Breaching this provision constitutes a criminal offence. We will report breaches to law enforcement authorities.

17. Linking to Our Site

You may link to our homepage, provided it is fair and legal. We reserve the right to withdraw linking permissions without notice.

18. Updates to Terms

We reserve the right to amend these Terms at any time. Material changes will be communicated via email or website notice. Continued use of the Site constitutes acceptance of revised terms.

19. Conflict of Interest

Versus Finance Limited will disclose any potential conflicts of interest that may arise and will take appropriate measures to manage them transparently.

20. Force Majeure

Neither party shall be held liable for any delay or failure to perform their obligations under these Terms and Conditions where such delay or failure is caused by a force majeure event, including but not limited to acts of God, war, terrorism, government action, strike, fire, flood, pandemic, or any other event outside of the reasonable control of the party affected.

In the event of such an occurrence, the affected party shall promptly notify the other party and make reasonable efforts to resume performance as soon as possible.