Privacy Policy

Versus Finance is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and share your personal data when you use our website or services. By using our website and contacting us for our services, you agree to the practices outlined below.

1. Who We Are

Versus Finance Limited
De Carteret House, 7 Castle St, St Helier, Jersey JE2 3BT, Jersey

Jersey Office of The Information Commissioner (JOIC): Registration Number No 58024

Business Introduction

Versus Finance Limited acts as a finance and mortgage broker and business introducer. We do not lend money, provide financial or tax advice, nor act as a financial advisor or product provider. Our role is limited to introducing clients to appropriate third-party finance companies and banking institutions that offer financial products. We are not involved in lending, nor do we assess the suitability of products beyond the introduction process.

2. Information We Collect

We collect the following types of personal data:

Contact Information:
- Name, email address, phone number
- Purpose: To communicate with you, provide updates on your application, and respond to inquiries.
Financial Information:
- Income, credit history, mortgage preferences, repayment history, financial commitments, and existing debts
- Purpose: To assess your eligibility for loans or mortgages.
Sensitive Personal Data:
- (If applicable) Financial hardship or other sensitive financial data
- Purpose: We will obtain explicit consent to process this data, ensuring appropriate protection is in place.
Technical Data:
- IP address, browser type, device details, website usage data
- Purpose: To enhance user experience and ensure security. Where you have consented to analytics cookies, certain technical information may also be collected through Google Analytics 4.
Referral Information:
- Data from third parties like dealerships, retailers, or business introducers
- Purpose: To track the source of your inquiry and provide relevant services.
Communications Data:
- Data from interactions such as phone calls, emails, business introducers or media forms
- Purpose: For customer service and support.
Other Personal Information:
- Business plans, tax details, medical records (if applicable), employment details, credit card balances, financial statements, and property or asset details
- Purpose: To assess your financial situation and process your application.
Other Relevant Information:
- Any additional information necessary to provide our services effectively.
Publicly Available Data:
- Information from publicly accessible sources such as the internet, news outlets, or public databases.
- Purpose: Used for compliance purposes, including Anti-Money Laundering (AML) checks, fraud prevention, and ensuring we meet regulatory requirements when introducing clients to financial products.

3. Legal Basis for Processing Personal Data

We process your data based on the following grounds:

Consent:
By contacting us, filling out forms, emailing, calling, or being referred by third parties, you provide consent for us to process your data.
Contractual Necessity:
To fulfil our service obligations, including introducing you to financial product providers.
Legal Obligation:
For compliance with laws (e.g., financial regulations, anti-money-laundering requirements).
Legitimate Interests:
For fraud prevention, marketing (with your consent), and improving services.

4. How We Use Your Data

Your personal data may be used for the following purposes:

To introduce you to relevant mortgage or finance providers and their products
To assess your income, expenditure, and financial status
To communicate with you
To meet legal and regulatory obligations, including AML requirements
To improve our website functionality and user experience
Where analytics cookies are accepted, to analyse anonymised website performance using tools such as Google Analytics 4
To share data with third parties (e.g., lawyers, surveyors, life cover business) for service-related purposes
To facilitate any changes on your behalf with product providers (e.g., a change of address, contact details, or other personal information)

5. Credit Checks and Information Sharing

Versus Finance along with the third-party banking institutions and finance companies we work with, may conduct credit searches under your name. These searches will be shared with relevant Credit Reference Agencies (CRAs), such as:

These credit searches will be recorded on your credit report. These searches are carried out to evaluate your creditworthiness and ensure that the financial products we help you secure are the most suitable for your needs.

By using our services, you explicitly consent to these credit searches being carried out in your name and acknowledge that these credit searches may be recorded and can affect your credit score.

6. Third-Party Data and Consent

If you provide personal data about another person (e.g., spouse, partner, business associate), you confirm you have obtained their explicit consent. Providing third-party data without consent is illegal. By submitting such data, you accept full responsibility for any issues arising.

7. Data Retention

We retain your data for as long as required to fulfil the purposes outlined in this Privacy Policy, or as required by law (typically 10 years). Third-party lenders will have their own retention periods and we recommend reviewing their own privacy policies for specific details regarding their own retention periods.

8. Your Data Protection Rights

You have the following rights under GDPR:

Right to Access: Request a copy of your personal data
Right to Rectification: Correct inaccurate or incomplete data
Right to Erasure: Request deletion of your data when no longer needed
Right to Restrict Processing: Limit how we process your data in certain situations
Right to Data Portability: Transfer your data to another provider
Right to Object: Object to processing for direct marketing or other purposes

To exercise any of these rights, contact us using the details in Section 11. We will aim to respond to your request within 30 days, as required by applicable data protection laws.

9. Sensitive Data

Where sensitive data is collected, explicit consent will always be requested. Sensitive data is only used where necessary to provide our services.

10. Data Transfers Outside the EEA

Where personal data is transferred outside the EU/EEA, appropriate safeguards such as standard contractual clauses will be applied.

11. Data Protection Officer (DPO)

Versus Finance Limited
De Carteret House, 7 Castle St, St Helier,
Jersey JE2 3BT
Phone: +44 1534 769669 or +44 1534 668277

12. Children’s Privacy

We do not knowingly collect or store personal data from individuals under 18.

13. Security of Your Data

We implement technical and organisational measures to protect your personal data, including encryption and secure storage. Our service provider is ISO 27001 certified.

14. Cookies

Cookies are used to support website operation and improve the user experience. Full details are provided in the Cookie Policy below.

15. Updates to This Privacy Policy

We may update this document occasionally. Continued use of our services indicates acceptance of any updates.

Last Updated: March 24, 2025

Cookie Policy

This Cookie Policy explains how we use cookies and similar technologies on our website. It should be read together with our Privacy Policy.

We use CookieYes to manage cookie consent. Only essential cookies run by default; all others require your permission. You can change your preferences at any time via “Cookie Settings” in the footer.

1. What Are Cookies?

Cookies are small text files stored on your device. They help with:

Website functionality
Remembering preferences
Providing embedded features
Analytics (only with consent)
Advertising measurement (only with consent)

Cookies may be first-party (ours) or third-party (e.g., Google, YouTube).

2. How We Use Cookies

We use cookies to:

Ensure the website functions correctly
Protect against spam and malicious activity
Remember your cookie preferences
Support embedded media (e.g., YouTube)
Improve site performance using anonymised analytics (GA4)
Measure advertising effectiveness (Google Ads / YouTube)

Non-essential cookies run only if you consent.

3. Categories of Cookies

Essential Cookies: Required for basic website operation and security.
Functional Cookies: Support enhanced features such as embedded videos.
Analytics Cookies: Used to understand how visitors use the site through anonymised data. GA4 only runs if you consent.
Advertising Cookies: Used to measure the effectiveness of ads through Google Ads / YouTube. Active only with consent.
Uncategorised Cookies: New cookies that appear due to third-party updates; reviewed periodically.

4. Third-Party Cookies

These services may set cookies:

Google Analytics
Google Ads / DoubleClick
YouTube
Google reCAPTCHA

Their policies apply: https://policies.google.com/privacy

5. Managing Cookies

You can manage cookies in two ways:

Using CookieYes settings: Accept, reject, or customise categories and update preferences anytime.
Using browser settings: Block or delete cookies (may impact site performance).

More information: https://www.allaboutcookies.org

7. Updates to This Cookie Policy

This policy may be updated periodically.