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 is a finance and mortgage broker. We do not lend our own funds, provide financial or tax advice, nor act as financial advisors or product providers. Our role is limited to introducing clients to regulated third-party finance companies and banking institutions that offer financial products.

Please note, we do not offer financial advice or tax-related advice. Clients seeking such advice are encouraged to contact appropriately qualified professionals.

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 product recommendation.

We charge fees for certain brokerage services. These fees are for services provided by us and are separate from any fees or charges imposed by third-party finance companies or banking institutions. Our fee structure is as follows:

• Hire Purchase                                              : No fees
• Personal/Business Lending                     : 3% of the total loan amount, with a minimum fee of £350
• Mortgage Brokerage                                 : £1,995, 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

Brokerage fees are payable once the loan agreement is signed. Due to the nature of the services provided, all fees are non-refundable once paid. Late payments will incur a 3% monthly interest charge after a 30-day grace period. Accepted payment methods include:

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

Note: No cash payments accepted. 

6. Brokerage Fee Agreement

In compliance with consumer protection regulations, we cannot proceed with any work unless the client has signed and accepted our Brokerage Fee Agreement where a fee is charged. Verbal confirmation is not accepted. This agreement outlines the terms of our services and the applicable 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, including working exclusively with regulated companies. 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 are not licensed by the JFSC to provide all financial services. Our services are limited to brokering and facilitating introductions to finance companies and banking institutions. We are not regulated to provide financial or tax advice.

11. Email and Communication

We strive to maintain reliable email communication, but we cannot guarantee message delivery or security during internet transmission. Sensitive information should be shared via secure channels.

12. Dispute Resolution

In the event of a dispute, both parties agree to attempt resolution through good faith negotiations. If unresolved within 30 days, disputes may be referred to mediation or arbitration in Jersey before pursuing litigation.

13. Copyright

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

Versus Finance Limited shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site or the information provided on the Site.

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.

Last updated 01/08/2024