Acceptance

By accessing and using this website (the “Site”), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should not use the Site or its services.

General

The information provided on this Site is intended solely for individuals and businesses located in Jersey, Channel Islands. The Site serves informational purposes only and does not constitute a contractual offer. For advice regarding borrowing, mortgage products, or other financial matters, please seek independent professional advice.

Our business identity

Versus Finance Limited is a private company registered in Jersey, with its registered office at:

Kingsman Executive Office Suites, 7 Castle Street ,St Helier ,Jersey,JE2 3BT 

We are registered with the Jersey Financial Services Commission under number 123690

Brokering Services for Finance and Mortgages

Versus Finance Limited acts as a broker and business introducer, connecting clients with suitable loan, finance, and mortgage products from a range of finance companies, commercial lenders, and selected mortgage providers. We facilitate access to options based on your disclosed requirements and provide detailed information about any recommended agreements. We do not provide funds directly. Our role is limited to brokering and introduction; we may receive commissions or fees from lenders for our services. Engaging our services does not guarantee the acceptance of any finance or mortgage application.

Fees Disclosure

Versus Finance Limited provides clear information about our fees. We charge fees for some of our services as a brokerage service, which is separate from any introduction or fees received from finance companies and banking institutions. 

By using our services, you agree to our fee structure and payment terms. Our fees include:

• Personal Loans, Hire Purchase (HP), and Asset Finance: Free.
• Business Lending: 2.5% of the total loan amount, with a minimum fee of £350.
• Mortgage Brokerage:  £995 payable when we submit a complete application 
•                                       £1,000 payable upon receiving a successful mortgage offer.

Additional Work Fees: In instances where the scope of work involves significantly more time or complexity than initially anticipated, a higher fee may be applied .This will be discussed and agreed upon prior to commencement of the additional work.

Payment Terms

• Payment of fees is due only upon receipt of an offer of acceptance of risk
• Accepted payment methods: Bacs, cheque, or credit/debit card (cash is not accepted )
• All fees are documented in a formal agreement prior to engagement.
• Any fee waivers or adjustments are communicated in advance.

Disclaimers

The information provided on this Site is for informational purposes only and should not be relied upon as professional advice. We recommend seeking independent legal and financial advice before making any decisions based on information obtained from this Site.

Accuracy

While Versus Finance Limited strives to maintain the accuracy, currency, and completeness of information on this Site, we cannot guarantee its accuracy at all times. Information may be updated or amended without prior notice. By continuing to use this Site, you agree to be bound by any revisions to these terms and conditions. It is advisable to verify all information on this Site before making decisions based on it.

Regulatory

Versus Finance Limited is licensed by the Jersey Financial Services Commission under number 123690. However, we are not regulated by the JFSC. The content on this Site does not constitute professional advice, and users should seek independent legal or financial advice as needed. We do not guarantee the accuracy or completeness of the information provided and reserve the right to update or withdraw content without notice.

Email

We do not guarantee the reception of emails sent to the addresses provided on the Site, nor can we ensure the confidentiality of their contents during internet transmission.

Business Uses of Our Services

By utilizing our services on behalf of a business, whether as a director, owner, or representative, you acknowledge and accept these terms and conditions.

Copyright

The trademark “Versus Finance Limited” (stylized logo) is a registered trademark in the United Kingdom (no. 284716969) with the UK Copyright Service. Unauthorized use of the Versus Finance Limited trademark or any similar trademark, logo, or stylization likely to cause confusion is strictly prohibited.

Privacy Notice

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

Governing Law

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

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 any information provided on the Site. This includes, but is not limited to, loss of profit, revenue, data, contracts, or business interruption.

Viruses, Hacking, and Other Offences

You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs, or other material which is malicious or technologically harmful. You must not attempt to gain unauthorized access to our Site, the server on which our Site is stored, or any server, computer, or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of-service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990, the Computer Misuse (Jersey) Law 1995, or the Computer Misuse (Bailiwick of Guernsey) Law 1991. We will report any such breach to the relevant law enforcement authorities and cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.

Versus Finance Limited will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of our Site or your downloading of any material posted on it, or on any website linked to it.

Linking to Our Site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part where none exists. You must not establish a link from any website that is not owned by you.

Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the acceptable use standards set out in these Terms and Conditions.

If you wish to make any use of material on our Site other than that set out above, please contact us at support@versusfinance.com.

Links from Our Site

Where our Site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. Any reference to a third-party link or website cannot be taken to imply any endorsement or validation by us of the content of the said website. Versus Finance Limited is not responsible for the privacy practices nor does it accept any liability in connection with the content of such websites.

Social Media

Our social media pages/channels (e.g., Facebook, Twitter, LinkedIn) are platforms for you to learn more about Versus Finance Limited and its services. We are not responsible for third-party content posted or appearing on these social media pages, including but not limited to content and links posted by users.

Versus Finance Limited does not control or endorse, nor is it responsible for, third-party content and makes no representations regarding the accuracy of content, information, opinions, claims, or advice shared by users.

We reserve the right to remove postings that are:

A ) Abusive, defamatory or obscene 

B ) Fraudulent, deceptive or misleading 

C ) In violation of copyright or intellectual property laws 

D ) Containing advertising or SPAM and 

E ) Any other content that we may deem inappropriate .

Versus Finance Limited reserves the right to ban and block individuals who do not follow these basic rules of engagement. When visiting our social media pages/channels, you should also be aware of and familiarize yourself with the site owner’s terms of service as posted on the respective platforms.

Availability and Responding to Messages

We will update and monitor our social media accounts during core operating office hours (Monday to Friday). Our social media pages may occasionally be unavailable, and we accept no responsibility for lack of service due to downtime.
While we welcome feedback and ideas and try to respond where possible, we may not be able to reply individually to all messages received through our social media accounts. Feedback, questions, key topics, and trends are passed to the relevant teams in Versus Finance Limited, in line with our data protection policy. You can also contact us directly via email, phone, or post.

Disclaimer of Warranties

The materials on our Site are provided on an ‘as is’ basis. Versus Finance Limited makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Versus Finance Limited does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Site or otherwise relating to such materials or on any sites linked to this Site.

Updates to These Terms

We reserve the right to modify these terms or any additional terms applicable to our services or products to reflect changes in the law or our services. Please review these terms regularly .

These terms and conditions were last updated on: 01/09/2024