Privacy Policy

Valifi.co.uk respects your privacy and protecting your information is paramount. Please read this Privacy Policy carefully before using our website or apps or registering to use our services. This Privacy Policy sets out our views and practices regarding your personal data and how we collect, process and treat it. There may also be service specific privacy policies if you use particular services – we will highlight these to you.

By visiting www.Valifi.co.uk and using our apps and services you are acknowledging you have read and understand the practices described in this Privacy Policy. Valifi Limited is the data controller of your personal data.

We are registered with the UK Information Commissioner's Office (ZB765977) and you can check our registration by visiting ICO. References in this Privacy Policy and on our website to "we", "our" or "us" are references to Valifi Limited. References to "you" and "your" means each natural or legal person who uses our website or the associated services.

References to our website below include references to our apps.

Privacy Policy

The information we collect
How we use the information
Mobile Data Verification
Who we may share your data with
What is the legal basis for us using this information?
Direct marketing and preferences
How we protect your information
How long we keep your information for
Links to and from third party websites
Your rights
Changes we make to our Privacy Policy
Contact us
Your right to lodge a complaint with the ICO

The information we collect

We collect and process information which:

you give to us when you register with us, such as your name and contact details
we obtain from Credit Reference Agencies on your behalf, including credit report information from Equifax Limited, TransUnion Information Group Limited and Experian Limited
we collect about you based on your use of our website or from your mobile device if you are using our app
we receive from other sources, including cookies and technical data providers

We collect this information solely to provide our credit information services, including access to your credit data and insights.

How we use the information

We use information we hold about you to:

provide our credit information services to you
administer your account and communicate with you
verify your identity and prevent fraud
improve and maintain our services and platform functionality
comply with legal and regulatory obligations

We do not use your data to recommend, broker, or arrange financial products.

We do not use your personal data for profiling for the purpose of offering third-party financial products.

Information you give to us or we collect from Credit Reference Agencies. We will use this information to:

provide you with access to your credit report, score and related insights
verify your identity
administer your account and provide customer support
notify you about changes to our services
ensure content is presented effectively

We may use aggregated, anonymised data for internal analytics and service improvement only.

Information we collect about your use of our website. We will use this information:

to operate and improve our website and services
for security, fraud prevention and system integrity
to understand how users interact with our platform

We do not use this data to target or deliver financial product advertising.

Mobile Data Verification

At Valifi.co.uk, We prioritise the privacy and security of our users. To enhance the accuracy of mobile data verification and improve user experience, we integrate with 3rd party mobile data verification service. This integration allows us to validate the mobile phone numbers provided by users during registration, account updates, or verification processes.

What Data is Collected?

When you provide a mobile number, Valifi mobile data verification service checks the number to verify its validity and ensure it corresponds to a registered mobile device on the specified network. We will check;

The validity of the phone number.
The network operator associated with the mobile number.
The current status of the mobile number (active or inactive).

We work with a wide range of mobile network providers, ensuring robust and comprehensive verification. Verification integrations include:

EE
O2
Vodafone
Three

What Data is Collected?

The mobile data verification service provided by 3rd parties is strictly used for verifying your identity & fraud prevention purposes during the account setup, recovery, or verification processes. We do not store or share your mobile number with third parties outside of this verification process unless required by law or for other purposes outlined in our privacy policy.

Data Security:

We ensure that all mobile data verification interactions comply with the highest standards of security and privacy protection.

We may share your data with:

Credit Reference Agencies, to obtain your credit report and provide our services
Fraud prevention agencies, to verify identity and prevent financial crime
Service providers (e.g. hosting, analytics, customer support tools) acting as processors on our behalf
Group companies where necessary

We do not sell, rent, or share your personal data with third parties for marketing or product promotion purposes.

If you'd like to understand how the credit reference agencies use and share personal data (including the legitimate interests they pursue) please read the Equifax Credit Reference Agency Information Notice (CRAIN) and TransUnion Credit Reference Agency Information Notice (CRAIN).

Subprocessors. We may share your information with the following subprocessors:

Entity	Type
Amazon Web Services, Inc.	Cloud Service Provider
Trustpilot A/S	Feedback Platform Provider

Group company. We may share your personal information with any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries.

Credit Reference Agencies. If you register to use our services via a third party provider like a Claims Management Company we will obtain on your behalf, in accordance with our Terms, copies of your credit report and credit score from designated Credit Reference Agencies for the sole purpose of locating historic motor finance agreements that you have had. In order to provide these services to you, we will share your information with such Credit Reference Agencies.

The information which we provide to the CRA may be supplied by them to other organisations such as Fraud Prevention Agencies and used by those organisations for the purposes of checking identity, preventing fraud, tracing and collection of debt. The CRA may also use the data to undertake statistical analysis.

More information about each CRA and what it does with personal data is available here.

Fraud Prevention Agencies. We will share your personal information with fraud prevention agencies. If false or inaccurate information is provided and fraud is identified, details of this fraud will be passed to these agencies. Law enforcement agencies may access and use this information. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

What is the legal basis for us using this information?

We make sure we have appropriate legal bases on which to collect, use and share data about you. If you have any questions about the lawful bases upon which we collect and use your personal data, you can contact our Data Protection Officer.

We rely on the following lawful bases:

Performance of a contract – to provide you with credit information services
Legal obligations – including fraud prevention and regulatory requirements
Legitimate interests – to operate, improve and secure our platform

We do not rely on legitimate interests to market third-party financial products, as we do not provide such services.

Where we rely on legitimate interests, you have the right to object at any time.

Direct marketing and preferences

We may send you service-related communications (e.g. account updates, alerts, or important notifications).

Where you have given consent, we may send you Valifi-related content, such as:

service updates
product feature announcements
educational content about credit information

We do not send marketing communications relating to third-party financial products, and we do not broker or promote such products.

You can opt out of communications at any time. Whenever you receive direct marketing from us you will be given an option to unsubscribe, or you can update your preferences in your account.

You can also tell us that you do not wish to receive any more marketing communications at any time by writing, with your full name, address and other contact details (to enable us to find your records), to:

Data Protection Officer

Valifi.co.uk
Alexandra Court, Carrs Road, Cheadle, SK8 2JY

How we protect your information

We take the security of your data very seriously and use strict procedures to protect it. Whenever we transfer personal data outside of the UK/ European Economic Area, we ensure that appropriate safeguards are in place to protect the data.

All information you provide to us is stored on our secure servers.

We do our best to protect your personal data, but we cannot guarantee the security of your data transmitted to our website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access, loss or damage.

Where possible, we try to only process your information within the UK and European Economic Area (EEA). If we or our service providers transfer personal data outside of the UK or EEA, we always require that at least one of the following safeguards are in place to protect the information when it is processed:

the destination country is deemed by the ICO or the European Commission to have an appropriate level of protection for personal data;
an International Data Transfer Agreement or Addendum as specified by the ICO, or the standard contractual clauses specified by the European Commission;
other valid transfer method in accordance with applicable laws.

How long we keep your information for

We retain your personal data only as long as necessary to provide our services and comply with legal obligations.

We may retain anonymised, aggregated data for internal analysis and service improvement.

Links to and from third party websites

If you follow a link to or from our website to a third party website, please be aware that these websites have their own privacy policies.

Our website may, from time to time, contain links to third party websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies.

Your rights

You can exercise specific rights with regards to the data that we hold about you.

We will provide you with the necessary tools and contact details to be able to exercise your statutory rights regarding the information that we hold about you. You will be able to:

Correct your data: you will usually be able to amend any information that we hold about you that is inaccurate or incomplete through the settings in your account.
Request access to your data: you can ask for access to the personal data that we hold about you so that you can check that we are using your information in accordance with data protection law
Erase your data: you can ask us to fully or partially delete your personal data where there is no compelling reason for us to keep using it, although we may not be able to continue to provide our services. We may keep your email address to make sure the restriction is respected in future. We also have the right to continue using your information if such usage is necessary for compliance with our legal obligations.
Download your data or send it to another controller: you can obtain a copy of the data you provided us in a machine-readable format. In addition, where certain conditions apply, you have the right to have such information transferred directly to a third party.
Object to the use of your data: you can ask that we no longer use your personal data where that use is based on a legitimate interest
Restrict the use of your data: You have the right to 'block' or suppress further use of your information in certain circumstances (for example, where you think the information we are using about you is inaccurate, whilst we verify its accuracy). When usage is restricted, we can still store your information, but may not use it further.
Right to withdraw consent: If you have given your consent for us to use your information, you have the right to withdraw your consent at any time. This can be done by contacting our Data Protection Officer.

For the exercise of any of your rights, you can also contact us at privacy@valifi.co.uk

Changes we make to our Privacy Policy

Any changes we may make to our Privacy Policy in the future will be posted on this page and, where we decide it is appropriate, notified to you by email. Please check back frequently to see any updates or changes to our Privacy Policy.

Contact us

You can address any questions, comments, complaints or requests regarding this Privacy Policy to the Data Protection Officer at privacy@valifi.co.uk

Your right to lodge a complaint with the ICO

If you are not satisfied with our response to any complaints you raise with us or you believe our processing of your information does not comply with the data protection law, we suggest you contact our Data Protection Officer. However, you can make a complaint to the Information Commissioner’s Office (ICO) at any time.

Please see the ICO website for further information

Valifi uses cookies for a variety of purposes, including ensuring that our website functions as expected, remembering your preferences and gathering data on the users of our website and our services.

By using our website (through any device) you agree that this Cookies Policy, together with our Privacy Policy and Terms, applies to that use. References to our website below include references to our apps.

We are committed to protecting you and any information (anonymous or otherwise) that we collect about you online. This section tells you about how and why we use cookies, and how this allows us to improve our service.

If you wish to use our website, but would like us not to set cookies in your browser, you can disable or remove the cookies. Details on how to do this are set out below. Please note that disabling or removing the cookies we or our third party service providers set may impact the functionality and security of our website and our ability to provide our services to you.

We reserve the right to make changes to our Cookies Policy. Any changes we may make to our Cookies Policy in the future will be posted on this page and, where appropriate, notified to you by email. Please check back frequently to see any updates or changes to our Cookies Policy. Your continued use of our website is taken as your agreement to any such changes.

What are cookies?

Cookies are files containing small amounts of information downloaded to your device. We and our third party service providers use both session cookies and persistent cookies. We use cookies for a range of purposes, including to remember any preferences you’ve set and to improve usability of the website for you and other users. Cookies are files containing small amounts of information which are downloaded to the device you use when you visit a website. Your web browser (such as Internet Explorer, Mozilla Firefox, Google Chrome or Safari) then sends these cookies back to our website or application on each subsequent visit.

We and our third party service providers use the information we obtain about you through the use of cookies for the following purposes:

to recognise your device(s) when you visit our website and to remember if you’ve set any preferences on our website. This enables us to personalise our content for you and greet you by name
to temporarily store data as part of, for example, customer surveys
to test new content and evaluate its effectiveness
to remember if you’ve been informed of our Cookies Policy, Privacy Policy and other Terms before
to recognise and count the number of visitors to our website and see how you navigate our website when you are visiting it (including tracking page usage and paths used by visitors through our website)
to improve our website’s usability and keep our services easy to use and up to date
to allow you to share pages with social networks such as LinkedIn, Facebook and Twitter / to support social media components, like Facebook or Twitter (where our website uses a plugin from these third party platforms)
to ensure you don’t miss information that is relevant to you (including presenting relevant website content and service communications)
to analyse use of our website (including for performance and statistical analysis, sales and marketing research). To stop us setting these cookies you will need to set up your browser to reject all cookies (see further below)

We may also combine this web usage data with other information we have collected about you. We store this information so that we have a better and more specific understanding of the way users are using our website, and their preferences and interests, for the purposes set out above.

Cookies may be either "persistent" cookies or "session" cookies, depending on how long they are used.

Persistent cookies remain on your device after you have closed your browser, and allow a website to remember your actions and preferences. They are activated each time you visit the website where the cookie was generated. They are stored by the browser and remain valid until their set expiry date (unless deleted by the user before the expiry date).
Session cookies only last for the duration of your visit and are deleted when you close your browser. They facilitate tasks such as allowing a website to identify that a user of a particular device is navigating from page to page, supporting website security or basic functionality.

Many of the cookies we use are session cookies. For example, they help us to ensure the security of your session, and can also keep you signed in to your Valifi account while you move between pages.

More about the cookies we use

This section describes more about the different types of cookies we use. The cookies are both cookies that we set (first party cookies) and cookies that are managed for us by third parties.

Whether a cookie is a first or third party cookie depends on which website the cookie comes from.

First party cookies are those set by or on behalf of the website visited. All other cookies are third party cookies.
Third party cookies: In some cases, some of these cookies are managed for us by third parties, but we don’t allow the third party to use the cookies for any purpose other than those listed above.
Web analytics services: In order to keep our products and services easy to use and up-to-date, we also use web analytics services to help us understand how people use our website. For example, we can see which parts of our services are most popular, identify when errors occur and test different versions of a page or feature to see which one works best. These web analytics services may be designed and operated by other companies on our behalf. They do this using small invisible images known as "web beacons" or "tracking pixels" that may be included in the digital products and services on our website.

These cookies record your visit to our website, the pages you have visited and the links you have followed. We use this information to operate and improve our website and services. We do not use this data for behavioural advertising, retargeting, or to deliver targeted advertising of third-party financial products.

You can read more about the cookies we and our trusted service providers use below.

By using our website, you agree that we can place both first party and third party cookies and web analytic services on your device.

Specific cookies we use

Below is a full list of the cookies we use together with a description of what they are used for, and whether they are 'first' or 'third' party. Where a cookie is a third party cookie, please visit the providers’ website for more information.

Cookie	Cookie Name	Session/ Persistent	Description
Google Tag Manager	_ga	Persistent (2 years)	This is a third party cookie used for Google Analytics
Google Tag Manager	_gid	Persistent (2 days)	This is a third party cookie used for Google Analytics

Turning cookies off

You can reject cookies within your browser, but please note that certain parts of our website may no longer function as expected.

In all modern browsers you may elect to reject cookies and/or enable do not track features, and we provide instructions on how to do this below. Please note however that by doing so parts of our website may no longer function as expected. For example, if you delete cookies any preferences they record will be lost. This includes for example where you have opted out from cookies, as this requires an opt-out cookie to be set.

If your concerns are based around third party cookies, then we recommend you just reject those cookies, rather than all cookies so that we can still provide you with the functionality you expect.

If you do wish to stop your browser from accepting cookies, see the following pages:

Mozilla Firefox: http://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences
Google Chrome: https://support.google.com/chrome/bin/answer.py?hl=en&answer=95647&p=cpn_cookies
Internet Explorer: http://windows.microsoft.com/en-us/windows-vista/block-or-allow-cookies
Safari: https://support.apple.com/en-gb/guide/safari/sfri11471/mac

Contact us

If you have any questions about our cookies or this Cookies Policy, please contact us on privacy@valifi.co.uk

Privacy Policy

Privacy Policy

Cookies Policy

The information we collect

How we use the information

Mobile Data Verification

What Data is Collected?

What Data is Collected?

Data Security:

Who we may share your data with

What is the legal basis for us using this information?

Direct marketing and preferences

How we protect your information

How long we keep your information for

Links to and from third party websites

Your rights

Changes we make to our Privacy Policy

Contact us

Your right to lodge a complaint with the ICO

Valifi.co.uk Cookies PolicyOverview of our Cookie Policy

What are cookies?

More about the cookies we use

Specific cookies we use

Turning cookies off

Contact us

Further reading

Valifi.co.uk Cookies Policy
Overview of our Cookie Policy