Direct FCA authorisation
Valifi Limited, FCA Ref 1047114 for Credit Information Services.
Trust & Compliance
Trust is built into the technology.
Compliance is a commercial differentiator, not a bolt-on.
Trusted data infrastructure
Equifax, TransUnion, vehicle data partners, Valifi's own matching/orchestration tech.
Data protection by design
Purpose-led processing, controlled access, minimisation, secure infrastructure, clear accountability.
Soft-search messaging
Compliance-approved wording per use case; searches don't affect the consumer's ability to obtain credit.
Identity & fraud controls
Device intelligence, mobile identity, OTP, AML/watchlist screening, address verification.
Partner due diligence
Onboarding reviews regulatory status, customer journey, consent, data usage, retention, security.
Reliability
Zero Valifi platform downtime over the last two years (distinct from third-party/upstream availability), plus reporting on matching, identity, bureau and journey performance.