Terms of Service

What we do

Verif-AI reads public filings at Companies House, the PSC register, and screens directors and PSCs against the FCDO UK consolidated sanctions list and the UK Parliament PEP register. We summarise those filings in plain English and make a structured credit opinion available through Deep Dive reports and, for qualified callers, a programmatic API.

We are not a credit reference agency in the sense of the Consumer Credit Act. We do not pull personal credit files. We do not record footprints on the subject company, and the subject company's consent is not required because every source we use is already public.

Who can use it

Verif-AI is intended for business users — credit controllers, procurement leads, finance teams, professional advisers. You must be at least 18 years old and acting on behalf of a UK or EU business, or a business outside the UK/EU that is reviewing a UK counterparty.

Consumer use of reports to take adverse decisions against individuals is not permitted. If you need a consumer credit decision, use an FCA-regulated agency.

What a report is (and isn't)

A Verif-AI report is a structured opinion based on public filings at the time the report was generated. It is not financial advice, legal advice, or a guarantee of solvency. Credit and contracting decisions remain yours.

We make a reasonable effort to keep the data fresh — Companies House filings are pulled on demand through the official public API, and sanctions data is refreshed daily from the FCDO consolidated list — but we do not warrant that any figure is accurate, complete, or current at the moment you read it. If a report looks wrong, tell us and we will regenerate it.

Your account

You are responsible for keeping your sign-in credentials safe and for any activity under your account. Tell us immediately if you believe an account has been compromised. We may suspend an account to investigate suspected misuse.

One account, one person. Do not share a single log-in across a team — we have team plans for that.

Prices & payment

Prices are shown in pounds sterling and include UK VAT where applicable. A Deep Dive report costs £4.50. Credits are sold in packs from £9 (100 credits) up to £99 (1,250 credits); credits never expire. We may change prices, but not retroactively — credits already purchased are honoured at the price you paid.

If a report fails to generate (for example, a Companies House outage), we refund the credit automatically. If you feel a report was materially wrong, reply to the report email within thirty days and we will refund or regenerate without quibble.

Acceptable use

You may read, download, store, and forward reports internally, and cite them in materials you share with clients, suppliers, or auditors. You may not scrape, bulk-harvest, or resell the reports as a substitute service.

• No automated scraping. Use the API (when available) for programmatic access.
• No reverse-engineering of the scoring or verdicts.
• No onward sale of reports as a standalone service.
• No use of reports to make adverse decisions about individual consumers.

Liability

Verif-AI is an intelligence tool. You decide what to do with a report; we do not. Our total liability to you in any twelve-month period is limited to the amount you have paid us in that period. We do not exclude liability for fraud, death, or personal injury — that would be unlawful.

We are not liable for indirect or consequential losses (lost profit, lost opportunity, lost contracts) even if we were told they were possible.

Ending the agreement

You can close your account any time from the settings page. Unused credits over £20 are refundable within ninety days of purchase; smaller balances are not, because our payment processor fees exceed the refund value.

We can close an account if it's misused. We'll tell you why, and refund any unused credits.