# Valid8 IP

> Valid8 IP provides secure, low-cost client data services for UK businesses, simplifying client onboarding and identity verification. Systems are ISO/IEC 27001:2022 certified, PCI DSS 4.0.1 compliant, and Cyber Essentials assured.

## Services

- **Credit Reference Data**: Multi-bureau credit reports (Equifax, Experian, LexisNexis) with creditor account numbers, payment history, defaults, address history, voters roll, aliases, associations, previous insolvency and CCJs — data available as far back as 2003 (permitted purposes only).
- **AML / KYC**: Anti-Money Laundering checks including PEPs and Sanctions screening, plus KYC and ID verification.
- **Affordability**: Proof of income and expenditure via client bank statements through Open Banking.
- **Vehicle Lookup**: Valuation/DVLA data, emissions information, and historic vehicle finance agreements.

## How it works

Services are delivered through simple client-consent journeys via the online portal, or integrated via API into a CRM or client onboarding journey.

## Key facts

- Use cases: client onboarding, mortgage and loan pre-qualification, compliance, ongoing customer management.
- Sectors served: financial services, insolvency practitioners, lenders, brokers.
- Region: United Kingdom.

## Pages

- [Home](https://www.valid8.co.uk/): Overview of services and onboarding.
- [Privacy Policy](https://www.valid8.co.uk/privacy): How client data is handled.
- [Complaints Procedure](https://www.valid8.co.uk/complaints-procedure): How to raise a complaint.

## Contact

Use the "Get in touch" form on the website to discuss business requirements.