Initial Disclosure Document
This Information Relates to the Activities Undertaken by Rijo 42 Machines Limited
Who Regulates Us?
Rijo 42 Machines Limited, trading as Rijo42, is an appointed representative, in respect of consumer hire activities only, of Product Partnerships Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 626349).
You can check this information on the FCA register by visiting www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.
What Products Do We Offer?
- We are a credit broker, not a lender.
- We can introduce you to a limited number of lenders who may be able to assist you with your requirements.
- We will only introduce you to these lenders.
- Rijo 42 brokers both regulated and unregulated credit agreements. Unregulated agreements are not regulated by the Financial Conduct Authority.
Other Finance Facilities
You should ensure that the type of agreement being offered is suitable for your needs. You are encouraged to review other products and providers by researching on the high street, in the media, and online.
Affordability
- Assess the monthly payments required throughout the agreement.
- Ensure you can meet these obligations and other financial commitments without suffering undue hardship.
- Your credit rating could be affected if payments are not made on time, potentially making it harder or more expensive to access future finance facilities.
Understanding Our Products and Documents
- Ensure you have sufficient time to assess the information given to you to determine if the funding option is suitable.
- Ask questions and seek further explanations if needed to fully understand the documents provided.
- If you have any health issues or difficulties understanding information, or if any life events might affect your ability to understand the documents, please advise us accordingly so we can proceed in the most appropriate way.
What Will You Have to Pay Us for This Service?
You will not make any payment to us for processing a finance application. All charges you will pay will be clearly shown on the finance agreement, and we do not receive any commission for our activities as a hire provider.
What to Do If You Have a Complaint
The contact details for Rijo 42 Machines Limited are:
- Address: Apache House, Lomax Way, Logistics North, Multiply, Bolton, BL5 1FQ
- Telephone: 03333 448042
If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. If your complaint is not resolved to your satisfaction, you may refer it to the Financial Ombudsman Service. Their contact details are:
As an appointed representative, you also have the right to complain to our Principal firm, Product Partnerships Limited. Their contact details are:
- Address: Product Partnerships Limited, Second Floor, Atlas House, 31 King Street, Leeds, LS1 2HL
- Telephone: 01274 921234
- Email: [email protected]
Confidentiality and Data Protection
Throughout the process of administering services for you, we will need to collect personal information and pass this to one or more third-party organisations to supply the services you request.
- This may include sharing your information with credit reference agencies and other companies for use in credit decisions and fraud prevention.
- If your initial application is refused by the most suitable lender, your application may be referred to other lenders or credit brokers, who may also share information with credit reference agencies to assess your application.
To see our privacy policy, which details how your information will be processed and your rights, please click here or see our website for details, or contact us on 03333 448042.
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