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 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.
Please note that rijo42 broker both regulated and unregulated credit agreements. The 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.


You should assess the monthly payments you are required to make throughout the agreement and ensure you are able to meet these obligations and other obligations you already have without suffering undue hardship. Your credit rating could be adversely affected if you do not make payments when due which could make it harder or more expensive for you to access finance facilities in the future.

Understanding our products and documents

You should make sure you have sufficient time to assess the information given to ensure the funding option offered is suitable for you and meets your requirements. You should seek further explanations and ask questions if needed to fully understand the documents you are given. If you have any health issues, difficulty in understanding information or there are any recent life events that could affect your ability to fully understand the information and documentation. Please advise us accordingly if this is the case and we can then proceed with your requirements in the most appropriate way.

What will you have to pay to us for this service?

You will not make any payment to us for processing a finance application. All charges that 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

If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. If you wish to register a complaint, you can contact us at Complaints, rijo42, Multiply, Apache House Lomax Way, Logistics North, Bolton BL5 1FQ.

If you can’t resolve a complaint with us, we are an Appointed Representative of Product Partnerships Limited (FRN: 626349) and you can refer your complaint to them as our Principal firm. In writing: Product Partnerships Limited, Suite D2 Joseph’s Well, Hanover Walk, Leeds LS3 1AB, by phone: 01274 921234, by email: [email protected].

If your complaint is not resolved to your satisfaction, you may be able to refer it to the Financial Ombudsman Service, whose contact details can be found at or by phone 0800 0234567

Confidentiality and data protection

Throughout the process of administering services for you we will need to collect personal information from you and pass this information to one or more third party organisations in order for them to supply any services you request.

This may include sharing your information with credit reference agencies and other companies for use in credit decisions and fraud prevention.

In cases where your initial application may be 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 in order to assess your application for finance.

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 0333 344 8042.