Who we are
We are Romaco Limited (company registration number 07232590) and our registered office is at 15 Carnarvon Street, Manchester M3 1HJ. This privacy notice applies to us, and to all
the com- panies in our group, being Romaco SPV 1 Ltd (company registration number 09732416), Romaco SPV 2 Ltd (company registration number 10179215), Romaco SPV 3 Ltd
(company registration number 10518586), Romaco SPV 4 Ltd (company registration number 11111729), and Romaco SPV 5 Ltd (company registration number 11112580) and Romaco SPV
6 Ltd (company registration number 11698938), all of which also trade as Roma Finance.
you may ask us for a copy).
The data we collect about you
We may collect, use, store and transfer different kinds of personal data about you which allows us to identify you as an individual. More details on the type of data we may collect about
We collect your personal data directly from you and from third parties connected to you, such as brokers and introducers. We may also collect data about you from publicly available
sources, such as Companies House and from other third party sources such as credit reference, and fraud prevention, agencies. These agencies share personal data about you that is
derived from, or used, in credit activity and who provide credit reporting, and/or fraud prevention, services. We use this information help us make the best possible assessment of your
overall financial situation and history, to check your identity and to prevent criminal activity.
The three main credit reference agencies in the United Kingdom, TransUnion (formerly called Callcredit), Equifax and Experian have created an industry-wide notice called the "Credit
Reference Agency Information Notice" (CRAIN) which sets out clearly how they use and share personal data they receive about you and/or your business that is part of or derived from
or used in credit activity. You can find a copy of this notice at hyperlink https://www.callcredit.co.uk/legal-information/bureau-privacy-notice
How we use your personal data
We will only use your personal data when the law allows us to. Most commonly, we will use your personal data where we need to perform the contract we are about to enter into, or have
entered into, with you.
We will also use your personal data where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests
(so, for example for our administration and record keeping purposes), and/or where we need to comply with a legal or regulatory obligation.
We may use your personal data to provide you with marketing communications from us if you have requested information or purchased products or services from us and, in each
case, you have not opted out of receiving that marketing. You can ask us to stop sending you marketing messages at any time by contacting us at any time.
Disclosures of your personal data
To enable us to undertake our activities, we may have to share your personal data with third parties such as associated companies and/or third party service companies who provide
some administration services for us (e.g. HR and IT) and our professional advisers.
We may also disclose your personal data to credit reference agencies to assist them in the collection and maintenance of personal data about you relating to your payment of debts
and general credit worthiness, and with fraud prevention agencies to help prevent fraud and money laundering. They in turn may share this information with other organisations, such as
other finance companies that you approach to provide you with products and services. Please see the information above regarding the CRAIN and how the credit reference agencies
use your data.
We require all third parties to whom we supply your data to respect the security of your personal data and to treat it in accordance with the law.
Your legal rights
You have rights under data protection laws in relation to your personal data, including the right to: (a) request access to your personal data; (b) request correction of your personal data;
(c) request erasure of your personal data; (d) object to processing of your personal data; (e) request restriction of processing your personal data; (f) request transfer of your personal
data; and (g) withdraw your consent.
You also have the right to make a complaint at any time to the Information Commissioner’s Office, the UK supervisory authority for data protection issues (www.ico.org.uk).
Applicant’s / Director’s declaration
I (or we if there is more than one applicant or director) agree and confirm that:
under Data Protection laws.
2) Roma Finance may, in its sole discretion, decline my application for any reason whatsoever and is under no obligation to explain its rationale for declining my application. Additionally,
Roma Finance may (again, for any reason) withdraw any offer of finance previously made to me without giving me any reason.
3) If I have been introduced to Roma Finance by an introducer:
a. such introducer is not an agent of Roma Finance and has no authority to bind Roma Finance in any way. Roma Finance is not responsible, and shall not be liable, for anything that
the introducer may have said to me (whether orally, in writing or otherwise);
b. if this application is successful, Roma finance may pay commission to the introducer, in addition to any introducer fee detailed on this application form.
4) Any valuation prepared in relation to this application is for Roma Finance’s purposes only. Neither Roma Finance, nor the relevant valuer, has any responsibility to me for the accuracy
of the valuation.
5) Roma Finance and any associated companies can make such enquiries with credit reference, and fraud prevention, agencies in connection with this application as it considers
necessary and I hereby authorise such agencies to provide this information to Roma Finance. I understand that multiple credit searches may affect my ability to obtain credit
elsewhere. I also acknowledge that details of my conduct with Roma Finance (including any payment arrears and/or property repossession) may be disclosed to these agencies and
that this information may be used by other lenders in assessing financial applications from me, and members of my household, and for debt tracing and fraud prevention purposes.
6) Roma Finance, and any of its group, and associated companies, will use the information I have provided on this application for marketing purposes. I agree to this communication being:
by email by telephone
7) If this is a joint application, by making a joint application, I am creating a financial association with the other applicant/director(s). I am also confirming that I am entitled to:
a. disclose information about the other applicant(s) / director(s) and/or anyone else referred to by me in this application;
b. authorise Roma Finance to search, link and/or record information at credit reference agencies about me and/or anyone else referred by me in this application.
8) If this is a sole application, information held about me by the credit reference agencies may already be linked to another individual who has an existing financial association with me.
For the purposes of this application, I may be treated as financially linked and this application will be assessed with reference to any such “associated” records.
9) The loan I am applying for will be secured against my property(ies) and that my property(ies) may be repossessed if I do not keep up repayments on any mortgage or any other debt
secured on it/them.
By signing below, I declare that the information given in this application form is true, accurate and not misleading. I understand that if false or inaccurate information is provided and/or
fraud is identified, my details may be passed to fraud prevention agencies to prevent fraud and money laundering. I undertake to inform Roma Finance without delay if any of the
information in this application form changes prior to Roma Finance advancing me any money.
Romaco Ltd (Reg No 07232590), Romaco SPV 1 Ltd (Reg No 09732416), Romaco SPV 2 Ltd (Reg No 10179215), Romaco SPV 3 Ltd (Reg No 10518586), Romaco SPV 4 Ltd (Reg No
11111729) and Romaco SPV 5 Ltd (Reg No 11112580) Romaco SPV 6 Ltd (Reg No 11698938)
and Romaco SPV 7 Ltd (Reg No 12006443) are all companies which trade as Roma Finance and are
registered in England, Scotland and Wales. Registered o ice address 15 Carnarvon Street, Manchester M3 1HJ
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