BUSINESS PURPOSES
Articles 60C and 60O of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001
I am/We are entering into this agreement wholly or predominantly for the purposes of a business carried on by me/us or intended to be carried on by me/us.
I/We understand that I/We will not have the benefit of the protection and remedies that would be available to meet me/us under the Financial Services and Markets Act 2000 or under the Consumer Credit Act 1974 if this agreement were a regulated agreement under those Acts.
I/We understand that this declaration does not affect the powers of the court to make an order under section 140B of the Consumer Credit Act 1974 in relation to a credit agreement where it determines that the relationship between the lender and the borrower is unfair to the borrower.
I am/We are aware that if I am/we are in any doubt as to the consequences of the agreement not being regulated by the Financial Services and Markets Act 2000 or the Consumer Credit Act 1974, then I/we should seek independent legal advice.
I/We confirm that Neither I/we nor any related Person (within the meaning of article 61A(6) of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001) are currently residing, will be residing or are otherwise permitted to reside in the Property to be used as security for the Loan at any time now or in the future.
I/we understand that the definition of related person includes anyone who is a spouse, civil partner, parent, brother, sister, child, grandparent or grandchild, or any other person whose relationship with me/us has the characteristics of the relationship between husband and wife.
I/we further confirm that I/we are entering into this loan for the purposes of temporary finance only.

IDENTIFICATION CHECKS, CREDIT SEARCHES AND DATA PROTECTION.
I/we understand and accept that in assessing this application, IGLOO FINANCE and lenders will make inquiries about me/us, including but not limited to searching any records held by ID verification, credit reference agencies and fraud prevention agencies. I am/we are aware that if I/we give IGLOO FINANCE false or in accurate information and it suspects fraud, it will record and report this.
I/we hereby authorise and consent to IGLOO FINANCE and lenders undertaking an ID verification search and credit search against me/us (and anyone financially linked or related to me/us) at any credit reference and fraud prevention agency it seems appropriate. This information may be disclosed to the credit reference and fraud prevention agency and will be used to help make decisions about credit and credit related services, recovering debts, preventing money laundering and fraud and to manage accounts. IGLOO FINANCE, the ID verification, credit reference and fraud prevention agencies will also use the information provided for statistical analysis about credit insurance and fraud and for market research.
IGLOO FINANCE may try and add to my/our records details of the search and the application for funding and this will be seen by other organisations that make searches on me/us. Details of any of the ID verification, credit reference and fraud prevention agencies can be obtained by contacting IGLOO FINANCE directly.

DATA PROTECTION
For the administration of this application and for other related purposes, I/we hereby authorise IGLOO FINANCE to obtain, use and process the personal data on this Application Form and any other information that I/we supply to IGLOO FINANCE and to transfer such data to its professional advisors, third party loan service and administration companies, any entity providing funding to IGLOO FINANCE either now or in the future (and their professional representatives) and such other third parties as IGLOO FINANCE deems necessary for the furtherance of this transaction and any other related or future transactions with me/us or any party associated with me/ us.
IGLOO FINANCE may use information about me/us to contact me/us by post, telephone, email or other electronic media, about loan and other products and services provided by it or any third party which may be of interest to me/us, unless I/we notify IGLOO that I/we do not wish to be so advised.
I/We acknowledge that I/we have a right under the Data Protection Act 2018 to receive a copy of the personal information that IGLOO FINANCE holds about me/us by sending a request to IGLOO FINANCE.
The applicant hereby irrevocably consents to lenders contacted by IGLOO FINANCE regarding this application, and their solicitors, undertaking a search of the index of the Proprietor’s Names at the Land Registry at any time during the application for finance for the purposes of determining or managing the Applicant’s application.

REPRESENTATION & WARRANTIES
By signing this declaration, I/we confirm that the information contained within this Application Form and other documents sent to IGLOO FINANCE by me/us or my/our broker at any time is correct and accurate. I am/we are aware that IGLOO FINANCE together with its successors and assigns, will primarily be relying on this declaration as to the matters stated herein, even where it undertakes its own investigation into any of these matters.
I/we declare that the information relating to my/our income and outgoing is is correct and I am/we are able to meet all my/our current financial commitments and I am/we are able to meet the financial commitments of the proposed loan and any interest and other payments associated with it.
I/we will inform IGLOO FINANCE of any changes to the above information provided in this Application Form which occur either before or after the loan is made.
I am/we are aware that it is a criminal offence to knowingly or recklessly give false, inaccurate or misleading information when applying for a loan and that if I/we do provide false, inaccurate or misleading information in this Application Form or in any other document provided to IGLOO FINANCE, I/we may face criminal prosecution and/or civil action or recover of any losses incurred.
Where there are multiple borrowers or applicants signing this declaration, each party is making this declaration separately and independently and agrees to be jointly and severely liable for their liabilities to IGLOO FINANCE.


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