Line your loaf pan with aluminum foil.
Break the Chocolate into small pieces.
Melt the chocolates and coconut fat together in a medium saucepan over low heat, stirring constantly.
When it's all melted, add the cream, sugar and vanilla... stir until smooth.
If you want to add Rum, now is the time...pour it in the chocolate mixture... stir until smooth.
Open your package of biscuits.
Spread a thin layer of chocolate over the bottom of the pan (about 1/4 inch)
Layer biscuits across the chocolate... you don't want the biscuits to touch the sides!
Spread chocolate across the biscuits
Layer more biscuits across the chocolate
Repeat until you fill up the loaf pan... or run out of chocolate.
Make sure you end on a CHOCOLATE LAYER!
Cover with a sheet of plastic wrap.
Refrigerate for at least 3 hours.
Take out of the fridge... pull the plastic wrap off of it, and turn it over onto a rectangular plate.
Carefully peel the foil off of the cake.
Slice and serve.