1. Quartech Services Limited and its affiliates (Quartech, us, we) provides assistance to consumers who have drawn down a mortgage subject to Irish Consumer Protection Laws (the Applicants). Quartech will investigate if your mortgage was mis-sold and lodge a complaint to both your financial services provider and to the Financial Services and Pensions Ombudsman (FSPO) or, in the case where your loan has been sold to a third party, we may lodge a complaint to that current loan owner if appropriate. 1a. Please be aware that consumers can take complaints directly to the FSPO without any fees involved. To be clear, the FSPO’s services are free to consumers. 2. Applicants must complete the application form on the website. 3. Quartech will review your application and notify you if we think you may have a claim. You must provide ONE primary email address to us and it is this address that we will contact you at all times. 4. In the case of joint mortgage accounts, both parties must complete the application form, and all subsequent requests from Quartech to process your claim. We will only correspond with the ONE primary email address you have provided. 5. After our initial indication advised to you, you will need to confirm to us that you want to proceed and as part of our initial onboarding of your case and forwarding us your personal details, you will have agreed to the Terms of Business as set out on the website. 5a. You will provide us with a Letter of Authority permitting us to access YOUR personal information held by the original lending Credit Institution and/or the current owners of the loan and/or any other parties that may have held personal data regarding your mortgage. 6. We will ask you to complete the necessary and standard information to ensure we can access your mortgage data from the relevant financial services provider. This will typically involve each party to the loan providing (1) two forms of identification - Passport, Driver License or Public Service Card, AND each party to the loan will provide (2) a Utility Bill or other document from a recognised institution with each party’s name on the clearly displayed as an addressee on the provided correspondence. Please note that this is an identification process and we require your current residential address, i.e. where you are currently residing. 7. We may, at a later date, if you opt for this service, request further personal information from you in order to create a claim to the Debt Service company for a sustainable and affordable restructure on your mortgage. 8. We will only process data relating to your mortgage and any potential compensation claim. 9. We are not debt advisors and we ONLY act in assisting you (1) file a complaint with the Irish Financial Services and Pensions Ombudsman (FSPO) and/or (2) make a claim for a restructure to the provider or current loan owner. The services of the FSPO are free and a consumer can file a complaint directly with the FSPO if they so wish. 10. We cannot guarantee that you will receive any compensation or a restructure and any initial fee charged by us for processing the complaint is NOT refundable. 11. We cannot guarantee YOU any timetable as we are dependent upon current loan owners, mortgage providers and debt management companies to meet their GDPR obligations and other requirements set out in Consumer Protection Codes, etc. We are also dependent upon the FSPO’s ability to process complaints and the resources available to the FSPO. 12. Quartech employs the services of Sremium Limited (http://www.sremium.com) to process some of your data. 13. Our services consist of the following: (1) We review your mortgage based upon data supplied by you; (2) We construct a complaint to the relevant parties with indicative values claimed. (3) If the relevant party, i.e. provider, bank or legal owner, rejects the complaint, we then construct a complaint to the FSPO; (4) Engagement with the FSPO and respondent through to final decision. We may as part of the compensation process charge an additional fee where the FSPO cannot calculate the award value in the normal course of their business or where we determinate that the amount awarded is not correct and underestimates your claim. This fee will be notified to you in advance of any work that we undertake and will be paid from any of the following: (1) the compensation awarded, and/or (2) paid directly by you if you obtain a restructure of your mortgage, and/or (3) paid directly from the current loan owner as part of any restructure arrangement agreed. 14. There is an initial nominal fee for onboarding your complaint and you will be notified of this fee when we notify you of the our initial view of your complaint. This initial fee is not refundable. You pay no more than this nominal fee unless we win compensation and/or a restructure of the mortgage. 15. Our professional for analysing, creating and processing your complaint to the FSPO will be in the region of €15,000 but will vary depending upon the level of complexity of inherent risks to be analysed within your mortgage contract and associated documents. You will be notified of the exact fee when your complaint is filed with the FSPO. However, please note that payment by you to us will be deferred and only payable under the following circumstances: (1) you obtain cash compensation, and/or (2) You obtain a restructure of your mortgage, and/or (3) you obtain any other quantifiable financial benefit as a result of our work, or (4) you withdraw from the process after we file the complaint to the financial service provider or current loan owner or both. This does not include any nominal onboarding fee charged at the very inception which is used to process your onboarding documents and meet our regulatory requirements. This nominal fee is not refundable. There will be an additional professional fee for (1) compensation calculation work and (2) working with the current loan owner to obtain the best outcome and settlement for you. These professional fees will be agreed in advance with you at the appropriate time in the future and will be dependent upon your agreement to us undertaking the work. 15a. For those struggling with mortgage payments today and have an eligible mis-selling claim lodged or in the process of being lodged with the FSPO, we can offer Expert Banking Opinions on the loan contract. This Expert Banking Opinion provides the basis for you to: (1) take an action against the current loan owner for Unfair Terms as defined by European Consumer Laws. If you opt for this service, we will advise you separately of the process and the fees for the Expert Banking Opinion. (2) to provide to Court in defence of any action against You with respect to your mortgage. 16. Quartech is committed to delivering a fair and equitable outcome for consumers. We guarantee that our professional fees in total with respect to your mortgage complaint will not exceed 20% of the total value of compensation, as defined, paid or accrued to you in cash or by way of a restructure of the mortgage. This guaranteed by Quartech to cap fees is to ensure that all consumers, regardless of the size of their mortgage, obtain fairness and equity and that we subscribe to the European Union’s Principle of Effectiveness. We also guarantee that all of Quartech fees will be agreed with you in advance. To be clear, there will be an additional professional fee for our Expert Banking Opinion and we will agree that fee with you before we undertake any work in this area. Given that some clients may be insolvent due to the mis-sale of the unsuitable mortgage under review, in the interests of fairness and the Principle of Effectiveness, Quartech can arrange, on request, for this fee relating to the Expert Opinion can be partially deferred by way of affordable monthly payments. 16a. Please be aware that you can make your own complaint to the FSPO directly and there are no fees payable for the FSPO services, if you decide to take this course of action. 17. To effect any compensation payment or other payments associated with the claim you authorise us to instruct the compensating party to pay to the Client Account of Quartech Services Limited or any other Client Account nominated by us or to the Client Account of Quartech’s solicitor. We will deduct the deferred fees as agreed and transmit the net sum, after any mandatory adjustments for taxes such as VAT, to the bank account nominated by you. 18. If the full value of any award is credited directly to your bank account, then it will be your responsibility to arrange payment of Quartech's final fee. 19. If you agree a restructure or obtain any value from the loan owner after Quartech has filed the complaint, our fees will become payable immediately. If you withdraw from the process at any stage after Quartech has filed your complaint to the provider or loan owner, without just cause or reason, Quartech fees will become payable immediately.