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. 2. Applicants must complete the application form on the website. 3. Quartech will review your application and notify you if we believe 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 ONE email address that you have notified. 5. You will need to confirm to us that you want to proceed and we will send you the following for both parties to sign and return: (i) Terms of business and fee structure (ii) 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 ask you to complete the necessary and standard information to ensure we meet Anti-Money Laundering requirements and other statutory requirements. This will typically involve you send us certified copies of: (i) Passport or Drivers License or Public Service Card (ii)Recent Utility Bills or documents from recognised institutions with your current home address. 7. We will only process data relating to your mortgage and any potential compensation claim. 8. We are not debt advisors and we ONLY act in assisting you file a complaint with the Irish Financial Services and Pensions Ombudsman (FSPO). The services of the FSPO are free and a consumer can file a complaint directly with the FSPO. 9. We cannot guarantee that you will receive any compensation and your initial fee for processing the complaint is NOT refundable. 10. We cannot guarantee YOU any timetable as we are dependent upon Credit Institutions and Debt Servicers to meet their GDPR obligations and other timelines set out in Consumer Protection Codes. We are also dependent upon the FSPO’s ability to process complaints and the resources available. 11. Quartech employs the services of Sremium Limited (http://www.sremium.com) to process some of your data. 12. Our services consist of the following: (i) We access appropriate personal data held by parties with respect to YOUR mortgage; (ii) We review the data returned to us and assess if a claim exists; (iii) We construct a complaint to the relevant party; (iv) Assuming the relevant party, i.e. bank or legal owner, rejects the complaint, we then construct a complaint to the FSPO; (v) We will construct and calculate a compensation claim at the appropriate time. 13. There is an initial fee for the above service at €250 plus VAT. This is a nominal fee to cover some of our basic costs and is not refundable. 14. Quartech’s main renumeration is based upon the compensation YOU receive. There is no further charge to YOU if you do NOT receive compensation. Our final fee is aligned to YOUR interests and is calculated as 25% of any compensation that we obtain for you. 15. All fees, etc. are subject to VAT.