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). 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. 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 including 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 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, Drivers License or Public Service Card, AND each party to the loan to provide (2) a Utility Bill or other document from a recognised institution with each party's name clearly displayed on the correspondence. 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 management company, the current loan owner, for a sustainable and affordable restructure. 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 file a complaint with the Irish Financial Services and Pensions Ombudsman (FSPO) and making 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 your initial fee 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: (i) We review your mortgage based upon data supplied by you; (ii) We construct a complaint to the relevant parties; (iii)If the relevant party, i.e. provider, bank or legal owner, rejects the complaint, we then construct a complaint to the FSPO; (iv) We will construct and calculate a compensation claim at the appropriate time. If we believe it is necessary to increase the amount of compensation offered, we will instruct a third party of our choice to substantiate a higher value. This cost will be borne out of the compensation amount or value granted to YOU. (vi) We will engage with the the FSPO regarding your complaint. 14. There is an initial fee for complaint processing through to the Ombudsman, which you will be notified after we review your mortgage. This initial fee is to cover our fixed costs and is not refundable. You pay no more than this amount unless we win compensation and/or a restructure for you. 15. Quartech’s renumeration is based upon the compensation and/or an agreed restructure of the mortgage being put in place. By compensation we mean any payment to you or that your account receives, and is not limited to cash compensation paid directly to you. There are no further charges to YOU unless you receive such compensation or a restructure. Our final renumeration is aligned to YOUR interests and is calculated as 20% (plus VAT) of any compensation that we obtain for you from the FSPO or a restructure. 16. To effect any compensation payment or other payments associated with the claim you authorise us to instruct the compensating party to pay to the bank account of Quartech Services Limited or any such account nominated by Quartech Services Limited. Quartech will deduct its final fee and transmit the net amount to you at the bank account nominated by YOU. 17. If the full value of any award is credited directly to your bank account, then it will be up to you to arrange payment of Quartech's final fee.