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 assist you in obtaining an affordable and sustainable restructure. 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 to us. 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 may, at a later date, 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, any potential compensation claim and data relating to your restructure proposal. 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 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 set out in Consumer Protection Codes and other timelines. We are also dependent upon the FSPO’s ability to process complaints and the resources available. 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 access relevant 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 parties; (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. (vi) We will engage with the current loan owner, the debt management company, and provide a restructure claim based upon your current situation and the information we discovered about the origination of your mortgage. 14. There is an initial fee for complaints to the Ombudsman of €250 (including VAT) and for the full service including a restructure claim of your mortgage a total initial fee of €500 (including VAT). This is an initial fee to cover our fixed costs and is not refundable. You pay no more than this unless we win compensation and/or a restructure for you. 15. Quartech’s main renumeration is based upon the compensation and/or an agreed restructure of the mortgage being put in place. There is no further charge to YOU if you do NOT receive compensation or a restructure. Our final renumeration is aligned to YOUR interests and is calculated as 25% of any compensation that we obtain for you from the FSPO and a restructure fee of €2,000 when we have completed your claim for a restructured arrangement with the current loan owner, the debt management company. 16. All fees, etc. are subject to VAT unless stated.