Privacy Policy

Introduction

QuartzHavenium Ltd ("we", "us", "our") is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you use our website and services. This policy applies to all personal data we collect through our website quartzhavenium.world and our financial services.

QuartzHavenium Ltd is the data controller for the personal information we collect and process. We are registered in Ireland with company registration number CRO294618 and our registered office is at 116 Pearse Street, Cork, T99 2036, Munster, Ireland.

Data Collection

The data we collect includes personal information you provide directly to us and information we collect automatically when you visit our website. We collect personal data when you contact us through our website, request information about our services, or engage with our lending and credit services.

Personal information we may collect includes:

• Contact details (name, email address, telephone number, postal address)
• Financial information relevant to credit assessment and lending services
• Employment and income information
• Identity verification documents
• Communication preferences and marketing consents
• Website usage data and technical information

How We Use Your Information

We use your personal data for legitimate business purposes related to our lending and credit services. How we use your information depends on the services you request and your relationship with QuartzHavenium. The primary purposes for which we use of your data include providing financial services, processing applications, conducting credit assessments, and maintaining customer relationships.

Specific uses include:

• Processing loan and credit applications
• Conducting credit checks and financial assessments
• Providing customer service and support
• Complying with legal and regulatory requirements
• Preventing fraud and ensuring security
• Improving our website and services
• Marketing communications (with your consent)

Cookies and Tracking Technologies

We may use cookies and tracking technologies for analytics, advertising, and remarketing purposes, including Google Ads. These technologies help us measure campaign effectiveness, deliver relevant advertisements, and improve our services. You can manage your cookie preferences at any time through our cookie consent banner.

Our website uses various types of cookies including essential cookies for website functionality, analytics cookies to understand how visitors use our site, and marketing cookies for advertising purposes. For detailed information about the cookies we use, please see our Cookie Policy.

Legal Basis for Processing

Under the General Data Protection Regulation (GDPR), we process your personal data based on the following legal grounds:

• Contractual necessity: To perform our obligations under contracts for financial services
• Legitimate interests: For business operations, fraud prevention, and service improvement
• Legal compliance: To comply with regulatory requirements in the financial services sector
• Consent: For marketing communications and non-essential cookies

Data Sharing and Disclosure

We may share your personal information with trusted third parties who assist us in providing our services, including credit reference agencies, fraud prevention agencies, and regulatory authorities. We only share information when necessary and ensure appropriate safeguards are in place.

We do not sell your personal data to third parties for marketing purposes. Any data sharing is conducted in accordance with applicable data protection laws and our contractual obligations.

Your Rights

Under GDPR and UK data protection laws, you have several rights regarding your personal data:

• Right of access: Request copies of your personal data
• Right to rectification: Request correction of inaccurate data
• Right to erasure: Request deletion of your data in certain circumstances
• Right to restrict processing: Request limitation of how we use your data
• Right to data portability: Request transfer of your data to another organisation
• Right to object: Object to certain types of processing
• Rights related to automated decision-making: Rights regarding automated processing

To exercise any of these rights, please contact us using the details provided below.

Data Retention

We retain your personal data for as long as necessary to provide our services and comply with legal obligations. Data retention periods vary depending on the type of information and the purpose for which it was collected. For financial services data, we typically retain information for seven years after the end of our relationship, in line with regulatory requirements.

When personal data is no longer needed, we securely delete or anonymise it in accordance with our data retention policies.

International Data Transfers

As we operate within the European Union, your personal data is primarily processed within the EU/EEA. If we transfer data outside the EU/EEA, we ensure appropriate safeguards are in place, such as adequacy decisions or standard contractual clauses.

Security Measures

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. This includes encryption, access controls, regular security assessments, and staff training on data protection.

Contact Information

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us at:

Complaints

If you are not satisfied with our response to your privacy concerns, you have the right to lodge a complaint with the Irish Data Protection Commission or your local supervisory authority.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website and updating the "Last updated" date.