Terms of Service

Acceptance of Terms

By accessing and using the website quartzhavenium.world and the services provided by QuartzHavenium Ltd (company registration number CRO294618), you accept and agree to be bound by these Terms of Service. These terms constitute a legally binding agreement between you and QuartzHavenium Ltd.

If you do not agree to these terms, you must not use our website or services. Your continued use of our services constitutes acceptance of any modifications to these terms.

About QuartzHavenium

QuartzHavenium Ltd is a professional lending and credit services company incorporated in Ireland. Our registered office is located at 116 Pearse Street, Cork, T99 2036, Munster, Ireland. We are authorised and regulated to provide financial services within the European Union.

Company Registration Number: CRO294618
VAT Number: IE2984561T

Services Description

QuartzHavenium provides lending and credit services including but not limited to business loans, personal credit facilities, credit assessment services, and related financial advisory services. All services are subject to our internal credit policies, regulatory requirements, and applicable laws.

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. Service availability may vary by jurisdiction and client eligibility.

User Obligations

When using our services, you agree to:

• Provide accurate, complete, and truthful information
• Comply with all applicable laws and regulations
• Maintain the confidentiality of any account credentials
• Use our services only for legitimate purposes
• Not engage in fraudulent or misleading activities
• Respect the intellectual property rights of QuartzHavenium
• Notify us immediately of any unauthorised use of your account

You are responsible for all activities that occur under your account and for maintaining the security of your personal information.

Intellectual Property

All content, materials, and intellectual property on the QuartzHavenium website and in our services, including but not limited to text, graphics, logos, images, software, and trademarks, are the exclusive property of QuartzHavenium Ltd or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from our website or services without our prior written consent. The QuartzHavenium name and logo are trademarks of QuartzHavenium Ltd.

Any unauthorised use of our intellectual property may result in legal action and termination of your access to our services.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of personal information is governed by our Privacy Policy, which forms part of these Terms of Service. By using our services, you consent to our privacy practices as described in our Privacy Policy.

We process personal data in accordance with the General Data Protection Regulation (GDPR) and other applicable data protection laws. For detailed information about how we handle your personal data, please review our Privacy Policy.

Financial Services Terms

Our lending and credit services are subject to additional terms and conditions that will be provided to you when you apply for specific financial products. These may include loan agreements, credit terms, interest rates, fees, and repayment schedules.

All financial services are subject to credit approval and our internal risk assessment processes. We reserve the right to decline any application or modify terms based on creditworthiness and regulatory requirements.

Interest rates, fees, and charges will be clearly disclosed before you enter into any financial agreement with QuartzHavenium.

Limitation of Liability

To the maximum extent permitted by law, QuartzHavenium Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our website or services.

Our total liability to you for all claims arising from or relating to these Terms of Service or our services shall not exceed the amount of fees paid by you to QuartzHavenium in the twelve months preceding the claim.

Nothing in these terms shall exclude or limit our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded or limited under applicable law.

Indemnification

You agree to indemnify, defend, and hold harmless QuartzHavenium Ltd, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Ireland. Any disputes arising from or relating to these terms or our services shall be subject to the exclusive jurisdiction of the Irish courts.

If you are a consumer resident in the European Union, you may also have rights under the consumer protection laws of your country of residence, and nothing in these terms affects those rights.

Termination

We may terminate or suspend your access to our services at any time, with or without notice, for any reason, including if we reasonably believe you have violated these Terms of Service or applicable laws.

You may terminate your relationship with QuartzHavenium at any time by ceasing to use our services, subject to any outstanding obligations under existing financial agreements.

Upon termination, your right to use our services will cease immediately, but any provisions that by their nature should survive termination will remain in effect.

Regulatory Compliance

QuartzHavenium operates in compliance with all applicable financial services regulations within the European Union. Our services are provided in accordance with Irish financial services legislation and EU directives.

We are committed to maintaining the highest standards of regulatory compliance, including anti-money laundering (AML) and know your customer (KYC) requirements.

Amendments

We reserve the right to modify these Terms of Service at any time. Material changes will be notified to you via email or through prominent notice on our website. Your continued use of our services after such modifications constitutes acceptance of the updated terms.

If you do not agree to any modifications, you must discontinue use of our services.

Severability

If any provision of these Terms of Service is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining terms will remain in full force and effect.

Contact Information

If you have any questions about these Terms of Service, please contact us: