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Data governance & retention

Submissions are held in tenant-isolated database storage with access restricted by role. Records are retained for six years, in line with the UK Limitation Act 1980 and HMRC and Irish Revenue record-keeping rules, then securely deleted.

GDPR

Q Compliance processes corporate information. Personal data is limited to statutory directors and beneficial owners making statutory declarations, processed on the lawful bases of contractual necessity and legal obligation. See the Privacy Policy.

Regulatory perimeter

AnswerQuay Limited provides Q Compliance as a business-to-business software, data verification and risk-auditing service. AnswerQuay Limited is not authorised or regulated by the Financial Conduct Authority or the Central Bank of Ireland, is not a lender or credit provider, and is not a credit rating agency. Q Compliance outputs are analytical records for institutional decision-makers, not regulated advice, credit ratings or offers of finance.

Limitation of liability

Q Compliance Certificates and Sealed Institutional Audit Annexes record an analysis of the information supplied, tested against historical data and the macro conditions applied at the date of issue. They are not a guarantee, forecast or warranty of the future solvency, performance or creditworthiness of any business, and must not be relied on as the sole basis for any lending, investment or credit decision. AnswerQuay Limited stands behind the integrity of its historical data processing and its handling of director and UBO declarations as received, but accepts no liability for commercial outcomes, for decisions taken by any lender, investor or regulator, or for inaccurate information supplied by an applicant. Nothing in this notice limits liability that cannot be limited by law.

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