IB Business Limited ("we", "us", "our") respects your privacy. This notice explains how we use personal information when you visit this website, contact us or ask us to provide mortgage, specialist property finance or protection services.
1. Who we are
IB Business Limited is responsible for the personal information it holds about you in connection with its services. Our registered office is UK Tax Accountants, 225 Cranbrook Road, Ilford, Redbridge, IG1 4TF, United Kingdom. Regulatory information is set out in the footer of this website.
Privacy contact: info@ibbusiness.co.uk | 07771 757 416
2. Information we collect
When you use the contact form, we collect the information you choose to provide, including your name, telephone number, email address, service of interest and any message you send us. Our hosting and security systems may also process technical information such as IP address, browser information and server logs for security and operation of the website.
If you choose to proceed with advice or an application, we may need additional information such as identification, address history, employment and income details, financial commitments, credit information, property information and, for protection advice, relevant health and lifestyle information. We will explain what is required during the advice process.
3. How we use your information
- to respond to enquiries and arrange requested calls or appointments;
- to assess your needs and provide services you ask us to provide;
- to prepare, submit and administer applications where you instruct us to do so;
- to meet legal, regulatory, fraud-prevention and record-keeping obligations;
- to operate, protect and improve this website and our business systems; and
- to send marketing only where we have a lawful basis to do so and you have not opted out.
4. Lawful bases
Depending on the circumstances, we process personal information because it is necessary to take steps at your request before entering into a contract, to perform a contract, to comply with legal or regulatory obligations, or because we have a legitimate business interest that is not overridden by your rights. Where special-category information such as health data is required for protection advice, the relevant additional condition for processing will be identified as part of that process.
5. Who we may share information with
We do not sell your personal information. Where necessary for the service you request, information may be shared with our network principal, lenders, insurers or other product providers, valuers, solicitors or conveyancers, credit-reference or identity-verification providers, professional advisers, and technology, hosting, email or CRM providers acting for us. We may also disclose information where required by law, a regulator or other competent authority.
6. Website enquiries and email
When you submit the website contact form, a copy of the enquiry is stored privately within our WordPress administration area and an email notification is sent to info@ibbusiness.co.uk. The form should not be used to send highly sensitive documents or detailed medical information. We will request sensitive information through an appropriate process if it is needed.
7. Cookies and similar technology
This website does not intentionally use advertising or behavioural-tracking cookies. WordPress, hosting, security or other essential services may use strictly necessary technologies to operate and protect the site. If non-essential analytics or marketing technologies are added in future, this notice and any required cookie controls will be updated.
8. Retention and security
We keep personal information only for as long as necessary for the purpose for which it was collected and to meet applicable legal, regulatory, insurance and record-keeping requirements. We use appropriate organisational and technical measures designed to protect information against unauthorised access, loss or misuse.
9. International processing
Some technology or service providers may process information outside the United Kingdom. Where this happens, we expect appropriate safeguards to be used where required by data-protection law.
10. Your rights
Depending on the circumstances, you may have rights to request access to your personal information, correction, deletion, restriction, portability or to object to certain processing. You can also withdraw consent where processing is based on consent. To exercise a right, contact us using the details above.
You also have the right to complain to the Information Commissioner's Office. More information is available at ico.org.uk.
11. Changes to this notice
We may update this Privacy Notice when our services, systems or legal obligations change. The date shown at the top indicates the latest website version.
These Terms of Business explain the general basis on which IB Business Limited presents its services through this website. Any personal recommendation, regulated advice or application is also subject to the disclosures, fee information and client documents provided to you during the advice process.
1. Our role
IB Business Limited acts as a credit broker and adviser/intermediary where applicable, not as a lender. We arrange and advise on mortgages, specialist property finance and protection products within the scope of the services and permissions available to us. Regulatory information is set out in the footer of this website.
2. Regulated and unregulated business
The regulatory status of a transaction depends on the product and circumstances. Some buy-to-let, commercial, bridging, development and limited-company finance may fall outside FCA mortgage regulation. We will explain the status of the service or product where relevant before you proceed.
3. Website information and calculators
Information on this website is general and does not constitute a personal recommendation. Calculator results are illustrative only and are based on the figures and assumptions entered. Actual borrowing, interest rates, fees, tax, product availability and eligibility depend on your circumstances, lender or provider criteria and the rules in force at the time.
4. Advice and applications
Before making a personal recommendation where advice is provided, we will gather information about your circumstances, objectives and needs. A lender or provider makes the final decision on any application and may change criteria, pricing or availability. Nothing on this website is a guarantee that finance or insurance will be available.
5. Fees and remuneration
Any fee payable to IB Business Limited will be explained and agreed with you before it becomes payable. We may also receive commission or other remuneration from a lender or insurer where permitted. Relevant remuneration and fee information will be disclosed as required during the advice or application process.
6. Information you provide
You are responsible for providing complete and accurate information and for telling us if material circumstances change. Recommendations and applications may be affected if information is incomplete, inaccurate or out of date.
7. Third parties
Lenders, insurers, valuers, solicitors, conveyancers and other third parties involved in a transaction are separate organisations and are responsible for their own services, decisions and timescales. We will assist with coordination where this forms part of our service, but we do not control the actions of independent third parties.
8. Protection products
Insurance cover is subject to the provider's policy terms, definitions, exclusions, underwriting and eligibility requirements. You should read the policy documentation carefully and tell us about any information relevant to an application when requested.
9. Complaints
If you are unhappy with our service, please contact us at info@ibbusiness.co.uk or on 07771 757 416. We will provide or follow the applicable complaints procedure. Depending on the regulatory status of the service, you may have rights to refer an eligible complaint to the Financial Ombudsman Service. Those rights do not necessarily apply to unregulated business.
10. Data protection
Our use of personal information is explained in the Privacy Notice.
11. Intellectual property and acceptable use
The text, design, branding and original website content are owned by or licensed to IB Business Limited unless stated otherwise. You may view and print content for your personal use, but you must not reproduce or commercially exploit it without permission. You must not misuse the website, attempt unauthorised access or interfere with its operation.
12. Website availability and external links
We aim to keep the website accurate and available but cannot promise uninterrupted access. Links to third-party websites are provided for convenience; we are not responsible for their content, security or availability.
13. Liability
Nothing in these terms excludes or limits liability where it cannot lawfully be excluded. Subject to that, you should not rely on general website content or calculator outputs as a substitute for personal advice, legal advice or tax advice. Any regulated advice we provide will be based on the information gathered for your individual case.
14. Governing law
These website terms are governed by the laws of England and Wales. The website is intended primarily for customers in the United Kingdom.
15. Changes
We may update these Terms of Business from time to time. The date shown at the top indicates the latest website version.
