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Terms & Condition

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Terms and Conditions

Welcome to IBA!

These terms and conditions outline the rules and regulations for the use of the IBA platform.

By accessing this website or using our services, you agree to comply with these terms and conditions. If you do not agree to these terms, please refrain from using our website or services.


Terminology

The following terminology applies to these Terms and Conditions, Privacy Policy, and any other agreements:

  • "Client," "You," and "Your" refer to the user accessing this website and agreeing to the Company’s terms.
  • "The Company," "Ourselves," "We," "Our," and "Us" refer to IBA.
  • "Party," "Parties," or "Us" refers to both the Client and ourselves.

Cookies

IBA uses cookies to enhance your experience on our platform. By using our website, you consent to the use of cookies in accordance with our Privacy Policy.
Cookies help improve functionality, track usage, and optimize your interactions. Some of our partners may also use cookies for advertising purposes.


License

Unless otherwise stated, IBA and/or its licensors own the intellectual property rights for all material on this website. All intellectual property rights are reserved.
You may access materials from IBA for personal use, subject to these restrictions:

You must not:

  • Republish material from IBA.
  • Sell, rent, or sublicense material from IBA.
  • Reproduce, duplicate, or copy material from IBA.
  • Redistribute content from IBA.

User-Generated Content

Parts of this website may allow users to post opinions, reviews, or other content. Such content reflects the views of the users and not IBA.

By submitting content, you agree that:

  1. You own or have permission to post the content.
  2. The content does not violate intellectual property, privacy, or other rights.
  3. The content is not defamatory, offensive, or otherwise unlawful.

IBA reserves the right to remove content deemed inappropriate.


Hyperlinking to Our Content

Organizations such as government agencies, search engines, and news outlets may link to our homepage without prior approval, provided the link:

  • Is not deceptive.
  • Does not falsely imply sponsorship or endorsement.
  • Fits within the context of the linking site.

Other link requests may be considered and approved. Approved organizations may link to our website as follows:

  • By using our corporate name.
  • By using the URL being linked to.
  • By using a description of our website that makes sense in the context.

No use of IBA’s logo or artwork is allowed without prior written approval.


iFrames

You may not create frames around our webpages that alter the visual presentation or appearance of our website without prior approval.


Content Liability

IBA is not responsible for any content that appears on third-party websites linking to or from our platform. You agree to indemnify us against any claims arising from your website content.


Reservation of Rights

We reserve the right to request removal of links to our website. You agree to remove such links upon request. We also reserve the right to amend these terms and linking policies at any time.


Disclaimer

To the fullest extent permitted by law:

  • IBA disclaims all warranties, representations, and conditions relating to the website and its use.
  • We are not liable for any loss or damage resulting from the use of our platform.

These limitations apply to all liabilities arising under these terms, including contract, tort, or statutory liabilities.


Changes to Terms

IBA may update these terms at any time. Continued use of our platform signifies acceptance of any updated terms.


Contact Us

For questions about these terms, contact us at: