Privacy Policy

IBC Solutions (“we”, “our”, “us”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website at ibcconsult.com or engage with our banking and international trade consultancy services.

Please read this policy carefully. By using our website or services, you acknowledge that you have read and understood this Privacy Policy.

1. Who We Are

IBC Solutions is a banking and financial consultancy specialising in international trade finance, regulatory compliance, risk management, and related advisory services. We work with banks, financial institutions, corporates, and government bodies across multiple jurisdictions.

For the purposes of applicable data protection legislation, IBC Solutions is the data controller responsible for your personal information.

Contact:
Email: [email protected]
Website: www.ibcconsult.com

2. Information We Collect

We may collect and process the following categories of personal information:

Information you provide to us:

Name, job title, and employer/institution name
Email address and telephone number
Postal address
Information submitted through our contact or enquiry forms
Correspondence you send to us

Information we collect automatically:

IP address and browser type
Pages visited and time spent on our website
Referring website or search terms
Device type and operating system

Information from third parties:

Publicly available professional information (e.g., LinkedIn profiles)
Information provided by referrers or business partners

3. How We Use Your Information

We use personal information for the following purposes:

To respond to enquiries and provide requested information about our services
To deliver banking and international trade consultancy services to clients
To manage our client relationships and engagements
To send relevant updates, publications, and insights (with your consent or where we have a legitimate interest)
To comply with legal, regulatory, and compliance obligations
To prevent fraud and ensure the security of our services
To improve and optimise our website and communications
To conduct due diligence as required under applicable anti-money laundering (AML) and Know Your Customer (KYC) regulations

4. Legal Basis for Processing

We process your personal information on the following legal grounds:

Contractual necessity: Where processing is necessary to perform a contract with you or to take steps prior to entering into a contract
Legitimate interests: Where we have a legitimate business interest in processing your information (e.g., marketing to existing clients, improving our services), and this interest is not overridden by your rights
Legal obligation: Where processing is necessary to comply with applicable law, including AML, KYC, sanctions screening, and financial regulatory requirements
Consent: Where you have given explicit consent for a specific purpose (e.g., newsletter subscriptions)

5. International Trade and Financial Regulatory Compliance

As a banking and international trade consultancy, we are subject to various regulatory obligations including anti-money laundering (AML), counter-terrorism financing (CTF), and trade sanctions requirements. In fulfilling these obligations, we may be required to collect, verify, retain, and in certain circumstances disclose personal and business information to regulatory authorities. This processing is carried out under legal obligation and overrides other data protection considerations where required by law.

6. Disclosure of Your Information

We do not sell, rent, or trade your personal information. We may share your information in the following circumstances:

Service providers: Trusted third parties who assist in operating our website and delivering our services (e.g., IT providers, email platforms), subject to confidentiality obligations
Professional advisors: Lawyers, accountants, and auditors where necessary
Regulatory and government authorities: Where required by law, court order, or regulatory mandate, including financial regulators, tax authorities, and law enforcement agencies
Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction

7. International Data Transfers

Given the international nature of our consultancy work, your personal information may be transferred to and processed in countries outside your country of residence. Where such transfers occur, we take appropriate measures to ensure adequate protection, including through contractual safeguards or reliance on applicable transfer mechanisms.

8. Data Retention

We retain personal information for as long as necessary to fulfil the purposes described in this policy, or as required by applicable law and regulation. Client engagement records and related personal data are typically retained for a minimum of seven (7) years following the end of an engagement, in accordance with financial services regulatory requirements. Website enquiry data is retained for up to two (2) years unless an engagement follows.

9. Cookies

Our website uses cookies to improve your experience and to analyse website traffic. Cookies are small text files stored on your device. We use:

Strictly necessary cookies: Required for the website to function properly
Analytics cookies: To understand how visitors use our site (e.g., Google Analytics)
Preference cookies: To remember your settings and choices

You can control cookies through your browser settings. Note that disabling certain cookies may affect website functionality.

10. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

Access: Request a copy of the personal information we hold about you
Rectification: Request correction of inaccurate or incomplete information
Erasure: Request deletion of your personal information, subject to legal retention obligations
Restriction: Request that we restrict the processing of your information
Portability: Request transfer of your information in a structured, machine-readable format
Objection: Object to processing based on legitimate interests or for direct marketing
Withdraw consent: Where processing is based on consent, withdraw it at any time

To exercise any of these rights, please contact us at [email protected]. We will respond within the timeframe required by applicable law.

11. Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, loss, destruction, or alteration. These include encryption, access controls, and regular security assessments. However, no transmission over the internet or electronic storage system is entirely secure, and we cannot guarantee absolute security.

12. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies before providing any personal information.

13. Changes to This Policy

We may update this Privacy Policy from time to time. The “Last updated” date at the top of this page reflects the most recent revision. We encourage you to review this policy periodically. Continued use of our website or services following any changes constitutes acceptance of the updated policy.

14. Contact Us

If you have questions, concerns, or complaints about how we handle your personal information, or wish to exercise your data rights, please contact us:

IBC Solutions
Email: [email protected]
Website: www.ibcconsult.com

This Privacy Policy is provided for informational purposes. IBC Solutions recommends that this document be reviewed by a qualified legal professional to ensure compliance with applicable laws in your jurisdiction.