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IBAS Web Site - Privacy Policy and Terms and Conditions of use

Modified: 21st February 2024

This privacy policy is for all those visiting IBAS website at ibas.co.uk and for all who access or use it. IBAS do not use, collect or store any personal information from those who visit this website, nor do we interact with social media in any way from this website,nor do we provide third party leads or information to any third party from your visit to this web site. Our website ibas.co.uk complies with all UK laws and requirements for complete user privacy.

However, whilst IBAS web site content is under IBAS direct control the website is hosted by Cyber Ware Ltd (see terms) and the website is administered by cPanel which does use tracking software to monitor visitors - to better understand how the website is actually used. The software provided by CPanel uses cookies to keep you logged in and to track the visitor's usage. That software will save a cookie to your computers hard drive in order to track and monitor your engagement and usage of the website but will not store, save or collect personal information for IBAS use. You can read CPanelʼs privacy policy for further information at https://cpanel.com/privacy-policy.html).


Also, cookies may be stored to your computers hard drive by other external links or external sites when this website uses links to helpful sites, editorials or banking news items. Those cookies are used for conversion and referral tracking and may expire after 30 days although others could take longer. No personal information is stored, saved or collected by IBAS from any hosting or administering service or activities nor do we seek or intend to do so. If you have any questions please contact IBAS at: helpdesk@ibas.co.uk

Contact & emails

Users contacting this website and/or its owners do so at their own discretion and provide any personal details at their own risk. Your personal information is kept private and confidential and stored securely until it is no longer required or has no use, as required by GDPR. Every effort is made to ensure safe and secure emails and transmission of information but those emailing any information to IBAS do so at their own risk. This website and its owners use any information submitted to provide you with assistance in answering your questions or in providing IBAS membership information.


IBAS will request your specific authority to respond to you to comply with GDPR and this will be made clear to you in any reply to your enquiry and your express permission will be requested to continue in any email enquiry process. Your email address and any other personal information you may provide to IBAS in an enquiry will never be distributed to a third party or used for publicity without your express written consent and specific written authority to do so. IBAS do not track emails for marketing purposes and do not share any enquiry information with any third party.


External Links

Whilst, the IBAS website seeks to include safe and external links, users should always adopt caution before clicking on any external web links mentioned throughout our website. The owners of this website cannot guarantee or verify the contents of any externally linked website despite our best research or efforts to do so. Users should note that they click on external links at their own risk and that this website and its owners cannot be held liable for any damages or implications or loss caused by visiting any external links shown within this web site or mentioned in any editorials content. Users are advised to take caution and good judgement before clicking any external links provided by this website and its owners as many social media platforms are prone to spam and hacking and therefore this website and its owners cannot be held liable for any damages or implications caused by your visiting any external links whatsoever.



All content contained within ibas.co.uk has been edited and verified as much as it is possible to do so. However, we cannot guarantee either its accuracy or the safety of any external links it might contain. IBAS or ibas.co.uk or its owners and contributing authors can not be held responsible for any problems, issues or damage which may occur as a result of using any material or for any external links contained on our site. All content provided on the IBAS web site is available for information only and should not be used or seen as providing you with advice in any way.


Governing Law

All our Terms in this Policy document are Governed by English Law, which means that when you are using this web site you are also agreeing that the Courts of England and Wales will have non-exclusive jurisdiction should any dispute or claim arise from or out of your use of any material provided on this web site or in connection with these terms.


Who we are and how to contact us

IBAS is the Independent Banking Advisory Service, established in 1992 as a specialist, unincorporated, non-profit, business banking membership organization, assisting business banking customers. If you have any questions, suggestions, or concerns about this policy, or about our use of your information, please contact us by email or write to IBAS at:


IBAS, Suite A,
North View, Warners Drove,
Somersham, Huntingdon, Cambs PE28 3WD


IBAS act for UK Business Banking customers



By 2002 Independent Banking Advisory Service had already obtained in excess of £21 million in refunds, write-offs and write-down of bank debt for Business Banking customers from our successful investigations of UK Business Banking Disputes


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IBAS has featured on BBC TV, BBC Testimonial for IBAS BBC TV News, ITV News, Meridian TV and Sky TV News since 1992 and contributed banking editorials and business banking articles for Sunday Times, Times, Daily Mail, Daily Express, Telegraph and Daily Mirror.


Independent Banking Advisory Service (IBAS) - launched in 1992 and are UK Specialist Business Banking Dispute Resolution Experts assisting and advising UK Business Bank customers with UK business banking account overdraft, loan disputes and business banking debt disputes.