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Terms of Use
Last updated: September 6, 2026
TERMS OF USE AND MARKETPLACE TERMS
These Terms of Use and Marketplace Terms (the “Terms”) govern your access to and use of the International Fintech Business mobile application and any related online services that link to these Terms (together, the “Services”).
The Services are operated by:
INTERNATIONAL FINTECH BUSINESS LTD
trading as International Fintech Business or IFB
Company number: 14431830
Registered office: Level 18 40 Bank Street, London, England, E14 5NR
Email: support@ifbusiness.uk
In these Terms, “IFB”, “we”, “us” and “our” refer to INTERNATIONAL FINTECH BUSINESS LTD.
“You” and “your” mean the individual using the Services and, where you use the Services on behalf of a company, partnership or other organisation, that organisation.
By creating an account, purchasing a subscription or otherwise accessing or using the Services, you agree to these Terms.
If you do not agree to these Terms, you must not use the Services.
The Services are intended only for persons aged 18 or over.
Where you use the Services on behalf of a legal entity, you represent that you have authority to bind that entity to these Terms.
The Services provide a private business marketplace through which users may, depending on the functionality available:
The marketplace is intended primarily for bona fide acquisitions of whole businesses, companies or controlling interests in companies, including businesses operating in regulated financial-services sectors.
The Services are not designed to operate as:
IFB may restrict, decline or remove any listing or proposed transaction that, in our reasonable opinion, falls outside the intended scope of the marketplace or creates legal, regulatory, compliance or reputational concerns.
The App does not complete acquisitions
A marketplace listing is provided for information and enquiry purposes only.
Unless IFB expressly states otherwise:
IFB may facilitate introductions, communications and transaction discussions but is not a party to an acquisition merely because the opportunity was identified through the Services.
No agency or fiduciary relationship
Unless expressly agreed in a separate written agreement, IFB does not act as your legal representative, trustee, fiduciary, investment manager or agent for the purposes of negotiating or completing a transaction.
Nothing in these Terms creates a partnership, joint venture, employment relationship or fiduciary relationship between you and IFB.
IFB provides consultancy, regulatory, licensing, compliance, M&A and related professional services outside the App.
If your marketplace enquiry develops into:
IFB may require you to enter into a separate:
Any such agreement is separate from these Terms.
If there is a conflict between these Terms and a separately signed agreement with IFB concerning a specific professional engagement or transaction, the separately signed agreement will prevail for that engagement or transaction.
Nothing in these Terms creates a success fee, transaction commission or other M&A fee unless such remuneration has been separately agreed.
Nothing in these Terms limits any retainer, commission, success fee or other remuneration properly payable to IFB under a separate agreement.
You may need an account to access some or all of the Services.
You must provide accurate and current information when creating and maintaining your account.
You must not:
You are responsible for keeping your account credentials and devices secure.
Where authentication is provided through Google, Apple or another identity provider, you are also responsible for complying with the terms applicable to that account.
You must notify us promptly if you believe that:
IFB may require additional information to verify your identity, authority or organisation before allowing access to particular marketplace information.
Because the Services concern acquisitions of companies, including regulated financial businesses, IFB may conduct or require identity, business and compliance checks before providing access to certain opportunities or information.
We may request, where reasonably appropriate:
Providing access to the App does not oblige IFB to provide access to every listing or to disclose confidential information concerning a particular business.
We may refuse or restrict access where requested information is not provided or where we reasonably identify legal, financial-crime, regulatory, sanctions, fraud, reputational or other material concerns.
Listings may contain information supplied by:
IFB may review, edit, summarise or standardise information before displaying it.
Unless expressly stated otherwise, this does not mean that IFB has independently audited or verified every statement in a listing.
Availability
A listing may be:
IFB does not guarantee that a company appearing in the marketplace remains available for acquisition.
Asking prices
Any asking price, indicative price, valuation range or other financial figure appearing in a listing is provided for information only.
Unless expressly stated otherwise, an asking price:
If you submit a company or business for possible listing, you represent and warrant that:
IFB may refuse, suspend, anonymise, amend or remove a proposed listing where:
IFB is not obliged to accept a company for listing merely because information has been submitted.
If you submit an acquisition enquiry, you represent that:
IFB may determine the amount of information disclosed at each stage of an enquiry.
For example, IFB may provide:
Many companies appearing through the Services may hold financial-services licences, registrations, memberships or other regulatory permissions.
References to a:
describe the status of the relevant company or business.
They do not constitute a representation that a regulatory authorisation, licence, registration or permission can itself be separately sold, transferred or assigned.
An acquisition of a regulated company may require:
IFB does not warrant or guarantee that any regulator will approve a prospective purchaser, shareholder, director, controller or proposed transaction.
Regulatory requirements may change before or during a transaction.
A buyer is responsible for obtaining appropriate advice regarding the regulatory consequences of a proposed acquisition.
Acquiring a company, particularly a regulated financial-services company, involves significant legal, regulatory, financial, tax, operational, technological and commercial risk.
You must make your own assessment of any transaction.
Before completing an acquisition, a buyer should undertake appropriate due diligence and obtain professional advice appropriate to the transaction.
This may include independent:
You should independently verify regulatory authorisations through the relevant regulator or official register.
Unless IFB expressly agrees otherwise in a separate engagement, IFB does not warrant that information supplied by a seller or third party is complete or independently verified.
Third-party relationships
A company may have relationships with:
The existence of a relationship at the time a listing is prepared does not guarantee that the relationship will continue following an acquisition or change of control.
IFB does not guarantee continuation of any third-party relationship unless expressly stated in a separate written agreement.
Marketplace information may be commercially sensitive.
“Confidential Marketplace Information” includes non-public information disclosed through or in connection with the Services concerning:
You must:
You may disclose Confidential Marketplace Information to your:
where they genuinely need the information to evaluate the proposed transaction and are subject to appropriate confidentiality obligations.
These restrictions do not apply to information that you can demonstrate:
If disclosure is legally required, you should, where lawful and reasonably practicable, notify IFB before making the disclosure.
This Section applies for three years after the relevant disclosure, except that obligations concerning trade secrets or information subject to a separate NDA continue for the period specified by applicable law or that NDA.
A separate NDA may impose additional confidentiality requirements.
The commercial value of the marketplace includes IFB’s identification, sourcing and introduction of acquisition opportunities and counterparties.
An “IFB Introduction” occurs where IFB or the Services first provides you with:
in connection with a potential transaction.
For 24 months following an IFB Introduction, you must not intentionally circumvent IFB in relation to that opportunity for the purpose of excluding IFB from a transaction or avoiding obligations properly owed to IFB.
Without IFB’s consent, you must not use an IFB Introduction to bypass IFB by arranging for a transaction to be pursued through:
This provision does not prevent:
If you believe an opportunity was already known to you, you should notify IFB promptly after receiving the relevant introduction.
Nothing in this Section independently creates a transaction commission or success fee.
Any fee payable to IFB is determined by the applicable separate agreement.
However, breach of this Section may entitle IFB to pursue remedies available under applicable law for losses caused by the breach, including, where appropriate, injunctive relief.
This Section survives closure or termination of your account.
Some functionality may require a paid subscription.
The benefits included with a subscription will be described on the relevant purchase screen and may include, depending on the subscription offered:
App-store billing
Where a subscription is purchased through the Apple App Store or Google Play:
The price, billing period and material subscription features will be displayed before you purchase.
Automatic renewal
Unless the purchase screen states otherwise, subscriptions automatically renew until cancelled.
The relevant app store will charge the payment method associated with your store account in accordance with its applicable terms.
Cancellation
You can cancel an App Store or Google Play subscription using the subscription-management functionality provided by the relevant store.
Cancellation normally takes effect at the end of the current paid billing period unless applicable law or the relevant app-store rules provide otherwise.
Account deletion does not necessarily cancel a subscription
Deleting your IFB account does not necessarily cancel a subscription administered by Apple or Google.
If you wish to stop future subscription charges, you should cancel the subscription through the relevant app store.
Price changes
Subscription prices may change.
Where a price change affects an existing subscription, it will be implemented in accordance with applicable law and the rules of the relevant app store, including any notice or consent requirements that apply.
Refunds and statutory rights
Refund requests for purchases made through Apple or Google are generally administered through the relevant app store in accordance with its policies.
Nothing in these Terms excludes any refund, cancellation, cooling-off or other consumer right that applies under mandatory law.
“User Content” means information, text, documents, images, company descriptions or other material that you submit to IFB through the Services.
You retain ownership of intellectual-property rights in your User Content.
You grant IFB a non-exclusive, worldwide, royalty-free licence to use, reproduce, store, format, adapt and display User Content only to the extent reasonably necessary to:
Where content is submitted for publication as a marketplace listing, you authorise IFB to:
IFB will not acquire ownership of your underlying User Content merely because you submit it.
Confidential documents
Providing a confidential document to IFB does not make that document public or non-confidential.
IFB will handle personal information in accordance with its Privacy Policy and confidential transaction information in accordance with these Terms and any applicable separate NDA or engagement agreement.
Responsibility for User Content
You must not submit content that:
• you have no right to provide;
• is knowingly false or materially misleading;
• infringes intellectual-property rights;
• unlawfully breaches confidentiality;
• unlawfully contains another person’s personal information;
• is fraudulent;
• contains malware or malicious code;
• promotes illegal activity; or
• otherwise violates applicable law.
IFB may remove or reject User Content that breaches these requirements.
You may use the Services only for lawful purposes and in accordance with these Terms.
You must not:
IFB may investigate suspected misuse and may preserve or disclose information where reasonably necessary to protect users, enforce these Terms or comply with law.
You must not use the Services:
You represent that your use of the Services will comply with laws applicable to you concerning:
IFB may suspend or refuse access immediately where we reasonably consider this necessary for legal, sanctions, AML, fraud-prevention or regulatory-risk purposes.
IFB is not required to disclose confidential details of an internal compliance assessment where disclosure would itself be unlawful or compromise legitimate financial-crime controls.
The Services and their underlying technology, software, structure, design, databases, marketplace organisation, text, graphics, branding, logos and other IFB-created content are owned by or licensed to IFB and are protected by applicable intellectual-property laws.
Subject to these Terms, IFB grants you a limited, non-exclusive, non-transferable and revocable licence to access and use the Services for their intended purpose.
You may not, without IFB’s prior written permission:
No rights are granted except those expressly set out in these Terms.
Feedback
If you voluntarily provide ideas or suggestions specifically concerning improvements to the App or Services, IFB may use that feedback without restriction or compensation, provided this does not give IFB ownership of your confidential transaction information or other User Content.
The Services may use artificial-intelligence or machine-learning technology to assist with functions such as searching, organising or presenting marketplace information.
AI-assisted results:
You remain responsible for independently evaluating any marketplace opportunity identified through AI-assisted functionality.
The Services may depend upon or integrate with third parties including:
Those third parties may operate under separate terms and privacy policies.
IFB is not responsible for services operated independently by third parties.
Your use of an Apple or Google application store is also subject to the relevant store’s terms.
Nothing in these Terms makes Apple or Google responsible for IFB’s marketplace or professional services.
IFB processes personal information in accordance with its Privacy Policy, available at:
ifbusiness.uk/app/privacy-policy
The Privacy Policy explains:
The Privacy Policy is a privacy notice and is not incorporated into these Terms as a contractual mechanism for obtaining data-protection consent.
Suspension for cause
IFB may immediately restrict or suspend access where we reasonably believe that:
Where appropriate and legally permissible, IFB may give you an opportunity to remedy a breach.
Termination by you
You may stop using the Services and request closure of your account at any time.
Closing an account does not automatically cancel a subscription administered through Apple or Google.
Termination by IFB
IFB may terminate an account for material or repeated breach of these Terms.
IFB may also discontinue an account or Service for legitimate business, legal or technical reasons on reasonable notice where practicable.
If IFB terminates a paid Service without fault on your part, any refund or subscription adjustment will be handled in accordance with applicable law and relevant app-store rules.
Continuing obligations
Termination does not affect rights or obligations that arose before termination.
Sections concerning:
IFB aims to make the Services available reliably but does not guarantee uninterrupted availability.
The Services may be unavailable because of:
IFB may modify, add or remove features where reasonably necessary for:
Where a material change substantially reduces a paid Service, IFB will provide reasonable notice or another remedy where required by applicable law.
IFB may update these Terms where reasonably necessary because of:
The current version will display the date on which it was last updated.
Where a change materially affects existing users, IFB will provide reasonable notice where practicable.
Changes required urgently for security, legal compliance or regulatory reasons may take effect immediately.
If you do not agree to a material change, you may stop using the Services and close your account.
Mandatory consumer rights concerning changes to an existing paid service remain unaffected.
Marketplace listings, automated search results, general information and other content made available through the Services are provided for general information and transaction-discovery purposes.
They do not, by themselves, constitute:
IFB may separately provide professional consultancy, regulatory, M&A or other advisory services under a separate engagement.
You should obtain appropriate professional advice before entering into a material corporate transaction.
To the extent permitted by law, the Services are provided on an “as available” basis.
IFB does not guarantee:
Nothing in these Terms excludes any warranty, condition or right that cannot lawfully be excluded.
Nothing in these Terms excludes or limits liability where it would be unlawful to do so.
In particular, nothing excludes or limits liability for:
If you are acting in the course of business
If you use the Services wholly or mainly for purposes relating to your trade, business, craft or profession:
IFB will not be liable under these Terms for:
Subject to the exclusions above and to the maximum extent permitted by law, IFB’s aggregate liability arising from use of the App and marketplace under these Terms will not exceed the greater of:
This cap applies only to liability arising under these App and marketplace Terms.
It does not replace or amend any liability provision contained in a separately signed professional engagement, M&A mandate or Service Agreement.
If you are a consumer
If you are legally acting as a consumer, nothing in these Terms affects your mandatory statutory rights.
IFB is responsible for losses that applicable consumer law requires us to bear.
IFB is not responsible for business losses where the Services are supplied to you as a consumer for private purposes.
If you use the Services in the course of business, you will indemnify IFB against reasonable third-party claims, losses and costs resulting directly from:
This indemnity does not apply to the extent a loss was caused by IFB’s own breach, negligence or unlawful conduct.
Nothing in this Section imposes an indemnity on a consumer where doing so would be prohibited or unfair under applicable law.
The Services are not intended to operate as your permanent document-storage or transaction-record system.
You should retain your own copies of important:
IFB will handle personal information and retention in accordance with the Privacy Policy.
Nothing in these Terms limits IFB’s statutory obligations concerning security or protection of personal information.
You agree that IFB may communicate with you electronically in connection with the Services, including through:
Electronic communications may include:
Where law requires particular information to be provided in writing, electronic communication may satisfy that requirement to the extent permitted by law.
Marketplace enquiries are not transaction signatures
Submitting:
does not itself execute a share purchase agreement, transfer shares or create a binding acquisition contract unless the relevant functionality expressly states otherwise and all legal requirements for such agreement have been satisfied.
IFB respects intellectual-property rights.
If you believe that material available through the Services infringes rights that you own or control, please contact:
support@ifbusiness.uk
Your notice should identify:
IFB may remove or restrict disputed material while investigating a credible complaint.
These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of England and Wales.
Business users
If you use the Services in the course of business, the courts of England and Wales have exclusive jurisdiction over disputes arising from or connected with these Terms.
Consumers
If you are a consumer, you retain the benefit of any mandatory consumer-protection rights provided by the law of the country in which you habitually reside where those rights apply notwithstanding this governing-law clause.
Nothing in these Terms deprives a consumer of a right to bring proceedings in another court where mandatory law gives that consumer such a right.
Entire agreement
These Terms constitute the agreement between you and IFB concerning use of the App and marketplace.
They do not replace separate NDAs, Service Agreements, M&A mandates, engagement letters or other agreements entered into between you and IFB.
Assignment
You may not transfer your rights or obligations under these Terms without IFB’s written consent.
IFB may assign these Terms in connection with a genuine reorganisation, merger, acquisition or transfer of the Services, provided this does not materially reduce mandatory rights available to you.
No waiver
Failure by IFB to enforce a provision immediately does not waive the right to enforce it later.
Severability
If a provision is held to be unlawful or unenforceable, it will be modified to the minimum extent necessary or, where modification is not possible, severed.
The remaining Terms will continue in force.
Force majeure
IFB will not be responsible for delay or failure caused by circumstances beyond its reasonable control, subject to rights that cannot lawfully be excluded.
Third-party rights
Except where expressly provided otherwise, a person who is not a party to these Terms has no right to enforce them under the Contracts (Rights of Third Parties) Act 1999.
Questions, complaints or requests concerning the Services or these Terms should be sent to:
INTERNATIONAL FINTECH BUSINESS LTD
Company number: 14431830
Level 18 40 Bank Street, London, England, E14 5NR
Email: support@ifbusiness.uk
