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By using this website, you consent to the following terms:

IOBA does not collect personally identifiable information about you, such as your name, address, telephone number, fax number, e-mail address, etc., unless you choose to fill out a 'Contact Us' or the like form found on many of the pages of the website or to e-mail us directly.

IOBA does automatically collect certain non-personally identifiable information when you visit our website – such as your IP address, the type of browser you are using, the type of operating system you are using, demographic information, and the domain name of your Internet service provider.  IOBA, also utilizes Google Analytics with Enabled Demographics and Interest Reports and information is collected pursuant to the terms and conditions set forth by Google.

How IOBA normally uses information about you:

IOBA uses non-personally identifiable information to analyze website usage (such as aggregated information on the pages visited by users), which allows IOBA to improve the design and content of the website.

In the ordinary course, IOBA uses personally identifiable information you provide solely to respond to your inquiry or process an application form you have completed on various sections of the website.

IOBA will not contact you about other matters, unless you specifically request it, nor will we share, rent, or sell your personally identifiable information outside IOBA, except where we are required to share your information with any third parties who provide services on our behalf.

IOBA may be forced to disclose personally identifiable information in response to legal process or when IOBA believes in good faith that the law requires it, for example, in response to a court order, subpoena, or a law enforcement agency's request.

If you choose to correspond further with the company via email, IOBA may retain the content of your email messages together with your email address and the company’s response.

IOBA cannot guarantee the privacy of personal information you transmit over the web or that may be collectable in transit by others, including contractors who provide services to IOBA.

Collection of information by third-party sites:

With the intention of making this website more useful and convenient, IOBA has provided hyperlinks to third party websites that contain further information of interest. Please be aware that when you follow these links to visit third party sites, the privacy policies of these other sites (and not that of this IOBA website) will apply to any information you choose to disclose to those websites.

Notwithstanding the foregoing, this website is hosted by Wix, and any use of the website shall also be subject to, and you consent to, Wix’s Terms of Use, Cookie Policy, Privacy Policy, and any and all other policies applicable to visitors of websites hosted by Wix.


The IOBA website uses cookies. A cookie is a text-only string of information that a website transfers to the cookie file of the browser on your computer's hard disk so that the website can remember who you are. A cookie will typically contain the name of the domain from which the cookie has come, the "lifetime" of the cookie, and a value, usually a randomly generated unique number. This helps IOBA provide you with a good experience when you browse the website and also allows IOBA to improve the website and services. By using the website, you expressly agree and consent to the use of cookies.

Google Analytics is Google’s free web analytics tool that helps us to understand how our visitors engage with our website. Google Analytics collects information anonymously and it reports website trends without identifying individual visitors. Analytics uses its own set of cookies to track visitor interactions. These cookies are used to store information, such as what time the current visit occurred, whether the visitor has been to the site before, and what site referred the visitor to the web page. Google Analytics customers can view a variety of reports about how visitors interact with their website so they can improve their website and how people find it. To disable this type of cookie, some browsers will indicate when a cookie is being sent and allow you to decline cookies on a case-by-case basis. In addition to declining cookies, you can also install the Google Analytics Opt-out Add-on in your browser, which prevents Google Analytics from collecting information about your website visits. You can opt out by clicking here.

IOBA may use cookies including in the following ways:

Where they are essential to make the website work

To enable the personalization features on the website (which give you the ability to recall recently viewed pages and see information which you have input on line)

To compile anonymous, aggregated statistics that allow IOBA to understand how users use the website and to help improve the structure of the website. IOBA cannot identify you personally in this way.

Disabling/enabling cookies

You have the ability to accept or decline cookies by modifying the settings in your browser. However, you may not be able to use all the interactive features of the website if cookies are disabled.

Our commitment to security

We employ security measures to prevent unauthorized access to information that we collect online. However, we cannot guarantee the security of your personal information. Since any personally identifiable information you provide IOBA through this website is entirely voluntary on your part, you should take care to limit your website disclosures to information that is not highly sensitive or valuable to you.

How to contact us

If you have any questions or concerns about the privacy policy for IOBA, or its implementation, you may contact us at

Legal basis for processing Personal Information (EEA visitors only)

If you are a visitor/client located in the European Economic Area ("EEA"), our legal basis for collecting and using the personal information described above will depend on the personal information concerned and the specific context in which we collect it. However, we will normally collect personal information from you only where we have your consent to do so, where we need the personal information to perform a contract with you, or where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms. In some cases, we may also have a legal obligation to collect personal information from you. If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory or not (as well as of the possible consequences if you do not provide your personal information). Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), we will make clear to you at the relevant time what those legitimate interests are.  At any time, visitors/customers in the EEA can request to view and/or remove any Personal Information. IOBA will abide by any lawful requests made, by emailing If you have any questions about this GDPR Privacy Policy or our treatment of the information you provide us, please write to us by email at

Changes in this Privacy Statement:
If we decide to change our privacy policy, we will post those changes to this privacy statement, the home page, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.


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