Terms of Service

1. Acceptance of Terms

By accessing or using our website and services, you agree to be bound by these Terms of Service, our Privacy Policy, and any other legal notices or conditions posted on our website. If you do not agree with any part of these terms, you must discontinue use of our services immediately.

2. Services Provided

Ironclad Financial offers comprehensive financial planning and investment management services as a Registered Investment Advisor (RIA). Our services include, but are not limited to, financial advisory, investment strategy, and portfolio management. Detailed descriptions of our services are available on our website and in the relevant agreements, including our Form ADV, which is filed with the U.S. Securities and Exchange Commission (SEC).

3. Fiduciary Duty

As a Registered Investment Advisor (RIA), Ironclad Financial adheres to a fiduciary standard, meaning we are legally and ethically obligated to act in your best interests at all times. Our recommendations are based solely on your financial objectives and risk tolerance.

4. User Responsibilities

  • Provide accurate and up-to-date information as required for our services.
  • Maintain the confidentiality of your account and login details.
  • Promptly notify us of any unauthorized use or security breaches related to your account.
  • Review all communications from Ironclad Financial and inform us if you do not understand or agree with any information provided.

5. Limitation of Liability

Ironclad Financial will not be liable for any damages arising from the use of our website or services, including but not limited to direct, indirect, incidental, special, or consequential damages. This limitation of liability extends to any loss of data, financial loss, or any other loss incurred as a result of using our services.

6. Intellectual Property Rights

All content on this website, including text, graphics, logos, and images, is the property of Ironclad Financial or its licensors and is protected by intellectual property laws. You may not use, reproduce, or distribute any content from this website without our express written consent.

7. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the state in which Ironclad Financial is registered, without regard to its conflict of law principles. Any disputes arising under these terms shall be resolved in the courts of that jurisdiction.

8. Dispute Resolution

Any disputes or claims arising out of or relating to these Terms of Service or the services provided shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in the state in which Ironclad Financial is registered.

9. Account Termination

Ironclad Financial reserves the right to suspend or terminate your account at its discretion, particularly in cases of suspected misuse or violation of these Terms of Service. Upon termination, you will no longer have access to the services or information associated with your account.

10. User Conduct

You agree to use our services in accordance with these Terms and applicable laws. Prohibited activities include but are not limited to: illegal actions, harassment, spamming, or any activities that disrupt the operation of our services. As a user, you also agree to comply with all applicable regulatory requirements, including those related to the Securities and Exchange Commission (SEC), Financial Industry Regulatory Authority (FINRA), and other relevant regulatory bodies.

11. Third-Party Services

Our website may contain links to third-party websites or services. We do not endorse and are not responsible for the content or practices of these third parties. Your use of third-party services is at your own risk and subject to their terms and conditions.

12. Data Protection and Privacy

We are committed to protecting your data. Please refer to our Privacy Policy for detailed information on how we collect, use, and protect your personal information. As a Registered Investment Advisor, we comply with all applicable privacy laws, including the Gramm-Leach-Bliley Act (GLBA) and the California Consumer Privacy Act (CCPA).

13. Disclaimer of Warranties

Our services and website are provided "as is" without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability or fitness for a particular purpose. While we strive to provide accurate and up-to-date information, we do not guarantee the accuracy, completeness, or reliability of any content on our website.

14. Indemnification

You agree to indemnify and hold harmless Ironclad Financial, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses arising out of your use of our services or violation of these Terms of Service.

15. Service Availability

We strive to provide uninterrupted access to our services. However, we cannot guarantee that our services will be available at all times or that there will be no interruptions or errors. Maintenance, updates, and technical issues may affect availability.

16. Professional Standards

As a Certified Financial Planner™ (CFP®) and Registered Investment Advisor (RIA), Ironclad Financial adheres to the Code of Ethics and Standards of Conduct established by the CFP Board. We are committed to providing services that meet the highest standards of integrity, competence, and diligence.

17. Changes to Terms

We reserve the right to amend these Terms of Service at our discretion. Changes will be reflected on this page, and your continued use of our services following such modifications will constitute your acceptance of the revised terms. We will notify you of significant changes via email or through a notice on our website.

18. Contact Information

For any inquiries or concerns regarding these Terms of Service, please reach out to us via email:
Email: admin@ironclad.financial

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Ironclad Financial LLC is a state-registered investment adviser (CRD #321831), authorized to operate in jurisdictions where registered or exempt from registration. The content on this website and our social media channels is for informational purposes only and does not constitute financial, tax, legal, or professional advice. It is not an offer or solicitation to buy or sell any specific securities, investments, or strategies.
Investing involves risks, including the potential loss of principal. The value of investments can fluctuate, and past performance is not indicative of future results. We make no warranties regarding the completeness, accuracy, or timeliness of the content. Consult with a qualified financial advisor and/or tax professional before making any investment decisions.
Ironclad Financial LLC does not guarantee investment performance or outcomes. No information on this site constitutes a recommendation or endorsement of any particular investment or strategy. The opinions expressed are those of the author and are subject to change without notice.
Nothing on this website or our social media channels constitutes a solicitation, recommendation, or offer by Ironclad Financial LLC or any third party to buy or sell securities or financial instruments where such solicitation would be unlawful under applicable laws.
CERTIFIED FINANCIAL PLANNER™ and CFP® marks are trademarks owned by the Certified Financial Planner Board of Standards Inc. and are used with permission. Their use does not imply any endorsement or guarantee of the content provided.
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