Terms of Service

Last updated: 15th January 2026

These Terms of Service ("Terms") govern your use of the IronMeadow AG website and financial planning services. By accessing our website or engaging our services, you agree to be bound by these Terms and our Privacy Policy.

Acceptance of Terms

By accessing and using the IronMeadow website (ironmeadow.world) or engaging our financial planning services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, you must not use our website or services. Your continued use of our services constitutes acceptance of any modifications to these terms.

Company Information

IronMeadow AG is a financial planning company registered in Germany with registration number HRB612386. Our registered office is located at Bahnhofstraße 92, 10515 Berlin, Germany. We are authorised to provide financial advisory services in accordance with German financial services regulations.

Services Description

IronMeadow provides age-specific financial planning services including but not limited to:

• Personal financial planning and strategy development
• Investment advice and portfolio management
• Retirement planning and pension optimisation
• Tax planning and optimisation strategies
• Insurance review and recommendations
• Estate planning guidance

All services are provided in accordance with German financial services law and regulations. Service availability may vary based on individual circumstances and regulatory requirements.

User Obligations

When using our website and services, you agree to:

• Provide accurate, complete, and truthful information about your financial situation
• Use our services only for lawful purposes and in accordance with these Terms
• Maintain the confidentiality of any login credentials or account information
• Promptly notify us of any changes to your personal or financial circumstances
• Comply with all applicable laws and regulations
• Not interfere with or disrupt our website or services
• Not attempt to gain unauthorised access to our systems or data

Financial Advice Disclaimer

Our financial planning services are provided for informational and advisory purposes. All investment decisions remain your responsibility. Past performance does not guarantee future results. The value of investments may go down as well as up, and you may receive back less than you invested. We recommend that you carefully consider your financial objectives and risk tolerance before making investment decisions.

Fees and Payment

Fees for our services are clearly communicated before engagement and may include consultation fees, planning fees, and ongoing management fees. Payment terms will be specified in your service agreement. All fees are exclusive of applicable taxes unless otherwise stated. We reserve the right to modify our fee structure with appropriate notice to existing clients.

Intellectual Property

All content on the IronMeadow website, including text, graphics, logos, images, software, and other materials, is the property of IronMeadow AG or its licensors and is protected by German and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these Terms. By using our services, you consent to the collection and use of your information as described in our Privacy Policy and in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR).

Limitation of Liability

To the maximum extent permitted by German law, IronMeadow AG shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or relating to your use of our website or services. Our total liability for any claims arising from our services shall not exceed the fees paid by you for the specific service giving rise to the claim. This limitation applies regardless of the legal theory on which the claim is based.

Indemnification

You agree to indemnify, defend, and hold harmless IronMeadow AG, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses arising out of or relating to your use of our services, your violation of these Terms, or your violation of any rights of another party.

Termination

Either party may terminate the service relationship at any time with written notice. IronMeadow reserves the right to suspend or terminate your access to our website or services immediately if you violate these Terms or engage in conduct that we determine to be harmful to our business or other users. Upon termination, your right to use our services will cease immediately, though certain provisions of these Terms will survive termination.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the Federal Republic of Germany. Any disputes arising from or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the courts of Berlin, Germany. If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Regulatory Compliance

IronMeadow operates in compliance with German financial services regulations. Our services are subject to oversight by relevant German regulatory authorities. We maintain professional indemnity insurance and adhere to industry standards for financial advisory services.

Website Availability

While we strive to maintain continuous availability of our website, we do not guarantee that it will be available at all times. We reserve the right to suspend or restrict access to our website for maintenance, updates, or other operational reasons. We shall not be liable for any inconvenience or loss resulting from website unavailability.

Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Material changes will be communicated to existing clients through email or prominent notice on our website. Your continued use of our services after such modifications constitutes acceptance of the updated Terms. We recommend reviewing these Terms periodically to stay informed of any changes.

Contact Information

If you have questions about these Terms of Service, please contact us:

Severability

If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be struck and the remaining provisions shall remain in full force and effect. The invalid provision shall be replaced with a valid provision that most closely approximates the intent of the original provision.

Entire Agreement

These Terms of Service, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and IronMeadow AG regarding your use of our website and services. These Terms supersede all prior or contemporaneous communications and proposals between the parties.

These Terms of Service are governed by German law and comply with applicable regulations for financial services providers in the Federal Republic of Germany.