Privacy Policy

1. Introduction

These Terms & Conditions (the "Terms") set out the legal terms on which IronMarket provides financial services to you (the "Client"). By instructing us or by continuing to receive services from us, you agree to these Terms.

If there is any conflict between these Terms and a specific written agreement signed by both parties (for example a separate Client Agreement or Fee Schedule), the specific written agreement will prevail to the extent of the inconsistency.

2. Definitions

• Advice means financial advice, investment recommendations, planning guidance or similar advice provided by IronMarket.
• Services means any wealth management, investment management, pension advice, insurance broking, risk management, financial planning or related services we provide now or in the future.
• Fee Schedule means the fees, charges and payment terms set out in a separate document, provided to you when we commence services and updated from time to time.

3. Scope of Services

We will provide the Services agreed in writing between you and IronMarket. The precise scope, objectives, and any specific deliverables will be set out in a Client Engagement Letter or separate agreement.

We may, with your consent, arrange products or services from third‑party providers on your behalf, acting as your agent unless otherwise agreed. We do not guarantee outcomes. Any performance examples are illustrative and not a promise of results.

4. Client Representations & Responsibilities

• You warrant that information you provide is complete, accurate and not misleading, and you agree to update us promptly if any material information changes.
• You will provide documentation and cooperation we reasonably request (including identity verification and compliance information).
• You remain responsible for decisions about your finances and for instructing us to act where applicable.

5. Fees, Charges & Payment

• Our fees are set out in your Fee Schedule and may be fixed, hourly, percentage-based, commission, or a combination.
• Where we receive commission from product providers, we will disclose material remuneration in accordance with FCA rules.
• Fees are payable in GBP unless stated otherwise; we may suspend services if fees are overdue.

6. Risk Disclosure & Investment Warnings

• Investments carry risk. Values can fall as well as rise; you may not get back the amount invested.
• Past performance is not a reliable indicator of future results. Projections or illustrations are estimates.
• Suitability depends on information you provide; withholding or misrepresenting material facts affects suitability.

7. Conflicts of Interest

We maintain policies to identify and manage conflicts of interest. Where a conflict cannot reasonably be avoided, we will disclose it to you and, where appropriate, seek your consent. Our advisers may receive referral fees, commissions or non‑monetary benefits; details of material interests are available upon request or as required by regulation.

8. Data Protection & Confidentiality

We process personal data in accordance with applicable data protection laws (including the UK GDPR). Our Privacy Notice explains what personal data we collect, why we process it, your rights and how to exercise them. We will keep your information confidential except where disclosure is required by law, regulation, a court order, or where you have given consent. We may share your data with trusted third‑party service providers to deliver the Services, and we require them to keep data secure and to use it only for permitted purposes.

9. Liability & Indemnity

• Nothing in these Terms limits or excludes liability for death or personal injury resulting from negligence or for fraud.
• Subject to the foregoing, our liability is limited to direct losses and shall not exceed the greater of the total fees you paid in the previous 12 months or £5,000 unless agreed otherwise in writing.
• We are not liable for indirect, special, or consequential loss (including loss of profit, business interruption or depletion of goodwill) except to the extent such liability cannot be excluded by law.

10. Complaints

If you wish to make a complaint, contact our Compliance Officer at the details below. We will acknowledge and investigate promptly in accordance with our complaints procedure. If we cannot resolve your complaint, you may be entitled to refer it to the Financial Ombudsman Service (FOS); details will be provided with our final response.

11. Termination

Either party may terminate by written notice as set out in your Client Engagement Letter or Fee Schedule. If no notice period is specified, reasonable written notice (generally 30 days) is required. On termination you remain liable for fees and expenses incurred up to the date of termination. We may terminate immediately for material breach, insolvency, or where continuation would breach applicable law or regulation.

12. Intellectual Property

All intellectual property rights in materials, reports or tools we provide remain our property (or that of our licensors), unless otherwise agreed in writing. You may use our materials for personal or internal business purposes only and must not reproduce, distribute or publish them without prior written consent.

13. Third‑Party Providers & Client Money

Where a third‑party product or custodian holds assets on your behalf, your relationship with that third party is governed by its terms. We are not authorised to hold client money unless expressly stated in writing; where we do, we comply with applicable FCA rules.

14. Communications & Notices

We communicate by email, post, telephone or other agreed secure channels. Electronic communications may be subject to interception or delay; where security is important, let us know to arrange secure transmission. Notices must be in writing and delivered to the addresses specified in your engagement or to our registered office.

15. Amendments

We may update these Terms from time to time to reflect changes in law, regulation or our business. We will give you reasonable notice of material changes. Continuing to instruct us after notice constitutes acceptance of the updated Terms.

16. Governing Law & Jurisdiction

These Terms are governed by and construed in accordance with the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction to settle disputes arising out of or in connection with these Terms.

17. General Provisions

• If any provision is held to be invalid, illegal or unenforceable, the remaining provisions continue in full force.
• No failure or delay in exercising a right shall operate as a waiver of that right.

18. Contact Details