Terms of Service

Ironclad Capital LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC CRD #3281947). We provide discretionary and non-discretionary investment advisory services through structured investment plans that allocate client capital across fixed-income instruments, multi-asset portfolios, and quantitative trading strategies.

Our four investment tiers — Conservative, Balanced, Growth, and Institutional — represent fixed-term structured products with defined return targets and maturity dates. Each plan involves the allocation of your capital into professionally managed investment strategies.

We are a member of the Financial Industry Regulatory Authority (FINRA CRD #3281947) and a member of the Securities Investor Protection Corporation (SIPC), which provides protection for client accounts up to $500,000, including up to $250,000 for cash.

To open an account and use our services, you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction)
• Have the legal capacity to enter into a binding agreement
• Not be a resident of a jurisdiction where our services are prohibited
• Successfully complete our KYC (Know Your Customer) identity verification process
• Not be listed on any government sanctions list, including OFAC Specially Designated Nationals
• Provide accurate, complete, and current information during registration

We reserve the right to refuse service to any individual or entity at our sole discretion and in accordance with our AML/KYC compliance obligations.

When you create an account, you agree to:

• Provide accurate, current, and complete registration information
• Maintain the security and confidentiality of your account credentials
• Notify us immediately of any unauthorized access to your account
• Be solely responsible for all activity that occurs under your account
• Not share your account credentials with any third party

We implement industry-standard security measures including 256-bit encryption and session-based authentication. However, you are responsible for maintaining the security of your own devices and access credentials.

Target Returns: The returns stated for each investment plan represent target rates based on historical strategy performance and are not guaranteed. All investment returns are subject to market risk, and actual results may differ materially from targeted returns.

Capital Risk: All investments involve risk, including the possible loss of principal. The value of investments can decrease as well as increase. You should not invest funds you cannot afford to lose.

Term and Maturity: Each investment plan has a defined term. Your principal and accrued returns are returned at maturity unless you have elected to reinvest. Early termination may result in reduced returns or penalties.

No Guarantee: Past performance of any investment strategy, plan, or fund does not guarantee future results. Market conditions, regulatory changes, and other factors can adversely affect performance.

Accepted Methods: We currently accept deposits in Bitcoin (BTC), Ethereum (ETH), Tether USD (USDT), and Solana (SOL) via their respective blockchain networks. It is your responsibility to send funds on the correct network.

Minimum Deposits: Minimum deposit amounts vary by investment plan as disclosed on our Plans page. We reserve the right to modify minimum deposit requirements with reasonable notice.

Withdrawal Processing: Withdrawal requests are subject to identity verification and AML review. Processing times vary by cryptocurrency network and typically range from 30 minutes to 48 hours. A network fee of 1.5% applies to all withdrawals.

Withdrawal Restrictions: We may delay or reject withdrawals if: (a) we suspect fraudulent activity; (b) we are required to do so by law or regulatory authority; (c) your identity cannot be verified; or (d) doing so would violate our AML program.

Our fee structure is as follows:

• Management Fee: Our management fees are embedded in the net returns presented for each investment plan. There are no additional hidden advisory fees.
• Withdrawal Fee: A 1.5% network processing fee is applied to all withdrawal transactions.
• Early Termination: Early withdrawal of invested capital before plan maturity may incur penalties as specified in your investment agreement.

We reserve the right to modify our fee structure with at least 30 days' written notice to affected clients.

Ironclad Capital LLC maintains a comprehensive AML/KYC compliance program in accordance with the Bank Secrecy Act (BSA), the USA PATRIOT Act, and applicable FINRA and FinCEN requirements. By using our services, you agree to:

• Provide accurate identity documentation as requested for KYC verification
• Certify that all funds deposited are from legitimate sources
• Permit us to conduct ongoing due diligence on your account activity
• Report suspicious activity as required by law

We are required by law to report certain transactions and suspicious activity to FinCEN and other regulatory authorities. We may freeze or terminate accounts suspected of involvement in money laundering, terrorist financing, or other illegal activities without prior notice.

You agree not to use our services for any of the following purposes:

• Money laundering, terrorist financing, or any other illegal financial activity
• Violation of any applicable law, regulation, or court order
• Providing false, misleading, or fraudulent information
• Unauthorized access to or interference with our systems
• Any activity that violates the rights of third parties
• Circumventing our KYC/AML controls or security measures

Violation of these prohibitions may result in immediate account termination, forfeiture of funds, and referral to law enforcement authorities.

IMPORTANT: PLEASE READ CAREFULLY

• All investments involve risk, including possible loss of your entire principal
• Past performance does not guarantee future results
• Target returns are not guaranteed and may not be achieved
• Cryptocurrency assets are highly volatile and subject to regulatory uncertainty
• The value of investments can decline due to market conditions, economic factors, and other risks beyond our control
• Investment advisory registration does not imply a certain level of skill, training, or guaranteed returns

You should consult with an independent financial, legal, and tax adviser before making investment decisions. Our services are not suitable for all investors. Only invest capital you can afford to lose.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IRONCLAD CAPITAL LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM:

• Investment losses or underperformance relative to targeted returns
• Delays in processing transactions due to blockchain network congestion
• Unauthorized access to your account due to your failure to secure your credentials
• Service interruptions, system failures, or force majeure events
• Actions of third-party service providers, custodians, or exchanges

Our total aggregate liability to you for any claim arising out of or related to these Terms or our services shall not exceed the total amount you have deposited with us in the preceding 12 months.

All content on our website and platform, including text, graphics, logos, software, and data, is the property of Ironclad Capital LLC or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use our platform solely for the purpose of managing your investment account. You may not reproduce, distribute, modify, or create derivative works of our content without our prior written consent.

Any dispute, claim, or controversy arising out of or relating to these Terms or our services shall be resolved by binding arbitration administered by FINRA Dispute Resolution Services in accordance with its arbitration rules. The arbitration shall be conducted in New York, New York, and the award may be entered as a judgment in any court of competent jurisdiction.

You retain the right to file complaints with the SEC (sec.gov), FINRA (finra.org), or your state securities regulator. You can review our regulatory record through FINRA BrokerCheck at brokercheck.finra.org.

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Federal securities laws, including the Investment Advisers Act of 1940 and the Securities Exchange Act of 1934, also govern our relationship.

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on our website and, where required, by direct notification to you. Your continued use of our services after the effective date of any amendments constitutes your acceptance of the revised Terms.

Either party may terminate the investment advisory relationship at any time with written notice. Upon termination:

• Your access to the platform will be suspended
• Any active investment plans will be settled at maturity unless early termination terms apply
• Your available balance will be returned to your designated wallet within 5–10 business days, subject to AML review
• We will retain your records in accordance with applicable regulatory requirements

We may terminate your account immediately without notice if you breach these Terms, violate applicable law, or engage in prohibited activities.