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Terms & Conditions

Effective Date: July 2026

Welcome to Of Iron & Willow. By accessing or using this website, you agree to be bound by these Terms & Conditions. If you do not agree with these terms, please discontinue use of the website.

These Terms & Conditions are intended to create a clear understanding of how this website, its content, and its services may be used.

Website Use

The content provided on this website is for informational and educational purposes only.

By using this website, you agree to:

  • Use the website lawfully and respectfully
  • Not attempt to interfere with the website’s operation or security
  • Not use content from the website in a way that infringes on our rights or the rights of others
  • Not engage in any activity that could damage, disable, or impair the website

We reserve the right to restrict or terminate access to the website at our discretion if these terms are violated.

Intellectual Property

Unless otherwise stated, all content on this website is the property of Of Iron & Willow and is protected by applicable copyright, trademark, and intellectual property laws.

This includes, but is not limited to:

  • Website text and written content
  • Worksheets and resources
  • Coaching materials
  • Logos, branding, graphics, and images
  • Blog posts and articles
  • Downloadable materials

You may:

  • View, download, and print resources for your personal, non-commercial use

You may not:

  • Reproduce, sell, redistribute, or commercially exploit website content without prior written permission
  • Claim ownership of content created by Of Iron & Willow
  • Modify or republish content as your own

Coaching Disclaimer

The information provided on this website and through Of Iron & Willow coaching services is educational and informational in nature.

Coaching is not therapy, counseling, financial advising, legal advising, tax advising, investment advising, medical treatment, or mental health treatment.

While coaching may help individuals gain clarity, develop habits, improve decision-making, and work toward personal or financial goals, no specific outcomes or results can be guaranteed.

You remain solely responsible for your decisions, actions, and results.

Financial Information Disclaimer

Of Iron & Willow provides financial coaching and financial education, not financial advising. Financial coaching focuses on helping clients clarify goals, develop habits, improve financial systems, and make informed decisions.

Financial coaching does not include investment management, securities recommendations, tax preparation, legal advice, or personalized financial advice.

Clients are encouraged to consult licensed financial, legal, tax, accounting, or investment professionals as appropriate for their individual circumstances.

YNAB® Certified Coach Disclosure

I am a YNAB Certified Coach, which means I have completed training through YNAB (You Need A Budget) and have met specific requirements established by YNAB to coach individuals and households in using the YNAB software and applying the YNAB method to their finances.

This certification indicates that I have demonstrated the knowledge and competency required to provide coaching related to YNAB and its budgeting framework.

Although I am a YNAB Certified Coach, I am not an employee, contractor, agent, or representative of YNAB. All opinions, recommendations, educational content, coaching approaches, and materials provided through Of Iron & Willow are my own unless otherwise expressly stated.

Any views, opinions, recommendations, or statements made on this website, in coaching sessions, in newsletters, on social media, or in other content published by Of Iron & Willow do not necessarily reflect the views, opinions, policies, or positions of YNAB, its employees, affiliates, or partners.

References to YNAB software, products, services, or methodologies are provided for educational and coaching purposes only and should not be interpreted as official statements from YNAB.

No Professional Relationship Created

Viewing this website, subscribing to the newsletter, completing a contact form, scheduling a Discovery Call, downloading resources, or communicating through the website does not create a coaching relationship.

A coaching relationship exists only after both parties have entered into a formal coaching agreement.

User Submissions

If you submit information through a contact form, Discovery Call form, email, or other communication method, you represent that:

  • The information is accurate to the best of your knowledge
  • You have the right to provide the information
  • The information does not violate the rights of any third party

You retain ownership of information you provide, but grant Of Iron & Willow permission to review and use that information for the purpose for which it was submitted.

Newsletter Communications

By subscribing to our newsletter, you consent to receive email communications from Of Iron & Willow.

You may unsubscribe at any time using the unsubscribe link included in newsletter emails.

Subscription does not create any obligation to purchase services.

Affiliate Disclosure

This website may contain affiliate links.

If you purchase products or services through an affiliate link, Of Iron & Willow may receive a commission at no additional cost to you.

Affiliate relationships do not influence recommendations. We strive to recommend only resources, tools, and products that we genuinely believe may be helpful.

Please review our Affiliate Policy for additional information.

Third-Party Websites

This website may contain links to third-party websites or services.

Of Iron & Willow is not responsible for the content, privacy practices, availability, accuracy, or policies of third-party websites.

Accessing third-party websites is done at your own risk.

No Warranties

This website and all content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, Of Iron & Willow makes no warranties or representations regarding:

  • The accuracy of website content
  • The reliability of information provided
  • The availability of the website
  • The absence of errors, interruptions, or technical issues

While we strive to provide accurate and helpful information, we do not guarantee that all content will always be complete, accurate, or current.

Limitation of Liability

To the fullest extent permitted by law, Of Iron & Willow and its owner shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

  • Use of this website
  • Reliance on information contained on this website
  • Inability to access the website
  • Use of linked third-party services
  • Decisions made based on website content

Your use of this website is at your own risk.

Indemnification

You agree to indemnify and hold harmless Of Iron & Willow, its owner, contractors, and affiliates from any claims, liabilities, damages, losses, or expenses arising from your violation of these Terms & Conditions or misuse of the website.

Accessibility

Of Iron & Willow strives to make website content accessible and usable for all visitors. If you encounter accessibility barriers, please reach out so that we can work toward addressing them.

Privacy

Your use of this website is also governed by our Privacy Policy. By using this website, you acknowledge that you have reviewed and understood our Privacy Policy.

Changes to These Terms

We reserve the right to modify these Terms & Conditions at any time.

Any updates will be posted on this page with a revised effective date. Continued use of the website after changes are posted constitutes acceptance of those changes.

Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws applicable in the jurisdiction where Of Iron & Willow operates, without regard to conflict of law principles.

Contact Information

If you have any questions regarding these Terms & Conditions, please contact Of Iron & Willow using the contact information provided on this website.

A Human-Friendly Version

At Of Iron & Willow, our goal is simple: provide thoughtful resources, honest coaching, and practical tools that help people build lives aligned with their values.

We want this website to be a place of trust. The content here is intended to educate, support, and inspire—but ultimately, the decisions you make are your own. We encourage you to use what is helpful, leave what isn’t, and seek professional advice when appropriate.

Thank you for being here. We’re honored to be part of your journey.