Cookie Policy
Effective: October 28, 2022 | Last Updated: March 11, 2026
1. What Are Cookies?
Cookies are small text files stored on your device when you visit a website. They are essential for site performance, security, and helping us understand how our financial strategies are helping our readers.
By using https://michaelryanmoney.com, you agree to our use of cookies as described in this policy.
2. How We Use Cookies
We use cookies for the following primary purposes:
- Essential: Protecting site security and managing user sessions. These cookies are required for the site to function and cannot be disabled.
- Analytics (Google Analytics 4): We use GA4 to monitor traffic patterns and improve content quality. We have configured GA4 with IP anonymization where available. See Google's Privacy Policy and the GA4 opt-out browser add-on .
- Advertising (Mediavine): We work with Mediavine to display high-quality programmatic advertisements that support our free content library. Full details in Section 7.
4. Legal Basis for Processing (GDPR)
Under GDPR Article 6 and the ePrivacy Directive, we process cookie data on the following legal bases:
- Functional Cookies: Legitimate Interest (Art. 6(1)(f)) — strictly necessary for site operation and security.
- Analytics Cookies: Consent (Art. 6(1)(a)) — only set after you accept via our consent banner.
- Advertising Cookies: Consent (Art. 6(1)(a)) — only set after you accept via our consent banner.
5. Managing Your Preferences
You have full control over non-essential cookies. Use the button below to update your consent choices at any time, or manage cookies directly through your browser settings.
Browser-Specific Cookie Controls
6. Opt-Out of Targeted Advertising
For broader control over interest-based advertising across networks, use these industry opt-out tools:
Important: Opting out means you will still see advertisements, but they will not be personalized based on your browsing history.
7. Mediavine Programmatic Advertising (Ver 1.1)
The Website works with Mediavine to manage third-party interest-based advertising appearing on the Website. Mediavine serves content and advertisements when you visit the Website, which may use first and third-party cookies. A cookie is a small text file which is sent to your computer or mobile device (referred to in this policy as a "device") by the web server so that a website can remember some information about your browsing activity on the Website.
First party cookies are created by the website that you are visiting. A third-party cookie is frequently used in behavioral advertising and analytics and is created by a domain other than the website you are visiting. Third-party cookies, tags, pixels, beacons and other similar technologies (collectively, "Tags") may be placed on the Website to monitor interaction with advertising content and to target and optimize advertising. Each internet browser has functionality so that you can block both first and third-party cookies and clear your browser's cache. The "help" feature of the menu bar on most browsers will tell you how to stop accepting new cookies, how to receive notification of new cookies, how to disable existing cookies and how to clear your browser's cache. For more information about cookies and how to disable them, you can consult the information at All About Cookies .
Without cookies you may not be able to take full advantage of the Website content and features. Please note that rejecting cookies does not mean that you will no longer see ads when you visit our Site. In the event you opt-out, you will still see non-personalized advertisements on the Website.
The Website collects the following data using a cookie when serving personalized ads:
- IP Address
- Operating System type
- Operating System version
- Device Type
- Language of the website
- Web browser type
- Email (in hashed form)
Mediavine Partners (companies listed below with whom Mediavine shares data) may also use this data to link to other end user information the partner has independently collected to deliver targeted advertisements. Mediavine Partners may also separately collect data about end users from other sources, such as advertising IDs or pixels, and link that data to data collected from Mediavine publishers in order to provide interest-based advertising across your online experience, including devices, browsers and apps. This data includes usage data, cookie information, device information, information about interactions between users and advertisements and websites, geolocation data, traffic data, and information about a visitor's referral source to a particular website. Mediavine Partners may also create unique IDs to create audience segments, which are used to provide targeted advertising.
If you would like more information about this practice and to know your choices to opt-in or opt-out of this data collection, please visit the NAI opt-out page , the DAA opt-out page , or download the AppChoices app to opt out in connection with mobile apps, or use the platform controls on your mobile device to opt out.
For specific information about Mediavine Partners, the data each collects and their data collection and privacy policies, please visit Mediavine Partners .
8. Contact Us
For questions about our use of cookies or to exercise your privacy rights:
Email:
michael@michaelryanmoney.com
Contact Form:
michaelryanmoney.com/contact/
For full details on how we handle personal data, see our Privacy Policy.
