1. Introduction

Welcome to Michael Ryan Money. We are committed to full transparency regarding the relationships and compensation structures that help fund our work. This disclosure is designed to comply with the Federal Trade Commission (FTC) guidelines and Amazon’s program requirements, ensuring that our readers understand how and when we may earn commissions or compensation.

Affiliate links and advertising relationships never influence our editorial integrity. We only recommend products and services we genuinely believe provide value to our readers.

2. Amazon Associates Disclosure

Michael Ryan Money is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

When you click an Amazon affiliate link on this site and make a purchase, we may receive a small commission at no additional cost to you. This disclosure appears on every page containing Amazon affiliate links, as required by Amazon and the FTC.

For full details, see the Amazon Associates Program Operating Agreement .

3. Other Affiliate Programs

In addition to Amazon, Michael Ryan Money participates in the following affiliate advertising programs:

• FlexOffers — an affiliate network providing links to financial products and services.
• Additional Networks — we may periodically partner with other affiliate programs. This page will be updated when new material relationships are established.

For all affiliate relationships, we may earn a commission if you click on a link or make a purchase. This occurs at no additional cost to you. These commissions help support the website and allow us to continue offering free financial education content.

Important: Individual posts and pages containing affiliate links include a clear disclosure statement at the top of that content, as required by FTC guidelines. A disclosure page alone does not satisfy this requirement.

5. Sponsored Content

Occasionally, Michael Ryan Money may publish sponsored content. When a post or page is sponsored, this will be clearly labeled at the top of that content using language such as “Sponsored,” “Paid Partnership,” or “Advertisement.”

Sponsored content is held to the same editorial standards as organic content. We do not publish sponsored content that conflicts with our commitment to honest, unbiased financial education.

Any product pricing or availability information sourced from affiliate partners via APIs or data feeds is accurate as of the date indicated. Prices and availability are subject to change at any time without notice.

6. AI-Assisted Content Disclosure

As part of our transparency practices, Michael Ryan Money discloses the following about AI-assisted content and tools:

• AI Writing Assistance: Some content on this site may be drafted or edited with the assistance of AI writing tools. All AI-assisted content is reviewed, verified, and approved by Michael Ryan before publication.
• Money Assistant: Our site features an AI-powered assistant that provides general financial education responses. It is powered by third-party AI APIs and does not provide personalized financial advice.
• Editorial Responsibility: Regardless of the tools used in content creation, Michael Ryan Money takes full editorial responsibility for all published content.

7. Legal & Compliance

No Misrepresentation

We do not misrepresent or embellish our relationship with any affiliate program. We do not imply that we are supported, endorsed, or sponsored by any affiliate partner beyond what is expressly stated in this disclosure.

Link Transparency

We use link management tools to organize and track affiliate links on this site. These tools may create redirect URLs but are never used to disguise or misrepresent the nature of affiliate links. All affiliate relationships are disclosed clearly on every page where they appear, as required by FTC guidelines.

Privacy & Data

For information about cookies, personal data collection, and your privacy rights under applicable law, please review our Privacy Policy and Cookie Policy .

Intellectual Property

All content on Michael Ryan Money is the property of Michael Ryan Money and is protected by copyright and applicable intellectual property laws. Unauthorized reproduction, distribution, or use of this content is strictly prohibited.

Liability Limitation

Michael Ryan Money, its owner, and affiliated parties assume no liability for any direct, indirect, incidental, or consequential damages arising from your use of this site or reliance on any affiliate links or sponsored content.

Program Compliance

We agree to abide by the terms and conditions of all affiliate programs in which we participate, including the Amazon Associates Program Operating Agreement and all applicable FTC regulations.

8. Financial Disclaimer

9. Updates & Contact

We reserve the right to update this disclosure at any time. Changes will be reflected by updating the Last Updated date at the top of this page. We recommend reviewing this page periodically.

For questions about this disclosure or our affiliate relationships:

Email: michael@michaelryanmoney.com
Contact Form: michaelryanmoney.com/contact/