Affiliate Disclosure

Affiliate Link Disclosure

Effective Date: October 28, 2022
Last Updated: April 11, 2025

Disclosures

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

1. Affiliate Relationships & Disclosures

Amazon Affiliate Disclosure

As required by Amazon and the FTC, please note that:
“As an Amazon Associate I earn from qualifying purchases.”

This means that if you click on an Amazon affiliate link and make a purchase, I may receive a commission at no extra cost to you. This statement should appear on each page that contains Amazon affiliate links, and it should be clear and conspicuous. For more detailed guidance, please review the Amazon Associates Program Operating Agreement.

Other Affiliate Partnerships

In addition to Amazon, Michael Ryan Money participates in various affiliate advertising programs, including but not limited to:

  • Mediavine – for ad serving and interest-based advertising.
  • Google AdSense – for display advertising.
  • FlexOffers and Other Networks – which may provide additional affiliate links or sponsorship opportunities.

For these programs, we may earn a commission if you click on affiliate links or make purchases through them. These earnings help support the website and allow us to offer high-quality, free content. We only promote products or services that we believe will add value for our readers.

2. Advertising, Sponsored Content, and Third-Party Disclosures

  • Display Ads:
    Our site also serves ads through networks like Mediavine and Google AdSense. These networks may use cookies and tracking technologies to display ads tailored to your interests.
  • Sponsored Content:
    Occasionally, we publish sponsored content. When content is sponsored, this will be clearly indicated. We ensure that sponsored content is presented in a manner that is honest, unbiased, and clearly labeled.
  • Third-Party Content:
    Any product or pricing information provided through our affiliate links is sourced directly from Amazon or the respective affiliate partners via APIs or data feeds. We are responsible for ensuring that such information is accurate as of the date/time indicated. However, please note that prices and product availability are subject to change at any time.

3. Additional Legal Requirements & Responsibilities

  • No Misrepresentation:
    We will 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, including Amazon, beyond what is expressly stated.
  • Link Integrity:
    You must be aware that we do not use link shorteners to disguise affiliate links. All affiliate links are presented transparently.
  • User Privacy & Data:
    As part of our legal obligations, we maintain a separate Privacy Policy that explains what information we collect, how we use it, and how third parties (including Amazon and other advertisers) may utilize cookies and tracking technologies. This disclosure is provided in accordance with applicable laws, including the GDPR and CCPA.
  • Intellectual Property and Content Use:
    All content on this site is the property of Michael Ryan Money and is protected by copyright and other intellectual property laws. Unauthorized reproduction, distribution, or use of this content is strictly prohibited.
  • Disclaimers:
    The information provided on Michael Ryan Money is for educational and informational purposes only. I am a retired financial planner, and nothing on this site should be interpreted as personal financial, investment, tax, or insurance advice. You should consult with a licensed professional before making any financial decisions.
  • Liability Limitations:
    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.
  • Compliance with Rules:
    In participating in the Amazon Associates Program and other affiliate programs, we agree to abide by the terms outlined by these programs. Failure to comply with these terms may result in removal from the program and loss of earnings.

4. Updates and Contact Information

We reserve the right to update this Affiliate Disclosure at any time. Any changes will be noted by updating the “Last Updated” date at the top of this page. We recommend that you review this page periodically to stay informed about our practices.

If you have any questions about this disclosure or our affiliate relationships, please contact us at: