Privacy Policy

At Michael Ryan Money, we value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and share your data when you visit our website (https://www.MichaelRyanMoney.com) or use our services. By using our site, you agree to our collection and use of your information as described below. We strive to comply with applicable privacy laws, including those in the United States, the European Union (GDPR), and California (CCPA).

1. Who We Are

Michael Ryan Money is an educational website offering personal insights and financial analyses. Please note that the content on this site reflects personal opinions and is not intended as financial or investment advice. For financial disclaimers and investment advice clarifications, please refer to our separate Disclaimer/Terms of Use page.

2. The Information We Collect

We may collect the following types of information:

Personal Data

When you subscribe to our newsletter, create an account, or download resources, we collect information such as:

• Email address
• First and last name
• Any other information you voluntarily provide

Usage Data

We automatically collect data about your visit, including:

• Your IP address
• Browser type and version
• Pages visited and time spent on our website
• Device type and unique identifiers
• Other diagnostic data from cookies and tracking technologies

Data from Third-Party Services

If you log in using third-party services (like Google, Facebook, Twitter, or LinkedIn), we may receive information such as your name, email address, and profile details provided by those services.

3. How We Use Your Information

We use your data for purposes including:

• Providing, maintaining, and improving our website and services
• Managing your account and communications (such as newsletters and updates)
• Analyzing site usage trends and user behavior
• Facilitating affiliate partnerships (e.g., Amazon, Mediavine, FlexOffers)
• Complying with legal obligations and resolving disputes

4. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience and analyze site performance. These include necessary cookies, functionality cookies, and tracking cookies managed by third-party partners (like Mediavine, which provides consent solutions where required).

For detailed information, please review our Cookie Policy.

5. Third-Party Service Providers

We share your personal data with trusted third-party providers who assist us with services such as email delivery, site analytics, and serving personalized ads (including Mediavine, Google AdSense, FlexOffers, Amazon Affiliate programs).

These providers only process data on our behalf and are required to safeguard your information.

Specifically, we work with Mediavine to manage third-party interest-based advertising. More details on their practices are provided below.

6. Data Transfers and Storage

Your personal information is processed at our operating offices and may be stored on servers located outside your jurisdiction. By using our website, you consent to this transfer. We take reasonable steps to ensure that your data is treated securely in accordance with this Privacy Policy.

7. Your Rights (GDPR, CCPA, etc.)

Depending on your location, you may have rights regarding your personal data, including accessing, correcting, deleting, or restricting its processing. You can also manage opt-out preferences for emails and tracking.

To exercise these rights, please contact us via our Contact Page.

California Residents

In accordance with the CCPA, California residents have specific rights regarding their data. We honor these rights, which can be exercised via our third-party platforms or by contacting us directly.

8. Data Security and Breach Response

We use commercially reasonable measures to protect your personal data. However, no system is 100% secure. In the event of a data breach, we will take prompt action, including notifying affected users as required by law.

9. Data Retention

We retain your personal data only as long as needed for the purposes outlined here, to comply with legal obligations, or resolve disputes. Usage data is generally kept for shorter periods unless needed for security or service improvements.

10. Links to Other Websites

Our website may link to external sites not operated by us. We are not responsible for their privacy practices and encourage you to review their policies.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be noted by the “Last updated” date at the top. We recommend reviewing this page regularly.

13. Contact Us

If you have any questions or concerns regarding this Privacy Policy or our data practices, please reach out via our dedicated Contact Page: