Privacy Policy | Michael Ryan Money | Data Use & Rights
Privacy Policy
Effective Date: October 28, 2022 | Last Updated: April 11, 2025
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.
12. 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...
...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 National Advertising Initiative opt out page. You may also visit Digital Advertising Alliance website and Network Advertising Initiative website to learn more information about interest-based advertising. You may download the AppChoices app at Digital Advertising Alliance’s 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.
Additional Information on Cookie Use and Opt-Out Options
To give you greater control over the data collected for advertising purposes, we provide the following options:
- Opt-Out Links provided above.
- For a detailed explanation of the types of cookies used on our website, their purposes, and their durations, please review our Cookie Policy.
If you wish to withdraw your consent for cookies at any time, please refer to the guidance in our Cookie Policy or use your browser's settings to disable cookies. Note that disabling cookies may affect your experience on our site.
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:
Go to Contact Page