Privacy Policy

Information you choose to provide

• Email subscriptions: your email address and related signup/consent records when you request our newsletter or another email resource.
• Contact and support: information you include in an email, form submission, correction request, media inquiry, or other message.
• Interactive features: prompts or other information you choose to submit to the Money Assistant or similar tools.

Information collected automatically

Like most websites, the site and its service providers may automatically receive information such as IP address, browser and device type, operating system, referring page, pages viewed, approximate location derived from network information, timestamps, cookie or device identifiers, and interactions with site features or advertising.

Our Cookie Policy explains cookies, analytics, advertising technologies, consent choices, and browser controls in more detail.

We may use information to:

• operate, secure, troubleshoot, and improve the website;
• respond to reader questions, media requests, correction reports, and support inquiries;
• deliver email that a reader requested and maintain subscription or consent records;
• measure readership and understand which pages and tools are useful;
• serve, measure, and where permitted personalize advertising;
• prevent spam, abuse, fraud, and security problems;
• operate optional interactive features; and
• comply with legal obligations and enforce site terms.

Where applicable law requires consent for a particular activity, we rely on the consent choices presented to you. Other processing may be based on legitimate operational interests, fulfilling a request you made, or legal obligations, depending on the context and applicable law.

Our newsletter signup flow uses a confirmation step before the subscription is completed. If you enter an email address but do not complete the confirmation step, you may not receive regular subscriber emails.

We use website form tools, including Fluent Forms, to collect information readers voluntarily submit. Email addresses, signup source information, consent status, and related automation data may also be processed in Encharge to manage confirmed subscriptions and email delivery.

Marketing emails include an unsubscribe mechanism. Unsubscribing stops future marketing email from that subscription, but we may retain limited records needed to honor the unsubscribe, document consent history, prevent abuse, or comply with legal obligations.

Michael Ryan Money uses Mediavine for programmatic advertising. Advertising technologies may use cookies, pixels, device information, advertising identifiers, and similar technologies. Depending on your location and applicable law, privacy controls may allow you to reject non-essential advertising consent, opt out of certain sale/sharing or targeted advertising, or use a recognized universal opt-out signal such as Global Privacy Control.

See our Cookie Policy for the current explanation of those controls and cookie categories.

We use Google Analytics 4 and related measurement technology to understand traffic and how readers use the site. Analytics may process information such as page views, session information, device/browser information, approximate geography, referral sources, and interactions with site features. Cookie or storage behavior can vary based on consent settings, browser restrictions, and regional requirements.

We use analytics to improve the site and understand aggregate reader behavior; it is not intended to identify a reader’s personal financial situation.

The site may offer a Money Assistant or other automated interactive features. If you choose to use them, the text you submit and related technical information may be processed by third-party technology providers used to operate the feature.

Assistant responses are for general educational purposes and can be incomplete, outdated, or incorrect. The Money Assistant is not a substitute for individualized financial, legal, tax, insurance, investment, Social Security, Medicare, retirement, or estate-planning advice.

We use service providers to host and secure the site, process forms, manage email, provide analytics, deliver advertising, operate interactive tools, and support other website functions. Those providers may process information on our behalf or under their own terms, depending on the service.

The site may also contain links to third-party websites, merchants, affiliate partners, embedded media, or other services. When you choose to interact with a third party, its privacy practices apply to the information it receives.

Some links may be compensated. See our Affiliate & Advertising Disclosure for more information.

Depending on where you live, the law that applies, and the type of processing involved, you may have rights to request access, correction, deletion, or a copy of certain personal information; withdraw consent; or opt out of certain sale, sharing, or targeted advertising activities.

Some U.S. state privacy laws use broad definitions of “sale,” “sharing,” or “targeted advertising.” Advertising-related data practices can fall within those definitions even when personal information is not literally sold for cash. Where applicable, Mediavine’s privacy controls may provide the required advertising opt-out mechanism.

To make a privacy request concerning information controlled directly by Michael Ryan Money, email michael@michaelryanmoney.com or use the Contact page. We may need enough information to verify the request and locate the relevant records.

For cookie and advertising choices, see the Cookie Policy.

We retain information only as long as reasonably needed for the purpose for which it was collected, to maintain subscription or consent records, respond to requests, protect the site, resolve disputes, or meet legal and operational obligations. Different service providers may use different retention periods.

We use reasonable administrative and technical measures intended to protect information, but no website, email system, or online service can guarantee absolute security.

If information is processed by service providers in the United States or other countries, it may be subject to the laws of those locations.

Michael Ryan Money is not directed to children under 13, and we do not knowingly seek personal information from children under 13. If you believe a child has submitted personal information to the site, contact us so we can review the request.

We may update this policy as the website, service providers, advertising systems, email processes, interactive tools, or applicable requirements change. Material changes will be reflected by changing the Last updated date at the top of this page.

Questions, correction requests, or privacy requests can be sent to michael@michaelryanmoney.com or through our Contact page.