1. Acceptance of Terms

By accessing or using the website located at michaelryanmoney.com, you confirm that you have read, understood, and agree to be bound by these Terms of Use and Legal Disclaimer. These Terms apply to all visitors, users, and anyone who accesses or uses the Website.

We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated Last Updated date. Your continued use of the Website after any changes constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Website.

If you have questions about these Terms before using the Website, please contact us directly.

2. No Financial, Investment, Tax, or Insurance Advice

3. AI-Powered Money Assistant

This Website features an AI-powered Money Assistant. By using the Assistant, you agree to the following terms:

• Educational Only: The Assistant provides general financial education responses only. It does not constitute personalized financial, investment, tax, insurance, or legal advice of any kind.
• No Reliance: You agree not to make financial decisions based solely on responses from the Assistant. Always verify information independently and consult a licensed professional.
• No Liability: Michael Ryan Money assumes no liability for decisions made based on AI Assistant responses. The Assistant may produce errors, omissions, or outdated information.
• Acceptable Use: You agree not to use the Assistant for any unlawful purpose, to generate harmful or misleading content, or to attempt to circumvent its intended educational function.
• Data Processing: Queries submitted to the Assistant are processed by third-party AI APIs. For full details see our Privacy Policy .

4. Permitted & Prohibited Use

Permitted Use

Subject to these Terms, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use this Website for your personal, non-commercial use only. This means you may:

• Read and share individual articles for personal, non-commercial purposes with appropriate attribution.
• Use the AI Money Assistant for general educational purposes as described in Section 3.
• Subscribe to our newsletter for personal use.

Prohibited Use

You may not use this Website to:

• Scrape, harvest, or automatically collect data or content from this Website by any means without prior written permission.
• Use any automated system including bots, spiders, or scrapers to access the Website in a manner that sends more requests than a human could reasonably produce.
• Reproduce, duplicate, copy, sell, or exploit any portion of the Website or its content for commercial purposes without express written permission.
• Interfere with or disrupt the integrity or performance of the Website or its related systems.
• Attempt to gain unauthorized access to any part of the Website or its related infrastructure.
• Use the Website for any unlawful purpose or in violation of any applicable laws or regulations.
• Transmit any harmful, offensive, or disruptive content through any feature of the Website.

5. Intellectual Property

All content on this Website, including but not limited to text, articles, graphics, images, logos, and the overall design, is the exclusive property of Michael Ryan Money and is protected by United States and international copyright, trademark, and other intellectual property laws.

Your use of this Website does not grant you any ownership rights in any content. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from this Website without prior express written permission, except as permitted by applicable law such as fair use.

If you believe any content on this Website infringes your intellectual property rights, please contact us at michael@michaelryanmoney.com .

6. User Content & Conduct

User-Generated Content

• Moderation: Comments and other user-generated content are moderated. We reserve the right to remove any content that is spam, offensive, misleading, or otherwise violates these Terms, at our sole discretion.
• Your Responsibility: You are solely responsible for the content you post. By submitting content, you grant Michael Ryan Money a non-exclusive, royalty-free, perpetual, worldwide, sublicensable license to use, display, reproduce, and modify your submissions in connection with operating and promoting this Website.
• No Endorsement: User submissions do not represent our opinions or views. We assume no liability for user-generated content posted by third parties.

Prohibited Conduct

• Spam and Abuse: You must not post spam, harassing messages, or content that disrupts the Website or other users’ experience.
• Unauthorized Reproduction: You may not reproduce, distribute, or republish content from this Website without prior written permission, except where permitted by applicable law.

8. Accuracy & Availability

We make reasonable efforts to ensure content on this Website is accurate and up to date. However, we make no representations or warranties of any kind regarding the completeness, accuracy, reliability, suitability, or availability of any content, products, services, or related information on this Website.

Content may be incomplete, outdated, or temporarily unavailable due to technical issues beyond our control. We reserve the right to modify, suspend, or discontinue any part of the Website at any time without notice and without liability.

Financial data, rates, and product information referenced on this Website are subject to change at any time. Always verify current information directly with the relevant financial institution or provider before making decisions.

9. Limitation of Liability

No Warranties

This Website and its content are provided on an “as is” and “as available” basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Exclusion of Damages

To the fullest extent permitted by applicable law, Michael Ryan Money, michaelryanmoney.com, its owner, and affiliated parties shall not be liable for any direct, indirect, incidental, special, punitive, or consequential damages of any kind arising from or related to your use of or inability to use this Website, including but not limited to reliance on any content, affiliate links, AI Assistant responses, third-party content, or sponsored content.

Indemnification

You agree to indemnify, defend, and hold harmless Michael Ryan Money, its owner, and affiliated parties from and against any and all claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to your use of this Website, your violation of these Terms, or your violation of any rights of a third party.

10. Termination of Access

We reserve the right, in our sole discretion, to suspend or terminate your access to all or any part of this Website at any time, with or without notice, for any reason including but not limited to violation of these Terms.

Upon termination, your right to use the Website will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property provisions, disclaimer of warranties, indemnification, and limitation of liability.

11. Governing Law & Jurisdiction

These Terms and your use of this Website are governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law provisions.

Any disputes arising under or related to these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in the State of Florida. You consent to personal jurisdiction in those courts.

If any provision of these Terms is found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

12. Contact Us

If you have questions or concerns about these Terms of Use or Legal Disclaimer, please contact us directly:

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

By using this Website, you acknowledge that you have read, understood, and agree to these Terms of Use and Legal Disclaimer.