Legal Disclaimer

Terms of Use and Legal Disclaimer of MichaelRyanMoney.com

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

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEBSITE. By accessing and using Michael Ryan Money (the “Website” michaelryanmoney.com), you agree to be bound by these Terms of Use and Legal Disclaimer. If you do not agree with any part of these terms, please do not use the Website.

1. Acceptance of Terms

By using this Website, you agree to these Terms of Use and Legal Disclaimer, which govern your access to and use of the Website and its services. We reserve the right to change these terms at any time. Updates will be posted on this page with an updated “Last Updated” date, and your continued use of the Website after changes constitutes your acceptance of the new terms.

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

The content on this Website is for educational and informational purposes only.

  • Not Professional Advice: I, Michael Ryan (a retired financial advisor), provide content based on my own experiences, opinions, and past client relationships. I do not hold a current license to give investment, tax, estate, or insurance advice.
  • No Personalized Guidance: Nothing on this Website should be construed as personal advice tailored to your specific circumstances.
  • Consult a Professional: Always consult a qualified professional before making any financial, investment, tax, or insurance decisions.
  • Liability Disclaimer: Under no circumstances shall Michael Ryan Money, michaelryanmoney.com or its owner be liable for any damages or losses arising from the use of the content on this Website. Your use is entirely at your own risk.

3. User-Generated Content and Conduct

User-Generated Content (UGC)

  • Moderation: Comments and other forms of user-generated content are strictly moderated. We reserve the right to remove any content that is spam, offensive, or otherwise violates these terms.
  • Responsibility: Users are solely responsible for the content they post. By submitting content, you grant Michael Ryan Money a non-exclusive, royalty-free license to use, display, and modify your submissions.
  • No Endorsement: User submissions do not represent our opinions, and we assume no liability for user-generated content.

Prohibited Conduct

  • Spam and Abuse: You must not post spam, harassing messages, or any other content that may disrupt the Website’s operation.
  • Unauthorized Linking or Reproduction: You are prohibited from linking to, reproducing, or distributing any content from this Website without prior written permission, except where permitted by law (e.g., fair use).
  • Intellectual Property: All content, including but not limited to text, graphics, and images on this Website, is protected by copyright and other intellectual property laws. Unauthorized use of any material is strictly prohibited.

4. Affiliate Relationships and Third-Party Content

  • Affiliate Disclosure: This Website participates in affiliate programs. Any products, services, or links provided may generate compensation. For detailed disclosure, please refer to our Affiliate Disclosure page.
  • Third-Party Content: We may include content from third parties or links to third-party websites. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of these third parties.

5. Limitation of Liability

  • No Guarantees: The Website and its content are provided on an “as is” basis without any warranties, express or implied.
  • Exclusion of Liability: In no event shall Michael Ryan Money, michaelryanmoney.com its owner, or affiliated parties be liable for any direct, indirect, incidental, special, or consequential damages arising from your use or inability to use the Website.
  • Indemnification: You agree to indemnify and hold harmless Michael Ryan Money and its affiliates from any claims or demands, including reasonable attorneys’ fees, arising out of your use of the Website or violation of these Terms.

6. Governing Law and Jurisdiction

These Terms and your use of the Website are governed by and construed in accordance with the laws of the State of Florida, United States. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Florida.

7. Updates to These Terms

We reserve the right to modify these Terms at any time. Changes will be reflected by an updated “Last Updated” date on this page. It is your responsibility to periodically review these Terms. Your continued use of the Website after any changes constitutes your acceptance of the new Terms.

8. Contact Information

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

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