Terms of Use & Legal Disclaimer

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.

This Website includes an interactive Money Assistant that can generate general educational responses. By using it, you acknowledge the following:

• Educational only: responses are general information, not personalized financial, investment, tax, insurance, legal, Social Security, Medicare, retirement, or estate-planning advice.
• Verify important information: automated responses can be incomplete, outdated, or wrong. Do not make a consequential financial decision based solely on an Assistant response.
• Protect sensitive information: do not submit Social Security numbers, account numbers, passwords, full financial records, medical information, or other information you would not want processed by a third-party technology provider.
• Third-party processing: prompts and related technical information may be processed by service providers used to operate the Assistant. See our Privacy Policy for more information.
• Acceptable use: do not use the Assistant unlawfully, attempt to bypass safeguards, interfere with the service, or use it to harm others.

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 .

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.

Affiliate Disclosure

This Website participates in affiliate programs. Products, services, or links provided may generate compensation for us at no additional cost to you. Affiliate relationships never influence our editorial integrity. For complete details see our Affiliate Disclosure .

Third-Party Links & Content

This Website may contain links to third-party websites, products, or services. We do not control, endorse, or assume any responsibility for the content, accuracy, privacy practices, availability, or offers of any third-party site or service. Any reliance on third-party content or use of third-party links is entirely at your own risk.

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.

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.