Terms of Use
Effective Date: August 25, 2026
Last Updated: August 25, 2026
Welcome to ryanhearn.org. By using this site, you agree to the following terms. If you don’t agree, please don’t use the site — no hard feelings.
Who I Am
This site is operated by Ryan Hearn, a California-based blogger, licensed California insurance producer (CA License #0L14758, issued to Ryan Nolan Hearn), and someone with a lot of opinions about fine print. The content here reflects my personal perspectives and projects unless otherwise noted.
What This Site Is
ryanhearn.org is a personal blog. Nothing published here constitutes legal, financial, medical, or professional advice of any kind. I write from my own experience and perspective. Content related to insurance is informational only — for advice specific to your situation, consult a licensed professional (which, depending on the topic, may or may not be me).
Intellectual Property
All original content on this site — including text, images, and other media I’ve created — belongs to me. You’re welcome to share or quote from it, provided you:
- Credit ryanhearn.org as the source
- Link back to the original post
- Don’t reproduce entire articles or substantial portions without permission
If you’d like to use content in a way not covered above, contact me through the site and ask. I’m generally reasonable about this.
Affiliate Links & Disclosures
I am a licensed California insurance producer, and I do earn commission when I place a policy in that capacity. None of that happens here. Nothing on this site routes you to a purchase, and I am paid nothing for anything linked from it.
If that changes and affiliate links are added, they will be disclosed clearly and conspicuously above the first affiliate link on the page, in accordance with the Federal Trade Commission’s guidelines on endorsements and testimonials (16 CFR Part 255). My opinions are my own, and I only recommend things I would actually stand behind.
External Links
This site may link to third-party websites for reference or convenience. I don’t control those sites and I’m not responsible for their content, privacy practices, or anything else they do. A link is not an endorsement unless I say it is.
Comments & Contact Form
If you use the contact form or leave comments on this site, please be a decent human being. I reserve the right to ignore, delete, or not publish messages that are abusive, spammy, or otherwise not worth anyone’s time.
By submitting a message through the contact form, you agree that I may use your message to respond to you. I won’t publish your contact form submissions publicly without your consent.
Limitation of Liability
I do my best to make sure the content on this site is accurate and useful, but I make no warranties — express or implied — about its completeness, accuracy, or fitness for any particular purpose. To the fullest extent permitted by California law, I am not liable for any damages arising from your use of this site or reliance on its content.
Governing Law
These Terms of Use are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes arising from your use of this site will be resolved in the courts of California.
Changes to These Terms
I may update these Terms of Use from time to time. When I do, I’ll update the “Last Updated” date at the top of this page. Continued use of the site after changes are posted means you accept the updated terms.
Contact
Questions about these Terms? Use the contact form on this site.