Terms of Use

Last Updated: 01/28/2026

Ryan, LLC (“Ryan”, “we”, “us”, or “our”) provides you access to the website subject to the following Terms of Use (“Terms”). By clicking “Accept” or otherwise indicating agreement, or by continuing to use the website after receiving a notice about these Terms or updates thereto, you agree to be bound by them.

Changes to These Terms

We may update these Terms periodically. The “Last Updated” date at the top of this page reflects the most recent version. Your continued use after changes take effect constitutes acceptance of the revised Terms.

Security & Privacy

We are committed to protecting the personal information you provide when using this website. Please review our Privacy Notice, which is incorporated into these Terms by reference and explains how we handle personal information. Although we take reasonable steps to help protect your information, we cannot guarantee that use of the website is free from all security risks. 

We use tracking and analytics technologies, such as cookies, pixels, and beacons, to operate and improve our website. These tools operate as service providers acting on our behalf, and they do not independently collect or use data for their own purposes. For example, we may track how you interact with our website in order to determine which features to promote, relocate, or retire. By continuing to browse or using the site after receiving a notice, you consent to the collection, recording, and transmission of data as described in our Privacy Notice. For users located in California or other jurisdictions where the law so requires, such consent must be affirmative. You may decline nonessential tracking by using the cookie management tool displayed at the start of your session or via the Cookie Settings link at the bottom of each page.

California Privacy Rights

If you are a California resident, additional rights apply under the California Consumer Privacy Act and the California Invasion of Privacy Act. Ryan complies with these statutes as applicable and provides notice and consent mechanisms consistent with their requirements.

No Sale or Sharing of Personal Information

Ryan does not sell or share personal information as those terms are defined under U.S. state privacy laws, including the California Consumer Privacy Act and comparable statutes in other states. Any personal information collected through this website is used only for the limited purposes described in our Privacy Notice.

Minimum Age 

By using this website, you represent that you are at least 18 years of age and are fully able and competent to agree to these Terms; otherwise, please exit this website.

Visitors and Customers

“Visitors” are individuals who access our website without creating an account or purchasing a service. “Customers” are individuals who establish an account, make a purchase, or otherwise engage in a transaction with us. Certain contractual provisions, including arbitration and dispute resolution, apply only to Customers. 

AI-Assisted Features

The website includes AI-powered features (including natural language search and conversational AI tools, collectively “AI Features”) which generate automated responses based on user queries and inputs.

AI Features are provided for informational and convenience purposes only. AI-generated content is produced automatically and may be incomplete, inaccurate, or inappropriate for your circumstances. You are responsible for verifying information before relying on it.

AI Features do not provide legal, tax, financial, or other professional advice and do not create a client, advisory, or fiduciary relationship with Ryan.

By using AI Features, you consent to the processing of your inputs and related interaction data as described in Ryan’s Privacy Notice. AI Features are supported by third-party AI service providers acting as service providers or processors on Ryan’s behalf.

Ryan does not use information submitted through AI Features to train third-party AI models. Ryan may use aggregated and anonymized usage data, which cannot reasonably be used to identify any individual, to improve the performance and functionality of its services, subject to applicable law.

Ryan makes no representations or warranties regarding the accuracy, completeness, availability, or reliability of AI-generated content and shall have no liability for decisions made or actions taken in reliance on such content.

Electronic Communications

When you send us electronic communications, you consent to receive electronic communications from us in return. We may communicate with you by e-mail, text message, or by posting notices on our website. You agree that all agreements, notices, disclosures, and other communications that we provide you electronically satisfy any legal requirement that these communications be in writing. You further agree that any notices provided by us electronically are deemed given and received on the date we transmit them. 

Links to Third-Party Sites

Our website may contain links to third-party websites. These links are solely provided as a convenience to you and are not an endorsement by us of the third-party website or its contents. We are not responsible for the contents of any third-party website, which we provide on an “as is” basis, and we make no representations or warranties, express or implied, as to the contents or accuracy of materials on those websites. If you decide to access linked third-party websites, you do so at your own risk.

Our website and all content, including our logo and corporate name, is protected by copyright, trademark, and other laws of the United States and laws of other countries (“Intellectual Property”). The website and its content are provided for informational purposes related to our professional tax services. We own or control all the Intellectual Property on this website. We grant you a limited non-exclusive, non-transferable license to make use of the website and its content solely as follows:

YOUR LICENSE GRANT ABOVE WILL TERMINATE AUTOMATICALLY IF YOU ENGAGE IN ANY PROHIBITED USE.

Restrictions 

You may not use the website in any way that violates applicable law, including export and data privacy laws, and you are prohibited from violating, circumventing, or harming (including attempts thereto) any security or functional features of the website, including, without limitation:

• accessing content or data not intended for you, or logging onto a server or account that you are not authorized to access, or creating an account on behalf of someone under 18 years of age;

• attempting to gain unauthorized access to any portion of the website, our system, or our network or attempting to probe, scan, or test the vulnerability of the website, or any associated system or network, or to breach any security or authentication measures without proper authorization;

• sharing your account password or otherwise allowing third parties to access or use your account

• impersonating another person, misrepresenting your current affiliation with an employer, or creating user accounts under false or fraudulent pretenses;

• attempting to disable, bypass, modify, defeat, or otherwise circumvent any of the digital rights management or other tools protecting the Intellectual Property contained at the website;

• disseminating any malicious software, including viruses, worms, or otherwise harmful code; or

• attempting to modify, reverse-engineer, decompile, disassemble, or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code used by us in providing the website. 

You may not use our website to upload, post, or transmit obscene, inflammatory, profane, defamatory, or other inappropriate content. You may not disclose to us unsolicited sensitive personal information (including “special categories of data” under GDPR such as ethnic origin, religious beliefs, sex orientation or health or financial information) about you or another party. We reserve the right to edit, remove, or delete any submission or transmission that, in our judgment, is inappropriate or illegal, and to decline to provide commercially available offerings on our website to anyone we suspect has violated these Terms. 

VIOLATION OF LAWS OR OF OUR SYSTEM OR NETWORK SECURITY MAY SUBJECT YOU TO CIVIL AND/OR CRIMINAL LIABILITY.

Disclaimer of Warranties

YOUR USE OF OUR WEBSITE IS AT YOUR SOLE RISK. OUR WEBSITE, INCLUDING ANY CONTENT CONTAINED WITH THE WEBSITE, IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. RYAN AND ITS AFFILIATES, SUPPLIERS, LICENSORS, AND OTHER RELATED PARTIES, AND THEIR RESPECTIVE OFFICERS, AGENTS, REPRESENTATIVES, AND EMPLOYEES EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, STATUTORY, OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY OF DATA, AND NON-INFRINGEMENT. BECAUSE SOME JURISDICTIONS MAY NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, SOME OF THESE EXCLUSIONS MAY NOT APPLY TO YOU.

WE MAY PUBLISH INFORMATION CONTAINING OUR VIEWS REGARDING THE TAX TREATMENT OF CERTAIN ITEMS BASED ON OUR TAX RESEARCH AND ANALYSIS ON THIS WEBSITE. A MORE COMPLETE REVIEW OF THE FACTS REGARDING YOUR CIRCUMSTANCES, HOWEVER, MAY AFFECT OUR ANALYSIS AND CONCLUSIONS. DUE TO THESE LIMITATIONS, YOU SHOULD NOT RELY UPON ADVICE OR INFORMATION RECEIVED BY MEANS OF OUR WEBSITE FOR SIGNIFICANT PERSONAL, BUSINESS, LEGAL, OR FINANCIAL DECISIONS, AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR PARTICULAR SITUATION. YOU AGREE THAT NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM RYAN OR THROUGH OR FROM OUR WEBSITE CREATES ANY WARRANTY. 

Limitation of Liability

To the fullest extent permitted by law, Ryan, LLC, and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, data, goodwill, or other intangible losses arising out of or relating to your use of the website. In no event will Ryan’s total liability for all claims relating to the website exceed one hundred U.S. dollars (US $100). Certain jurisdictions do not allow limitation of liability for personal injury or for willful misconduct, so this limitation may not apply to you.

Dispute Resolution

Before commencing any legal proceeding against Ryan, you must provide written notice describing the nature of your dispute in reasonable detail and allow Ryan at least thirty (30) days to respond. You agree that this pre-dispute notice is a condition precedent to any claim, suit, or arbitration arising out of or relating to your use of the website or these Terms. You agree that disputes must be brought on an individual basis and not as part of any purported class or representative proceeding. If you initiate a claim in violation of this provision and fail to obtain a judgment more favorable than the last settlement offer made by Ryan, you agree to reimburse Ryan for its reasonable attorneys’ fees and costs, up to $10,000.

Legal Notices

Written notices required under these Terms, including any pre-dispute notice, must be sent by certified mail or reputable overnight courier to:
Ryan, LLC – Attn: Legal Department (Ryan Legal Notice)
8101 Windrose Avenue, Plano, Texas 75024 USA.
Notices are effective when received and acknowledged by our Legal Department.

Miscellaneous

These Terms and any dispute arising hereunder are governed by the laws of the State of Texas, excluding its conflict-of-laws principles. All proceedings must be brought exclusively in the state or federal courts located in Dallas County, Texas, unless otherwise required by law. You waive any objection to such jurisdiction and venue. Ryan’s failure to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision. If any provision of these Terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from the Terms and will not affect the validity and enforceability of any remaining provisions. Neither the course of conduct or course of dealing between the parties nor trade practice will act to modify any provision of these Terms. Ryan may assign its rights and duties under these Terms to any party at any time without notice to you. These Terms do not provide any third-party with a remedy, claim, or right of reimbursement. You must file any claim or suit related to our website within one year after it arises.

Accessibility

Ryan strives to make its website accessible to all users and seeks to conform its website to the Web Content Accessibility Guidelines (WCAG) 2.1 AA standard to the extent practicable. You may use the Accessibility Settings link at the bottom of each page to adjust how you interact with this site. If you experience difficulty accessing any material on our website, please contact us so that we can provide the information through an alternative method. 

Contact

If you have any questions regarding our website or these Terms, please contact us at the information provided in our Privacy Notice.