Advertising & Affiliate Disclosure
Finance Authority Hub is paid in two ways: display advertising and affiliate commissions. This page explains both, how to spot them, and the limits that keep them from influencing what we write.
The short version
Required disclosure: Finance Authority Hub may earn a commission when you click certain links and then complete an action, such as applying for a financial product. It costs you nothing extra. We also show ads from third-party advertising networks. Neither one changes how we research, rate, or describe a product.
How we earn money
These are the only two ways the site is paid. If that ever changes, we will update this page first.
Affiliate links
Some links on this site are affiliate links. If you click one and complete a qualifying action, such as applying for a product or signing up for a service, the provider may pay us a referral commission. We do not disguise affiliate links, and we say so on pages that contain them.
Display advertising
We show ads on some pages, served by vetted third-party advertising networks. Ads are labeled as advertisements and kept apart from editorial content. An advertiser may appear next to an article that criticizes its product, and we will not change the article.
What we do not sell: paid reviews, paid rankings or “best of” placement, sponsored articles, guest posts, and links. Businesses that want to advertise can read our Advertisers & Partners page.
How affiliate links work
Many readers have never met an affiliate link before. Here is exactly what happens when you click one.
You read the guide
Our team researches each product or topic from primary sources before we write about it, independent of any commercial relationship.
You click a link
If you choose to visit a provider, the link may carry a tracking code that tells the provider you came from our site.
You apply directly
You deal only with the provider. We are not part of the application, and we never see your personal or financial details.
The provider may pay us
If you complete a qualifying action, the provider pays us a commission out of its own revenue, not out of your pocket.
You never pay more through an affiliate link. The price, rate, fees, and terms are the same as if you went to the provider directly. You are also free to skip our links and visit the provider’s website yourself. Our assessment of it does not change.
How to spot commercial content
We use two plain labels, so you can tell when money is involved before you read or click.
Affiliate disclosure
A notice on pages that contain affiliate links. It tells you a commission may be earned if you apply through them.
Advertisement
A label on or beside paid ad placements, so an ad is never mistaken for editorial content.
No label
Everything else is editorial content written by our team. Advertising and affiliate relationships never shape it.
What you will not see
Paid content that is not labeled, or an affiliate link presented as if it were a neutral recommendation. We do not publish either.
Our independence rules
One rule sits above all the others: money does not buy editorial outcomes. In practice, that means six things. They match our Editorial Guidelines and Ethics & Transparency policy.
Rankings cannot be bought
No product can pay for a better rating, ranking, or score. A paying partner’s product can rank last.
Partners cannot edit our articles
No advertiser or affiliate partner may preview, approve, or request changes to what we publish about them. The only exception is a factual correction, which we review on the evidence.
Critical reviews are published
We publish negative assessments, including of products from advertisers and affiliate partners.
Commission size does not decide coverage
A higher commission never earns a product a better recommendation. Products with no affiliate program are covered when they serve readers.
Nothing is sponsored
We do not publish sponsored articles or accept paid placements inside our editorial content.
Interference ends the relationship
A partner that tries to influence our coverage, for example by threatening to pull advertising, is dropped.
Where money can shape our coverage
You should also know where commercial relationships can legitimately affect what you see, so you can read with the right context.
Which products we can link to
We can only add tracked affiliate links for providers that run affiliate programs. A product without a program can still appear in an article, just without a tracked link.
Which topics we cover
We choose topics partly by what readers search for and what can keep the site running. That affects how much we write on a subject, not how we assess a product within it.
How comparisons are ordered
We never order a comparison by commission size. If a page sorts products in a particular way, it says how.
Ad networks, cookies, and your choices
Advertising networks use cookies and similar technology. Here is what that means and how to control it.
The ad networks we work with, which may include Google, can use cookies to show ads based on your visits to this site and other sites. We do not control those cookies, and we do not pass your personal details to advertisers. Our Cookies Policy and Privacy Policy explain what is collected and why.
You can opt out of personalized advertising at any time:
The US rules we follow
Finance Authority Hub is written for readers in the United States, so we follow US advertising disclosure rules.
The Federal Trade Commission requires that a material connection between a publisher and a business, including an affiliate relationship, be disclosed clearly and conspicuously. We design our disclosures to meet the FTC’s Endorsement Guides. If you believe a disclosure on any page falls short, tell us and we will review it.
Common questions
Short answers to what readers ask us most about ads and affiliate links.
Do affiliate links cost me anything extra?
No. The provider pays any commission out of its own revenue. Your price, rate, fees, and terms are the same as they would be if you went to the provider directly.
Does earning a commission mean you recommend the product?
No. A commission is paid only if you apply, and it plays no part in our assessment. Many products we link to get mixed or critical reviews, and products with no affiliate program appear when they help readers.
How do I know if a link is an affiliate link?
Pages that contain affiliate links carry a disclosure notice. We do not disguise them. If you prefer, you can skip any link and type the provider’s website address yourself.
Can an advertiser pay to improve a product’s rating?
No. Ratings and rankings come from our own research. Advertising and commissions cannot improve, change, or guarantee them. See our Editorial Guidelines.
Are all the products you mention affiliate partners?
No. We mention many products that have no affiliate relationship with us. We include a product because it is relevant to readers, not because we earn money from it.
What if I think a disclosure is missing?
Email contact@financeauthorityhub.com with the page address and what concerns you. We review every report, and if a disclosure is missing or unclear, we fix it. You can also read our Complaints & Corrections Policy.
How often is this page updated?
Whenever our advertising or affiliate arrangements change, and at least once a year. The last-reviewed date is at the top of this page.
Questions about this disclosure
If something here is unclear, or you think a commercial relationship has not been disclosed, email us. We do not use contact forms.
To learn more about who runs the site, read About Finance Authority Hub.
Formal disclosure statement
Formal statement: Finance Authority Hub (financeauthorityhub.com), published by KCS Global Group, participates in affiliate marketing programs and may earn commissions or referral fees when readers click links to third-party products or services and complete qualifying actions. These commissions are paid by the provider and do not change the price, rate, or terms available to you. The site also earns revenue from display advertising served by third-party networks. A commercial relationship is not an endorsement beyond what our articles explicitly say. Content is educational, not personal financial, investment, tax, or legal advice. Please read our Financial Disclaimer.