About Canadian Money Guide

What We Do

Canadian Money Guide helps Canadians make smarter money decisions — at home and across borders.

We publish clear, research-driven guides and comparisons covering:

• Saving and budgeting
• Banking and credit cards
• Debt management and credit
• Investing and retirement planning
• Mortgages and housing
• International money transfers and currency exchange

Every piece of content on this site is built from primary sources — official rate pages, CDIC documentation, CRA guidance, the Bank of Canada, and FCAC publications. Rates are live-verified against each provider's published schedule every Monday; corrections are logged publicly within 48 hours. We don't publish a number we haven't seen on the source page that day.

Who's Behind This

Canadian Money Guide is operated by an Ontario-based independent research team. Editorial responsibility for every article is taken by a named human reviewer on the team, and that reviewer is identified in our corrections log when material changes are made.

The byline "G.D. Sterling" on individual articles is a house pseudonym — it identifies work produced by the team, not a single named individual. We use the pseudonym because Canadian Money Guide is a research-driven publication, not a personal brand; the team's editorial process and methodology are what matter, not any individual writer's byline.

Behind the Byline

G.D. Sterling is the pen name of the Canadian Money Guide research team. The team is based in Toronto, Ontario. We have a real mailing address in Ontario and three real contact addresses that reach the team:

• General inquiries: [email protected]
• Corrections: [email protected]
• Partnerships & media: [email protected]

We are not currently publishing the names or photos of individual team members on the site. The team includes people with backgrounds in Canadian banking, investment management, and financial publishing, but we don't make specific credential claims about a single individual because the work is the team's, not any one person's.

How to Verify This Site Is Real

• We have a real mailing address in Ontario, Canada — available on request via [email protected] and publishable in formal correspondence.
• We publish every correction publicly on the corrections page with reviewer attribution and a timestamp. We've been logging corrections since the site launched in May 2026.
• We file our legal pages (Privacy Policy, Terms of Use, Financial Disclaimer) with the same care as our editorial pages — they're written in plain English, not copy-pasted boilerplate.
• Every revenue stream is disclosed on our Affiliate Disclosure page. Our publisher ID for display advertising (Google AdSense) is ca-pub-3449886919526292 — verifiable via Google's AdSense publisher search.

We operate as a research-driven publication rather than a personal brand. Here's why:

• Consistency: Our methodology produces the same quality regardless of who's behind the keyboard. Every article follows the same research, fact-checking, and review process.
• Scalability: A team can cover more topics, faster — and update content more frequently — than any single author.
• Objectivity: No personal anecdotes or biases colour our comparisons. Every recommendation follows the same evidence-based process, applied uniformly across all products.

What We Are — And What We Aren't

Let's be clear about where we fit in the financial ecosystem:

We don't hold, manage, or invest client funds. We don't sell financial products. We don't provide personalized recommendations. If you need advice specific to your situation, consult a qualified professional — a certified financial planner, a chartered accountant, or a licensed investment advisor.

Our Approach

We follow the same process for every comparison and guide we publish:

1. Gather current data — we pull rates, fees, and terms directly from provider websites and official documentation. Rates are verified manually against primary sources, not scraped automatically.
2. Compare objectively — we use consistent criteria across all products in a category. No cherry-picking features to make one product look better.
3. Cite sources — every claim about a rate, fee, or policy includes a reference to the original source. If you want to verify, the citation is right there.
4. Update regularly — rates and product terms change. Content that's more than 30 days old is flagged for review. Major rate changes trigger immediate updates.

Read our full research methodology →

Our Commitment to Accuracy

We take accuracy seriously. Every rate, fee, and policy claim is verified against primary sources before publication. When we make a mistake — or when rates change — we correct it within 48 hours and log it publicly.

View our corrections log →

How We Make Money

We participate in affiliate programs with some financial institutions. When you click a referral link on our site and open an account, we may receive a commission — at no extra cost to you. For example, if you open an EQ Bank account through our link, EQ Bank pays us a referral fee. You get the same rates and features you'd get by going directly.

This is how we keep the site free. We don't run a paywall. We don't sell your data. We don't charge for access. Our revenue comes entirely from affiliate partnerships where we've independently verified that the product is worth recommending.

Key points about our revenue model:

• No pay-for-placement. Products cannot pay to rank higher or to be listed as a "top pick."
• No sponsored content. Every article is researched and written independently. No partner sees our content before publication.
• Full disclosure. Every partner link is disclosed on the page where it appears.
• Products without affiliate programs are still included in our comparisons — readers need the full picture, not just the products that pay us.

Read our full Affiliate Disclosure →

Important Pages

Our Name

CMG stands for Canadian Money Guide — exactly what we do: guide Canadians toward better money decisions with clear, verifiable information.

Contact

Mailing address: Canadian Money Guide, Toronto, Ontario, Canada

General inquiries: [email protected]

Corrections: [email protected]

Partnerships & media: [email protected]

We respond to all messages within 1–2 business days. All three addresses forward to our team inbox via Cloudflare Email Routing — your email reaches a real human on our team.

Canadian Money Guide is an independent research publication based in Toronto, Ontario. We are not a bank, credit union, licensed financial advisor, government agency, or regulatory body. All content is for informational and educational purposes only. Read our full Financial Disclaimer for important limitations.