Affiliate Disclosure
How We Make Money
Canadian Money Guide participates in affiliate marketing programs. This means that when you click on certain links on our site and take an action (such as opening an account, applying for a credit card, or completing a money transfer), we may earn a commission — at no additional cost to you.
These commissions are how we fund our research and keep our content free for everyone.
Our Commitment to You
We never let affiliate relationships influence our recommendations. Every product we compare is evaluated against the same criteria: publicly available rates, fees, features, and user feedback. A product doesn't rank higher because it pays a higher commission, and we don't exclude products that don't pay commissions.
In practice, this means:
- Comparison tables include products with and without affiliate relationships. If a product is the best option for a specific use case, we include it — regardless of whether we get paid.
- Our "Best for" picks are based on research criteria (see How We Research), not commission rates.
- We disclose affiliate links before any commercial call-to-action. Look for this text near any link that may generate a commission:
Affiliate Partners
We work with the following affiliate partners and networks:
| Partner | Products Covered | Relationship |
| Ratehub | Mortgage rates, savings accounts, credit cards, loans, insurance | Affiliate |
| Fintel Connect | Direct bank offers (Scotiabank, LoanConnect, and others) | Affiliate network |
| Wise | International money transfers, multi-currency accounts | Affiliate |
This list is updated whenever we add or remove an affiliate partner.
What "Affiliate Link" Means
When you see a product link with a disclosure label, here's exactly what happens:
- You click the link and go to the partner's website
- A tracking cookie is placed in your browser (usually valid for 30-90 days)
- If you complete a qualifying action (e.g., open an account, complete a transfer), the partner records the conversion
- Canadian Money Guide receives a commission from the partner
- You pay the same as if you had gone directly to the partner's website
Why Affiliate Marketing?
We chose affiliate marketing over other monetization models (ads, subscriptions, sponsored content) for a specific reason: it aligns our incentives with yours. Banner ads pay per view regardless of whether the product helps you. Subscription paywalls lock content behind a login. Sponsored posts mean the sponsor controls the message.
With affiliate marketing, we only earn when you take an action — and you only take that action when you've decided the product is right for you. If our research is wrong or our recommendations mislead you, you won't open the account, and we won't get paid. That's not a perfect alignment, but it's better than the alternatives.
We also choose this model because it keeps our content free for every Canadian who needs it — including those who can't afford a subscription and those who never click an affiliate link.
Common Questions
This disclosure applies to all pages on Canadian Money Guide. Individual pages may contain additional specific disclosures near commercial content.