Why This Page Exists
This disclosure is provided to comply with the legal requirements established by the Competition Act of Canada and the guidelines issued by the Autorité des marchés financiers du Québec (AMF — Quebec’s financial markets authority). Our commitment to transparency compels us to clearly inform our audience about how AR360 — Finance generates revenue through affiliate links. This page aims to clarify our business practices while maintaining reader trust in the independence of our editorial analysis and recommendations.
What Is an Affiliate Link?
An affiliate link is a unique hyperlink containing an identifier that tracks the source of traffic to a partner website. When a reader clicks this link and proceeds to open an account with a neobank or financial service, AR360 — Finance receives a one-time commission from the partner. It is important to note that there is no additional cost for the reader: the registration process, banking fees, and terms offered remain exactly the same as if the user visited the neobank’s website directly. For example, if you click an affiliate link to a hypothetical neobank and open a savings account, the neobank pays us a commission, but your interest rates and fees remain unchanged. No banking information or financial transactions ever pass through our servers.
How AR360 — Finance Uses These Links
Our affiliate links primarily appear in call-to-action buttons located at the bottom of our detailed reviews, in comparative sections, and occasionally in specific articles addressing financial services. Each affiliate link is visually identified by a distinctive icon and textual indication such as “partner link” or “affiliate link.” We participate in several public referral programs including Wealthsimple Refer, KOHO Refer, Neo Refer, EQ Bank Refer, as well as affiliate platforms like Impact and ShareASale when relevant. Our Editorial Policy specifies that the independence of our analysis constitutes the cornerstone of our approach: affiliate links do not influence our verdicts, rankings, or recommendations in any way.
Independence Guarantee
Editorial independence represents the cornerstone of our approach. No affiliate commission, regardless of amount, can influence a ranking, modify a score assigned, or alter a mention in our analyses. If a neobank offers particularly attractive commissions but presents significant shortcomings according to our evaluation criteria, it will be honestly described as such in our publications. Conversely, a neobank that does not participate in an affiliate program may very well rank first in a comparison if its performance objectively justifies such positioning. Our rating systems are established independently of any affiliate considerations, and analyses are always written before any potential partner links are implemented.
AMF Compliance
The affiliate mechanism used by AR360 — Finance does not affect the editorial status of our content. Our website remains neither a broker nor a registered financial advisor with the AMF. The simple fact of receiving one-time commissions for registrations made through our affiliate links does not change the informative and non-advisory nature of our publications. For all details regarding our legal obligations and available remedies, we invite you to consult our AMF Disclosure page.
What We Do With Revenue
Revenue generated through affiliate links primarily serves to support the sustainability of our editorial operations. These funds enable us to finance paid subscriptions to financial monitoring tools and specialized databases, ensure fair compensation for our external writers, and maintain our site’s technical infrastructure without resorting to intrusive advertising or aggressive banners.
Your Questions, Our Contact Information
For any questions regarding our affiliate practices or this disclosure, you may reach us at the following address: contact@finance.affilreviews360.com. [To be completed] [Verified on YYYY-MM-DD]