Our Editorial Commitment
AR360 — Finance commits to providing independent and impartial analyses of neobanks and financial services available in Canada. Our independence from the companies we cover is absolute: no neobank can influence our publications or purchase a favorable rating. We publish exclusively analyses based on public, verifiable, and factual data. Our evaluations are grounded in concrete testing, product comparisons, and consultation of official documents. No advisory language is used: we describe features, strengths, and limitations of services, and readers always retain decision-making freedom regarding their financial choices.
AMF Quebec Compliance
This website, operated by InnovE-Tech Solutions, is neither a broker nor a financial advisor registered with the AMF — Quebec’s financial markets authority. Content published on AR360 — Finance is strictly editorial and for informational purposes. No review or analysis constitutes personalized financial advice, or a recommendation to buy, sell, or hold financial products. Formulations such as “we recommend,” “subscribe to,” or “best choice” are formally prohibited in our publications to comply with AMF regulatory requirements. We instead use factual formulations such as “this neobank offers low fees,” “this service is suitable for profile X,” or “to compare with direct competitors.” Before making any financial decision, readers are invited to consult a financial advisor registered with the AMF. For any complaint or regulation-related question, call 1-877-525-0337 or visit lautorite.qc.ca.
Rating Process
Our evaluation system relies on 7 weighted criteria, each scored on a scale of 1 to 10. The criteria are: fees (monthly, transactions, ATM withdrawals, FX exchange), interest rates (savings account, checking account, certificates), mobile application (App Store and Google Play ratings combined with ergonomic assessment), security (CDIC/AMF protection, strong authentication, incident history), customer support (available channels, responsiveness, quality of responses), onboarding (opening speed, KYC process, required verifications), and bonuses and programs (referrals, cashback, loyalty programs).
Weightings assigned to each criterion are systematically published in every review, ensuring complete transparency about our evaluation method. The final verdict is formulated in clear language, with sections such as “Who it’s for,” “Who it’s not for,” and “To compare with.” Complete methodological details are available on our dedicated page “How We Evaluate Neobanks.” This approach ensures that each reader understands not only the overall rating but also the reasons justifying it.
Independence from Affiliate Programs
The integrity of our evaluations is preserved by a fundamental principle: ratings are completed before any affiliate program is established. An unfavorable rating will never be removed or modified because a neobank opens an affiliate program with us. Similarly, a favorable rating will never be imposed or improved because a commercial partnership is formed. Our editorial process remains entirely independent from business relationships. This strict separation between editorial content and affiliate revenue is essential to our credibility. Complete details of our affiliate policy and AMF compliance are available in our respective disclosures, accessible from the site footer.
Data Verification Date
Each review published on AR360 — Finance displays a clear header notice: “[Verified on YYYY-MM-DD].” Given that banking fees, interest rates, and service conditions can change frequently, we have implemented a systematic 3-month re-verification cycle. If a review’s data is more than 3 months old, an automatic banner alerts readers to verify current information directly with the relevant institution. This approach ensures our readers have access to up-to-date information when making decisions.
Error Corrections
We place great importance on content accuracy. Any factual error reported to corrections@finance.affilreviews360.com is addressed within a maximum of 7 business days. When corrections are made to existing reviews, a clear notice “Updated: YYYY-MM-DD” is added at the top of the relevant article, accompanied by a brief explanation of the modification. This transparency allows readers to track revision history and trust the ongoing accuracy of our analyses.
Verdict Signatories
Each final verdict published on AR360 — Finance is signed by an identifiable human editor, in accordance with our “no auto-publish” policy. No verdict is published automatically by script or automated system without prior human validation. This approach ensures each analysis benefits from human expertise, careful verification, and assumed responsibility. Readers thus know they are consulting content written by an experienced professional, not an algorithm. This human signature strengthens the credibility and reliability of our editorial publications.