Purpose and Scope of This Page
This page specifies the editorial status of the website finance.affilreviews360.com with regard to Quebec’s financial services regulations. It is made publicly available to meet the transparency requirements of the Autorité des marchés financiers (AMF — Quebec’s financial markets authority) and the Competition Act (Canada). This document aims to clarify the nature of content published on this site, its informational scope, and the economic mechanisms underlying its operation.
The information contained in this disclosure applies to all editorial content on the site, including neobank reviews, comparisons, guides, and analyses published on finance.affilreviews360.com. This site commits to respecting ethical and legal standards applicable in Quebec regarding the dissemination of financial information.
Editorial Status — Critical Clarification
The website finance.affilreviews360.com is operated by InnovE-Tech Solutions, a company based in Quebec. InnovE-Tech Solutions is neither a broker, nor a registered financial advisor, nor a financial product distributor registered with the AMF. Consequently, InnovE-Tech Solutions is not registered in any AMF intermediary registry. The content published on the site is exclusively editorial and for informational purposes.
It does not constitute personalized financial, tax, legal, or investment advice under any circumstances. The analyses and recommendations provided are general in nature and do not take into account each reader’s personal, financial, or tax situation. For any personal decisions related to financial products, readers should consult a financial advisor registered with the AMF.
The list of registered advisors can be consulted on the official AMF website at lautorite.qc.ca. Site users are encouraged to verify the qualifications and registration of professionals they consider consulting for personalized advice.
Affiliate Mechanism
The site participates in public affiliate programs offered by certain neobanks, including Wealthsimple Refer, KOHO Refer, Neo Refer, EQ Bank, Tangerine, and Simplii. Third-party affiliate platforms such as Impact or ShareASale may also be used in some cases.
When a reader clicks an affiliate link and opens an account with a partner neobank, the site may receive a commission from said neobank. This commission does not alter in any way the pricing terms, interest rates, or services offered to the end user. No banking, personal, or financial information flows through the site’s servers: subscription occurs entirely on the secure platforms of the partner neobanks.
Affiliate links are systematically identifiable through a specific icon or clear mention such as “partner link,” “affiliate link,” or “sponsored link.” These mentions appear in texts, comparison tables, and promotional boxes. For more details, please consult the “Affiliate Disclosure” page available on our site.
Editorial Independence
A neobank’s rating is systematically completed before implementing any affiliate program with that neobank. No commission, present or future, can influence, purchase, or modify a ranking, score, or favorable mention. A neobank with an unfavorable rating retains that rating even if an affiliate program becomes active later, and vice versa.
The rating process is designed to guarantee the impartiality and transparency of evaluations. Criteria are applied uniformly, whether or not a neobank is a site partner. This approach ensures complete editorial independence, consistent with reader expectations and legal obligations.
For more information about our evaluation method, please consult the pages titled “Editorial Policy” and “How We Evaluate Neobanks,” which detail the indicators, information sources, and objective criteria used to establish our rankings.
Data Validity Date
Fees, interest rates, terms of use, and other neobank characteristics change frequently. Each review published on the site displays a date marker at the top indicating: “[Verified on YYYY-MM-DD].” This system informs readers about the freshness of presented information.
A systematic re-verification cycle is conducted every three months. If more than three months have elapsed since the last verification, an automatic banner appears at the top of the page to warn readers about potential information obsolescence. We strongly encourage readers to consult the relevant neobank’s official website to verify current characteristics before making any commitments.
This page itself displays its own verification date at the bottom. It is updated when substantial changes occur to our practices or commitments toward readers.
Recourse in Case of Complaint About a Neobank or Financial Service
In case of dispute or complaint regarding a service provided by a neobank or financial product, it is recommended to follow a two-step process. Step 1: first contact the internal complaints department of the relevant neobank. This often resolves the issue quickly and directly.
Step 2: if the internal department’s response is deemed unsatisfactory or if no response is provided within 30 days, you have the right to file an official complaint with the AMF. The authority has specific powers to handle complaints relating to financial institutions and services offered in Quebec.
Here are the AMF coordinates: phone: 1-877-525-0337; website: lautorite.qc.ca; filing a complaint: lautorite.qc.ca/grand-public/centre-dinformation/depot-dune-plainte; mailing address: Autorité des marchés financiers, Place de la Cité, Tour Cominar, 2640, boulevard Laurier, bureau 400, Québec (Québec) G1V 5C1.
To report a factual error on the site (for example, an incorrect interest rate, wrong fees, or obsolete condition), please write to corrections@finance.affilreviews360.com. A response will be provided within seven business days.
Site Contact Information
Publisher: InnovE-Tech Solutions, Quebec, Canada. General email: contact@finance.affilreviews360.com. For requests regarding factual error corrections: corrections@finance.affilreviews360.com. For all privacy-related questions and Law 25 matters: privacy@finance.affilreviews360.com.
Changes to This Page
Any substantial modification to this AMF disclosure page is indicated at the top of the current page, accompanied by the update date. The online version prevails as of the consultation date. The history of important versions can be communicated upon request to contact@finance.affilreviews360.com.
[Verified on 2025-04-15]