Affiliate Disclosure

Last Updated: January 18, 2025

In the interest of full transparency, we want you to know exactly how PennyStack operates and how we generate revenue to keep this website running.

What Are Affiliate Links?

Affiliate links are special tracking links that allow us to earn a commission when you click on them and make a purchase or sign up for a service. This commission comes at no extra cost to you - the price you pay is exactly the same whether you use our link or go directly to the company's website.

Our Affiliate Partnerships

PennyStack participates in various affiliate marketing programs, including but not limited to:

  • Financial institutions and banks
  • Investment platforms and brokerages
  • Personal finance software and tools
  • Credit card companies
  • Insurance providers
  • Online courses and educational resources

Our Editorial Standards

While we do earn commissions from affiliate relationships, our recommendations are based on:

  • Thorough research: We extensively research products and services before recommending them
  • Real value: We only recommend products we believe provide genuine value to our readers
  • Personal experience: Whenever possible, we test products ourselves
  • Editorial merit: Our content decisions are made independently of affiliate commissions

How to Identify Affiliate Links

We clearly mark affiliate links throughout our website in the following ways:

  • Disclosure statements near affiliate links
  • Asterisks (*) indicating affiliate relationships
  • Clear language explaining the affiliate nature of recommendations

Your Trust Matters

We take our relationship with you seriously. Your trust is more valuable to us than any commission. We will never recommend a product solely because it offers a high commission. If we recommend something, it's because we genuinely believe it can help you improve your financial situation.

FTC Compliance

This disclosure is in accordance with the Federal Trade Commission's 16 CFR, Part 255: "Guides Concerning the Use of Endorsements and Testimonials in Advertising."

Not Financial Advice

The content on PennyStack is for informational and educational purposes only. It is not intended as financial, investment, tax, or legal advice. Always consult with qualified professionals before making financial decisions. We are not responsible for any losses or damages resulting from using information on this website.

Regulatory Status

PennyStack is an educational content and affiliate marketing website. We are not:

  • A licensed financial advisor or investment firm
  • Regulated by the Financial Conduct Authority (FCA) in the UK
  • Authorized to provide personalized financial advice
  • A financial services provider

We provide general educational content about personal finance topics. Any financial products or services referenced on our site are provided by third-party companies that may be regulated entities. Always verify the regulatory status of any financial provider before engaging their services.

Questions?

If you have any questions about our affiliate relationships or how we operate, please don't hesitate to contact us. We're committed to transparency and are happy to answer any questions you may have.