Affiliate Disclosure

Last updated: September 2026

1. What this disclosure covers

This page explains how AINext Growth earns money and how that affects — and does not affect — what you read here. It applies to every page on the site.

It exists because transparency about commercial relationships is a legal requirement, not a courtesy. In the United States, the Federal Trade Commission requires that material connections between a publisher and an advertiser be disclosed clearly and conspicuously. In the United Kingdom, the Financial Conduct Authority and the Advertising Standards Authority apply equivalent rules to financial promotions. We would rather over-disclose than fall short of either standard.

2. How the site is funded

There are two sources of revenue, and nothing else:

• Display advertising. Advertisements served on the page. We do not choose which specific advertisers appear, and we cannot see who clicks what.
• Affiliate commissions. If you follow a labelled link to a bank, lender or financial service and go on to open an account or complete an application, that company may pay us a referral fee. You pay nothing extra — the price or rate you are offered is the same whether you arrive through us or directly.

We do not sell user data. We do not operate a paid subscription. We do not accept payment to publish a guide, and we do not sell editorial placement.

3. How you can tell which links are advertising

Every monetised link on this site is marked in two ways:

1. A label next to the link. You will see wording such as “Ad”, “Sponsored” or a short disclosure line directly beneath the link.
2. A visible disclosure sentence. Any block containing an affiliate link carries a line stating that we may earn a commission, linking back to this page.

Technically, monetised links also carry rel="sponsored" and rel="nofollow" attributes. Those are instructions to search engines, not to you — but they are the honest signal, and we do not hide them.

If you ever see a link that looks commercial but is not labelled, treat it as a mistake on our part and tell us. That is a bug, and we will fix it.

4. What must stay true regardless of money

These are commitments, not aspirations. If we break one, the site has failed at its purpose.

• No commercial relationship changes a calculation. The formulas in our methodology are the standard amortisation and repayment formulas. Nobody can pay us to alter them.
• No lender buys a ranking. When we compare products, the order and the criteria are set before we know which programmes will pay us, and the criteria are stated on the page.
• No affiliate programme gets a page we would not otherwise write. We do not publish content solely because a programme exists. Coverage follows reader demand.
• We will publish a comparison that earns us nothing. Where an unmonetised product is genuinely better, it is listed as better.
• We will name drawbacks. Fees, eligibility restrictions, protection gaps and licensing limits are stated on the same page as the product, not buried.
• We will tell you when we do not know. If we cannot verify a rate or a rule, we say so rather than estimating silently.

5. What we will not do

• We will not recommend a product we have no basis to recommend.
• We will not present a referral link as a neutral editorial link.
• We will not use urgency or scarcity language to push a decision.
• We will not promise approval, a specific rate, or a guaranteed financial outcome.
• We will not ask you for account credentials, card numbers or identity documents.
• We will not publish a link to an unregulated lender or a scheme we cannot identify a regulator for.

6. Advertising and editorial separation

Display advertising on this site is served programmatically. We do not hand-pick individual advertisers, and no advertiser has input into what we write, what we rank, or what we publish.

Where an advertiser's product appears inside an article, it does so because it meets the criteria set out on that page and is labelled as advertising where a payment relationship exists.

7. Risk warning

If you are struggling with existing debt, contact a free and independent debt advice service in your country before taking on further borrowing.

8. Where we are not licensed to advise

AINext Growth is a publisher. We are not authorised or regulated to give financial advice, we do not arrange or broker financial products, and we do not act as an intermediary between you and any lender or bank. Where a page links to a provider, that provider is solely responsible for the product, the application process, the decision and the terms.

9. Questions

If anything about how this site earns money is unclear, ask. Email contact@ainextgrowth.com and we will answer directly.

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