Advertiser Disclosure

**Last Updated:** January 14, 2025

## Full Disclosure Statement

**The Smart Investor participates in affiliate marketing programs, which means we may earn commissions when you click on certain links and are approved for financial products or services.**

This website contains affiliate links, which means Mann Media LLC, doing business as The Smart Investor, receives a commission if you make a purchase or open an account using our links. This comes at no additional cost to you. In fact, sometimes you may receive a special bonus or promotional offer through our links.

**In accordance with the Federal Trade Commission's 16 CFR Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising,” we want to be completely transparent about our relationship with the financial institutions and services we recommend.**

### What You Should Know:

1. **Product Placement**: Compensation may influence which products appear on our site and where they appear. Products from partners who pay us may be featured more prominently than those who don't.

2. **Product Selection**: We may be more likely to write about products from companies with whom we have affiliate relationships. However, we also write about many products with no affiliate relationship.

3. **Rankings and Recommendations**: While we strive for objectivity, the potential to earn commissions may subconsciously influence our rankings. Products with higher commissions might receive more favorable placement.

4. **Personalized Recommendations**: The widget recommendations and personalized suggestions you see in your dashboard may prioritize products from our affiliate partners.

5. **Not All Links Are Affiliate Links**: We include many links to products and services that don't earn us any commission. We do this when we believe it provides value to our readers.

## Our Commitment to Editorial Independence

Despite our affiliate relationships, we maintain editorial independence through:

### Separate Teams
Our editorial team operates independently from our business development team. Writers and reviewers create content based on research and expertise, not commission rates.

### Research-Based Reviews
All reviews and ratings are based on:
– Extensive product research
– Comparison of features and fees
– Analysis of customer reviews
– Industry expertise
– Standardized evaluation criteria

### Transparency
We disclose affiliate relationships and strive to be transparent about how we make money.

### Honest Opinions
We share both pros and cons of products, even those from affiliate partners. If a product isn't right for certain users, we say so.

## What This Means for You

### No Additional Cost
Using our affiliate links **never** costs you extra. In fact, you might get exclusive bonuses or promotional rates available only through our links.

### Price Comparison
The prices, rates, and fees you see through our links are the same as (or sometimes better than) going directly to the provider's website.

### Your Choice
You're never obligated to use our links. You can always navigate directly to any financial institution's website if you prefer.

### Supporting Our Work
When you use our affiliate links, you help support our free content and services. This allows us to:
– Maintain a full-time editorial staff
– Provide free educational content
– Develop helpful tools and calculators
– Keep our AI-powered chat assistant free
– Continue improving our services

## Products We Review Without Affiliate Relationships

We also review and recommend products where we have no financial relationship. We do this because:
– The product provides exceptional value
– It fills a specific need for our users
– It's important for comprehensive comparisons
– We believe in providing complete information

## How to Identify Affiliate Links

While we strive to disclose affiliate relationships clearly, here are ways to identify them:
– Look for disclosure statements near product links
– Check if links go through redirect URLs
– Notice if URLs contain tracking parameters
– See affiliate network names in link URLs (cj.com, impact.com, etc.)

## Federal Trade Commission (FTC) Compliance

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

The FTC requires that we disclose any financial relationship between our company and the companies whose products we discuss or recommend. This affiliate disclosure provides that information.

## Testimonials and User Reviews

When we feature testimonials or user reviews:
– We disclose if the reviewer received any compensation
– We don't modify or edit authentic user feedback
– We include both positive and negative reviews when available
– We verify reviews when possible

## Social Media Disclosures

When sharing affiliate links on social media, we use appropriate disclosures such as:
– #ad
– #affiliate
– #sponsored (when applicable)
– Clear written disclosures in posts

## Changes to Our Affiliate Relationships

We regularly add new affiliate partnerships and occasionally end others. This disclosure covers all current and future affiliate relationships unless otherwise noted.

## Questions About Our Affiliate Relationships

We believe in complete transparency. If you have questions about:
– Whether a specific link is an affiliate link
– Our relationship with a particular company
– How we choose affiliate partners
– Our editorial process

Please contact us at: baruch.s@infoforinvestors.com

## Your Privacy and Affiliate Tracking

When you click an affiliate link:
– A cookie may be placed on your device to track the referral
– This cookie typically lasts 30-120 days
– Only non-personal tracking IDs are shared with partners
– Your personal information is never sold to affiliates
– See our Privacy Policy for more details

## Medical, Legal, and Financial Advice Disclaimer

Affiliate relationships never change the fact that:
– We are NOT financial advisors
– Content is for educational purposes only
– You should consult qualified professionals for personal advice
– Past performance doesn't guarantee future results

## State-Specific Disclosures

Some states require additional disclosures:

### California
Under California law, we must disclose that we may receive compensation for referrals to financial services.

### New York
New York residents should be aware that financial product availability and terms may vary by state.

## International Visitors

If you're visiting from outside the United States:
– Product availability varies by country
– Affiliate programs may not track international conversions
– Always verify product availability in your jurisdiction

## Our Promise to You

Despite our affiliate relationships, we promise to:
1. Provide honest, accurate information
2. Disclose conflicts of interest
3. Include products without affiliate relationships when they're best for users
4. Update content regularly to maintain accuracy
5. Respond to user feedback and concerns
6. Maintain editorial independence
7. Never let commissions be the sole factor in recommendations

## Contact Information

**Mann Media LLC**
d/b/a The Smart Investor
30 N Gould St, Ste R
Sheridan, WY 82801
Email: baruch.s@infoforinvestors.com

Thank you for your trust and support. We're committed to helping you make informed financial decisions, whether or not we earn a commission.

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**Remember:** Always do your own research and consult with qualified professionals before making financial decisions. Our content is educational and should not be considered personalized financial advice.

**© 2025 Mann Media LLC. All rights reserved.**