Affiliate Disclosure

1. FTC Compliance Statement

In accordance with the United States Federal Trade Commission (FTC) guidelines outlined in 16 CFR Part 255, Guides Concerning the Use of Endorsements and Testimonials in Advertising, SmartWealth AI discloses that this website participates in affiliate marketing programs.

This means that SmartWealth AI may receive a commission or compensation when visitors to this site click on affiliate links and complete a qualifying action (such as making a purchase, opening an account, or signing up for a service).

This disclosure applies to all content published on SmartWealth AI, including articles, blog posts, tool pages, resource sections, email newsletters, and any other formats where affiliate links may appear.

2. What Is Affiliate Marketing?

Affiliate marketing is a performance-based marketing arrangement where a website owner (SmartWealth AI) promotes products or services from third-party companies ("merchants" or "affiliate partners") and receives a commission when site visitors take a specific action through a tracked link.

Common affiliate actions include:

• Opening a brokerage or bank account
• Subscribing to a financial app or software
• Purchasing a financial product, book, or course
• Signing up for a credit card
• Completing a loan application

Affiliate links are tracked using unique identifiers in the URL. When you click an affiliate link, the merchant's system records that you came from SmartWealth AI and attributes any qualifying action to us.

3. How Our Affiliate Relationships Work

SmartWealth AI currently participates in affiliate marketing programs through:

• Direct affiliate partnerships with individual companies
• Affiliate networks (intermediary platforms that connect publishers with merchants)
• Financial product referral programs

When you click a link on SmartWealth AI that leads to a product or service we may receive compensation for, you will typically be taken directly to the company's website. The affiliate tracking is invisible to you as a user — the experience is the same as visiting the company's site directly.

4. Our Editorial Standards

Affiliate relationships do not determine what we recommend. Our editorial process works as follows:

1. We evaluate products on their merits first. Our primary criterion for any recommendation is whether the product genuinely serves our readers' financial interests.
2. Affiliate relationships may follow, not lead. We do not seek out products to recommend based on commission rates. We may apply to affiliate programs for products we were already planning to mention.
3. We disclose affiliate relationships prominently. When content contains affiliate links, we say so clearly — either in a site-wide disclosure like this one or with in-article notifications.
4. We do not accept payment for editorial positions. No company can pay SmartWealth AI to be rated #1, to be called "best," or to receive a positive review. Sponsored content (when and if it exists) is clearly labeled as such.
5. We may recommend non-affiliate products. Many products and services mentioned on SmartWealth AI have no affiliate relationship. We recommend them because they serve readers well.

Claudio Galleguillos, as author and platform operator, is committed to the principle that reader trust is worth more than any affiliate commission. Recommendations that damage trust are not worth making.

5. Does It Cost You More?

No. Using an affiliate link to click through to a product or service costs you nothing extra compared to visiting the company's site directly. The commission SmartWealth AI earns (when applicable) comes from the merchant's marketing budget, not from your purchase price.

In some cases, affiliate programs offer exclusive bonuses for visitors referred through affiliate links — such as a sign-up bonus, waived fees, or a free trial period that might not be available if you visited the company directly. When these exist, we note them in our content.

6. Types of Compensation

Compensation received through affiliate marketing may include:

• Cost-per-action (CPA): A flat fee when a referred visitor completes a specific action (account opening, subscription, purchase)
• Revenue share: A percentage of revenue generated from referred customers
• Cost-per-click (CPC): A small fee each time a referred visitor clicks through (rare)
• Hybrid models: Combinations of the above

We do not receive free products, services, or gifts from affiliate partners in exchange for positive reviews or recommendations without disclosure.

7. Current Affiliate Relationships

SmartWealth AI may maintain affiliate relationships with companies in the following categories:

• Online brokerage platforms and investment accounts
• High-yield savings accounts and banking products
• Personal finance apps and budgeting software
• Financial books and educational resources
• Credit monitoring services
• Tax preparation software
• Financial courses and coaching programs

Specific affiliate partners and programs may change over time. If you have questions about whether a specific recommendation carries an affiliate relationship, please contact us at contacto@tools-nova.com.

This disclosure applies to affiliate programs available to residents of any country where SmartWealth AI has visitors, including programs governed by the FTC (United States), ASA (United Kingdom), ACCC (Australia), and similar bodies worldwide.

8. Questions

If you have any questions about this Affiliate Disclosure, our editorial practices, or specific recommendations, please contact:

We believe in full transparency and are happy to discuss any aspect of our monetization model or editorial process.