Affiliate Disclosure

Affiliate Disclosure — SmartCentHub
FTC Compliant

Affiliate Disclosure

Full transparency about how SmartCentHub earns revenue and how that affects our recommendations.

Effective: May 2026
FTC Compliant
contact@smartcenthub.com

Short version: Some links on SmartCentHub are affiliate links. If you click and sign up or purchase, we may earn a commission — at no extra cost to you. This helps keep our content free. We only recommend what we genuinely believe in.

In accordance with the FTC’s guidelines (16 CFR Part 255) on endorsements and testimonials, SmartCentHub is required to disclose any material connection between our site and the products or services we recommend. This page explains that relationship in full.

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What Is an Affiliate Link?

An affiliate link is a special tracked URL that tells a company you came from SmartCentHub. When you click an affiliate link and complete a qualifying action — such as opening an account, signing up for a service, or making a purchase — we may receive a small commission from that company.

💡 Important: The price you pay is exactly the same whether or not you use our affiliate link. In many cases, our affiliate partnerships allow us to share exclusive offers or bonuses that you wouldn’t find elsewhere.

Affiliate links are typically found in article reviews, product comparisons, “best of” lists, and recommendation sections throughout SmartCentHub.

Our Editorial Principles

Affiliate revenue helps keep SmartCentHub free for everyone. But it never influences our editorial content. Here’s how we operate:

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Research First
We research every product independently before recommending it.
Honest Reviews
We highlight both pros and cons — even for affiliate partners.
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No Pay-to-Play
Companies cannot pay us to feature or rank their products higher.
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Always Disclosed
Affiliate relationships are always disclosed on relevant pages.

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Our Affiliate Partners

SmartCentHub works with affiliate programs in the personal finance space. Below are the types of partners we may work with:

Credit Credit card issuers & credit monitoring services e.g. Capital One, Credit Karma, Experian
Investing Brokerage accounts & investing platforms e.g. Fidelity, Charles Schwab, Betterment
Banking Online banks & high-yield savings accounts e.g. Marcus, Ally Bank, SoFi
Tools Budgeting apps & personal finance software e.g. YNAB, Mint, Personal Capital

This list is not exhaustive. Any article featuring a product recommendation may include affiliate links. We will always disclose this at the top or bottom of the relevant article.

How affiliate commissions work

Here’s exactly what happens when you click an affiliate link on SmartCentHub:

1
You click a link
A cookie is placed in your browser that identifies SmartCentHub as the referral source.
2
You sign up or purchase
You complete an action on the partner’s website — at the same price as always.
3
We earn a commission
The partner company pays SmartCentHub a referral fee — typically a flat amount or small percentage.
4
We reinvest in content
Revenue goes toward researching and publishing more free, high-quality guides for our readers.

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Our Promise to You

We will never recommend a product solely because it pays a higher commission. If a product doesn’t genuinely serve our readers, we won’t feature it — period.

  • We decline affiliate partnerships with products we wouldn’t personally use
  • Negative aspects of products are always disclosed in our reviews
  • Our rankings and comparisons are based on objective criteria, not commission rates
  • If a better free alternative exists, we’ll recommend it even if it pays no commission

If you ever feel a recommendation on SmartCentHub doesn’t serve your best interest, we want to know. Contact us at contact@smartcenthub.com.

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FTC Compliance

This disclosure is made in accordance with the Federal Trade Commission’s guidelines on endorsements and testimonials in advertising, as outlined in 16 CFR Part 255.

SmartCentHub is committed to full compliance with all FTC disclosure requirements. Affiliate relationships are disclosed at the site level (this page), at the article level (disclosure notice), and inline where relevant.

Questions about our affiliate relationships?

We believe in full transparency. If you have any questions about how we earn revenue or how it affects our content, reach out directly.

Contact David Reynolds →