Affiliate and partner disclosure

1. The Core Disclosure

Affiliate and partner disclosure: this site earns money from a small number of authorised partner campaigns, currently Tide and Capital on Tap. Partner links are tracked. We do not accept payment for a positive verdict, and we publish who should not use a product as prominently as who should.

If you follow a tracked affiliate link on this site to partners such as Tide or Capital on Tap and subsequently open an account or apply for a product, we may receive a commission from that partner. This is a standard affiliate marketing practice and is entirely separate from any introductory reward or bonus you might personally receive directly from the partner's campaign.

2. Uncompromising Editorial Rules

Our primary rule is 'Policy first, product second'. We exhaustively explain the underlying operational rule, statutory obligation, or internal control — for instance, how to implement spending limits, or the mechanics of automatic enrolment — long before we introduce any commercial product that might facilitate it.

We are equally committed to publishing who should *not* use a product. Eligibility rules that exclude specific readers are highlighted prominently. For example, if Capital on Tap's business credit card is unavailable to sole traders, we state this explicitly upfront to prevent readers from wasting time on an application destined for rejection.

Promotional links, discount codes, and reward claims are dynamically rendered from a central, versioned data record. Should a campaign change or a partner suspend a promotion, we can deactivate every promotional element site-wide instantaneously, while ensuring the neutral, editorial description of the product remains intact and accessible.

We maintain a strict ethical stance against presenting a reward or cashback offer as a justification for borrowing money. This is stated unequivocally on all pages discussing credit products.

3. Partner Specifics: Tide

This page describes a Tide referral campaign. If you open an account through a tracked link on this site we may receive a referral payment, and you may receive a reward if you meet the campaign conditions. This does not change what we recommend or what we tell you about the product. Tide Platform Limited is not itself a bank. The Tide Business Current Account is powered by ClearBank, and Tide states that eligible deposits are FSCS protected up to £120,000. Other Tide services may use different protection arrangements; check the account documents shown during application.

Our coverage of Tide focuses exclusively on features relevant to building a small team: specifically, role-based access controls for bookkeepers or accountants, and debit-based expense cards for employees. We explicitly advise that it is not the appropriate solution for a business seeking substantial credit facilities.

4. Partner Specifics: Capital on Tap

This page describes a Capital on Tap campaign. If you apply through a tracked link on this site we may receive a payment. This does not change the eligibility rules, the risks or the alternatives we set out.

Because Capital on Tap provides a credit product, our editorial coverage rigorously sets out the strict eligibility rules, the mandatory requirement for a personal guarantee, and the reality that approval and credit limits are entirely subject to status. This information is presented alongside any promotional reward. Readers experiencing financial distress are actively directed towards free, independent debt advice rather than encouraged toward a credit application.