Advertising Policy and Disclosure

Updated 8 June 2020

​To provide independent, objective and 100% unbiased content, MoneyHub.co.nz generates income from this site in a few ways:

Display advertising

The first income source is generated from advertisements you see showing up on individual pages. These spaces are contracted through the Google Adsense, and MoneyHub.co.nz has no influence or control in what advertisers are selected, or what ads are shown. Some pages are purposely advert-free, such as most student-related guides, specific investment platform guides, and other core pages.

Affiliate relationships

The second source of income is deduced from affiliate relationships. Our process is always to write a guide first, and then, after publication, reach out to the relevant entity to offer an advert-free guide. As with all aspects of MoneyHub, we only wish to promote products we believe are market-leading. For this reason, we rarely reach out to entities.

Day to day, we believe in sharing the best deals we can find in the market, and will also do this irrespective of any commercial arrangement.

​At present, the following companies offer a potential commission per sale:

• TransferWise
• AC Nielsen
• i-Say
• American Express
• Harmoney
• LifeDirect
• PetPlan
• Lending Crowd
• Amazon Services LLC​

We are inundated with requests on a daily basis from companies wanting exposure on MoneyHub.co.nz. We ignore all such requests. Only in rare cases, such as where the product or service is market-leading (i.e. those listed above) will you find outbound links from MoneyHub.co.nz to their website. In such instances, only our sales team will initiate any potential relationship.

Trades
We also have a range of trade service providers who pay a monthly to elevate their positioning on specific pages, as well as have buttons and click-through phone numbers. We invite certain professionals that our research team believes are among the best in the business to enhance their listing, and continue to ensure their services are industry-leading. We are not paid per signup. 

Trading, Platforms, Insurers and Managed Funds
We have a number of commercial arrangements with share trading platforms and fund managers. These include Hatch, Stake, Sharesies and others. We are not paid per signup or successful initial transaction. Instead, we charge a monthly fee to promote them through our social channels, newsletter and enhance the page with multiple links to their website. 

Email Distributions
We may, in some instances, distribute emails to our subscribers based on share goals - brand awareness, raising awareness of products and/or concepts, and special promotions. In such instances, we will mark these as "in collaboration with". 

​Sponsored posts

In rare cases, we will brand an existing guide with a relevant entity’s branding. The content is not ‘sponsored’ by definition in that it is not promoting the entity directly. Nonetheless, in such cases, MoneyHub will always label the page with additional disclosure about the partnership, so that you know the content itself is objective, but supported by a related entity. You can see an example here. Any partner content does not promote the partner beyond brand awareness.

We have carefully reviewed the comprehensive Advertising Standards Authority codes for general advertising and financial advertising codes, and continue to follow the best-best practice guidance. MoneyHub is not an ASA member, nor does it pay any ASA levies. 

Nominal IP licence

From time to time, MoneyHub will publish our Editor's Pick and Most Trusted lists. Entities named have the option to mention our listing for a nominal payment. We do not publish the awards for payment.

IT Services

MoneyHub will, from time to time, provide SEO consulting services to unrelated entities.

​Editorial disclosure

All the opinions, ideas, and analysis at MoneyHub are my own, or those of my contributors, in which case they are representing their own opinions. None of the financial entities we work with can edit our content, and unless expressly noted, none of our posts are sponsored or endorsed by any other entity.

Ethics policy
In addition to the above disclosures, we abide by a strict ethics policy:

1. We don’t accept any other in-kind “gifts” that could present a conflict of interest
2. We don’t participate in any form of pay-for-play coverage
3. We don’t let financial institutions know we’re researching their products in advance

We appreciate the support MoneyHub receives throughout New Zealand, and we look forward to growing the users in 2020 and beyond.

Thank you so much for reading, and as always – please let me know if you have any questions.

Kind Regards,
Christopher Walsh ([email protected])