Advertising Policy and Disclosure
|
Written by MoneyHub's Founder Christopher Walsh
Updated 27 August 2022 MoneyHub's mission is to be your most trusted ally in your pursuit of financial information. Our focus centres around bringing you authoritative, approachable, and actionable financial information that helps you to make the best choices. The content we publish is researched and updated under the strictest of guidelines to ensure accuracy and clarity. MoneyHub Group Limited, the owner of MoneyHub.co.nz, is funded through the sale of advertising and affiliate sign-ups that appear on selected pages. Please be aware our editorial team is entirely inflexible about our editorial control and autonomy. For example, we do not work with clients who offer substandard products and services. Furthermore, we do not allow sponsors to influence MoneyHub's editorial content. In some cases, MoneyHub may offer co-branded content in partnership with our sponsors and/or present content created by our sponsors. This content is always clearly labelled. If you'd like to advertise with MoneyHub, contact us here. To provide independent, objective and 100% unbiased content, MoneyHub.co.nz generates income from this site in a few ways: |
|
|
Display advertisingIn very rare cases, we may display Google AdSense adverts. MoneyHub.co.nz has no influence or control in what advertisers are selected, or what ads are shown. 99% of our pages are purposely advert-free, but, in some cases, Google AdSense will appear.
|
|
Affiliate relationshipsThe 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. 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 charge a monthly fee to promote them through our social channels, newsletter and enhance the page with multiple links to their website. In some cases, we may also charge a fee per successful acquisition. 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 postsIn 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 licenceFrom time to time, MoneyHub will publish our Editor's Pick and Most Trusted lists. Entities named have the use our branding in their marketing campaigns for a nominal payment.
|
Our Advertising Guidelines
These are the specific guidelines we follow about the types of advertising we accept:
1. Co-branding guides
We maintain sole discretion to work with relevant companies to help share information. We may reject, cancel, or remove any co-branding at any time and for any reason. In doing so, we will notify the advertiser of such a decision. We also reserve the right to determine the appropriate placement of co-sponsorship branding on MoneyHub.
2. We don't endorse any product or service.
We encourage every MoneyHub user to compare their options. We sometimes will shortlist products or services, and some companies providing these goods or services may have existing relationships with us. We disclose this accordingly. Under no circumstances should the inclusion of a product or service be considered an endorsement. In some cases, MoneyHub's research team may rate or rank certain products or services. We do so based on numbers (e.g. fees, interest rates etc.) and/or at the research team's discretion.
3. We clearly distinguish between co-sponsored and non-sponsored content.
MoneyHub seeks co-sponsorships from trusted and credible research companies who lead their fields. Co-sponsorships provide financial benefit to MoneyHub and benefit our users by providing current information and expertise in otherwise unexplored topics. Guides that are co-sponsored by an advertiser are at the discretion of our team. We ensure that there is no cross-promotion or undue advantage of an advertiser in the contents of a co-sponsored guide
4. Our affiliates are market-leading
As part of the article creation process, our research team will include links to relevant products and services. We only work with affiliates that offer market-leading products or services. We always strive for completeness and list as much of the market for a product or service as possible. However, we want you to know that MoneyHub may receive a payment if you make a purchase or application at a retailer's site.
5. We clearly distinguish paid promotions
Occasionally, MoneyHub will work with products, services, or organisations that align with our mission. MoneyHub extensively vets such organisations and their products and/or services to ensure they align with the interests of our users. Examples may include Electronic Direct Mail Marketing (EDMs) and one-off discounts for signing up for a product using a MoneyHub code. We only work with partners who offer top products; we have no interest in profiting by directing people to a bad experience. Partner pages may also include a "MoneyHub" link that takes users to a page that explains the nature of the partnership.
1. Co-branding guides
We maintain sole discretion to work with relevant companies to help share information. We may reject, cancel, or remove any co-branding at any time and for any reason. In doing so, we will notify the advertiser of such a decision. We also reserve the right to determine the appropriate placement of co-sponsorship branding on MoneyHub.
2. We don't endorse any product or service.
We encourage every MoneyHub user to compare their options. We sometimes will shortlist products or services, and some companies providing these goods or services may have existing relationships with us. We disclose this accordingly. Under no circumstances should the inclusion of a product or service be considered an endorsement. In some cases, MoneyHub's research team may rate or rank certain products or services. We do so based on numbers (e.g. fees, interest rates etc.) and/or at the research team's discretion.
3. We clearly distinguish between co-sponsored and non-sponsored content.
MoneyHub seeks co-sponsorships from trusted and credible research companies who lead their fields. Co-sponsorships provide financial benefit to MoneyHub and benefit our users by providing current information and expertise in otherwise unexplored topics. Guides that are co-sponsored by an advertiser are at the discretion of our team. We ensure that there is no cross-promotion or undue advantage of an advertiser in the contents of a co-sponsored guide
4. Our affiliates are market-leading
As part of the article creation process, our research team will include links to relevant products and services. We only work with affiliates that offer market-leading products or services. We always strive for completeness and list as much of the market for a product or service as possible. However, we want you to know that MoneyHub may receive a payment if you make a purchase or application at a retailer's site.
5. We clearly distinguish paid promotions
Occasionally, MoneyHub will work with products, services, or organisations that align with our mission. MoneyHub extensively vets such organisations and their products and/or services to ensure they align with the interests of our users. Examples may include Electronic Direct Mail Marketing (EDMs) and one-off discounts for signing up for a product using a MoneyHub code. We only work with partners who offer top products; we have no interest in profiting by directing people to a bad experience. Partner pages may also include a "MoneyHub" link that takes users to a page that explains the nature of the partnership.
MoneyHub's 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:
Ethics policy
In addition to the above disclosures, we abide by a strict ethics policy:
- We don’t accept any other in-kind “gifts” that could present a conflict of interest
- We don’t participate in any form of pay-for-play coverage
- 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 (christopher@moneyhub.co.nz)
Thank you so much for reading, and as always – please let me know if you have any questions.
Kind Regards,
Christopher Walsh (christopher@moneyhub.co.nz)
