Affiliate Disclosure

Harness Money is a for-profit website.

Some articles, emails, newsletters, social-media posts, videos, downloads, and other content published by Harness Money may contain affiliate links, referral links, sponsored links, advertisements, or other compensated recommendations.

This Affiliate Disclosure explains how Harness Money may receive compensation and how that compensation may relate to the content you see.

What Is an Affiliate Link?

An affiliate link is a specially tracked link to a third-party website, product, or service.

When you click an affiliate link and complete a qualifying action, Harness Money may receive compensation. A qualifying action may include:

Making a purchase
Applying for a credit card
Opening a bank or brokerage account
Registering for a service
Starting a free trial
Subscribing to a product
Completing another action specified by the affiliate partner

You generally will not pay a higher price solely because you used an affiliate link, although all prices, rates, fees, and terms are controlled by the third-party provider.

Compensation

Harness Money may receive compensation in the form of:

Cash commissions
Referral fees
Advertising revenue
Free products or services
Discounted products or services
Credits
Travel points or rewards
Sponsorship payments
Other financial or nonfinancial benefits

This compensation may influence which products, services, companies, or offers appear on the Website and where they are placed.

Harness Money does not guarantee that every available product, company, or offer will be reviewed or displayed.

Credit-Card and Financial-Product Offers

Harness Money may receive compensation when readers click, apply for, or are approved for certain credit cards, bank accounts, brokerage accounts, financial applications, loans, insurance products, or other financial services.

The availability and terms of these offers are controlled by the applicable provider and may change without notice.

Harness Money is not responsible for determining:

Whether you qualify
Whether your application is approved
Your credit limit
Your interest rate
The fees you are charged
The rewards or promotional bonus you receive
Whether an offer is appropriate for your circumstances

Not every financial institution, credit-card issuer, or available offer is represented on Harness Money.

Compensation may affect which offers are featured, but it does not change the fact that you should independently compare products and review the provider’s official terms before applying.

Our Opinions

Unless clearly stated otherwise, opinions expressed on Harness Money are the personal opinions of the author.

Receiving compensation does not guarantee a positive review or recommendation.

Harness Money aims to present honest opinions, experiences, advantages, disadvantages, and risks. However, all reviews and recommendations are subjective and may not reflect your experience.

You should conduct your own research before purchasing, applying for, or relying on any product or service.

Personal Use of Products

Harness Money may discuss products or services that the author personally uses, has previously used, owns, or has evaluated.

When appropriate, we may disclose whether:

A product was purchased personally
A product or service was provided for free
Compensation was received
The author has a financial interest in a company or investment
The author holds a credit card, account, security, or product being discussed

Personal use does not guarantee that a product is appropriate for you.

Advertising

The Website may display advertisements provided directly by advertisers or through third-party advertising networks.

Harness Money may receive payment based on:

The number of advertisements displayed
Advertisement clicks
Completed purchases or applications
Other engagement or performance measurements

The appearance of an advertisement does not mean that Harness Money personally recommends or guarantees the advertised product or service.

Disclosure Placement

When content contains a material affiliate, sponsorship, or compensation relationship, Harness Money may place a disclosure:

Near the beginning of an article
Near an affiliate link
Next to a recommendation
Within a comparison table
In a video or audio presentation
In a social-media post
In an email or newsletter

Examples of shorter disclosures may include:

Affiliate disclosure: Harness Money may earn a commission when you use links on this page, at no additional cost to you.

Advertising disclosure: Some offers on this page are from companies that compensate Harness Money. Compensation may affect how and where offers appear.

Sponsored content: This content was created in partnership with a paid sponsor.

A link to this full Affiliate Disclosure does not replace a clear disclosure near a recommendation when a more immediate disclosure is appropriate.

Third-Party Responsibility

Products, services, offers, prices, rates, fees, rewards, terms, and availability are controlled by third parties.

Harness Money does not guarantee that information from an affiliate partner is accurate, complete, or current.

Before completing a transaction or application, review the official information provided by the applicable company.

Your relationship with a third-party provider is governed by that provider’s agreements, policies, disclosures, and privacy practices.

Harness Money is not responsible for:

Product performance
Application decisions
Billing disputes
Account closures
Service interruptions
Changes to rewards or benefits
Customer-service issues
Losses resulting from a third-party product or service

Investment Holdings and Conflicts of Interest

Harness Money may discuss publicly traded companies, funds, securities, or other investments in which the author has a financial interest.

When applicable, the author may own, buy, sell, or otherwise hold a position in an investment discussed on the Website.

The author may change a position without updating previously published content.

A financial interest may create an actual or potential conflict of interest. Any discussion of an investment is for educational purposes and is not a recommendation to buy, sell, or hold a security.

Please review the full Financial Disclaimer before making an investment decision.

No Guarantee of Results

Harness Money does not guarantee that an affiliate product, financial product, service, investment, or strategy will:

Save you money
Generate income
Increase in value
Improve your credit
Produce investment returns
Meet your expectations
Be appropriate for your circumstances

Your results may differ based on your circumstances, choices, provider terms, market conditions, fees, taxes, and other factors.

Your Support

When you use an affiliate link, Harness Money may earn compensation that helps pay for website hosting, research, tools, content production, and continued operation of the Website.

You are never required to use an affiliate link. You may visit a provider’s website directly instead.

Questions

Questions about affiliate relationships or compensation may be sent to:

Harness Money
Website: harnessmoney.com
Email: theharnessmoneyreport@gmail.com
Location: Texas, United States