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We will NEVER recommend a product or service before conducting extensive research into its quality and value-for-money proposition.

No product or service will be featured in any of our editorial content unless we are happy to use it ourselves, or have already used it. No exceptions!

This means that we first evaluate the product/service on its merit and only then see if an affiliate link for it is available. It the product/service represents the best value possible, we will let you know about it whether we get a commission or not.

Affiliate links are one of the ways we generate revenue to ‘keep the lights on’ and cover our costs so that we can keep providing you with our information and research free of charge, while maintaining our editorial independence.

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Please also note that whenever we cover any financial products on this site, we only provide factual information based on our own understanding and research.

We are not licensed financial advisers and cannot provide you with either general or specific product advice. We also don’t take into account your personal situation and particular needs.