Affiliate Disclosure

Last updated: February 18, 2026

RateLab.ca is an independent consumer information website. We publish educational content to help Canadians understand insurance and personal finance topics, compare options, and ask better questions when shopping for coverage, credit products, or borrowing.

How RateLab.ca makes money

Some links on RateLab.ca are affiliate links or lead to comparison tools provided by third-party partners (for example, quote comparison tools or product offer pages). If you click a partner link or use a partner tool, we may earn compensation (such as an affiliate commission or referral fee). This helps fund the Site and keep our content free to read.

Does compensation influence what we publish?

No. Compensation does not determine our editorial topics, conclusions, or guidance. We aim to provide neutral, practical information that helps readers compare options on an apples-to-apples basis.

Depending on the topic, an apples-to-apples comparison may include using consistent inputs such as:

  • Insurance: the same liability limits, deductibles, endorsements, listed drivers, and vehicle or property use details.

  • Mortgages and loans: the same term, amortization, product type (fixed or variable), and key assumptions (such as payment frequency and down payment).

  • Credit cards: the same fee assumptions, interest rate considerations, and realistic rewards redemption assumptions.

Our editorial independence

  • We do not accept payment in exchange for positive coverage or guaranteed rankings.

  • When we mention providers, tools, or services, we focus on consumer-relevant details such as key terms, eligibility criteria, fees, common exclusions or limitations, and practical questions to ask.

  • If content is sponsored, we label it clearly as sponsored or advertising.

Third-party websites and tools

Partner links may take you to third-party websites that are not controlled by RateLab.ca. Third parties have their own terms, eligibility rules, and privacy policies. Any quote, rate, premium, price, coverage decision, approval outcome, or product terms you see on a partner site are determined by that third party, not RateLab.ca.

Not professional advice

RateLab.ca is not an insurance company, brokerage, lender, bank, mortgage brokerage, credit card issuer, or investment dealer. Our content is for general informational purposes only and is not insurance, mortgage, financial, legal, tax, or investment advice. For advice specific to your situation, speak with a qualified professional.

Questions

If you have questions about this Affiliate Disclosure, contact us at hello@ratelab.ca.