Transparency
Advertising Disclosure
MedMoneyGuide is free to use and has no affiliate or advertising relationships. We don’t earn commissions from links, we don’t run display ads, and no company pays to be featured. This page explains what that means and what would happen if it ever changed.
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The Short Version
No company pays MedMoneyGuide. We don't earn a commission when you click a link or choose a product we cover, and no provider pays to be included, listed first, or reviewed. If that ever changes, this page will be updated first and the links involved will be labeled where they appear.
No Paid Relationships
No Affiliate Commissions
Links to lenders, insurers, banks, booksellers, and other companies are plain links. We don’t earn a commission when you click one, apply for a product, or make a purchase, and no company pays to be included on a page or listed first.
No Display Ads
MedMoneyGuide does not currently show display or banner advertising, and we don’t use advertising or cross-site tracking cookies. If that ever changes, we will update this page and our Privacy Policy before any ads appear.
No Sponsored Content
MedMoneyGuide doesn’t publish sponsored articles or paid reviews. No company sees, edits, or approves a page before it is published.
What We Never Do
These practices are prohibited under our editorial policy today, and would stay prohibited if MedMoneyGuide ever accepted a paid relationship:
- 01Accept payment for a better position in a comparison table
- 02Let any company review or approve content before publication
- 03Decide which products to cover based on whether they would pay us
- 04Accept "pay-to-play" placements — a product cannot buy its way into a "best of" list
- 05Remove negative assessments or critical analysis from a review in exchange for payment of any kind
- 06Publish a paid link or paid placement without labeling it
Published in advance
The Rules Any Partnership Must Follow
MedMoneyGuide may begin working with a small number of companies whose products physicians already use, such as student loan refinancing lenders. None has been signed. We are publishing the rules first, so that any partnership has to fit them rather than the other way around.
Rankings first, deals second
Each comparison page publishes the criteria it ranks on. Rankings are set from those criteria and the providers’ own dated terms before we talk to any company about a partnership, and they are re-checked on the same schedule whether or not a company pays us. A partner can rank last; a company that pays nothing can rank first.
Same table, same data
Partners and non-partners appear in the same tables with the same dated terms. We don’t remove, hide or stop linking to a provider because it isn’t a partner, and we don’t add one because it is.
Labeled where you click
Every paid link is labeled “Paid link” next to the link itself, every page with one carries a disclosure at the top, and paid links are marked as sponsored for search engines. This page will list every partner by name, with the category and the date the relationship began.
You pay the same
A partnership can never raise the rate, price or fee you pay. If a partner offers a sign-up bonus to our readers, we show it, and we show comparable offers from non-partners too.
Only arrangements the law allows for that product
Some products limit how a publisher may be paid, and we follow the strictest reading. Mortgages: never a fee per closed loan; at most a flat advertising fee, with lenders ordered only by our criteria (RESPA Section 8). Disability, life and malpractice insurance: never a commission or a fee per policy; at most a flat sponsorship, because MedMoneyGuide is not a licensed insurance agency. Financial advisors and contract-review attorneys: never a fee per client or a share of assets or fees; at most a flat, labeled advertisement. Each arrangement will be described on this page.
Your data is not for sale
We never sell or share your email address, your dashboard numbers or anything you type into a calculator or Ask MedMoneyGuide AI with a partner. A partner only hears from you if you click through and apply yourself.
Ask AI stays independent
Ask MedMoneyGuide AI answers from our guides and never favors a provider because it is a partner.
We end partnerships that hurt readers
If a partner’s terms get worse, its service draws repeated reader complaints, or it asks for anything this page prohibits, we end the relationship and say so here.
Our Commitment to You
Here is what you can expect:
- Providers are compared on their own published terms, with the date we checked them
- A product is included or left out on its merits, not because of any business relationship
- If we ever earn money from a link, that link will be labeled where it appears
- This page will be updated before any paid relationship begins
- Material connections with companies we review will be disclosed as the FTC requires
FTC Compliance
The Federal Trade Commission's guides on endorsements and testimonials (16 C.F.R. Part 255) call for disclosure of material connections between a site and the companies whose products it reviews or links to. MedMoneyGuide currently has none.
A "material connection" includes receiving compensation, free products, affiliate commissions, or any other benefit that could influence the content of a review or recommendation. If we ever have one, it will be disclosed on this page and within the relevant article.
If you find a link on this site that looks like a paid or affiliate link, please tell us at editorial@medmoneyguide.com.
Why This Matters for Physicians
Physicians are a high-value demographic. Student loan lenders, insurance companies, and financial services firms compete aggressively for physician clients — which means there is significant financial pressure on any site serving physicians to allow that competition to influence editorial content.
Having no affiliate or advertising relationships keeps that pressure off the page. Dr. Dunigan founded MedMoneyGuide to give physicians financial information with no sales incentive behind it, and the rules on this page apply to everything we publish.
If you ever believe a recommendation on this site appears to be commercially motivated rather than editorially sound, please tell us. We take that feedback seriously.
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