Affiliate disclosure

EZ Qualifying is an educational tool. We are not a lender, mortgage broker, credit bureau, or credit counsellor, and we do not pull credit reports or approve loans or cards. Some pages may include partner tools or links. This page explains that relationship clearly, in line with Competition Bureau (Canada) and FTC (United States) disclosure guidance.

EZQualifying may earn a commission when you click partner links. This doesn't change our calculators or guidance. Affiliate disclosure.

How this affects you

  • If you use a partner tool or follow a partner link, EZ Qualifying may earn a commission. That does not change our calculators, educational guidance, or the numbers you type.
  • Partner tools are labelled. Ratehub mortgage tools are marked “For Canadian readers” and are aimed at a Canadian audience.
  • A short disclosure appears above the first partner tool or offer on any page that has one, and this page is linked in the site footer.
  • We do not tell you that you are prequalified, pre-approved, or guaranteed a rate, loan, card, or credit-score result.
  • Calculator inputs stay in your browser. This site does not access lender systems or credit bureaus.

Partner networks

Ratehub

We are a Ratehub partner (affiliate ID 1097). On Canadian mortgage pages we embed Ratehub’s official mortgage rate table, affordability calculator, and payment calculator (affiliate ID 1097, province Auto). Ratehub’s Credit Cards section is locked for this account, so no Ratehub card widgets appear.

CJ Affiliate

We have a CJ Affiliate publisher account for this property. Individual advertisers are pending review. Partner-offer modules are built into the pages below but stay hidden until each advertiser is approved and official CJ links or creatives are added. We only use CJ tracking links and approved creatives — we do not make our own logos or banners.

  • VIVA Finance — hidden until approval and official CJ links are added. Use only official CJ links/creatives once approved.
  • Fairstone — hidden until approval and official CJ links are added. CA personal loans. Wording must stay 'check your options'.
  • Experian — hidden until approval and official CJ links are added. US visitors only. No credit-repair or guaranteed-score claims.
  • SmartCredit — hidden until approval and official CJ links are added. Creative must be approved before launch. Official CJ creative only.

Luxury Card requires written pre-approval of the property before any promotion, so it is not placed on this site.

Other applications

  • CardRatings (form submitted) — not active on this site yet.
  • Bankrate Credit Cards (application emailed) — not active on this site yet.
  • Rates.ca (application emailed) — not active on this site yet.

Advertising standards we follow

In Canada, the Competition Bureau expects marketing to be truthful and for material connections (such as commissions) to be disclosed in a way consumers will actually notice and understand. In the United States, the FTC requires clear, conspicuous disclosures of material connections, placed close to the partner tool or link — not only in a distant terms page. If a disclosure is missing or unclear, please contact us.

This page is an educational-site disclosure, not legal advice.