Affiliate Disclosure

Last updated: July 2026

Material connection

In accordance with the FTC's Guides Concerning the Use of Endorsements and Testimonials (16 CFR Part 255), we disclose that Smart Cents Club has a material connection to some of the products and services mentioned on this site. Some links are affiliate links: as an affiliate we earn from qualifying purchases made through them, at no extra cost to you.

How it works

When you click an affiliate link and buy something, the vendor pays us a commission. The price you pay is the same whether you use our link or go to the vendor directly. These commissions are how we fund the research, testing, and writing on this site without paywalls or intrusive ads.

Editorial independence

Commissions never decide what we recommend. We choose what to cover based on what readers ask about, and our verdicts are based on our own research and comparison criteria. If a product with no affiliate program is the best choice, we say so. Vendors do not review, approve, or pay for our articles.

Results may vary

Any results, outcomes, or experiences described on this site (ours or other people's) are illustrative only. Your results will depend on your situation, effort, and factors outside anyone's control. Nothing here is a promise of specific outcomes, income, or savings, and nothing here is financial advice.

How we mark affiliate links

Every article that contains affiliate links carries a disclosure notice at the top, and affiliate buttons are labeled as affiliate links. If you ever spot a page where that is missing, please tell us and we will fix it.

Questions

If anything about our affiliate relationships is unclear, email us at hello@smartcentsclub.com.