Affiliate Disclosure

An affiliate link is a special tracking link. If you click one and then open an account, complete a transfer, or are approved for a product, the company may pay FolioNorth a commission. This comes at no additional cost to you. You pay the same as you would going to the company directly.

Right now, FolioNorth's affiliate links are the links to Qtrade Direct Investing™ in our Qtrade review, our Norbert's Gambit guide, and the Qtrade section of our best brokerages guide, our Qtrade vs Wealthsimple comparison, plus the Qtrade links on our Transfer Offers page and our Qtrade promotion page, and the Qtrade comparison shown on our Broker Comparison page. As we add more, affiliate links will appear in places like other brokerage reviews and our Credit Cards page. Wherever a link is an affiliate link, we tag it as sponsored and show a short notice on the page so you always know. Where a page has no affiliate links, its notice says so.

These Qtrade placements use a small invisible impression pixel. On the guides, the comparison article, Transfer Offers, the Qtrade promotion page, and Broker Comparison, it loads only when the relevant Qtrade call to action or offer comes into view. On the Qtrade review, it loads once with the page.

Online brokerage services are offered through Qtrade Direct Investing, a division of Aviso Financial Inc.

This is the part that matters most. Once you enter your numbers, affiliate compensation never changes how we rank offers by value: a better offer always ranks above a worse one, whether or not it pays us, and if a better product pays us nothing it still gets the better placement. The one exception is an exact tie: when two offers come out financially identical for you, we surface a partner we work with (currently Qtrade) first. Before you enter any numbers there is no value ranking yet, so on the Transfer Offers page, whenever a partner promo is live there, we list that partner first by default until you do. We list and rank brokerages and credit cards based on what we believe is genuinely useful for Canadian DIY investors, and we also cover and recommend products we earn nothing from when they're the right call.

One thing does depend on whether a company pays us: the button. A direct link to a broker's signup page is something we reserve for partners. Every other broker on the Transfer Offers page keeps its place in the ranking, its terms, and its link to the official source document, but we don't hand it a signup button. Where we've reviewed the broker, the button points at that review. Where we haven't, there is no button, and the source link is your way through to the broker's own terms. This affects where a click lands, never which offer wins: the ranking is the same either way, and a broker that pays us nothing still takes the top spot when it earns it.

Most of what we cover pays us nothing. The ETFs, accounts, and strategies throughout the site, and most of the brokerages on the Transfer Offers page, have no affiliate relationship at all. We cover them because they're relevant to Canadian DIY investors.

If you ever want to know whether a specific link is an affiliate link, or how a particular relationship works, email hello@folionorth.ca and we'll tell you straight.

This disclosure is provided in line with the Competition Bureau of Canada's guidance on disclosing material connections, and with the requirements of any affiliate networks we may work with.