1. our business model
verosum makes money in three ways, listed in order of priority:
- paid subscriptions (when launched) for the live optimization layer
- affiliate commissions when a user applies for a credit card we recommended and is approved
- nothing else
2. when affiliate commissions kick in
some — not all — of the credit-card recommendations we make are paid placements. when they are, you will see a visible disclosure at the recommendation itself stating: "we may earn a commission if you apply through this link."
this disclosure will never be in a footer, in fine print, or visible only after hover. it sits inline, in the same view as the recommendation.
3. when the right answer conflicts with our payout
the optimal card for your portfolio may not be the one we earn a commission on. in those cases:
- we recommend the optimal card, with no commission disclosure (because there is none)
- we do not demote it in favor of an affiliate-paying alternative
- we do not hide it from search results
this is a hard rule, encoded in our scoring engine — not a marketing claim.
4. partnerships we don't have
we currently have no exclusivity agreements with any issuer. we are not paid by any bank, mutual fund, or payment company to promote their products in our content or recommendations.
5. user data & revenue
we do not monetize user data. we do not sell transaction histories, audit reports, spending patterns, or any other information about you to advertisers, banks, or data brokers. ever.
6. transparency reports
starting q1 after launch, we publish quarterly transparency reports at /transparency showing:
- which issuers paid us commissions, and how much
- what % of recommendations were paid placements
- what % of users took paid-placement recommendations
7. report a conflict
if you notice a recommendation that seems biased — or a disclosure that seems missing — email conflicts@verosum.com. we publish all valid conflict reports in our quarterly transparency report, with the resolution.