Every way we make money,
named.

Why this page exists

Claudphic's entire argument is that the information people use to make expensive decisions has been quietly paid for by parties with an interest in the outcome. A company making that argument while being vague about its own money has no argument at all.

So this page is more detailed than the law requires. It names mechanisms rather than gesturing at "we may earn a commission," and it states the constraints those mechanisms operate under. If you find a case where our behaviour does not match this page, that is a serious problem and we want to hear about it.

Unfiltered Choice — affiliate commissions

How it works

Unfiltered Choice compares United States business finance products — business banking, payments and payroll. Some providers run affiliate or referral programmes. When a reader clicks through and subsequently opens an account, the publication may receive a payment from that provider.

You never pay more because of this. Affiliate arrangements are paid by the provider out of their acquisition budget; the price and terms you receive are the same as if you had gone direct.

What it does not buy

• Not position. Rankings come from the published rubric. Scoring is completed and recorded before commercial terms are discussed for that provider.
• Not inclusion. Providers with no affiliate programme at all are included, and can — and do — rank above providers that pay.
• Not exclusion of criticism. A provider we earn from can be, and is, criticised on the specific points where it is weak.
• Not editorial review before publication. No provider sees a review before readers do, and none has approval rights over anything.

How commission rates are handled

Commission rates vary between providers, which creates an obvious incentive to favour the higher payer. The structural answer is that scores are produced from the rubric before commercial terms enter the picture, and the rubric is published so a reader can check whether the reasoning matches the ranking. That does not ask you to trust our intent — it lets you audit the output.

Unfiltered Choice — advertiser placements (planned)

Direct advertiser placements are planned but not yet live. When they launch, three rules apply from day one:

1. Labelled as advertising, in plain language, not as a "featured partner" or "sponsored recommendation" that reads like editorial.
2. Outside the ranked comparison. A placement never appears as a ranked position and never displaces an organically scored result.
3. No influence on scoring. Buying a placement does not change a provider's rubric score, and the rubric score does not change what a placement costs.

We are stating this before the revenue exists rather than after, because commitments made before money is on the table are worth more than commitments made afterwards.

Claudphic Ads — subscription revenue

Claudphic Ads earns monthly subscription revenue from businesses in India, at published prices between ₹999 and ₹4,999 per month. This is ordinary software revenue: customers pay for a product, and if it stops being useful they stop paying.

Claudphic Ads also operates an affiliate programme paying a share of a referred customer's first payment. That programme pays external referrers for introducing customers to a paid product. It has no connection to Unfiltered Choice, is not promoted there, and cannot be — under rule one of the independence policy.

What we turn down

Every row above is money that could be earned this quarter. Listing them is the only way to make the acceptances mean anything.

What we do not do with data

Claudphic does not sell, rent or broker personal data — not reader data from the publication, not lead data from the CRM, not correspondence from this website. This is not a current-policy statement that might be revised when the numbers get difficult; it is a category of revenue the company will not enter.

Our vision page mentions a possible future benchmarks product built on aggregate conversion data. To be unambiguous: any such product would use aggregated, anonymised, non-identifying data with explicit customer consent, would never expose an individual business's performance, and would never involve selling underlying data to anyone.

Where the money does not go

Claudphic buys no backlinks and participates in no link schemes. It does not pay for reviews, ratings or testimonials on any platform. It does not pay journalists or creators for favourable coverage. It does not run undisclosed influencer arrangements.

Claudphic Ads' testimonials are currently labelled as illustrative, because the product is new and does not yet have a long list of verified public customers. Labelling them honestly costs conversions. Not labelling them would contradict every other page on this site.

How to check any of this

Three things make these claims testable rather than merely asserted:

• The rubric is published on Unfiltered Choice, so scoring reasoning can be compared against the resulting ranking.
• Providers with no commercial relationship are included and can rank first — a pattern that is visible from outside.
• The conflict rules are published on the independence page, along with a stated process for reporting a breach.

If you find something that looks inconsistent with this page, report it through the contact page. It is acknowledged within two working days, investigated, and answered in writing — and where a correction is warranted, published with a date.

Regulatory note

For United States readers, this disclosure is intended to satisfy the Federal Trade Commission's guidance on affiliate relationships and endorsements: material connections between Claudphic and the products it writes about are disclosed clearly and near the relevant content, not only on this page. For Indian readers and customers, subscription pricing is published, GST applies as required, and invoicing is compliant.

This page is effective from 8 August 2026. Material changes update the date and are described rather than applied silently.