🎯 Our Commitment
The Path Out is built to help you achieve financial freedom. We will never recommend a product solely because it pays us a commission. Your trust matters more than any affiliate payment.
What Are Affiliate Links?
Affiliate links are special tracking URLs that allow us to earn a small commission if you make a purchase through our recommendation. This comes at no extra cost to you - you pay the same price whether you use our link or not.
Our Affiliate Policy
The Path Out may contain affiliate links to products and services we genuinely believe can help you on your debt-free journey. Here's our promise:
- Honesty First: We only recommend products we have personally used, thoroughly researched, or would confidently recommend to family members.
- No Hidden Agendas: Our debt calculator and tools remain 100% free, with no forced upsells or dark patterns.
- Clear Disclosure: Affiliate links are clearly marked with a disclaimer or indicator.
- Your Benefit: We prioritize products that genuinely help reduce debt, save money, or improve financial literacy.
- Ethical Standards: We decline partnerships with predatory lenders, payday loan services, or companies with exploitative practices.
What We May Earn Commissions On
If and when we implement affiliate partnerships, they may include:
- Balance Transfer Credit Cards: Only when they genuinely save you money on interest (we'll show you the math)
- Debt Consolidation Services: Only reputable companies with transparent fees and no predatory practices
- Financial Education Tools: Books, courses, or software that align with our debt-free philosophy
- Budgeting Apps: Tools that complement The Path Out's functionality
- Credit Monitoring Services: Legitimate services that help protect your financial health
What We Will NEVER Promote
We have zero tolerance for predatory financial products. We will never partner with or promote:
- ❌ Payday loans or title loans
- ❌ Multi-level marketing (MLM) schemes
- ❌ Debt settlement companies with hidden fees
- ❌ Credit repair scams
- ❌ High-fee loan products
- ❌ Cryptocurrency "get rich quick" schemes
- ❌ Any product we wouldn't personally use
How Commissions Work
When you click an affiliate link and make a purchase:
- You pay the exact same price as going directly to the company
- The company pays us a small commission (typically 1-10% of the sale)
- This helps us keep The Path Out free for everyone
- You're supporting independent financial education
💡 Important Note
The Path Out's core debt calculator, budgeting tools, and educational content will always remain 100% free, regardless of affiliate revenue. We built this tool to help people, not to sell them things.
Our Recommendation Process
Before recommending any product or service:
- Research: We thoroughly investigate the company's reputation, terms, fees, and customer reviews
- Testing: Whenever possible, we test products ourselves
- Math Check: We verify that the product actually saves users money compared to alternatives
- Ethical Review: We ensure the company's practices align with our values
- Disclosure: We clearly mark affiliate content and explain why we're recommending it
Amazon Associates Disclosure
The Path Out is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.
If we recommend a book or product available on Amazon, we may earn a small commission if you purchase through our link. This does not increase your cost.
FTC Compliance
The Path Out complies with the Federal Trade Commission's guidelines concerning the use of endorsements and testimonials in advertising. We follow all applicable disclosure requirements.
Your Privacy
Affiliate links do not compromise your privacy:
- We do not track individual purchasing decisions
- Affiliate companies do not share your personal information with us
- Your debt data remains 100% private and client-side (we never see it)
Questions or Concerns?
We believe in radical transparency. If you have questions about:
- A specific affiliate relationship
- Why we recommended a product
- Our review process
- Any ethical concerns
Please email us at support@thepathout.com. We'll respond honestly and openly.
Updates to This Policy
We may update this disclosure as we add new partnerships or change our policies. The "Last Updated" date at the top reflects the most recent revision. Material changes will be communicated via email to our subscribers.
✅ Bottom Line
We built The Path Out because we believe everyone deserves access to powerful financial tools without sales pressure. Any affiliate relationships we form must genuinely help you get out of debt faster - or we won't do them. Period.