Affiliate and funding disclosure
Affiliate Disclosure
1. How the site may be funded
The site may earn money through paid digital products, education sessions, newsletters, sponsorships, affiliate links, referral links, or partner introductions. The site may also cross-promote Altoria.hr and the Altoria Accounting Platform where relevant.
2. What affiliate links mean
If you click an affiliate or referral link and later buy, open an account, request an offer, or complete another qualifying action, the operator may receive compensation. This may be a fixed fee, percentage commission, lead fee, or non-cash benefit. The price you pay should not be higher because of the affiliate link unless the offer page clearly says otherwise.
3. Editorial boundary
- Affiliate compensation must be disclosed clearly.
- Affiliate status must not be hidden inside neutral-looking recommendations.
- Products, brokers, tools, insurers, banks, or platforms may be mentioned for education, comparison, or context only.
- No article, tool, email, or session provides a personalized broker, securities, insurance, tax, or legal recommendation.
- Users must check fees, risks, terms, tax impact, and suitability themselves or with a licensed professional.
4. Insurance and partner handoffs
The site does not act as an insurance broker, agent, or mediator. If a future partner handoff is offered, it must be optional, clearly disclosed, and based on separate consent. The website must not advise on coverage, recommend insurance products, negotiate, assist with claim settlement, or participate in the conclusion of insurance contracts.
5. Current / planned affiliate categories
| Category | Status | Disclosure note |
|---|---|---|
| Broker or investing platforms | Not active at launch | Disclose near comparison tables and links before activation. |
| Books, courses, finance tools | Own paid products planned | Paid products are sold by Altoria FinSys d.o.o. under the Daniel Budak brand. |
| Insurance comparison / licensed broker partners | Not active until agreement | No active handoff before partner agreement and privacy flow are complete. |
| Altoria.hr / Altoria Accounting Platform | Sister-property / accounting platform relationship | Disclose relationship where promoted. |
| Stripe, Wise, future PayPal | Operational providers unless an affiliate relationship exists | Do not imply sponsorship unless an agreement exists. |