Legal

Affiliate Disclosure

Effective Date: April 1, 2026  ·  3 min read

SubMend believes in full transparency about how this site is funded. This page explains our affiliate relationships in plain language.

The Short Version

SubMend is a free tool. We earn money when you click certain links on this site and sign up for a product or service. This doesn't cost you anything extra — the companies we partner with pay us a referral fee for sending qualified visitors their way.

FTC Disclosure

In compliance with the Federal Trade Commission's guidelines on endorsements and testimonials (16 CFR Part 255), SubMend discloses that some of the links on this website are affiliate links. This means:

Which Links Are Affiliate Links?

Affiliate links are primarily found in the Partner Toolbox. The Toolbox features three categories of partner tools: Bill Negotiation & Savings, Subscription Management, and High-Yield Savings. All Toolbox links are clearly labeled as partner tools, and an abbreviated disclosure notice appears at the top of the Toolbox page.

Our Affiliate Partners

SubMend participates in affiliate programs managed through the Impact.com affiliate network, among others. Specific partner relationships are established with companies in the following categories:

How We Choose Partners

Affiliate compensation does not determine which tools we feature or how we describe them. Our editorial process is based on:

No Editorial Influence

Our affiliate partnerships have no influence over the educational content on SubMend — including our guides, calculator methodology, interest rate data, or statistical claims. Editorial decisions are made independently of commercial relationships.

About the Operator

SubMend is a media property operated by MsquaredDomains, a company dedicated to financial transparency and consumer utility. MsquaredDomains publishes data-driven tools that help consumers make informed financial decisions.

View Our Partner Tools

Browse the SubMend Toolbox to see all current affiliate partner tools with their full descriptions and feature lists.

Open the Toolbox

Contact

If you have questions about our affiliate relationships, please reach out via submend.com. We will respond within 30 days.