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Transparency

FTC Compliance Checklist

This page explains what the Top 5 FTC disclosures cover and exactly where each one applies across MY Consumer Compass — pages, popups, tools, checkout, emails and every download we generate.

Top 5 FTC Disclosures — Clear. Honest. Transparent.

  1. 1. Affiliate Disclosure: We disclose that we may earn a commission when someone buys through our links, placed close to the link or recommendation.

    Example: “Affiliate Disclosure: Some links on this website are affiliate links. If you make a purchase through one of these links, I may earn a commission at no additional cost to you.”

  2. 2. Financial / Educational Disclaimer: Our content is educational, not personalized financial, legal, tax, or investment advice. Shown on every page with financial content.

    Example: “The information provided by MY Consumer Compass is for educational and informational purposes only and is not intended as financial, legal, tax, or investment advice.”

  3. 3. Results & Earnings Disclaimer: We never imply guaranteed results. Individual results vary. Shown on sales pages and anywhere we talk about money outcomes.

    Example: “No income, savings, debt-reduction, or financial results are guaranteed. Examples and testimonials are provided for illustrative purposes and do not guarantee that you will achieve the same or similar results.”

  4. 4. Testimonials, Reviews & Endorsements: Any material connection — payment, free products, discounts, or affiliate relationships — is disclosed near the testimonial or review.

    Example: “Testimonials reflect the individual experiences of the people providing them. Individual results vary. When a testimonial or recommendation involves compensation, free products, affiliate commissions, or another material relationship, that relationship will be disclosed.”

  5. 5. Pricing, Subscription, Cancellation & Refund Terms: Price, billing frequency, auto-renewal, cancellation terms, and refund policy are shown clearly before purchase and at checkout.

    Example: “Your membership automatically renews at the stated monthly/yearly price unless canceled. You may cancel according to the cancellation terms shown at checkout. Please review our Refund Policy before purchasing.”

Disclosures are kept clear and conspicuous — easy to notice and understand. Source: Federal Trade Commission Endorsement Guides (16 CFR Part 255). This is not legal advice.

See the full FTC compliance checklist

Where each disclosure applies

1. Affiliate Disclosure

What it covers: Any link, button, or recommendation that can pay us a commission or referral fee.

  • Recommended Tools page and every “Tools that help with this step” callout
  • 12-step plan and learning hub pages that link to third-party products
  • Emails and social posts that include partner links

Published wording: “Affiliate Disclosure: Some links on this website are affiliate links. If you make a purchase through one of these links, I may earn a commission at no additional cost to you.”

2. Financial / Educational Disclaimer

What it covers: A statement that everything here is education, not personalized financial, legal, tax, or investment advice.

  • Home page, free plan page, learning hub and FAQ
  • Payday calculator, budget dashboard and the full workbook
  • Every exported PDF, CSV and downloadable worksheet

Published wording: “The information provided by MY Consumer Compass is for educational and informational purposes only and is not intended as financial, legal, tax, or investment advice.”

3. Results & Earnings Disclaimer

What it covers: A clear statement that no savings, income, or debt-payoff result is promised or typical.

  • Sales pages (membership upgrade, Compass Complete)
  • Anywhere a dollar example or first-30-day goal is shown
  • Marketing emails that mention money outcomes

Published wording: “No income, savings, debt-reduction, or financial results are guaranteed. Examples and testimonials are provided for illustrative purposes and do not guarantee that you will achieve the same or similar results.”

4. Testimonials, Reviews & Endorsements

What it covers: Disclosure of any payment, free product, discount, or affiliate relationship behind a review or endorsement.

  • Testimonials and social-proof sections
  • Any quoted member story or partner endorsement

Published wording: “Testimonials reflect the individual experiences of the people providing them. Individual results vary. When a testimonial or recommendation involves compensation, free products, affiliate commissions, or another material relationship, that relationship will be disclosed.”

5. Pricing, Subscription, Cancellation & Refund Terms

What it covers: Price, billing frequency, auto-renewal, cancellation, and refund terms shown before the buyer pays.

  • Membership plans and upgrade pages
  • Checkout (PayPal and card) and confirmation screens
  • Receipts, renewal emails and the account/billing page

Published wording: “Your membership automatically renews at the stated monthly/yearly price unless canceled. You may cancel according to the cancellation terms shown at checkout. Please review our Refund Policy before purchasing.”

How we keep disclosures clear and conspicuous

  • Disclosures sit close to the link, claim, or price they relate to — never buried.
  • Plain language, no jargon, readable on phones without expanding anything.
  • A first-visit popup requires acknowledgement before using the tools.
  • Every PDF and downloadable asset carries the same Top 5 disclosures.
  • Wording is reviewed and updated as partnerships and pricing change.

Source: Federal Trade Commission Endorsement Guides (16 CFR Part 255). This page is provided for transparency and is not legal advice.