Affiliate Disclaimer

Last updated: 14 May 2026

What Are Affiliate Links?

Some links on TheCostOfLiving.com.au are affiliate links. This means that if you click on a link and subsequently make a purchase, sign up for a service, or complete another qualifying action, we may receive a small commission from the company you transacted with. This comes at no additional cost to you — you pay exactly the same price you would have paid by going directly to the company\'s website.

Affiliate links are used across the financial services industry and are standard practice for content websites. They are one of the primary ways independent content sites like this one fund their operations.

Our Current Affiliate Partners

As of May 2026, TheCostOfLiving.com.au has affiliate relationships with the following companies:

Partner	Category	How We Earn
TopCashback Australia	Cashback platform	Commission when a reader signs up via our link
CoinSpot	Cryptocurrency exchange	Commission when a reader creates an account via our link
Stake	Share trading platform	Commission when a reader opens an account via our link

We will update this list as new affiliate relationships are established or existing ones end.

How We Identify Affiliate Links

Affiliate links on this site are identified in two ways:

• Links contain the HTML attributes rel="nofollow sponsored"
• Where practical, links are accompanied by text indicating a commercial relationship

In accordance with Australian Consumer Law and ACCC guidelines on testimonials and endorsements, we are committed to transparent disclosure of all commercial relationships.

How Affiliate Relationships Affect Our Content

Our editorial policy is that affiliate relationships do not determine which products or services we recommend. We apply the following principles:

• We recommend products we genuinely believe offer value to Australian consumers, regardless of whether an affiliate relationship exists.
• We do not accept payment to write positive reviews or to feature products we would not otherwise recommend.
• We update our content when our assessment changes. For example, when Cashrewards ceased operations in 2025, we updated all relevant articles to remove our recommendation and warn readers — despite this removing affiliate income.
• We compare products honestly, including competitors of our affiliate partners, when those competitors offer better value for particular use cases.

Financial Advice Disclaimer

The content published on TheCostOfLiving.com.au is for general informational and educational purposes only. It does not constitute financial advice, legal advice, or any other form of professional advice.

We are not a licensed financial adviser under the Corporations Act 2001 (Cth). Nothing on this site should be relied upon as a substitute for professional financial advice tailored to your personal circumstances.

Before making any significant financial decision — including switching insurance, refinancing a mortgage, or making investments — we recommend consulting a licensed financial adviser, mortgage broker, or other relevant professional.

Price and Product Accuracy

We make every effort to ensure prices, product details and availability are accurate at the time of publication. However, prices change frequently and we cannot guarantee that information is current at the time you read it. Always verify current prices directly with the retailer or service provider before making a purchasing decision.

Articles include a "last updated" date. We recommend checking this date and verifying key facts independently for any time-sensitive information.

Third Party Websites

This site contains links to third-party websites. We are not responsible for the content, privacy practices or accuracy of information on third-party sites. The inclusion of a link does not imply endorsement of the linked site or its content.

Australian Consumer Law

TheCostOfLiving.com.au operates in compliance with Australian Consumer Law. If you have a concern about any content on this site, please contact us at hello@thecostofliving.com.au.

Changes to This Disclaimer

We may update this disclaimer from time to time. The "last updated" date at the top of this page reflects the most recent revision. Continued use of the site after any changes constitutes acceptance of the updated disclaimer.

Questions?

If you have any questions about our affiliate relationships or editorial policies, please contact us at hello@thecostofliving.com.au. We are committed to transparency and will respond to all reasonable enquiries.