Affiliate Disclosure

Platform business model

The Meta Insurance may work with licensed insurance companies, brokers, intermediaries or other authorised insurance partners through referral, affiliate, lead-generation or other commercial arrangements. The platform provides educational content, factual comparison tools and referral links, and may collect and organise request information for a participating partner.

How compensation may arise

Depending on the commercial arrangement, The Meta Insurance may receive compensation when:

• a user is referred to a participating partner;
• a submitted lead or insurance request is accepted by a partner;
• a user clicks a partner link or continues to a partner's website or service;
• an insurance product is purchased, issued or activated after a referral; or
• another qualifying commercial event agreed with the partner occurs.

The event that qualifies for compensation can vary by partner and arrangement. This disclosure does not state or imply a commission percentage, fixed fee, specific payment structure or partner name, because those details are not established in the current repository and may vary over time.

Insurance pricing and final terms

The relevant licensed insurance partner determines insurance premiums, pricing, underwriting decisions, payment terms, coverage, eligibility and final contractual terms. The Meta Insurance does not set or approve the final price or policy terms.

Factual comparison information

A commercial relationship may exist with a partner whose information appears on the platform. Where factual comparison displays are available, they should present the information available for the policies or offers being compared, which may include:

A factual comparison describes available information and does not determine which policy is suitable for a user. It may depend on information supplied by users or partners and should be verified against the licensed partner's current official policy wording and final offer.

Participating partner availability

The platform may show, compare or refer users only to partners that participate in, are connected to, or are available through the platform for a particular request, product, location or time. It therefore does not necessarily represent every insurer, intermediary or insurance product available in the market.

Partner participation and product availability may depend on insurance category, eligibility criteria, geography, underwriting appetite, technical integration and the partner's own commercial decisions. Users remain free to research insurance products and providers outside the platform.

Rankings, featured placements and sponsored positions

Compensation may affect whether, how or where participating partners or products appear on the platform. Not every provider or insurance product available in the market is included.

The current MVP does not present insurance products as ranked solely by commission and does not claim to use a sophisticated independent ranking algorithm. The presence or order of information should not be treated as regulated advice, a personal recommendation or proof that a product is better or more suitable than another product.

If rankings, featured placements, sponsored positions or similar promotional formats are introduced, any material commercial relationship affecting that presentation should be disclosed clearly and close to the relevant content. Sponsored or featured content should be labelled so users can distinguish it from a basic factual display.

Licensed insurance partner responsibilities

Relevant licensed insurance partners are responsible for:

• determining whether a user is eligible for a product;
• determining premiums, fees and payment terms;
• carrying out underwriting and making underwriting decisions;
• providing regulated insurance advice or recommendations where applicable;
• supplying official policy wording, disclosures and final terms; and
• issuing, activating and administering insurance policies.

Any insurance contract is between the user and the licensed partner identified in the offer or policy documents. That partner's terms, privacy notice and regulatory disclosures apply to its products and services.

Educational and blog content

Blog guides and educational materials provide general information only. They may contain links or references to insurance services or partners in the future. Where a material affiliate or referral relationship applies to linked or referenced content, an appropriate disclosure should be presented clearly in or near that content.

Educational content does not provide regulated insurance advice or a personal recommendation and may not reflect every insurer, product, jurisdiction, policy wording or current regulatory requirement.

Affiliate links and referrals in plain language

A referral or affiliate relationship means that The Meta Insurance may receive compensation if you complete a qualifying action after being connected or referred to a partner. A qualifying action might be clicking or continuing to the partner, submitting an accepted request, or purchasing or activating an insurance product, depending on the applicable arrangement.

Clicking a link or submitting a request does not by itself create an insurance contract. You should confirm the identity, licensing status, product details and final terms of the partner before proceeding.

Your choice

You are free to decide whether to continue with a referred insurance partner. Submitting an insurance request, receiving partner details, viewing a factual comparison or following a link does not require you to purchase, activate or renew an insurance product.

Before deciding, you may ask the licensed partner questions, review its official documents, seek regulated advice where needed, and consider alternatives available inside or outside the platform.

No guarantee from a referral

A referral, click, lead acceptance or other partner connection does not guarantee:

• eligibility for an insurance product;
• acceptance of an application or request;
• any particular premium or price;
• any specific coverage, benefit, limit or condition; or
• underwriting approval, policy activation or policy issuance.

Insurance coverage begins only if and when the licensed insurance partner confirms that coverage is bound or a policy is active under its own terms.

Potential conflicts and transparency

Referral, affiliate, lead-generation and other commercial relationships can create potential conflicts of interest because The Meta Insurance may benefit financially from certain user actions or partner outcomes. The purpose of this disclosure is to make that possibility clear so users can consider it when viewing information or deciding whether to continue with a partner.

Material commercial relationships should be disclosed in a clear and timely way, especially where they affect sponsored content, featured placement or another presentation that a user could reasonably interpret as neutral factual information.

Changes to this disclosure

Affiliate and partner relationships, compensation events, available products and platform features may change over time. We may update this Affiliate Disclosure to reflect those changes, new legal requirements or the development of the platform.

The updated version will be published on this page and the "Last updated" date will change. Material disclosures should also be placed close to the relevant link, placement or content where required by applicable law.

Contact and related legal pages

Questions about this disclosure, partnerships or referrals can be sent through the platform's Contact page. The repository does not currently establish a postal address or separate legal entity name, so this draft does not invent one.