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Full disclosure

Every link on this site that earns money, and what it pays.

Two arrangements, both listed in full. Neither costs you anything, and neither changes a single figure anywhere on this site.

In short

Does this site make money from what it recommends?

Every paid link, what it pays, and what it costs you: nothing

2 arrangements
Updated 7 August 20262 arrangements

What this page is

Some links on this site earn money if you sign up for something through them. This page lists every one of them, what the arrangement actually is, and what it costs you — which in every case is nothing.

It exists because the site used to say, in the footer of every page, that it was “not selling anything”. That was true when it was written and it stopped being true the moment the first affiliate link shipped. Rather than quietly delete the claim, the honest version is this: here is the list, kept in one file, and here is what each one is.

The rule I hold myself to

An affiliate link never changes a number on this site.Every calculator, every rate, every published tuition figure and every comparison is what it would be if none of these arrangements existed. Where a product I earn from is worse than one I do not, the page says so — the SimplePractice review below spends more words on what it costs and who should not buy it than on what it does well.

Three practical commitments behind that:

  • Marked at the link, not only here. Every affiliate link on the site carries a visible affiliate tag immediately beside it. A disclosure you have to go looking for is the letter of the rule and not the point of it.
  • No paid placement, ever. Nothing appears on this site because someone paid for it to. The two arrangements below are both products I would have written about anyway, and both pages were researched before the link existed.
  • Cheaper alternatives get named. Where there is a genuinely cheaper path that earns me nothing, it is on the page, with its price.

Every arrangement, in full

Two, at the time of writing. If this list grows, it grows here first — it is generated from a single file in the repository, so a link cannot exist on the site without appearing on this page.

SimplePractice

Practice-management software: scheduling, notes, client portal, telehealth, billing and claims.

The arrangementSimplePractice partner program. If you start a subscription through this link, the site earns a referral fee.
What it paysnot disclosed to me by the program
What it costs youNothing. The price is the same as going direct, and the trial is the same length.

SimplePractice →affiliate

Headway

An insurance network that credentials you, bills the payer and pays you a set rate per session.

The arrangementHeadway provider referral. If you join through this link, the site earns a referral fee.
What it paysnot disclosed to me by the program
What it costs youNothing. Headway takes its cut from the session rate either way, and the rate you are offered is not affected by how you arrived.

Headway →affiliate

What we looked for and did not find

Before publishing the liability insurance comparison we checked every carrier and agency on it for an affiliate, referral or partner program — CPH & Associates, HPSO, The Trust, Berxi, Proliability, CM&F Group, American Professional Agency and Lockton Affinity. Not one of them runs a public affiliate program. They work through association endorsements negotiated one off with professional bodies, not through publisher commissions.

We also searched the affiliate networks directly — Impact, CJ, ShareASale, PartnerStack, Awin, FlexOffers and Refersion. Between them they list no healthcare‑professional malpractice carrier at all. There is no affiliate path to any insurer a California therapist would actually buy from, and so nothing on that page is paid for.

The programs that do pay publishers — Hiscox, Thimble, Simply Business, Insureon — are general small‑business insurers, and we could not verify that any of them writes licensed mental‑health professional liability. Recommending one to a therapist for malpractice cover would be wrong on the merits whatever it paid.

And if that changes, there is a second problem to solve first. California Insurance Code § 1631 bars an unlicensed person from soliciting or negotiating insurance, § 1633 makes doing so a misdemeanour, and we could find no California statute that expressly permits paying a referral fee to an unlicensed person for sending an insurance buyer. Comparison writing of the kind on that page sits closer to the line than a bare listing does. We would want a written answer from a California insurance lawyer before accepting any of it.

What I do not do

  • No sponsored content, and no paid placement. This site does not carry advertising today. If that changes it will be said here first, and the rule will not: advertising never buys a mention, a ranking or a number. Ad slots are ad slots; nothing an advertiser pays for appears inside a calculator, a comparison or a recommendation.
  • No email list rental, no data sales. The calculators store nothing on a server; there is nothing to sell.
  • No affiliate links inside a calculator’s results. A tool that computes your take-home does not then recommend you something. The links live in prose, on pages that are about the thing being linked to.
  • No link to anything I would not use. That is a low bar and it is the honest one — it does not mean these are the best products for you, only that they are not junk.

If something here looks like it is shading toward a sales pitch, tell me. That is the failure mode worth catching early.

Last checked7 August 2026All updates →
Figures checked, narrative not re-read

The numbers are current. The argument around them has not been reviewed since it was written.

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