At NerdWallet, we are dedicated to providing accurate and timely financial information to empower consumers. As a content creator for income-partners.net specializing in Partner Care, it’s crucial to clarify our operational framework, especially concerning our valued Southwest Partners. This disclaimer outlines the principles that guide our relationships and information dissemination.
NerdWallet’s platform aims to deliver up-to-date financial insights. However, it’s important for users and southwest partners alike to recognize that the financial landscape is dynamic. Information presented on our site may occasionally differ from what’s found directly on the websites of financial institutions, service providers, or individual product pages. We present all financial and shopping products, and services without warranty, ensuring transparency in our content delivery. When evaluating any offers, we strongly advise all users, including our southwest partners, to thoroughly review the respective financial institution’s Terms and Conditions for the most precise details. Pre-qualified offers mentioned are not binding and serve as initial assessments. For any discrepancies related to credit scores or credit report information, we recommend direct contact with TransUnion® for clarification.
The NerdUp by NerdWallet credit card exemplifies our collaborative approach. It’s essential to note that NerdWallet itself is not a bank. Banking services associated with the NerdUp card are provided by Evolve Bank & Trust, a member of the FDIC. The NerdUp by NerdWallet Credit Card is issued by Evolve Bank & Trust under license from MasterCard International Inc. This partnership model extends to our collaborations with southwest partners, where we aim to connect users with diverse financial solutions through established and reputable institutions.
Credit score impacts are an important consideration for users engaging with financial products promoted through NerdWallet and our southwest partners. It’s important to understand that credit scores are independently calculated by credit bureaus. These scores are influenced by numerous factors, including an individual’s financial decisions across various financial service organizations. The impact on credit scores can vary, emphasizing the need for responsible financial management when utilizing services offered by NerdWallet or our southwest partners.
NerdWallet Compare, Inc., operating under NMLS ID # 1617539, adheres to regulatory standards. For further details, you can access the NMLS Consumer Access portal and review our comprehensive Licenses and Disclosures. In California, our financial services are conducted under California Finance Lender loans, arranged in accordance with Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812. These regulatory frameworks ensure that NerdWallet, and by extension our southwest partners, operate with accountability and within legal boundaries.
Insurance services offered through NerdWallet Insurance Services, Inc. (California resident license no.OK92033) are subject to specific Insurance Licenses. This specialized service line, like our other offerings, reflects our commitment to providing a broad spectrum of financial solutions, potentially in collaboration with southwest partners who specialize in insurance products within the region.
Furthermore, NerdWallet collaborates with Atomic Invest LLC (“Atomic”), an SEC-registered investment advisor, to facilitate investment advisory account openings. It’s important to acknowledge a potential conflict of interest: NerdWallet receives compensation ranging from 0% to 0.85% of annualized assets under management, paid monthly, for each referred client who establishes an Atomic account. We also receive a percentage of free cash interest earned by clients. This compensation structure is disclosed to maintain transparency with our users and southwest partners. Brokerage services for Atomic are delivered by Atomic Brokerage LLC, a registered broker-dealer, member of FINRA and SIPC, and an affiliate of Atomic, which also presents a potential conflict of interest. For comprehensive information about Atomic, please refer to their Form CRS, Form ADV Part 2A, and Privacy Policy. Details regarding Atomic Brokerage can be found in their Form CRS and the Atomic Brokerage General Disclosures. To verify the background of Atomic Brokerage, users can utilize FINRA’s BrokerCheck service. These partnerships, including potential collaborations with southwest partners in the investment sector, aim to expand the range of financial opportunities available to our users.
It is critical to understand that neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates, are banks. Investments in securities carry inherent risks and are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Investing involves the risk of potential principal loss. Prior to making investment decisions, it’s essential to carefully consider your investment objectives, along with all associated fees and expenses. This risk disclosure applies universally to investment services facilitated through NerdWallet, including those potentially offered in conjunction with southwest partners.
NerdWallet™ is located at 55 Hawthorne St. – 10th Floor, San Francisco, CA 94105. This address serves as our central operation hub, overseeing our national and regional partnerships, including our engagements with southwest partners. We are committed to fostering transparent and beneficial relationships with all our partners while prioritizing the delivery of helpful and reliable financial information to our users.
