How we earn

Product: Money Compass / The FinCoachHub Ltd

URL (publish to): https://www.thefincoachhub.com/how-we-earn

Version: 2026-09-27-SOFT-BETA

Status: Soft beta — Consumer Duty transparency; solicitor review pending before final publish.

Plain English

Money Compass is free for consumers. We earn when partners succeed — not when you open the app.

1. Partner rehabilitation / completion fee (primary)

Your mortgage partner already had the relationship. They are not paying TFCH for an introduction to their own client.

They pay a rehabilitation / incubation success fee: 15% of the broker’s fee only if Money Compass helps convert a declined or stalled file into a lender completion.

Outcome	What TFCH bills
No completion	£0
Completion	15% of broker fee (beta)
After completion	No clawback of the success fee

Software remains free to partners during the 18-month beta under the partner agreement.

2. Ancillary vendor referrals (disclosed)

If your firm does not offer a service (for example wills), TFCH may offer a disclosed vendor route. Any fee TFCH earns is shown before you choose. We do not hide kickbacks.

3. What we do not do

Sell raw bank statements, balances, or merchant-level vault data
Charge consumers a subscription for core coaching in the current model
Charge partners merely because you reopened the app or spoke to them again
Auto-send LinkedIn DMs or run toxic credit / everyday bill-switch affiliate mills

4. Reverse-funded partner vouchers (if any)

If a partner subsidises a voucher or incentive, that is partner-funded — not a TFCH cash outlay dressed as a gift. Any such programme will be disclosed in context.

5. Why this model

Our north star is forming lender-visible habits under friction with your agency. Favourable outcomes route to professionals; unfavourable outcomes route to safety resources. Completion-only economics keep incentives aligned with real completions — not churned intros.

Privacy: /privacy
Terms: /terms
Acceptable use: /acceptable-use
Security / on-device: /security