FAQ

General

What is the purpose of Wallet Hub?
Wallet Hub strives to provide you with the tools and information you need to make the best financial decisions and save money. More specifically, we enable you to:

  • Search, Compare & Review financial products, professionals and companies;
  • Organize, Share & Learn from other consumers as well as personal finance experts
  • Customize Financial News from blogs, major news outlets and experts

How much does it cost to use Wallet Hub?
Nothing! Wallet Hub is completely free for consumers.

Does Wallet Hub sell anything?
At this point, Wallet Hub does not sell anything directly to consumers. The financial products and services listed on Wallet Hub are all offered by the companies that issue them. We do, however, aggregate these offers and help you choose the best one.

To businesses, we sell advertising and premium placements for products and listings. (someone’s got to pay the bills!).

Do I need to create an account?
You don’t need an account to use Wallet Hub, but without one you won’t be able to rate and reviews businesses or professionals, ask questions to experts, interact with other users, customize your Wallet News, etc. You can create an account here.

What is your Privacy Policy?
You can read our Privacy Policy, which explains how we collect and use information, here.

How do I close my Wallet Hub account?
First of all, we’d be sorry to see you go. But if you have to say goodbye and your account is designated as Member’s account, just send us a message and we’ll take care of the rest. Unfortunately, business accounts cannot be closed since consumers have the right to share with others their experiences in dealing with companies and professionals.

Community Interaction

What is a Wallet Point?
Wallet Points indicate how active you are on Wallet Hub (e.g. asking/answering questions, reviewing businesses/professionals, posting comments, etc.) and how helpful others have found your posts to be. Learn more about your Wallet Points.

Who can rate and review?
Anyone who creates an account on Wallet Hub can rate and review businesses and professionals. However, you must abide by our Community Guidelines in doing so, including our rules against reviewing businesses/professionals that you represent or are otherwise directly affiliated with. If you don’t play by the rules, your reviews may be discounted and your account may be suspended!

How soon are my ratings/reviews posted?
Ratings and reviews are posted immediately upon submission. It’s important to note, however, that they are subject to filtering at any point in time if they are deemed to violate our Community Guidelines.

Can I delete ratings/reviews?
Yes, you can delete and/or edit reviews as you like. In fact, we encourage you to keep your reviews and ratings as up to date as possible. Keep in mind that your reviews and ratings are public and may have already been used, saved or referenced by other users by the time that you delete or change them.

Why did my rating/review/comment get deleted?
If one of your posts gets deleted, it is because we have deemed it to be spam, in which case please don’t do it again!

If you can see your post on your profile, but not on that of the business or professional to which it pertains, it was likely filtered and not deleted. We filter reviews and comments if they meet certain criteria, including violation of our Community Guidelines. As your interaction with Wallet Hub grows (along with your Wallet Points), it will be less likely that your posts will get filtered.

If you believe a post has been deleted or filtered in error, please contact us here.

I disagree with a rating/review/comment. What can I do?
You can express your opinion and get a lively debate going. In doing so, remember to be respectful, to make arguments based in fact, and to adhere to our Community Guidelines at all times.

If you feel that a post violates these Guidelines, the best way to notify us is to click on the “flag” link next to the post in question.

What if I notice an inappropriate or spam post that you have not removed?
We love when our users help us improve the Wallet Hub experience! if you feel that a post is inappropriate or otherwise violates our Community Guidelines, just let us know by clicking the “flag” link next to the respective post.

Are reviews displayed in any particular order?
Reviews are generally shown in the order in which they are received, though posts from users with high Wallet Points and highly useful reviews (by merit of having the most positive votes) may be given preference. The advertising status of either the party being reviewed or the party doing the reviewing plays absolutely NO ROLE in how reviews are displayed.

Who can find me and my posts on Wallet Hub?
Everything you post to Wallet Hub (e.g. profile information , questions, answers is public, comments, reviews and ratings) is public. We encrypt all payment information and passwords. Please see our privacy policy for more information.

How do I submit a complaint about a fellow Wallet Hub user?
We review content, so please flag posts that you feel are inappropriate or otherwise violate our Community Guidelines and if we notice a pattern developing from a particular user, we will take the necessary steps to remove them from the Wallet Hub community.

If a user’s profile picture is the issue, please let us know here.

If a Wallet Hub member is bothering you outside of our online community, please notify the relevant authorities.

What if I see an error with a company or financial professional’s listing (e.g. misspelled name)?
We strive for the highest level of accuracy possible, but mistakes are inevitable, so if you notice any, please let us know here.

What do financial professionals think of Wallet Hub?
For the most part, they think that it’s a helpful resource for consumers that weeds out the bad apples and allows honest, helpful businesses to prosper.

Applications & Existing Accounts
There are two general types of questions that people ask:

  • Account-specific questions: For example, “Why is this charge from Wal-Mart listed twice on my credit card bill?”.
  • General questions about companies, professionals, products or services: For example, “What do I do if a credit card company makes a mistake on my bill?” or “Do I need to call Capital One before using my Capital One credit card abroad?”

When it comes to specific questions, you should contact the relevant service provider directly. It’s not that we don’t want to help, but it is important to realize that Wallet Hub is not in any way involved in the application, account opening process or any other specific matters related to your account. We simply connect you directly with the service providers with whom you’re interested in doing business.

When it comes to general questions about a company, professional, product or service, we’d love for you to ask them on Wallet Hub. To do so, either:

  • Go to the relevant profile/product page and click the “Ask” button to exclusively direct your question to the relevant service provider; OR
  • If you want anybody in the Wallet Hub community to be able to provide an answer, ask a question to the community at large. The community will strive to answer your question to your satisfaction, but if you don’t get what you’re looking for, you should certainly contact the service provider directly as well.

Do I need to be a US Citizen to apply for a financial product or account?
In general, no. However, you will almost always have to provide a valid Social Security Number (SSN), and application policies differ by issuing institution.

Businesses & Professionals

Some of my reviews were deleted; why is that?
A review may not show up on your business’s profile for one of the following two reasons: it was deleted or it was filtered.

If a review is deleted, it is because it was deemed to be spam. If a review was filtered, it’s still there but is not being displayed because it met certain criteria, (e.g. violation of our Community Guidelines ). Keep in mind that if a review gets filtered, it won’t necessarily stay filtered forever. As the user who wrote the review on Wallet Hub becomes a more trustworthy member of the community, the likelihood that their original review will be reinstated increases.

I have my clients rate/review me from our office computer; why were their reviews filtered?
This is likely due to the fact that the reviews are coming from your company’s IP address. We seek to avoid biased reviews, so reviews originating from a company or professional’s place of business are given heavy scrutiny.

In order to avoid having your customers’ reviews get filtered, please encourage them to submit their reviews from home.

I don’t think my reviews are fair; what can I do?
First of all, it’s important to realize that criticism is an inevitable part of business. With that being said, you can always reply to a review, encourage other customers to share their feelings, or clue us into any violations of our Community Guidelines here.

Can I get my name removed from Wallet Hub?
No, consumers have the right to review and rate any business or professional, and removing your name would detract from the consumer experience. However, you can choose not to add additional content to your company profile or interact on Wallet Hub.

Can I display your ratings and reviews on my own website?
Of course, but you may not edit or alter them in any way so as to create a misleading perception of your business’ reputation or performance.

Advertising

How can I advertise on Wallet Hub?
If you are interested in advertising on Wallet Hub, please contact marketing@EvolutionFinance.com

Do you have a banner I can use to link to your site?
Yes, and it can be found here.

Does Wallet Hub edit, remove or reorder reviews/comments based on a company or professional’s advertising status?
Never. Advertising does not affect reviews or comments in any way.

Legal

I'm unhappy with what consumers are saying about me on Wallet Hub; should I get my attorney involved?
We respect both the legal process and the legal profession (need a good attorney, you can find one here), but before you involve a lawyer, it’s important to understand a few things:

  • It might make things worse:Sometimes, a manageable situation can get out of control if you escalate things too quickly. Therefore, if you feel that there is an inaccurate, misleading or malicious review on Wallet Hub pertaining to your business, you may want to first take a step back and allow the positive things others have to say about your company devalue the troublesome review. In doing so, understand that people do not take all reviews at face value; they realize that some types of reviews or reviewers are more reliable than others, and they will treat them as such.If that doesn’t work, you could also try to resolve disputes privately with your customers who have expressed displeasure. After resolving the issue to their satisfaction, you can ask them if they would consider revising their review.In addition, keep in mind that lawyers are notorious for drafting threatening letters and the recipients of these letters have been known to go public with them and discourage other consumers from using your company.
  • Wallet Hub is not liable for our users’ content:According to the Communications Decency Act (CDA), "No provider or user of an interactive computer service shall be treated as the publisher or speaker of any information provided by another information content provider.” Section 230 of the CDA creates a federal immunity to any cause of action that would make service providers liable for information originating from a third-party user of the service.Reviews and ratings on Wallet Hub come from our users, not us, so we cannot be legally regarded as their "publisher or speaker,” and therefore aren’t liable for them, even if they contain false information.
  • Wallet Hub is not liable for good-faith restrictions of content:According to Section 230(c)(2)(A) of the CDA, ``(2) Civil liability.—No provider or user of an interactive computer service shall be held liable on account of— “(A) any action voluntarily taken in good faith to restrict access to or availability of material that the provider or user considers to be obscene, lewd, lascivious, filthy, excessively violent, harassing, or otherwise objectionable, whether or not such material is constitutionally protected.”Wallet Hub cannot be held liable for editing, deleting or filtering content due to our good-faith belief that it is objectionable, even if the content is protected by law.
  • The First Amendment protects the right to speak anonymously: Not only has the Supreme Court ruled on this matter (McIntyre v. Ohio, 514 U.S. at 337; Talley v. State of California, 362 U.S. 60), but courts around the country have also ruled that this right extends to the Internet (Doe v. 2theMart.com and Doe v. Cahill).

Some other useful links to check out when considering a lawsuit are:

 

Still have questions?
Email Customer Care at customer.care@EvolutionFinance.com
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