Our Commitment to honest information
This page explains exactly how Balmadi works, what our editorial position is, and what you can and cannot expect from this platform. We think you deserve to know this before reading anything else.
No commercial ties to any fintech
Balmadi has no commercial relationship with any of the fintech companies whose apps are discussed on this platform. No company pays to be listed. No company pays to be featured prominently. No company pays to have its reviews treated differently from any other.
This independence isn't just a policy statement — it's a structural decision. The moment a platform accepts money from the companies it reviews, the information it publishes becomes suspect. We chose not to enter that arrangement.
- No sponsored listings or featured placements
- No commercial agreements with reviewed companies
- No preferential treatment for paying companies
Zero referral commissions — ever
There are no affiliate links on this site. If you read about an app here and then go sign up for it, Balmadi receives nothing. We are not compensated based on traffic directed to any fintech company.
Referral-based revenue models create a subtle but real conflict of interest: the platform benefits when users sign up for apps, which creates pressure to present apps more favorably than the evidence warrants. We don't have that pressure because we don't have that revenue model.
- No affiliate links anywhere on the site
- No referral tracking of any kind
- No performance-based compensation from fintechs
What moderation means — and doesn't mean
This is the most important thing to understand about how reviews work on this platform.
We moderate for authenticity. We do not moderate for tone.
Every submission goes through a review process before it's published. That process is designed to identify and remove fake reviews, promotional content disguised as user experiences, and coordinated review campaigns. It is not designed to filter out negative opinions, soften critical language, or protect any company from unflattering coverage.
A review that describes a genuinely bad experience in direct, critical terms will be published if it passes authenticity checks. The fact that a company finds it unflattering is not grounds for removal. The fact that the language is harsh is not grounds for editing. We look for real — not for positive.
What we remove
Fake reviews created by individuals who didn't use the service. Promotional content submitted by companies or their representatives. Coordinated campaigns designed to inflate or deflate a company's reputation artificially.
What we don't edit
Negative opinions about real experiences. Critical language used to describe a genuine interaction. Assessments that a company's product, service, or support was inadequate. These stay as written.
Disputed factual claims
If a company contacts us about a specific factual error in a review — not an opinion, but a verifiable factual claim — we review it. If the error is confirmed, we may add a note. We do not remove reviews on this basis.
Why we don't recommend any app
Recommendations imply that we know what's right for you. We don't. A digital wallet that works well for someone who primarily sends money to family in another province might be frustrating for someone who needs to withdraw cash frequently. An investment app that suits an experienced user might be inappropriate for someone new to the instruments it offers.
The experiences documented on this platform are inputs for your own decision-making — not conclusions we've reached on your behalf. We think that's the more honest position, and we think it's more useful.
You'll also notice we don't display aggregate scores or star ratings. A single number collapses too much information. A user who couldn't withdraw their money for three days has a different kind of experience than a user who found the interface confusing — and both are different from a user who had a seamless experience. We'd rather you read the actual accounts than rely on a number that averages them together.