Advertiser Disclosure

1. How Oquilia Earns Revenue

Oquilia is a free financial intelligence platform. We do not charge users for access to our calculators, insurance analysis, comparison tools, or educational content. To sustain the Platform and fund ongoing research and development, Oquilia earns revenue through one primary source:

Google AdSense display advertising.Google places contextual advertisements on our pages. When you visit a page on Oquilia, Google's advertising system may display banner ads, text ads, or other ad formats based on the content of the page and, if you have consented to advertising cookies, based on your general browsing interests. Oquilia receives a share of the revenue generated when these ads are displayed or clicked. Advertising is clearly labelled with the text “Advertisement” wherever it appears on the Platform.

2. We Earn Zero Affiliate Commissions

We want to be completely transparent about this: Oquilia earns no affiliate commissions, referral fees, lead generation fees, or distribution fees from any financial product or financial services company.

We do not have commercial arrangements with any insurance company, mutual fund house, bank, NBFC, stock broker, or financial distributor under which we receive payment for directing users to their products or services. We do not participate in any Cost-Per-Lead (CPL) or Cost-Per-Acquisition (CPA) programmes.

This is a deliberate and foundational editorial policy. Many financial comparison websites in India operate primarily as lead generation platforms, earning large commissions when users apply for or purchase products through their links. This creates an inherent commercial incentive to promote higher-commission products, irrespective of their suitability for the user. Oquilia explicitly rejects this model. Our sole commercial relationship is with Google AdSense, a display advertising network, not with any financial product provider.

3. Editorial Independence

Our editorial content — including insurance scores, plan comparisons, calculator outputs, blog articles, and data analysis — is produced entirely independently of our advertising relationships. Advertisers have no influence over, and play no role in:

• The Oquilia Score assigned to any insurance company or plan.
• Which financial products or companies are featured or reviewed.
• The editorial stance or conclusions of any article or analysis.
• Calculator logic, formulas, or output presentation.
• The identification and publication of Gotcha Alerts or negative findings about a financial product.

No advertiser can purchase a higher score, a more prominent position in our comparisons, or the removal of a critical finding from our analysis. Google AdSense operates programmatically; the ads displayed are selected by Google's algorithms and are not subject to editorial negotiation by Oquilia or by the advertisers whose ads happen to appear on our pages.

4. How Ads Are Labelled

In compliance with Google AdSense programme policies and applicable advertising standards, all paid advertisements displayed on Oquilia are clearly distinguished from editorial content. Advertisements carry the label “Advertisement” or “Sponsored” visually adjacent to the ad unit. If you are uncertain whether a particular piece of content is editorial or advertising, please contact us and we will clarify.

5. Comparison and Calculator Results

The results produced by our financial calculators and the rankings, comparisons, and scores displayed in our insurance and investment analysis are based solely on data, formulas, and our editorial methodology. They are not influenced by which companies choose to advertise (or not advertise) on the Platform. An insurer that does not advertise on Oquilia may receive a higher Oquilia Score than one whose ads appear on our pages, and vice versa, because the Score is based entirely on IRDAI data, policy wording analysis, and our published methodology.

6. Managing Advertising Cookies

Google AdSense uses cookies to deliver personalised advertisements. These cookies are only placed on your device if you accept cookies through our consent banner. If you decline cookies, you will still see ads on the Platform, but they will be non-personalised contextual ads based on the content of the page rather than your browsing history. You can manage your Google ad personalisation preferences at adssettings.google.com. For more information about cookies, see our Cookie Policy.

7. Contact

If you have questions about this Advertiser Disclosure or our revenue model, please contact us at editorial@oquilia.com.