These are the rules we hold ourselves to. They exist so you can judge whether to trust what you read here.

Sourcing

Factual claims come from primary sources wherever one exists. Tax figures come from the IRS, not from another article about the IRS. Health guidance comes from the CDC, NIH or the relevant medical body. Insurance data comes from the National Association of Insurance Commissioners and state filings. Consumer protection material comes from the FTC and CFPB. Where we rely on a source, we link to it so you can read it yourself.

Figures that go out of date

Contribution limits, tax brackets, benchmark rates and clinical thresholds change. When we quote one, we say which year it applies to, so you can tell at a glance whether what you are reading is current.

Human review

Drafts are produced with AI assistance and edited by a person before publication. That editing pass exists specifically to catch the failure mode of machine-written text: confident statements that are subtly wrong. No article goes live without a human having checked its factual claims against the sources.

No invented expertise

We publish under a single editorial byline. We do not attach articles to invented authors, and we do not claim professional credentials, licenses or years of experience that nobody here holds. If an article would be better for a qualified professional having written it, the honest thing is to say so and point you to one, not to manufacture a persona.

Editorial independence

Advertising revenue keeps the site running. It does not influence what we cover, what we recommend or what we criticise. No advertiser sees an article before publication or has any right to change one afterwards.

Corrections

We correct openly. Substantive errors are fixed and marked on the article rather than quietly deleted. See our corrections policy.

Limits of what we publish

Nothing here is personalised advice. We explain how things work in general; we cannot and do not assess your individual circumstances. For decisions with significant money or health consequences, consult someone licensed.