Editorial Guidelines

Last updated: July 9, 2026

Our business model creates an obvious tension: we are paid by the companies we send you to. These guidelines describe how we keep our educational content honest anyway, and how to hold us to it.

Principles

• Advertisers do not approve content. No partner reviews, edits or vetoes our educational articles, comparisons or guidance before publication.
• We disclose the conflict. Every page carries a link to our Advertiser Disclosure, which states plainly how compensation influences which offers appear.
• We say what we do not know. Where an outcome depends on your state, your credit, your insurer or your county, we say so rather than inventing an average.
• We do not publish fabricated statistics. If we cannot source a number, we do not print a number. We avoid invented "average savings" figures, invented testimonials and invented review counts.
• We include the downside. Debt settlement can wreck your credit. A cash-out refinance puts your house behind unsecured debt. A HELOC payment can jump. Our pages say this on the page that sells the product.
• We point you off-site. Where a free government resource exists — Medicare.gov, HealthCare.gov, donotcall.gov — we link to it, even though it costs us the lead.

Sourcing

Where we describe how a product, program or regulation works, we rely on primary sources: the text of the regulation, the administering agency, or the plan or policy documents themselves. Where a claim is contested or varies, we describe the variation instead of picking a convenient number.

Review and updates

Product rules change — enrollment windows move, loan-to-value limits shift, tax treatment is revised. We review product pages periodically and after any material regulatory change. Each legal page carries a "last updated" date.

Corrections

If you find an error, tell us at contact@topzmedia.com. We correct factual errors promptly. Substantive corrections to a claim that could have affected a reader's decision are noted on the page.

What this content is not

Nothing on this site is insurance, legal, tax, financial or medical advice. See our General Disclaimer.