Editorial policy
Every guide on this site goes through the same process. We’re publishing it so you can hold us to it.
1. Editorial integrity
Guides are written for readers first. We do not rank products by what pays the most, and any paid arrangement with a third party is disclosed on the page itself. We will never describe a product as something it is not.
2. Sourcing
Every rule, threshold and figure is traced to a primary source: HMRC, the FCA, the PRA, the Bank of England, the Department for Work and Pensions, the Ministry of Justice, the Insolvency Service, the Pensions Regulator, NS&I, or the relevant devolved authority. Where we use secondary analysis (for example from the IFS, the ONS or trade bodies), we say so.
3. Plain English
Drafts are edited to a reading age that lets someone meeting the topic for the first time understand it. Jargon is explained on first use. Every guide uses British English spelling and UK currency.
4. Fact-checking
Every guide is reviewed by a second editor before publication. We re-check every figure at least every two months, and immediately whenever HMRC, the FCA, the Bank of England or government publishes a relevant change.
5. Date stamps
Every guide carries a publication date and a last-updated date. Both reflect real edits — we do not bump dates for cosmetic refreshes.
6. Corrections
If you spot a mistake, please tell us via the contact page. Substantive corrections are logged at the foot of the affected page with the date and a short note of what changed.
7. Not advice
Nothing on this site is personal financial advice. We provide information; an FCA-regulated adviser provides advice. We are not authorised by the FCA and we do not need to be — because we do not give advice, regulated activity or arrange any deal.
8. AI use
We use AI tools to assist research, summarise primary sources and check readability. We do not publish AI-generated text as a final guide. A human editor writes, edits and signs off every page.