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TheSavvyAmericans operates in a Your Money or Your Life (YMYL) subject area, where accuracy and trust matter enormously. This policy explains how our content is produced and reviewed.
Editorial independence
Our editorial evaluations are independent of advertising and affiliate relationships. Compensation from partners does not automatically determine whether a product is included, how it is rated, or where it ranks. Sponsored placements, where they appear, are clearly labeled as such.
A documented methodology
Comparisons and rankings follow a written methodology appropriate to the product, for example, weighing APR, fees and rewards for credit cards, or APY, fees and access for savings accounts. We explain the criteria on the relevant pages so you can judge our reasoning for yourself.
Fact-checking
We verify material financial details, rates, fees, APYs, APRs, eligibility, terms and promotional offers, against the provider and other authoritative sources before publishing, and we show a last-reviewed date where appropriate. We never fabricate rates, product details, statistics or promotional bonuses.
Separating fact from opinion
We distinguish objective product data from editorial opinion. Where we express a view about who a product suits, we frame it as our assessment, not as fact, and we explain the reasoning.
Credentials and expertise
We only display professional credentials that have been verified. We do not falsely claim that content was reviewed by a CPA, attorney, financial advisor, insurance agent or other licensed professional.
Corrections
When we get something wrong, we fix it. If you spot an error, please contact us and we will review and update the content as needed.
Not professional advice
Our content is educational and general in nature. It is not personalized financial, investment, tax, legal or insurance advice. For decisions specific to your situation, consult a qualified professional.