How we work

Editorial Policy

How articles on Informed Reads are produced, what our AI disclosure means in practice, and what we will and will not publish.

We think readers are entitled to know how what they are reading was made. This page sets that out plainly rather than burying it.

How articles are produced

Articles on this site are generated using artificial intelligence. Every one carries the byline AI-Generated and a notice at the end stating that the article was generated by AI. There is no hidden human byline and no pen name.

We want to be equally clear about what that does not include. No individual is credited as having fact-checked or approved each article, because no individual has. Some publishers add a line naming a person who reviewed the content for accuracy. We have chosen not to, because a claim like that is only worth anything if it is true, and we would rather tell you what the process actually is than describe a process we do not run.

What that means for you as a reader

Treat what you read here as a starting point for understanding how a product or process works, not as verification of any specific figure or rule that applies to your situation.

• Confirm anything time-sensitive. Rates, fees, contribution limits and eligibility criteria change, and they vary by state and by institution.
• Check with the provider. The terms of an agreement you have been offered are the terms that apply to you, whatever a general explainer says.
• Get advice for decisions. Nothing here is financial, tax, insurance or legal advice, and we are not a substitute for a professional who knows your circumstances.

What we will not publish

• Product recommendations. We do not name a best credit card, lender, insurer or bank, and we do not rank providers.
• Affiliate placements dressed as editorial. Where a link is commercial, it will be obvious that it is.
• Urgency or fear. Consumer finance content has a long history of using alarm to drive clicks. We write in the register of an explainer, not a warning.
• Personalised guidance. We cannot assess an individual situation and will not pretend otherwise, including in response to reader email.

Sources

Where an article describes a rule, a threshold or a legal protection, we work from the relevant primary source: the Consumer Financial Protection Bureau, the FDIC, the National Credit Union Administration, the Federal Reserve, the Department of Housing and Urban Development, the Centers for Medicare & Medicaid Services, and the published methodology of the scoring models where it is available.

We link to those sources where a reader is likely to want to confirm something or read the detail we summarised.

Corrections

If you find an error, tell us and we will fix it. That includes figures that have gone out of date as well as things that were wrong when published.

Send the article link and the specific passage to arb@ptl.com. We would rather correct a mistake than leave it up, and we do not treat a correction request as something to argue with.

Scope

Informed Reads covers consumer finance in the United States: credit and debt, borrowing and mortgages, insurance, and banking and savings. We stay inside that scope deliberately. A site that covers everything covers nothing carefully.

Who publishes this site

Informed Reads is published by Premium Traffic Limited.