Editorial policy

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We encourage submissions and contributions of all types. Any personal information you may provide is covered by our privacy policy. We reserve the right to edit, reformat and republish submitted content at our discretion.

Standards of publication are based on the "4 Way Test" loosely borrowed from Rotary International: 1) Is it the truth? 2) Is it fair? 3) Does it help understanding? 4) Does it benefit consumers?

Correction of errors will be made upon notification but we do not remove material simply because it casts a company, product or public official in an unfavorable light.

Questions or comments about editorial policy may be directed to Tony Novak at tnovak@freedombenefits.net.

About the author. This Web page is maintained by consumer finance writer Tony Novak. Contributions, comments, questions, feedback and updates are welcome to help keep content relevant and up-to-date. Contact the author directly by e-mail, on Twitter or through the contact information included on his Web site.