Editorial policy
In effect since September 22, 2026.
This page explains where the things we publish come from, what happens to an article before it goes live, how we fix a mistake, and why the advertising on this site does not change what we write.
Where the facts come from
A number, a study, a rule or a deadline only goes into an article with a source. When we cite a figure, we say who published it and when we looked it up. We prefer the original document: the public agency, the full study, the official page of the institution. For the insurance articles, most of what we use is consumer material published by bodies such as the National Association of Insurance Commissioners, the state insurance departments and federal agencies, and each article links to the page we read.
Anything without a source does not become a statement of fact. Where a paragraph is our reading of a subject, the text says it is our reading. Coverage and consumer rules also change from one state and one contract to another, so an article describes how a coverage normally works and then says that your own policy is what settles it.
The scam examples are written by us
The fake messages that appear in our scam articles are written to teach. We do not use a screenshot, a conversation or the story of a real victim, even with the name removed. Someone who lost money to a scam should not become a public example.
The scam itself is real. The scene and the wording are invented. We also never reproduce the logo, the layout or the official phone number of a real company inside an example of a fake message.
When we name a company
Scammers use the name of a well known company because it makes the message look trustworthy. When we explain a scam like that, the company being imitated is a victim too, and the article says so in the first line. Naming a delivery scam after a carrier never means that the carrier runs the scam.
We do not publish “is this company a scam” pages and we do not suggest fraud without investigating it ourselves. We do not rank insurers and we do not publish a list of best policies. When an article compares financial products, the criteria are written down before any commercial relationship is considered, the same criteria are applied to every option, and the source and the date of the check are shown.
How we use artificial intelligence
We use artificial intelligence tools to research, to organize material and to draft part of our texts, and to produce the opening image of an article. None of that goes live on its own: a person at Prudents reads the whole text, checks the cited figures against the source and approves the image before publication. What is published is our responsibility, not the tool’s.
The opening images are computer generated illustrations. They show the situation the article describes, and they never show a real person, a real claim or a real document.
Advertising, affiliate links and independence
The site can show ads from advertising networks, including Google AdSense. The network picks those ads, using its own criteria. Prudents does not know in advance which ad will appear next to which article, does not sell space inside the text, and does not take payment to speak well of anyone.
Some links can earn Prudents a commission. When that is the case, it is written on the page itself, before the link. The commission does not change the analysis, the conclusion or the order of what we suggest. If the honest conclusion is that none of the options fits the reader, that is what the article says.
Ads and articles are kept apart on the page, and no ad is presented as if it were something we wrote.
Corrections and updates
Mistakes happen. When we find one, we fix the text, and when the mistake changed the conclusion we note the correction on the page itself. An article about a rule, a price or a deadline is reviewed when the information gets old, and it comes down when it stops being reliable.
Did you find a wrong figure, a broken link, or an explanation that does not match what your insurer told you? Write to [email protected]. We answer, and when the mistake is ours we say what changed.
Who writes and who reviews
The articles are written and reviewed by the Prudents team. We do not publish the name, the photo or the biography of the person who signs them, and the About page explains why: we write about fraud, we describe how scammers work, and we receive reports about people using the names of well known companies.
The trade is this: instead of asking you to trust the credentials of an author, we show the source behind each fact and take responsibility when we get something wrong.
What this content is not
What we publish is information to help you decide with a clearer head. It is not legal, insurance, tax or investment advice, and it does not replace the official service of the company or the agency involved. Prudents does not sell insurance and is not licensed to advise on it. Nothing we publish guarantees that a claim will be paid or that you will never be targeted by a scam.