Our Standards for Accuracy, Transparency, and Reader Trust
Last Updated: November 09, 2025
At Novozora, our mission is to make personal finance clear, reliable, and easy to understand for readers — with a strong focus on the United States. As a “Your Money, Your Life” (YMYL) publisher under Google’s guidelines, we uphold the highest standards of Experience, Expertise, Authoritativeness, and Trustworthiness (E-E-A-T) in every article.
We are not licensed financial advisors and do not provide personalized financial, legal, or tax advice. Our role is to research, fact-check, and simplify complex topics so readers can make informed financial decisions — and consult professionals when needed.
How We Maintain Trust:
Every article undergoes a rigorous review process, uses verifiable data, and clearly cites sources to ensure transparency, accuracy, and objectivity.
1. Editorial Team
- Adarsha Dhakal – Co-founder, Writer & Research Lead, Partnership Manager
Leads deep-dive research and crafts comprehensive finance guides for readers. - Diwash Dhakal – Co-founder, SEO & Editorial Lead, Site Monetization Manager
Oversees editorial strategy, SEO integrity, and sustainable content growth. - Preti Acharya – Content & Research Specialist
Supports data validation and ensures clarity across all published content. - Siwani Khawas – Content Verification & Compliance Specialist
Verifies facts, cross-checks data, and ensures compliance with editorial standards.
Together, the team ensures every article meets Novozora’s editorial principles of accuracy, fairness, and transparency.
2. Accuracy and Fact-Checking
Credible Sources: All information published on Novozora is based on authoritative references such as U.S. government agencies (IRS, FDIC, SEC, CFPB), official issuer websites, peer-reviewed studies, and respected research organizations (e.g., Federal Reserve, Morningstar, Consumer Reports).
Verification Process: Each fact, statistic, and product detail is verified using multiple reputable sources. Emerging claims are validated with fact-checking organizations such as FactCheck.org and Snopes. We cross-check product terms, fees, and rates directly from issuer filings and official documentation.
Inline Citations: Important claims include in-text links to official or primary data sources for reader verification.
Regular Reviews: Content is re-audited quarterly or after significant financial, economic, or policy changes to maintain accuracy.
3. Experience and Expertise
Author Credentials: Each article includes a visible author byline linking to a verified author profile, summarizing relevant experience and editorial role.
Practical Insights: We focus on real-world financial examples — including U.S. banking, tax, credit, and investing systems — to ensure practical value for readers.
Expert Input: We base all content on thorough research using authoritative sources, including government agencies, peer-reviewed studies, and official industry data. Every article is reviewed internally by our editorial team to ensure accuracy and clarity.
4. Diversity, Inclusivity, and Bias Mitigation
Novozora values diverse perspectives and ensures all financial content remains neutral, inclusive, and people-first. Our editorial process includes checks for cultural sensitivity, fair representation, and gender-neutral language. We comply with WCAG 2.1 accessibility standards, including readable fonts, proper contrast, and descriptive alt text for images.
5. Editorial Independence
Reader-First Approach: All editorial decisions are made independently by the Novozora team. Our recommendations are driven solely by educational value, relevance, and reader interest — never by advertiser influence.
No Pay-to-Play: We never accept payment for coverage or ranking. Product comparisons are objective, highlighting both advantages and drawbacks.
6. Advertising and Affiliate Disclosure
Transparency: Some content may include affiliate links. These are clearly disclosed within the article (e.g., “We may earn a commission if you use this link — at no cost to you.”).
Compliance: All affiliate links include rel=”sponsored” or nofollow attributes, following FTC and Google AdSense requirements.
Independence: Affiliate partnerships do not influence our editorial decisions. Sponsored content, when published, is always labeled as “Sponsored” or “Advertisement” and kept separate from independent articles.
7. Readability and User Experience
We write in clear, concise English and explain financial terms (like “APR,” “compound interest,” or “credit utilization”) in plain language. Articles use structured formatting — short paragraphs, lists, visuals, and FAQs — to improve readability across devices. Interactive tools, calculators, and tables are added where useful to enhance comprehension.
8. Updates and Corrections Policy
Routine Updates: All articles are reviewed every six months or sooner when major updates (such as tax law changes or new credit card rates) occur. Updated articles display a timestamp at the top.
Corrections: If factual errors are identified, they are corrected promptly (usually within 24 hours) and annotated for transparency (e.g., “Correction: Updated APR from 4.5% to 4.75%”). Older versions are archived internally for record-keeping.
9. Compliance and Transparency
Novozora complies with:
- Google’s Search Essentials and AdSense Publisher Policies
- Google Discover and News Content Guidelines
- U.S. FTC disclosure regulations
- Nepal’s E-Commerce Act 2081 (operational jurisdiction)
Every article and page links to our Privacy Policy, Terms & Conditions, and Disclaimer. We never publish deceptive, harmful, or misleading information.
10. Methodology
Our Evaluation Process: For topics such as credit cards, loans, banking, or insurance, we analyze publicly available data from official institutions (IRS, CFPB, FDIC, SEC) and reputable financial sources. Key factors considered include interest rates, fees, accessibility, customer satisfaction, and long-term value. All information is cross-checked by at least two sources, and data is reviewed by the editorial team for consistency.
No Paid Influence: We never accept compensation or incentives in exchange for favorable coverage or rankings. Any partnerships are disclosed clearly and separately from editorial work.
Transparency: We link to original data sources whenever possible and disclose evaluation criteria in relevant articles, allowing readers to verify accuracy and fairness.
Non-Advisory Role: While we aim to help readers make confident decisions, our content is for educational purposes only. Readers are encouraged to consult certified professionals for personalized advice.
11. Contact and Feedback
We value feedback from our readers. If you find inaccuracies, have suggestions, or want to contribute feedback, please reach out via our Contact Page or email us at contact.novozora@gmail.com.
We respond to all verified inquiries within 48 hours and continually refine our content based on reader input.