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    SimpleLoan

    Editorial Policy

    Last reviewed: September 2026

    Our Mission

    SimpleLoan Canada exists to help Canadians make better borrowing decisions through transparent, fact-checked content. We do not lend money. We are not a broker. We earn revenue through display advertising and affiliate commissions when readers apply for a loan via our site — but commercial relationships never influence our ratings, rankings, or editorial coverage. See our How We Make Money page for full transparency.

    Source Standards

    Every claim in our content traces back to a primary source. We rely on:

    • Bank of Canada — overnight rate, prime rate, bond yields
    • Financial Consumer Agency of Canada (FCAC) — disclosure rules, consumer protection guidance
    • Office of the Superintendent of Financial Institutions (OSFI) — mortgage stress test, B-20 guidelines
    • Statistics Canada — household debt, income, employment data
    • Equifax Canada & TransUnion Canada — credit-score methodology and reporting
    • Canada Revenue Agency (CRA) — TFSA/RRSP limits, tax treatment
    • CMHC — mortgage insurance rules, default insurance premiums

    We do not cite secondary blogs, forums, or aggregator sites as authoritative sources.

    Fact-Checking Process

    1. Every article is researched by a writer using primary sources only.
    2. Numerical claims (rates, limits, thresholds) include the source and date in-text or in footnotes.
    3. Editorial review verifies all citations before publication.
    4. AI-assisted drafts are always fact-checked by a human against primary sources before publication. We do not publish unedited AI output.
    5. Published articles are reviewed quarterly. Stale content is flagged automatically and refreshed or marked deprecated.

    Authors & Bylines

    Every article carries a real byline. Author bios, credentials, and contact information are published on dedicated author pages. We do not use ghostwritten or pseudonymous bylines for editorial content.

    Corrections Policy

    If you spot a factual error, email us at editorial@simpleloan.ca. We acknowledge corrections within 48 hours and update the article with a dated correction note appended to the bottom of the page. Material corrections (changes that alter a recommendation) are noted at the top of the article.

    Independence from Lenders

    Lenders cannot pay to influence rankings, ratings, or coverage. Our lender directory is open to any Canadian-licensed lender meeting basic eligibility. Featured placements are clearly labeled as "Featured" or "Sponsored" and do not affect star ratings or editorial reviews.

    Reader Feedback

    Readers can flag content for accuracy, fairness, or bias issues using our content-flag system. Flags are reviewed by editorial staff within 5 business days. We publish a quarterly transparency report summarizing flag volume and resolutions.