How we work
Our editorial policy
You should be able to see where a guide’s information comes from, how it was checked and how to tell us when something is wrong.
From a question to a guide
Our process has four stages: identify a reader’s question, research the relevant evidence, prepare a draft and review it for publication. Editors review facts, numbers, sources and wording before a guide is published. No review process catches every error, so please tell us if you find one.
Research and sources
We prioritize primary sources, such as government publications, original research and official program documentation. For figures and rules, we check the claim, its source URL and the date or period it applies to. When we cannot verify a number, we try not to publish it.
Guides generally link to their sources so you can review the underlying information. Estimates and examples are labeled as such, with their assumptions explained. An example is not a measured result, and a researched guide is not a claim that we have personally tested every suggestion.
AI assistance and human review
We use AI to organize research and prepare drafts. An editor reviews each draft and decides whether to publish it. Human review reduces errors, but it does not guarantee that every article or every statement is accurate, complete or current.
Specialist review
A “Reviewed by” credit is shown only after specialist review has been completed and its date and scope have been recorded. A reviewer assignment alone is not a completed review. Articles without that credit have had editorial review only. A reviewer’s involvement is not a guarantee that a guide fits every reader’s circumstances.
Health and money topics
Our health and family money guides provide general educational information. They are not medical or financial advice, and they do not replace guidance from a qualified professional familiar with your situation. They are not a diagnosis, a treatment plan or a personalized investment recommendation.
For decisions about your health, treatment, taxes, insurance or investments, consult an appropriately qualified professional. Check current official guidance and the rules that apply in your state. Guides in our Parenting and Family Money sections, and guides with a completed specialist review, show a short notice to this effect before the article begins.
Updates and corrections
When we identify an error, we correct the article. When a correction changes a figure, a rule or a conclusion, we add a note at the end of the article in this example format (this is not a correction to a specific guide):
Correction (October 20, 2026): An earlier version of this guide gave the wrong age limit. It has been corrected.
The date is the day the correction was made. Minor spelling and wording changes do not normally receive a separate correction note.
Publication and update dates help you assess how current a guide is. An update date reflects a change to the article’s content, rather than a new page view.
Disclaimer
General information only. Our guides are for general educational purposes. They are not medical, financial, investment, tax or legal advice, or a personalized recommendation about any product, service or investment.
No professional relationship. Reading our guides or contacting us does not create a doctor–patient, attorney–client, financial adviser–client or any other professional relationship with memStock LifeStyle or modo, Inc.
No guarantee. We aim to keep our information accurate, but we do not guarantee that it is accurate, complete or up to date. Laws, programs, prices and guidance change, and information may be out of date by the time you read it. Content is provided “as is.”
Your decisions. You are responsible for decisions you make based on our content. Investing involves risk, including the possible loss of money. To the fullest extent permitted by applicable law, modo, Inc. and the people who write for or review the Site will not be liable for any loss or damage arising from your use of the Site or reliance on its content, including direct, indirect, incidental, consequential, special or punitive damages and loss of money, profits or data. Nothing in these limitations excludes or limits liability for fraud, intentional misconduct, gross negligence, death or personal injury to the extent that liability for it cannot be limited under applicable law, or any other rights or liability that cannot lawfully be waived or limited. Some states and other jurisdictions do not allow certain warranties to be excluded or certain liability to be limited, so some of these limitations may not apply to you.
Links to other sites. We link to outside sources so you can check them. We do not control those websites. Their content, accuracy and practices may change; check their current terms and policies.
Products and services. Unless expressly stated otherwise, a mention of a third-party product, service, company or financial institution does not imply an endorsement or affiliation. Compare the options and check their terms and risks yourself before choosing one.
Advertising. memStock LifeStyle does not currently participate in affiliate programs, accept payment for placement in guides or publish sponsored guides. If we introduce these relationships, we will disclose them clearly and close to the recommendation in the affected guides, and update this policy.
Rules vary by state. Laws, benefits, taxes and requirements differ by state and locality. Check the official guidance that applies where you live.
Emergencies. Our guides are not for emergencies. If you or someone else may be in danger in the United States, call 911. Elsewhere, use your local emergency number. In the United States, for a possible poisoning call Poison Help at 1-800-222-1222; for a mental health crisis, call or text 988.
These conditions are intended to apply to use of this publication. To the extent permitted by applicable law and where legally enforceable, Japanese law governs and the Tokyo District Court is the exclusive court of first instance for disputes within these conditions’ scope. Mandatory laws of a reader’s state may apply regardless of these provisions. Nothing here excludes non-waivable rights or a regulator’s authority.
We identify policy updates by date and provide prominent notice of material changes. Where notice or consent is required by applicable law, we provide that notice or seek that consent.
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This section summarizes our Disclaimer and Terms of Use. See also our privacy policy.
Contact the editors
To flag an error or ask about our editorial process, use our contact form. If you cannot use the form, email us at support@memstock.com. Include the article URL, the relevant passage and any supporting source. Neither the form nor email is a service for individual medical, financial or legal advice. Please do not send medical records, account details, Social Security numbers or identifying information about children. We do not promise a response time.
For information about the publisher, see About memStock LifeStyle.