When the topic is your money, the bar for accuracy is high. This policy explains how CashPicks creates and maintains its content — who writes it, how we check it, and the rules that keep our information honest, current, and free from outside influence.
01 Our editorial promise
CashPicks publishes content to help Canadians understand short-term borrowing and make confident, informed decisions. Every guide, FAQ, and calculator on our site exists to inform — never to pressure.
We commit to four things in everything we publish:
- Accuracy — information that reflects current Canadian rules and real lender practices
- Clarity — plain language anyone can follow, no jargon for jargon's sake
- Balance — the genuine pros and cons, including when borrowing may not be the right choice
- Independence — content shaped by facts, not by which lender pays us
02 Who writes & reviews our content
Our content is created by writers who specialise in Canadian personal finance, then reviewed by team members with hands-on experience in banking, lending, and consumer-credit regulation.
Anything that touches rules, costs, or eligibility — the parts that affect your money directly — is reviewed by a subject-matter expert on our team before it goes live. Our Head of Lender Standards, who has a decade in Canadian consumer credit, signs off on regulatory claims.
You can read about the people behind CashPicks on our About page. We believe you should know who's giving you financial information.
03 How we research & source
We build our content on primary, authoritative sources — not other blogs. Wherever a claim involves law, costs, or consumer rights, we trace it back to the original source, such as:
- Federal legislation and regulations, including the Criminal Interest Rate Regulations
- Provincial and territorial consumer-protection and payday-loan statutes
- Government bodies like the Financial Consumer Agency of Canada (FCAC) and the Office of the Privacy Commissioner
- The published terms and disclosures of the licensed lenders we work with
When we reference a rule or figure, we aim to link to or name the official source so you can verify it yourself.
04 Our fact-checking process
Before anything is published, it goes through a simple but strict check:
- Every factual claim is verified against a current, authoritative source
- Every dollar figure, fee cap, and limit is confirmed against the latest regulations
- A second team member reviews the piece for accuracy and clarity
- Regulatory and eligibility claims get a final sign-off from a subject-matter reviewer
If we can't verify a claim against a reliable source, we don't publish it.
05 Keeping content accurate & up to date
Lending rules change — provincial caps shift, federal regulations update, and lender terms evolve. Outdated money information can do real harm, so we treat freshness as part of accuracy.
- We review our core content (calculator, FAQs, guides) on a regular schedule, at least annually
- We update promptly when laws or regulations change, such as the federal cap that took effect 1 January 2025
- Each policy and guide shows a "last updated" date so you know how current it is
06 Editorial independence
This is the rule we care about most. Our content is never shaped by commercial relationships. A lender cannot pay to receive a more favourable write-up, a better ranking in our guides, or to have criticism removed.
The team that researches and writes our content works separately from the team that manages lender relationships. Our editorial standards — accuracy, clarity, balance — always come first, even when that means publishing something a partner would prefer we didn't.
CashPicks is a free platform for you to use. To keep it that way, we may be compensated when you connect with a lender through our site. That compensation never influences what we write, the facts we report, or the guidance we give.
07 Our use of AI
We may use AI tools to help with research, drafting, or editing — but never to replace human judgement. Every piece of content, whatever role AI played in producing it, is reviewed, fact-checked, and approved by a qualified human before publication. We take full responsibility for everything we publish.
08 Corrections policy
We're human, and mistakes can happen. When we get something wrong, we fix it quickly and openly. If you spot an error — an out-of-date figure, an unclear explanation, a broken rule — tell us, and we'll review it. Significant corrections to published content are noted with an updated date.
09 Your feedback shapes our content
The best money content answers the questions real people actually have. If something on CashPicks confused you, left a question unanswered, or didn't fit your situation, we want to hear about it. Reader feedback directly guides what we write next and how we improve existing pages.
10 Contact the editors
Questions about our content, a correction to flag, or a topic you'd like us to cover?
- Email: support@cashpicks.ca
- General support: Contact us