Who writes the words.

Money Matrix Hubwrites about money — home loans, business loans, personal loans, tax-linked loans, NRI financing, and the regulations behind them. Because financial decisions sit squarely inside Google’s “Your Money, Your Life” (YMYL) bracket, we hold our authors to a higher bar than a generic blog. This page sets out that bar.

1. Who writes on Money Matrix Hub

• Founders.Jay Patel (Co-Founder & Chief Loan Advisor) and Rushik Patel (Co-Founder & MSME Loan Advisor) may write or review loan-advisory content. Their current lender-sourcing role and any partner authorization must be verified against the relevant documentation; this page does not present an RBI registration claim while the canonical value is pending verification.
• In-house finance team. Salaried writers and analysts with a relevant credential (see Section 2) and a minimum of 3 years of practical exposure to Indian banking, NBFC underwriting or financial advisory.
• Vetted contributors. External experts (CA, CFA, CFP, CS, RIA, advocate) on a per-article basis. All contributor pieces carry a real photo, a verified credential, and a banker review.

2. Credential requirements

Authors and reviewers writing on YMYL topics must hold at least one of the following credentials, or equivalent proven experience, before we publish their byline:

• CA — Chartered Accountant (ICAI member in good standing).
• CFA — Chartered Financial Analyst (CFA Institute).
• CFP — Certified Financial Planner (FPSB India).
• CS — Company Secretary (ICSI).
• Documented lender-appointed DSA / agent role, where applicable, with partner authorization and relevant loan-sourcing experience verified against records.
• SEBI-registered RIA(for content that references investment-adjacent decisions, only as “awareness”, never as personalised advice).
• Practising advocate for content covering RERA, mortgage law or DPDP Act interpretation.

3. Byline standards

• Every YMYL article carries a visible byline with the author’s real full name, role, credential, and date of publication.
• A “Reviewed by” line is added below the byline whenever the article was reviewed by a different person from the author. Default review pair: Jay Patel & Rushik Patel.
• We do not publish anonymous bylines, pen names, or AI-generated bylines on YMYL topics.

4. Real-photo requirement

• A real, recognisable head-shot is required before an author is presented as a verified profile. Placeholder art must be labelled as a placeholder and is not evidence of identity.
• When a photo is published, it should match the photo on the author’s LinkedIn profile or another verifiable professional source linked from the bio.

5. Bio standards

Each author profile includes:

• Full name and current role.
• Credential(s) and the issuing body (e.g., “CA, ICAI membership #XXXXXX”).
• Years of relevant experience and a one-paragraph specialism.
• At least one external verification link (LinkedIn, ICAI member directory, professional council page).
• Contact channel (email, WhatsApp, or contact form), so readers can reach the author with corrections or queries.
• Conflict-of-interest disclosure where relevant (see Disclosures).

6. No anonymous bylines on YMYL

We do not publish anonymous, pseudonymous, or undisclosed-AI-generated content on any YMYL topic. Every YMYL article must be attributable to a real, named human with verifiable credentials. Where AI-assist is used as a drafting aid, this is disclosed in the editorial policy and the final published byline is the human reviewer.

7. Onboarding & ongoing checks

• Onboarding:identity verification, credential verification (we ask for the membership / registration number and verify it against the issuing body’s directory), conflict-of-interest declaration.
• Annual review:we re-verify each author’s credential annually and update the bio.
• Lapsed credential: if a credential lapses, the byline is updated within 14 days and any article affected is re-reviewed.

8. Author profile pages

See live profiles at /authors. Each lists the evidence currently available for credentials, role, areas of expertise, articles written, and contact channels. Pending items are labelled rather than inferred.

9. Contact

For author applications, credential verification questions, or to flag an author byline, email jay@moneymatrixhub.com with subject line “Authors policy”.