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) write and / or review every YMYL article. Both operate registered DSA practices in Ahmedabad.
• 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).
• RBI-registered DSA / agent with at least 5 years of active loan-sourcing experience.
• 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• We do not publish anonymous bylines, pen names, or AI-generated bylines on YMYL topics.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

• Every author has a real, recognisable head-shot on their profile page. No avatars, illustrations or AI-generated photos.
• The photo on the site must match the photo on the author’s LinkedIn profile (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 credentials, role, areas of expertise, articles written, and contact channels.

9. Contact

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