Editorial Policy

Who publishes this

This policy covers Shield, published at insurance.omc.center, and every other site published by Omni Mundi Compendium.

The network is written in English for readers in the United States, and it is independent: no government body, insurer, brokerage or trade group funds it or reviews it before publication. The advertising that pays for it is served by Google and is separated from editorial decisions.

These standards apply to every site in the network. A sub-site may add detail of its own, but it may not be looser than this.

How an article is made

Concretely, there are two passes, and both are AI. The first produces the draft: it works from primary sources and is required to name them. The second is a separate review that reads the draft against a written checklist and has to be satisfied before publication. Corrections coming out of that pass are applied to the text — not filed somewhere and forgotten.

What the process does not produce is a human editor's sign-off or a licensed professional's review, and we do not claim either. We would rather disclose this plainly than let a byline imply credentials nobody holds.

What the review pass checks

The checklist is fixed in advance and the review has to clear it:

• Every statute, regulation, form number, dollar figure and date traces to a source that can be named.
• No citation is left in that cannot be opened and verified; an unverifiable reference is replaced with a working one from the primary source.
• The article states the jurisdiction it applies to, and says explicitly where the answer varies by state instead of quietly picking one.
• Time-sensitive rules carry the date they took effect.
• The disclaimer matches the field the article is published in.
• Every calculation and table in the article is recalculated rather than trusted.
• No invented agencies, programmes, deadlines, URLs or document numbers — a plausible-looking fabricated reference is treated as a blocking defect.

When the review finds nothing, that is recorded too: a clean pass is logged, so that "checked and clean" is distinguishable from "never looked at".

Sources we accept

Primary sources come first, and the closer to the statute or the agency the better: the U.S. Code and state codes, the Federal Register, agency guidance and official forms from agencies such as the IRS, CMS, SSA, DOL, EEOC, CFPB, FTC, SEC and state insurance or consumer regulators, court rules, and non-partisan research services. Trade associations and regulator directories are used for industry practice, with their limits noted.

Articles list their sources at the foot of the page so a reader can go and check. We do not cite a source we have not opened.

Jurisdiction and scope

Practical guidance is anchored to United States federal rules, with the applicable state variation stated. We do not translate one country's rules and present them as universal. Where a subject genuinely is universal — physics, philosophy — we say so rather than inventing a local angle. Where a field is regulated state by state, articles say that the answer depends on your state and point to how to check it.

Dates and updating

Every article carries the date it was published and, where it has been revised, the date it was last updated. Claims tied to a point in time — a contribution limit, an enrolment window, a subsidy expiry — carry the year or the effective date in the sentence itself, so that they cannot be read as timeless.

Small corrections are made in place and the updated date moves. When the premise of a piece no longer holds — a rule repealed, a programme replaced — the article is rewritten rather than patched, because patching leaves the old reasoning embedded in the new text.

Corrections

If you find a factual error, an out-of-date rule, an imprecise claim or a broken source, tell us. Corrections are verified against the primary source before anything changes; once verified, the text is fixed, the updated date moves, and substantive corrections are noted at the foot of the article rather than made silently.

Correction requests go to:

editor@omc.center

Independence and advertising

• No sponsored articles, no paid placements and no advertorials are published on this network.
• No affiliate links: we do not earn a commission from anything you buy after clicking through.
• Ads are served by Google, which also decides which advertisers appear. Advertisers have no sight of articles before publication and no input into them afterwards.
• Where a subject is politically contested, we describe the disagreement and who holds each position — we do not campaign.

What we will not do

• We will not give personal advice for an individual case, however specific the question in the email.
• We will not publish on a subject where we cannot explain the reasoning behind the conclusion.
• We will not use a headline or a conclusion to imply more certainty than the sources support.
• We will not hide the method: how the writing is produced is stated here, and the fact-checking standard is published in the repository as REVIEW.md.

The limits of this process

An AI-rewritten-and-reviewed article can still be wrong, and the failure mode is a specific one: an error that reads as plausible. That is exactly why the disclaimers on this network are not boilerplate, why every figure is supposed to trace to a source, and why we ask readers to tell us when something does not add up.

Treat what you read here as a good map, not as a surveyor's measurement. For anything with money, health or legal consequences attached to it, verify against the primary source and take advice from someone licensed in your jurisdiction.