Editorial Policy
Learn how Kredly researches, reviews, updates, and corrects money transfer content while protecting editorial independence.
Kredly publishes independent comparisons, provider information, currency data, and educational content about international money transfers.
This Editorial Policy explains how we research, write, review, update, and correct content. It also describes how we protect our editorial decisions from commercial influence.
Kredly is operated by KredlyCo. We do not transfer money, hold customer funds, provide personalised financial advice, or act on behalf of a money transfer provider.
1. Our editorial purpose
Our goal is to help users understand and compare international money transfer services using clear, relevant, and supportable information.
Kredly content is designed to help users:
Understand how money transfer pricing works.
Compare recipient payout, fees, and exchange-rate markup.
Identify important differences between providers.
Understand the limitations of transfer quotes and delivery estimates.
Learn which questions to ask before sending money.
Find primary provider and regulatory information.
Make more informed independent decisions.
Our content is informational and educational. It is not a substitute for professional financial, legal, or tax advice.
2. Editorial independence
Kredly’s editorial decisions are made independently from provider compensation and commercial relationships.
A provider cannot pay to:
Receive a favourable review.
Remove a relevant limitation.
Change an organic ranking.
Receive a higher editorial rating.
Prevent publication of a supported criticism.
Be described as suitable for every user.
Control the conclusion of an article or comparison.
KredlyCo may earn compensation through affiliate relationships or sponsored placements. These arrangements do not determine the conclusions of our editorial content or the organic order of comparison results.
Commercial relationships are explained in our Affiliate Disclosure.
3. Separation of organic and sponsored content
Organic comparisons are based on the methodology described on Kredly.
Sponsored content, if displayed, should be:
Clearly labelled as sponsored, paid, or promotional.
Visually distinguishable from organic results.
Kept separate from the organic ranking calculation.
Presented without disguising advertising as independent editorial content.
A sponsored placement does not make a provider the organic Best overall result.
Editorial contributors are expected to distinguish between factual analysis, independent opinion, and paid promotional content.
4. Editorial scope
Kredly may publish content about:
International money transfer providers.
Transfer fees and exchange rates.
Recipient payout.
Exchange-rate markup.
Payment and payout methods.
Transfer speed and delivery estimates.
Currency conversion and rate history.
Provider availability.
Destination countries and currencies.
Transfer safety and fraud prevention.
Large international transfers.
Regulatory and consumer protection considerations.
General educational information about international payments.
We do not publish personalised recommendations based on a user’s complete financial circumstances.
We also do not claim that a provider suitable for one user, amount, route, or jurisdiction will be suitable for everyone.
5. Sources and evidence
Kredly aims to use reliable and relevant sources.
Sources may include:
Official provider websites.
Provider APIs and structured quote data.
Provider terms, pricing pages, and help centres.
Regulatory registers and regulator publications.
Government websites.
Primary legal or regulatory documents.
Market exchange-rate data.
Publicly available provider documentation.
Direct provider communications.
Kredly’s structured observations and historical data.
Reputable secondary sources where primary information is unavailable.
We prefer primary sources for claims about:
Fees.
Exchange rates.
Transfer limits.
Delivery times.
Provider availability.
Regulation.
Safeguarding.
Licensing.
Eligibility.
Cancellation and refund terms.
Secondary sources may provide context but should not replace a relevant primary source when one is available.
6. Provider-supplied information
Providers may supply information, documentation, corrections, or clarification to Kredly.
Provider-supplied information is not accepted automatically as accurate or complete. Where appropriate, we may compare it with:
Published provider terms.
Observed quote data.
Regulatory information.
Other available primary sources.
Existing structured data.
Providers may review specific factual concerns but do not receive general editorial approval rights.
We do not promise providers advance notice before publication.
7. Reviews and provider profiles
Provider pages may include factual information and editorial analysis.
Depending on available data, a provider profile may consider:
Observed transfer fees.
Exchange-rate markup.
Recipient payout.
Delivery information.
Payment and payout methods.
Availability across published routes.
Provider rating data.
Published advantages and limitations.
Provider regulation and legal entities.
Customer support and complaint information.
Material restrictions or unavailable information.
A provider’s commercial relationship with Kredly does not guarantee inclusion, a favourable profile, or a particular rating.
Provider services and protections may vary by country. Users should verify the provider entity and regulator applicable to their jurisdiction.
8. Comparison and ranking content
Transfer rankings are generated separately from editorial opinion.
For a selected route and amount, organic offers are generally ordered using the recipient payout returned by the available structured quote data.
Fees, exchange-rate markup, delivery estimates, and payment methods may be displayed as additional comparison information.
The editorial team does not manually move an affiliate provider above another provider in organic results.
Detailed information is available in our Comparison Methodology.
9. Accuracy standards
We aim to make content:
Factually supportable.
Clear and understandable.
Relevant to the user’s likely decision.
Transparent about limitations.
Appropriately qualified where information is uncertain.
Consistent with the available data.
Free from misleading guarantees or exaggerated claims.
We avoid presenting estimates as confirmed facts.
Terms such as live, observed, estimated, indicative, and unavailable should be used in a way that accurately reflects the underlying information.
Where a fact cannot be verified with reasonable confidence, we may:
Remove it.
Qualify it.
Mark it as unavailable.
Attribute it to the provider.
Delay publication until additional support is available.
10. Financial and regulatory claims
Financial and regulatory information requires particular care.
Kredly does not describe a provider as universally safe or suitable solely because a provider or related entity holds a licence.
When discussing regulation, we aim to distinguish between:
The provider’s consumer-facing brand.
The relevant legal entity.
The applicable regulator.
The jurisdiction covered by the authorisation.
The product or service covered by the authorisation.
Protections that may or may not apply to a particular user.
A provider may operate through different legal entities in different countries. Users should confirm which entity will provide their service.
11. Rates, fees, and time-sensitive information
Money transfer pricing can change frequently.
Rates, fees, promotions, delivery estimates, and provider availability may change after content is published or a quote is observed.
Where possible, Kredly displays an update or verification timestamp.
Users should always confirm the final quote directly with the provider before funding a transfer.
A provider changing its price after our observation does not necessarily mean the original information was incorrect. However, repeated or systematic discrepancies may require investigation.
12. Writing and review process
Editorial content may go through the following stages:
Topic and user-need assessment.
Source collection.
Drafting.
Factual review.
Editorial review.
Legal or specialist review where appropriate.
Publication.
Monitoring and future updates.
The exact process may vary according to the subject, risk, and complexity of the page.
Material about regulation, safety, legal rights, or large financial transactions may require additional review.
13. Use of automated and AI-assisted tools
Kredly may use automated or AI-assisted tools to support tasks such as:
Draft preparation.
Content structuring.
Translation assistance.
Grammar and readability checks.
Data organisation.
Identification of possible inconsistencies.
Repetitive quality-control checks.
Automated tools do not determine organic provider rankings unless their role is specifically described in our methodology.
Content produced with automated assistance should be reviewed before publication for factual support, clarity, relevance, and consistency with Kredly’s policies.
Kredly remains responsible for the content it publishes.
14. Authorship and review information
Pages may display:
An author or editorial team.
A reviewer.
A publication date.
A last-updated date.
A methodology or policy link.
Where an individual author is not shown, content may be attributed to the Kredly Editorial Team.
A review date indicates when the page was reviewed. It does not guarantee that every third-party price or term remained unchanged after that date.
15. Updating content
We may update content when:
A provider changes its fees or exchange rate.
A provider enters or leaves a market.
New structured data becomes available.
A provider changes its legal entity or regulatory status.
A material source changes.
A published statement is no longer sufficiently supported.
Our methodology changes.
A user or provider reports a valid issue.
We identify a clearer way to explain the subject.
Minor changes may include spelling, formatting, readability, or link updates.
Material changes may update the page’s reviewed or modified date.
16. Corrections
We aim to correct material factual errors promptly.
A correction may involve:
Updating an inaccurate statement.
Clarifying ambiguous wording.
Replacing an outdated source.
Correcting structured provider information.
Removing unsupported content.
Updating a comparison or displayed value.
Adding context that materially changes how a claim should be understood.
Not every market movement requires a correction. Exchange rates and transfer quotes can change normally after observation.
Our correction process is described in the Corrections Policy.
17. Conflicts of interest
Editorial contributors should disclose any personal, financial, or professional relationship that could reasonably affect their work.
Where a material conflict exists, Kredly may:
Assign the content to another contributor.
Require additional review.
Disclose the relationship.
Limit the contributor’s involvement.
Decline to publish the content.
Affiliate participation alone does not permit a provider to influence editorial conclusions.
18. Originality and attribution
Kredly aims to publish original explanatory content.
We do not intentionally present another publisher’s original work as our own.
When using external information, we may:
Link to the original source.
Attribute the statement.
Summarise the relevant information.
Quote a limited portion where appropriate.
Use publicly available facts without reproducing protected expression.
Provider names, trademarks, and logos belong to their respective owners.
19. User responsibility
Editorial content helps users understand available information but cannot account for every personal circumstance.
Before choosing a provider, users should independently verify:
The final recipient payout.
The complete fee.
The exchange rate.
The provider’s applicable legal entity.
Regulatory status.
Transfer limits.
Delivery estimate.
Cancellation and refund terms.
Customer support and complaint process.
Kredly content should be used as one source of information rather than the sole basis for a significant financial decision.
20. Questions and editorial feedback
Questions, corrections, and concerns about editorial content may be sent to:
KredlyCo
Dubai, Marina Plaza
United Arab Emirates
Email: corrections@kredly.co
Please include:
The relevant page URL.
The statement or information in question.
An explanation of the concern.
A supporting primary source, where available.
We may contact you for clarification when reviewing a report.