Editorial and Corrections Policy

Effective date: July 31, 2026
Last updated: July 31, 2026

This Editorial and Corrections Policy explains how Debora T DiBiasie, doing business through the applicable AVBrand, researches, drafts, reviews, publishes, updates, and corrects educational content made available through AltaVidaSites.

For purposes of this Policy:

“AVBrand” refers to the applicable public-facing brand, including AltaVida Capital, AltaVida Unlimited and AltaVida Offices.

“AltaVidaSites” means:

altavidacapital.com;
• altavidaunlimited.com; and
• altavidaoffices.com.

AltaVidaSites also includes their subdomains, applications, articles, assessments, calculators, reports, checklists, videos, downloads, images, email materials and other digital resources operated through an AVBrand.

“Content” means educational, informational, promotional, visual, audio, interactive or downloadable material published through AltaVidaSites.

“Material correction” means a correction that changes the meaning, accuracy, interpretation, calculation, recommendation, deadline, eligibility explanation, or likely effect of Content.

This Policy applies to Content produced or controlled by us through AltaVidaSites. It does not govern independent government agencies, referral professionals, third-party websites, guest contributors, carriers, financial institutions, software providers, or other external organizations.

Purpose of this Policy

We publish Content to help users:

identify important planning subjects;
organize questions and information;
understand general concepts;
locate official sources;
prepare for conversations with agencies and qualified professionals;
recognize areas requiring additional review; and
make more informed requests for professional assistance.

This Policy is intended to establish a consistent process for:

source selection;
factual research;
editorial review;
use of artificial intelligence;
citation;
publication;
periodic updating;
error reporting;
correction;
clarification;
retraction; and
documentation of material changes.

This Policy does not guarantee that all Content will always be complete, current, accurate, or applicable to every person.

Users must review the Legal Disclaimer and independently verify material information before acting.

Editorial principles

We seek to apply the following editorial principles:

Accuracy before speed

We prefer accurate, supportable Content over rapid publication.

When reliable information cannot be confirmed, we may:

delay publication;
narrow the statement;
qualify the statement;
identify uncertainty;
exclude the claim;
seek professional review; or
direct readers to the responsible agency.

Primary sources before summaries

When reasonably available, we prioritize primary and authoritative sources, including:

statutes and regulations;
official government websites;
official forms and instructions;
agency manuals and publications;
controlling or relevant court decisions, with attention to jurisdiction, date, and subsequent authority;
official plan documents;
carrier contracts;
regulatory guidance;
official technical documentation;
audited reports;
original research;
professional licensing records; and
direct statements from responsible organizations.

Secondary sources may be used for context, explanation, comparison, or discovery, but should not ordinarily replace an available primary source for a material factual claim.

Clarity about uncertainty

We seek to distinguish among:

confirmed facts;
general rules;
exceptions;
estimates;
assumptions;
projections;
interpretations;
opinions;
examples;
hypothetical scenarios; and
unresolved or changing matters.

We do not intend to present a projection, estimate, or interpretation as a guaranteed result.

Independent verification

Material benefit, tax, legal, insurance, investment, healthcare, retirement, and filing information should be verified through:

the responsible government agency;
current official documents;
the applicable plan administrator;
the issuing carrier;
the relevant employer;
an appropriately licensed professional; or
another authoritative source.

Reader responsibility

Content published through AltaVidaSites is educational. Readers remain responsible for:

determining whether information applies to them;
identifying relevant exceptions;
reviewing official documents;
confirming deadlines;
checking calculations;
obtaining professional advice; and
making their own decisions.

Scope and limits of editorial review

Editorial review may include:

checking spelling and grammar;
reviewing factual claims;
comparing Content with cited sources;
checking dates and deadlines;
testing links;
reviewing calculations;
reviewing form and tool logic;
evaluating the clarity of disclaimers;
checking internal consistency;
reviewing images for misleading elements;
reviewing branding and attribution;
checking accessibility;
confirming that promotional claims are supportable; and
identifying matters requiring professional review.

Editorial review does not convert Content published through AltaVidaSites into:
official government guidance;
legal advice;
tax advice;
accounting advice;
investment advice;
healthcare advice;
an insurance contract;
a government-benefits determination;
a fiduciary recommendation; or
individualized professional representation.

Source hierarchy

We generally apply the following source hierarchy.

Level 1: Controlling or official authority

Examples include:

statutes;
regulations;
controlling or relevant court decisions, with attention to jurisdiction, date, and subsequent authority;
official government forms;
official government instructions;
agency publications;
official plan documents;
insurance policies and contracts;
regulator notices;
official tax publications; and
current government program websites.

Level 2: Original institutional sources

Examples include:

original research;
audited financial reports;
academic publications;
official company documentation;
carrier product materials;
technical documentation;
professional association standards; and
direct communications from a responsible organization.

Level 3: Reputable explanatory sources

Examples may include:

recognized educational institutions;
established professional publications;
reputable news organizations;
licensed professionals;
industry research;
recognized nonprofit organizations; and
established reference publications.

Level 4: Informal or unverified sources

Examples include:

social-media posts;
discussion forums;
anonymous articles;
unverified videos;
affiliate content;
unattributed summaries;
machine-assisted or AI-generated search summaries;
user comments; and
unsourced marketing claims.

Level 4 sources may help identify a question or lead, but should not ordinarily support a material factual claim without independent verification.

Official-source citation standards

When Content involves a material rule, deadline, eligibility requirement, benefit, tax treatment, government process, or official program, we seek to:
cite the responsible agency or primary source;
identify what the source supports;
link readers to the source;
record the date the source was reviewed;
avoid implying that a source addresses every exception;
distinguish official language from our explanation; and
update or remove broken links when identified.

A citation indicates that the source was reviewed for a stated point. It does not mean:

the source covers every circumstance;
the agency endorses us or AltaVidaSites;
we control the source;
the source remains unchanged indefinitely;
we control the source; or
the citation creates a professional relationship.

Source-review dates

Articles involving time-sensitive subjects may display:

an original publication date;
a “last reviewed” date;
a “last updated” date;
a source-review date; or
a combination of these dates.

The dates have different meanings:

Published

The date the Content was originally made public.

Last reviewed

The date the Content was examined for accuracy or continuing relevance.

A review date does not necessarily mean that the Content was substantively revised.

Last updated

The date a substantive change was made.

Sources last reviewed

The date listed sources or key authorities were checked.

A displayed review date does not guarantee that a law, agency procedure, cost, form, link, or interpretation did not change afterward.

Time-sensitive content

The following subjects may change frequently and require heightened caution:

government-benefit rules;
application and appeal deadlines;
tax laws and tax limits;
insurance premiums and product features;
interest rates;
retirement-plan contribution limits;
healthcare eligibility and enrollment;
agency forms;
payment-processing timelines;
software functionality;
privacy laws;
regulatory requirements;
pricing;
licensing information; and
third-party availability.

For time-sensitive Content, we may:

use qualifying language;
state the review date;
link to current official resources;
encourage direct verification;
avoid hard-coding figures into images;
update the Content;
archive the Content;
remove the Content; or
place a notice that review is pending.

Research and drafting process

Depending on the subject, risk, format, and intended use of the Content, our research and editorial process may include:

defining the intended audience and question;
reviewing relevant primary and authoritative sources;
identifying material exceptions, assumptions, and limitations;
drafting Content in clear language;
reviewing factual claims, citations, dates, disclaimers, links, images, charts, labels, and interactive elements as applicable;
testing calculators, assessments, or other Tools where appropriate;
obtaining professional review when appropriate; and
monitoring reported corrections and known material changes after publication.

Not every piece of Content will undergo every form of review. The depth of review depends on the subject matter, risk, format, intended use, and available resources.

Heightened review subjects

Certain subjects may receive heightened review because of their legal, financial, benefits, privacy, healthcare, or other material consequences. These may include military and federal benefits, insurance, taxes, retirement and investment matters, healthcare, trusts and estate planning, legal deadlines, government claims and appeals, privacy and data collection, children’s information, and other regulated professional services.

Heightened review may include consultation with appropriately qualified professionals when appropriate. Professional review does not guarantee that every error, exception, or later change will be identified.

Facts, analysis, and opinion

We seek to distinguish among factual statements, analysis, opinion, estimates or projections, and hypothetical examples.

Factual statement

A statement presented as objectively verifiable through a reliable source.

Analysis

Our explanation of how facts, rules, or planning considerations may interact.

Opinion

A judgment, perspective, preference, or recommendation that is not presented as an official fact.

Estimate or projection

A result based on assumptions, inputs, formulas, or future conditions.

Hypothetical example

An illustrative scenario that does not represent a promise, guarantee, or actual user outcome.

When practical, labels and context will be used to prevent readers from confusing these categories.

Calculators and assessments

Calculators, assessments, and other Tools made available through AltaVidaSites may use:
user inputs;
answer mappings;
scoring rules;
formulas;
thresholds;
assumptions;
estimates;
rounding;
projected rates;
simplified tax treatment;
generalized benefit rules; and
automated report logic.

Before publishing or materially revising a Tool, we seek to review, as applicable:

visible answer choices;
internal answer keys;
scoring logic;
formulas;
labels;
assumptions;
disclosures;
error handling;
mobile usability;
data storage;
consent records;
generated reports; and
email-delivery results.

When feasible, calculation and scoring changes should be tested before release.

Tool results are educational planning aids and remain subject to the Legal Disclaimer and any Tool-specific terms or disclosures.

Correction of calculator or scoring errors

If we identify an error that may have affected calculator, assessment, scoring, report, or recommendation results, we may:
correct the underlying logic;
test the correction;
update the displayed review date;
revise explanatory Content;
notify affected users when reasonably practical and appropriate;
regenerate results when technically possible;
place a notice on the affected Tool;
suspend access while the issue is reviewed; or
document the correction internally.

Notification decisions may depend on:

the materiality of the error;
the information retained;
the number of potentially affected users;
the likelihood of harm;
available contact information;
legal requirements;
technical feasibility; and
whether users were advised to independently verify material results before relying on them.

Use of Augmented Intelligence, artificial intelligence and Machine-Assisted Tools

We use augmented intelligence and other machine-assisted technologies to support research, drafting, organization, editing, translation, image generation, coding, testing, report generation, link discovery, and workflow support. These technologies may include systems commonly referred to as artificial intelligence or AI.

Machine-assisted and AI-assisted output may contain inaccurate statements, fabricated citations, outdated information, logical errors, incorrect calculations, biased assumptions, misleading wording, copyright concerns, inconsistent terminology, or visual defects. Accordingly, such output should not be treated as an authoritative source.

Human Review of Machine-Assisted and AI-Assisted Content

We seek to apply human review to public machine-assisted and AI-assisted Content before publication.

Human review may include:

checking factual claims;
opening cited sources;
verifying quotations;
testing calculations;
comparing AI output with official materials;
correcting misleading language;
reviewing images for defects;
checking names, dates, uniforms, labels, and branding;
removing unsupported claims;
adding disclaimers; and
confirming that the Content serves its stated purpose.

Human review reduces risk but does not guarantee that every error will be identified. Machine-assisted and AI-assisted Content remains subject to the same editorial standards as other Content.

Disclosure of Machine-Assisted and AI-Assisted Content

We may disclose the use of machine-assisted or AI-assisted technologies when appropriate to the nature of the Content, when required by law, or when necessary to avoid a misleading impression.

A disclosure may explain that Content was developed with assistance from machine-assisted or artificial-intelligence tools and was reviewed by a person before publication. Human review does not guarantee that Content is complete, current, or error-free.

We are not required to identify every software feature used for routine spelling, grammar, formatting, search, transcription, or administrative support unless required by law or necessary to avoid a misleading impression.

Machine-Assisted and AI-Generated Images and Visual Content

Images may be:

photographed;
licensed;
designed;
generated with AI;
edited with AI;
created from templates;
illustrated; or
assembled from multiple permitted elements.

Machine-assisted, AI-generated, or illustrative images should not be represented as documentary photographs of an actual event when they are not.

We seek to review images, as appropriate, for:

inaccurate text;
distorted hands or faces;
misleading uniforms or insignia;
inconsistent branding;
inaccurate forms;
improper agency seals;
false endorsements;
incorrect labels;
accessibility;
inappropriate stereotypes;
copyright or licensing concerns; and
alignment with the accompanying Content.

Images are generally illustrative and should not be used to identify official uniforms, documents, benefit eligibility, product terms, or government requirements.

Copyright and Machine-Assisted or AI-Assisted Works

We seek to respect applicable copyrights, trademarks, rights of publicity, licenses, attribution requirements, and permitted-use conditions when creating or publishing Content.

Where appropriate, we may document human creative contributions, editing decisions, source information, and licensing information; avoid or remove unauthorized material; correct attribution; replace disputed images or Content; and obtain professional or legal review.

Quotations and attribution

When quoting or closely paraphrasing a source, we seek to:

attribute the source;
preserve the source’s meaning;
avoid misleading excerpts;
limit quotation length;
distinguish quotations from our commentary;
comply with applicable licensing and copyright rules; and
link to the original source where practical.

A link or attribution does not necessarily establish permission to reproduce protected material.

Editorial independence

We seek to maintain editorial judgment independently from improper outside influence or control.

Content should not be altered solely to conceal a material fact, mislead readers, fabricate expertise, or create a false impression of government endorsement.

We may consider:

audience needs;
business priorities;
search demand;
product relevance;
referral relationships;
compensation;
sponsorship;
legal risk;
available expertise; and
resource limitations.

Where a commercial relationship could reasonably affect how a reader interprets Content, we may provide an appropriate disclosure as required by applicable law or when necessary to avoid a misleading impression.

Advertising, affiliate, referral, and compensation disclosures

Content may include:

references to services offered through AltaVidaSites or an applicable AVBrand;

links to applications;
insurance information;
professional referrals;
affiliate links;
sponsored material;
paid placements;
promotional offers; or
products or services for which we may receive compensation.

Material commercial, referral, affiliate, sponsorship, or compensation relationships will be disclosed as required by applicable law and, where appropriate, near the relevant recommendation, link, product, or service.

We will not represent paid, sponsored, affiliate, or compensated Content as wholly independent when doing so would be misleading.

Promotional claims should be supportable and consistent with actual product or service limitations.

Insurance and financial-product Content

Insurance and financial-product Content should distinguish among:

general education;
licensed activity;
product information;
hypothetical illustrations;
individualized recommendations;
carrier-provided materials;
guaranteed values;
non-guaranteed values;
commissions;
referrals; and
professional engagement.

Content should not imply that:

a product is available in every state;
every applicant will qualify;
premiums are guaranteed unless the contract says so;
tax treatment is certain for every person;
investment performance is guaranteed;
an insurance contract is created through website use; or
a product is suitable without individualized review.

The issued contract, official disclosure, approved illustration, and applicable law control over general Content available through AltaVidaSites.

Insurance or other regulated professional services are provided only when appropriately licensed and separately established, as applicable.

Testimonials and examples

Testimonials, case studies, examples, and user experiences may not reflect the typical result.

We seek to avoid:

fabricated testimonials;
materially edited testimonials that change meaning;
undisclosed paid endorsements;
guaranteed-outcome implications;
unsupported earnings claims;
unsupported savings claims; and
examples presented without necessary context.

Where applicable, Content may disclose:

whether compensation was provided;
whether the person has a material relationship with us, an applicable AVBrand, or a referenced provider;
whether the example is hypothetical;
whether results vary;
whether identifying details were changed; and
whether permission was obtained.

Testimonials and examples are not guarantees, promises, or representations that another user will achieve the same or similar results.

Conflicts of interest

We may have commercial, referral, insurance, family, professional, or other relationships relevant to certain Content.

Potential conflicts may be managed through:

disclosure;
independent source review;
separating education from transactions;
identifying compensation;
avoiding unsupported comparative claims;
obtaining professional review;
declining to publish;
removing a conflicted reviewer; or
explaining the nature of the relationship.

A disclosed conflict does not automatically make Content accurate or suitable. Readers must still evaluate the information independently.

Guest contributors and professional reviewers

We may use guest authors, subject-matter reviewers, contractors, or independent professionals.

When practical, we may identify:

the contributor’s name;
professional role;
relevant credentials;
licensing jurisdiction;
review date;
relationship to us or the applicable AVBrand; and
whether compensation was provided.

A reviewer’s participation does not mean that the reviewer:

endorses all Site Content;
assumes responsibility for every reader;
creates a professional relationship;
guarantees accuracy; or
agrees with future revisions.

Credentials and licenses may change and should be independently verified.

Linking policy

We may link to:

government agencies;
official forms;
laws and regulations;
educational resources;
professional organizations;
service providers;
referral professionals;
software platforms;
news sources; and
commercial websites.

A link does not necessarily mean that we:

endorse the source;
control the source;
guarantees accuracy;
guarantees security;
guarantees availability;
agrees with all source Content; or
receives compensation.

Where a link is compensated or affiliated, we may provide an appropriate disclosure as required by applicable law or where necessary to avoid a misleading impression.

Broken and changed links

External websites may:

move pages;
revise wording;
redirect links;
remove Content;
change ownership;
become insecure;
change access requirements; or
become unavailable.

When a broken or materially changed link is identified, we may:

update the link;
link to an archived or replacement source;
revise the supported statement;
remove the citation;
remove the Content;
add a notice; or
seek an alternative authoritative source.

We do not guarantee continuous monitoring of every external link.

Accessibility and plain language

We seek to make Content understandable and reasonably accessible.

Editorial considerations may include:

descriptive headings;
plain-language explanations;
defined acronyms;
readable contrast;
meaningful link text;
image alternative text;
captions;
transcripts;
mobile readability;
accessible forms;
descriptive button labels;
table structure; and
avoidance of unnecessary complexity.

Simplification should not remove a material qualification or create a misleading statement.

Accessibility standards and procedures are addressed further in the Accessibility Statement.

Reader-submitted corrections

Readers may report:

factual errors;
outdated information;
broken links;
calculation concerns;
inconsistent statements;
missing qualifications;
inaccessible Content;
attribution issues;
image errors;
privacy concerns; or
potentially misleading language.

A correction report should include, when possible:

the page title;
the page url;
the disputed statement;
the reason it may be incorrect;
the proposed correction;
supporting official sources;
the date the issue was observed; and
the reporter’s contact information if a response is requested.

We may review anonymous reports, but the absence of contact information may limit follow-up.

How to submit a correction request

Correction requests may be submitted by email:
wealth@altavidacapital.com

The correction form should not request unnecessary sensitive information.

Subject line: Correction request

Submitting a correction:

does not create a professional relationship;
does not guarantee a response;
does not extend a deadline;
does not require us to accept the proposed change; and
does not transfer ownership of confidential or proprietary material.

Correction-review process

When a correction is received, we may:

Record the report.
Identify the affected Content.
Review the disputed statement.
Open and compare relevant sources.
Consult a qualified professional when appropriate.
Assess the potential effect on readers.
Determine whether the issue is minor, substantive, or requires retraction.
Correct or clarify the Content.
Update the review or revision date.
Add a correction note when appropriate.
Review related Content for the same issue.
Notify the reporter or affected users when appropriate.

The review period may vary depending on urgency, complexity, risk, source availability, and professional-review needs.

Categories of corrections

Minor correction

A change that does not materially alter meaning, such as:

spelling;
punctuation;
formatting;
broken spacing;
minor image alignment;
an obvious typographical error;
a nonmaterial label; or
a corrected link that supports the same statement.

Clarification

A change that improves precision without reversing the core conclusion.

Examples include:

adding an exception;
defining a term;
narrowing broad language;
identifying the intended audience;
distinguishing active-duty and Reserve rules;
explaining an assumption; or
adding context.

A clarification note may be added when the original wording could have caused material misunderstanding.

Substantive correction

A change that materially affects:

a factual statement;
a deadline;
an eligibility explanation;
a calculation;
a financial example;
a benefit rule;
a tax statement;
an insurance statement;
a legal interpretation;
a recommendation;
an assessment score; or
a reader’s likely decision.

A substantive correction should ordinarily include:

the date of correction;
a concise explanation;
the corrected information; and
an updated source or citation.

Retraction

Content may be retracted when:

the central premise is materially unsupported;
the Content contains pervasive errors;
the Content cannot be corrected reliably;
publication violated rights;
the Content creates unacceptable risk;
a source was fabricated or materially misrepresented;
the Content was published without required authorization; or
legal or regulatory considerations require removal.

A retraction notice may remain at the original address when appropriate, stating that the Content was withdrawn and why, without repeating harmful or unlawful material.

Correction notices

When appropriate, a material correction, clarification, Tool correction, or retraction may include a visible notice identifying the date, the nature of the change, and the corrected or clarified information.

Correction notices should be factual, proportionate, and appropriate to the circumstances. They should not create unsupported admissions, legal conclusions, or statements beyond what is reasonably necessary to explain the correction.

No silent material corrections

We seek not to silently alter a material factual error when the change may affect reader understanding or decisions.

A visible correction note may not be necessary for:

spelling;
grammar;
visual spacing;
nonmaterial formatting;
replacing a broken link with an equivalent source;
accessibility improvements; or
routine style changes.

We may retain internal revision records even when no public notice is displayed.

Review of related Content

When a material error is identified, we may review related Content or Tools for the same or substantially similar statement, calculation, source, or logic.

Related materials may include:

related articles;
calculators;
assessments;
reports;
PDFs;
email sequences;
images;
videos;
FAQs;
social-media posts;
downloadable resources; and
application code.

Correction of one page does not guarantee that every related instance has already been identified.

Notification of affected users

We may notify affected users when appropriate, including when:

a Tool generated materially inaccurate results;
a security or privacy issue requires notification;
an email report contained a significant error;
a deadline statement was materially wrong;
reliance could foreseeably cause substantial harm;
law requires notice; or
notification is reasonably practical and appropriate.

Notification may be limited when:

contact information was not retained;
users cannot be reliably identified;
the issue was minor;
notification would create additional privacy risk;
the affected population cannot be determined;
the Content prominently required independent verification; or
law does not require notice.

We may consult legal counsel or another appropriately qualified professional when a correction involves material legal, regulatory, financial, privacy, or consumer-protection risk.

Updating and archiving Content

We may update, consolidate, archive, redirect, or remove Content when appropriate, including when it is:

outdated;
duplicative;
superseded;
inaccurate;
unsupported;
technically obsolete;
inconsistent with current services;
legally problematic;
no longer useful; or
outside our scope.

Archived Content may remain available for historical purposes when clearly identified as archived or outdated.

Archived or older Content should not be relied upon as current merely because it remains accessible through a search engine, archive, saved copy, or other source.

Periodic review schedule

We may prioritize review frequency according to subject matter, risk, legal or regulatory developments, program or product changes, reported concerns, technical changes, and available resources.

Higher-risk or time-sensitive Content may receive more frequent review than lower-risk or evergreen Content. Review schedules are internal operational targets and do not create guarantees, contractual deadlines, or a duty to update Content within a specific period.

Legal and professional review

We may obtain review or guidance from attorneys, licensed professionals, subject-matter specialists, or other appropriately qualified reviewers when we determine that additional review is appropriate.

Professional review may address legal, regulatory, privacy, insurance, tax, benefits, intellectual-property, accessibility, children’s-content, technical, or other relevant matters.

Professional review does not guarantee that Content is complete, error-free, suitable for every person, or unaffected by later changes. A reviewer will not be publicly identified without appropriate permission.

Recordkeeping

We may retain internal records relating to editorial review, sources, revisions, corrections, testing, approvals, professional review, and material changes when appropriate.

Retention depends on business need, legal requirements, privacy obligations, security considerations, storage limitations, and the sensitivity of the information involved.

No obligation to publish or retain Content

We may decide whether to:

publish submitted material;
answer a correction request;
retain a reader comment;
continue hosting Content;
publish a correction notice;
identify a contributor; or
provide an explanation beyond what law requires.

Nothing in this Policy creates a contractual duty to publish, update, retain, investigate, or respond within a specific period.

Changes to this Policy

We may revise this Policy to reflect changes in:

editorial practices;
technology;
augmented intelligence, machine-assisted technologies, or AI use;
laws;
regulations;
professional relationships;
Content formats;
correction procedures;
business operations; or
available resources.

The revised version will display an updated date.

Contact information

Questions or correction reports may be directed to:

AltaVidaSites
Operated by: Debora T DiBiasie, doing business through the applicable AVBrand
Email: wealth@altavidacapital.com

Subject line: Correction Request

Contacting us does not create a legal, tax, investment, benefits, insurance, healthcare, fiduciary, or other professional relationship.