Editorial code

Product data comes only from the institutions' own official pages and terms documents, never from third-party retellings.

Registered official sources are checked once a day at noon, Hong Kong time. The captured page is kept as it was, and the product facts are read from that capture.

Every product page shows its source and the date it was last updated.

AI reads the product facts from the captured official page. Before a change is applied, automatic checks compare each value with the captured text: a value must appear in the official wording, a date must match what the page states, and an amount must be a whole number in the right currency. A change that fails any check is not applied, and the earlier data stays.

A separate daily check looks again at fields that are still empty and at facts taken from official documents, and records separately what the official pages support, what they do not mention and where they conflict. It only records; it publishes nothing.

Changes that pass the checks go live automatically, with no person reviewing each one. Afterwards we sample applied values and compare them with the official pages.

Lists open in a neutral order: the most recently verified product first, whatever the commercial relationship.

You can choose another sort, for example annual fee from low to high. The sort says which figure it reads, and products with no published figure come last.

Clicks and referral income never change the order. Jolvex does not score or rank products or institutions, and does not call any product the best.

Visitors pay nothing. When a visitor applies for a product through a link on this site and the institution pays a referral, Jolvex receives that payment.

Such links go through a Jolvex address, /go/, and on to the institution. That address only counts the click and records no personal data. Each sponsored link carries a note beside its button, and a page that carries one says so at page level too.

Insurance and brokerage products carry no referral link.

Articles are written by AI writers. Their names (Cubo, Delta and Orbi) are coined, they are not real people, and each article byline and author page says so.

A separate AI reviewer checks each article against the product data or research material, and an article that fails review twice is not published.

A person approves the final version and presses publish, immediately or on a schedule.

Articles are information, not investment, lending or tax advice, and they do not steer readers to a particular insurance product.

If a figure looks wrong, email info@jolvex.xyz with the page and the figure. We check it against the official page and correct it if it is wrong.