Editorial Standards & Calculation Protocols

Objective Truth in Decision Modeling

The financial and legal landscapes are often obscured by conflict of interest. Lenders profit from debt; insurers profit from minimization. Solveria exists to provide the Counter-Algorithm.

We believe that accurate, client-side modeling is a digital right. Our tools are engineered to provide "Base Reality" scenarios—unfiltered by marketing goals or sales quotas. When you calculate a mortgage payment or a settlement value on Solveria, you are seeing the math as it exists in the raw economic data.

Zero-Trust Data Architecture

We do not rely on "industry estimates" or "rules of thumb." Our decision engines are indexed against primary government and actuarial sources.

Financial Benchmarks

• Interest Rates: Mortgage and savings projections are benchmarked against the Federal Reserve Economic Data (FRED) API to reflect current liquidity conditions.
• Taxation: Income tax logic is updated annually to align with Internal Revenue Service (IRS) brackets, FICA limits, and Standard Deductions for the current fiscal year (2026).
• Housing Data: Conforming Loan Limits are sourced directly from the Federal Housing Finance Agency (FHFA).

Legal Benchmarks

• Tort Statutes: Settlement calculators reference specific state Civil Codes (e.g., California Civil Code § 1793.2 for Lemon Law) to determine statutory refund eligibility.
• Actuarial Tables: Life expectancy and injury multipliers are derived from standard insurance industry "Special Damages" methodologies (The Multiplier Method).

Editorial Independence

Solveria is an independent educational platform. Our mathematical outputs are firewalled from our revenue model.

• No "Pay-to-Play" Math: Advertisers cannot pay to alter a calculation result. If a user has a high Debt-to-Income (DTI) ratio, our tools will flag it as "High Risk," regardless of which lender advertisements appear on the page.
• Client-Side Execution: All calculations occur locally in your browser via JavaScript. This ensures that no external server can manipulate your specific results based on your profile or location.

Algorithmic Auditing & Updates

Economic variables change daily. Our code is audited on a strict schedule to ensure "Day 1" accuracy.

• Quarterly Core Review: Every 90 days, our engineering team reviews the "Logic Core" of all 12 major suites to ensure compatibility with new browser standards (ES6+) and security protocols.
• Fiscal Year Updates: On January 1st of each year, all tax, loan limit, and cost-of-living variables are hard-coded to the new federal standards.
• Immediate Statutory Patches: If a major legal precedent changes (e.g., a state alters its Lemon Law buyback formula), we deploy a hotfix to the relevant calculator within 48 hours of the ruling.

Accountability & Corrections

We value precision above all else. While our models are stress-tested, software is never perfect.

If you identify a discrepancy between a Solveria calculation and a verified bank loan estimate or court judgment, please report it immediately to engineering@solveria.org. We investigate all reported logic errors within 24 hours and issue transparency logs for any algorithmic adjustments made.