Primary sources first
Regulatory and privacy statements should link to the relevant Hong Kong government department, regulator or statutory body. Secondary commentary may provide context but should not replace the authoritative source.
Trust centre · Content governance
Editorial, sourcing and corrections policy
This policy explains how Covenant Desk produces educational material about lending systems and operating workflows in Hong Kong. It separates sourced regulatory facts, operational guidance and product claims so readers can judge each statement in context.
Research standard
What readers can expect
Our guides are educational material for product buyers and operating teams. They are not legal opinions and do not replace a lender’s own policies or professional advice.
Dates and status
Material guides show a review date. Proposed, transitional and effective requirements are described separately. Time-sensitive figures or dates are checked again before a substantive update.
Product boundaries
We state when Covenant Desk is the product discussed. We do not describe Covenant Desk as a lender, CRA, Credit Data Smart operator or substitute for a lender’s final human decision.
Useful, not inflated
Search terminology is used to explain genuine distinctions and workflows. We do not publish hidden keyword blocks, doorway pages, fabricated benchmarks, invented customer results or unsupported endorsements.
Review workflow
How a guide moves from research to publication
Define the reader question
Choose a Hong Kong lending-system or operating question that can be answered with a clear scope and useful workflow.
Collect authoritative material
Save the official source URL, publication status, applicable date and the specific statement it supports.
Draft definitions before promotion
Answer the question directly, explain responsibility boundaries and only then show where the Covenant Desk product may fit.
Check links, claims and structured data
Validate the rendered page, source links, canonical URL, language annotation, visible FAQ and matching structured data.
Monitor and revise
Review time-sensitive pages when the underlying official material changes and record the new modification date.
AI assistance
How automation may be used
Drafting support
AI tools may help organise outlines, compare terminology, identify missing questions or improve readability. They are not treated as an authoritative source.
Human accountability
The Covenant Desk product team remains responsible for published wording, links, disclaimers, product accuracy and correction decisions.
No invented evidence
Automation must not create quotations, licences, customer results, reviewer credentials, programme memberships or regulatory facts that have not been verified.
Corrections
Report an error or outdated statement
Email [email protected] with the page URL, disputed wording and a supporting source. We prioritise errors that could change a reader’s understanding of a regulatory date, applicability, product responsibility or data requirement. Substantive corrections update the page’s review date.