The AtivaMoney blog writes about the money of the people who read it. A text about money that nobody signs is worth nothing, and a text that does not say where it got its figures is worth even less. This page describes how the blog is made, in terms you can check article by article.
1. Who writes and who reviews
Whoever writes on this blog has a name, a track record and an entry of their own on this site. Today's team is this:
- Breno Nico — author of most of the articles. Co-founder of AtivaMoney, with more than twenty years building solutions for banks and lenders. He writes about technology, household budgeting and the impact of geopolitics on personal and family finances.
- Claudivania Studart — reviewer of the articles and author of some. She holds a degree in Accounting from the State University of Rio de Janeiro (UERJ) and has been a personal finance assistant to executives for more than 15 years.
No article is signed by the brand. Every text shows the name of the person who wrote it, with a link to that person's entry, and the name of the person who reviewed it. Reviewing is a compulsory step with no exceptions: no text goes live without another member of the team having read it end to end. Today that person is Claudivania Studart.
Reviewing, here, means three concrete things — checking the figures that appear in the text, verifying that every factual claim has an identified source, and sending back to the author anything that is not clear on first reading.
The team will grow, and there will be articles written by guests. When that happens, the guest gets an entry here like anyone else, with name and background, and their article meets exactly the rules on this page. The current list is on Who writes.
2. How we choose the topics
The blog's topics come from three places:
- From the questions that reach us — through the contact page and through support for the people who use the product. A question that comes up several times is, almost always, a missing article.
- From the changes that affect the money of people living in Portugal — a new European directive, a change to payment rules, a practice that becomes widespread in banking.
- From what the writers know through their own work — financial systems seen from the inside, the organisation of a household budget, the things you only learn to do over years.
We do not write about a subject merely because it has search demand. If we have no way of treating it rigorously, we do not publish it — we would rather have no article than a vague one.
This is a financial education blog. We do not give personalised investment recommendations, we do not point to specific financial products to buy, and we are not a substitute for professional advice on your own situation.
3. Sources and references
Every factual claim — a figure, a date, a rule, the result of a study — has an identified source. The sources are gathered in the "References" section at the end of each article, with a direct link to the original document whenever it is public.
We prefer primary sources: legal and regulatory texts, publications by supervisors and central banks, statistics institutes and peer-reviewed studies. When the primary source is not public and we have to fall back on a secondary one, the article says so.
Values that depend on time are published with the date they refer to. A rate, a legal limit or an average price without the corresponding period tells nothing to someone reading the article a year later.
4. Quotations and translations
Much of the research we cite is published in English, and much of this blog is written in Portuguese. When we bring a quotation across into Portuguese, we mark it with "(tradução livre)" — free translation — immediately afterwards.
That mark exists for a simple reason: the Portuguese wording is ours, not the original author's. Anyone who wants to check the exact sentence will find the document in the "References" section of the same article.
5. What we do not publish
- Paid content. We do not sell articles, mentions, links or places in lists. There is no way to buy a line on this blog.
- Sponsorships. No article is commissioned, funded or approved by third parties.
- Agency material. We do not rewrite press releases and we do not publish texts sent in by communications agencies. A guest article is a different thing: it is written for us, signed with the guest's name, and goes through the same review as ours.
When an article talks about AtivaMoney — the product we make and sell — it says so explicitly. Self-interest, where it exists, is in plain sight and not dressed up as a neutral recommendation.
6. Advertising
The blog may show advertisements. Where they exist, they are identified as advertising and kept visually separate from the article text, so that nobody mistakes an advert for something we wrote.
Advertising has no say whatsoever over the content. It does not choose topics, it does not see articles before they are published, and it cannot ask for a text to be changed or withdrawn. No advertiser buys favourable treatment.
In Portugal and the rest of Europe, your choice about advertising cookies is asked of you by a certified consent platform before any personalised advert is shown to you, and you can change it whenever you like. The detail is in the Cookie Policy.
7. Mistakes and corrections
We get things wrong, like any publication made by people. What is on us is to correct them quickly and in plain sight.
If you find a mistake in an article, write to us through the contact page with the link to the article and the passage in question. We check it.
If the mistake is confirmed, we correct the text and flag the correction in the article itself, with the date it was made. We do not erase the trail: anyone returning to the article can see that there was a correction, and when.
The same goes for out-of-date content. An article that stopped being correct because the law changed is updated or flagged; it is not left saying what is no longer true.
Questions about this document? [email protected]