About byily.com

Your trusted guide to smarter financial decisions. Expert-reviewed, transparent, and independent.

byily.com was founded in 2025 with a clear mission: to make trustworthy personal finance information accessible to everyone. In a world of financial misinformation and hidden affiliate bias, we believe consumers deserve clear, expert-reviewed guidance they can actually rely on.

Every article, guide, and review on this site is researched by certified financial professionals, fact-checked by our editorial team, and updated regularly to reflect current market conditions. We do not publish content generated solely by AI without human oversight, and we never accept payment from lenders, insurers, or credit card issuers in exchange for favorable coverage.

Our mission

We cut through financial jargon to deliver clear, actionable guidance. Whether you are comparing credit cards, choosing a mortgage, or building your first emergency fund, our goal is to give you the unbiased information you need to make confident decisions.

Our editorial standards

All content on byily.com follows a strict editorial process:

  • Research-first. Every guide begins with primary research, including direct review of provider terms, regulatory filings, and publicly available rate data.
  • Expert review. Articles on financial topics are reviewed by a CFP (Certified Financial Planner) or equivalent credentialed professional before publication.
  • Fact-checking. Our editorial team verifies all statistics, rates, and claims against independent sources.
  • Regular updates. We review and update our content at least quarterly to ensure accuracy as rates and products change.
  • Transparency. We clearly disclose when we may earn a referral fee. You will always know the relationship behind a recommendation.

Meet our team

MR
Founder & Editor in Chief

Marcus Reynolds

Marcus holds an MBA from the University of Chicago Booth School of Business and spent 12 years as a financial analyst at a Fortune 500 investment firm before founding byily.com. He specializes in consumer credit, mortgage strategy, and retirement planning. Marcus is a CFA charterholder and a member of the CFA Institute.

SC
Lead Financial Writer

Sarah Chen

Sarah is a Certified Financial Planner (CFP) and former bank compliance officer with over 8 years of experience in consumer lending and insurance. She holds a B.S. in Finance from UC Berkeley and writes extensively on personal loans, credit cards, and insurance comparison.

DK
Senior Editor & Fact-Checker

David Kim

David is a former investigative journalist with 15 years of experience in business and financial reporting. He has written for national publications including The Wall Street Journal and Bloomberg. At byily.com, he oversees editorial integrity, fact-checking, and corrections.

How we make money

byily.com is free to use. We earn revenue through affiliate partnerships with financial service providers. When you click on certain links and apply for a product, we may receive a commission at no additional cost to you.

Importantly, our editorial team operates independently from our business team. Compensation never influences our rankings, reviews, or recommendations. Our writers do not know which providers offer affiliate commissions when they evaluate products. You can read our full Terms of Use and Privacy Policy for more details.

Our commitment to accuracy

We take accuracy seriously. If you find an error in our content, please contact us and we will investigate promptly. When corrections are necessary, we update the article and note the change at the bottom of the page with a date stamp.

All rate data, product terms, and provider details are verified against primary sources at the time of publication. However, financial products change frequently. We encourage readers to verify current rates and terms directly with any provider before applying.

Contact us

We welcome feedback, corrections, and questions. Reach us through any of the channels below:

  • General inquiries: hello@byily.com
  • Editorial corrections: corrections@byily.com
  • Privacy questions: privacy@byily.com
  • Contact form: byily.com/contact.html

We typically respond within 2 business days.

Company information

byily.com is operated by Byily Media LLC, a registered limited liability company. Our mailing address is:

Byily Media LLC
450 Park Avenue, Suite 2100
New York, NY 10022