Editorial Independence

1. Our Position

Oquilia carries no advertising.There are no programmatic ad networks, no display banners, no sponsored content, no affiliate links, and no “recommended” product placements anywhere on this platform. Nothing on any page loads a third-party ad script, tracker or pixel.

For a short period in late July 2026, Oquilia ran house advertising for a single advertiser under common ownership, RepuLex. That advertising was withdrawn on 1 August 2026, and the site is now advertising-free.

We also have no affiliate-commission relationship with insurers, fund houses, banks or financial-product distributors. Our calculator outputs, Oquilia Scores, insurance comparisons and editorial content cannot be influenced by a commercial relationship with any firm we cover, because no such relationship exists.

2. Why This Matters in Indian Personal Finance

The Indian financial advisory ecosystem is built on commissions. Insurance agents earn 15–40% commission on policies sold. Mutual fund distributors earn trail commissions that incentivise recommending high-expense-ratio funds. Online aggregators earn referral fees per lead generated. In this environment, the advice a consumer receives is almost always shaped by the advisor's revenue model, not the consumer's best interest.

Oquilia's independence is structural. When you see an Oquilia Score of 8.7 for a health insurance plan, that score is generated by an algorithm processing IRDAI regulatory data. No human at Oquilia can override it, and no insurer can influence it.

3. What We Don't Do

• No advertising. The platform runs no display, programmatic, native, retargeted or house advertising, and loads no ad-network script, tracker or pixel.
• No affiliate links. Our calculator and content pages do not link to insurance purchase journeys, mutual fund apps, or loan-aggregator referral URLs.
• No paid placements. No financial product can be promoted to a higher position on Oquilia by paying a fee.
• No data brokerage. User data collected via contact forms or analytics is never sold or shared with insurers, fund houses, or marketing platforms.

4. What We Do

We build calculators against primary regulatory sources (RBI, IRDAI, SEBI, AMFI, CBDT) and publish editorial analysis under a desk byline. Every page states the primary source it was checked against and the date of its last review, so the working can be audited directly rather than accepted on the strength of a credential.

The editorial review network is documented on the About page.

5. Free, Forever, By Design

Oquilia is run as a public-good financial-literacy resource. The platform is, and is intended to remain, entirely free for every user. There is no premium tier, no paid features, no gated content, no “sign in to unlock” calculators, and no plan to introduce one. Every calculator, every Pro Mode feature, every blog article, every PDF export, every Hindi translation, and every tool ships free.

The mission is financial literacy — democratising the analysis that has historically only been available to those who could pay commissioned advisors or subscribe to costly research services. Charging users would be inconsistent with that mission.

Should we ever introduce advertising or an affiliate relationship in future, this page will be updated in advance and the affected pages will carry visible markers identifying the commercial relationship. The standing commitment is: free to use, advertising-free, commission-free and paywall-free.

6. Reporting Concerns

If you believe any content on Oquilia has been improperly influenced by a commercial relationship, file a complaint through our Grievance Redressal Policy. Editorial concerns can also be escalated through our legal partner Oquilia for independent review.