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Online fraud is a serious problem and often involves financial services. We provide these policies to help your ads meet approval and protect consumers and businesses from being victimized. In addition to these policies, advertisers who promote financial products and services must ensure they comply with all applicable local laws and regulatory requirements. These polices apply to all forms of currency including real and virtual currency.

Advertising for the following products and services is not permitted:
  • Cryptocurrencies and cryptocurrency related products including, but not limited to initial coin offerings, cryptocurrency exchanges, and cryptocurrency wallets.
  • Non-regulated binary options (regulated binary options may be allowed with review).
    • Advertising for binary options is not allowed in the European Union.
  • Financial products or services designed to facilitate illegal purposes, e.g., to avoid applicable taxes, or money laundering.
  • Ponzi schemes, pyramid schemes, or other legally questionable business opportunities, particularly if returns on investment rely solely on adding participants to the scheme or the consumer must pay a subscription fee or buy a specific product to join, and the value proposition of doing so is undefined.

Approved example Approved

Save more of your money!
Learn this money saving tip
and save more.

Disapproved example Disapproved

Save your money today!
Sign up for this secret or risk losing your savings!


Chain letters or the implication of bad fortune for non-participation is not allowed.
  • Chain letters or offerings that imply that non-participation might result in loss or bad fortune.
  • Solicitation of money from search users or fundraising activities unless for a registered charity or recognized organization.

Approved example Approved

Support Local Veterans!
Find your local Help chapter
and donate today!

Disapproved example Disapproved

Help the Jones Band!
Donate to help us fund our
new music video!


Solicitation of funds is not allowed except by recognized charities/organizations.


Advertisers who promote financial products and services must ensure they comply with all applicable local laws and regulatory requirements.

Financial products and services policies specific to individual markets

Refer to the following about specific markets and individual requirements.

Argentina, Brazil, Chile, Colombia, Mexico, Peru and Venezuela

Advertising is prohibited for the sale of credit cards, debit cards, stocks, bonds, securities and other financial items unless this is done by companies duly authorized to do so.

Hong Kong

Advertising for financial products must adhere to local requirements. Advertising for loans must contain the registration number either in the ad copy or on the landing page.


Advertising for bitcoin services and products are prohibited.


Advertisers may not promote collective investment schemes, insurance products, stock trading. Additionally, all bank products and services must be registered in the market where they are advertised.


Advertisers must comply with all regulations as set out by the Authoriteit Financiële Markten (AFM).

Philippines, Singapore

All bank products and services must be registered in the market where they are advertised.

Republic of Ireland
  • Advertisers who promote financial products and services and who are based in the Republic of Ireland must be registered with the Financial Regulator.
  • Advertisers who promote financial products and services and who are not based in the Republic of Ireland must have passported authorization from another EU/EEA Member State in order to offer services in the Republic of Ireland and be authorized by the Irish or another EU/EEA Member State.
United States

In addition to specific disclosure requirements, deceptive acts or practices in connection with the offering of consumer financial products or services are prohibited. An advertisement is deceptive if is discloses information, or omits material information, in such a way as to be misleading to a reasonable consumer. Material terms (i.e., terms that are likely to affect a consumer’s choice of, or conduct regarding, the product or service) must be disclosed prominently, in a manner that a reasonable consumer will notice, and in close proximity with claims that such terms modify. For example, stating that a car loan is available for no money down but disclosing additional regulatory costs in fine print or buried within other disclosures can be deceptive. In addition, it can be deceptive to misrepresent the terms of a loan, either by misstating the nature of the term (e.g., fixed versus variable interest rate) or through inequitable comparisons with other loan products.

Advertisements for certain financial products and services can raise appreciable compliance concerns and may attract heightened scrutiny. Such products and services may include, but are not limited to:

  • Automobile lending

Payday and other small-dollar credit (i.e., traditionally this has encompassed retail financial products that allow consumers to easily borrow small amounts of cash in return for their pledge of a check dated for the next payday as collateral. This may include short-term, low balance loans with high finance charges intended to help cover a consumer’s cash-flow shortages, usually requiring a consumer to give electronic access to their bank accounts)

  • Debt settlement and debt relief (i.e., services to help renegotiate, settle or change terms of a borrower’s debt to a creditor or a debt collector)

Credit and fraud monitoring, identity theft protection services (e.g., services that provide alerts to potentially fraudulent activity or that offer credit reports)

  • Credit cards targeted at students, military, and consumers with poor credit profiles (e.g., secured credit cards)
  • Virtual currencies
  • Brokerage services, stocks and bonds, futures, options trading services or other investment products and services


United Kingdom

Advertisers must comply with the Financial Services and Markets Act 2000 (“FSMA”) and the Financial Services and Markets Act 2000 (Financial
Promotion) Order 2005.

  • Any advertiser carrying out a regulated activity under FSMA must be authorized by the Financial Conduct Authority (“FCA”) including, without limitation:
    • Mortgage providers, brokers and advisors
    • Investment businesses
    • Insurance providers, brokers and advisors
    • Secured loans providers, brokers and advisors
    • Deposit takers (banks)
  • Consumer credit firms must also be authorized by the FCA to carry out consumer credit activities.
  • Advertisements must adhere to policies that are set out by regulators with regards to advertisement creative, including but not limited
    to the following:
    • Any inducement to invest must make clear that the value of investments is variable and can go down as well as up.
    • Ad copy that includes a specific interest rate must also include text indicating that this is the typical APR. If the typical APR interest rate is included in the ad copy, the interest rate must be immediately followed by the text "(typical APR)."

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