Financial services will be closely reviewed for credibility, user safety, and accuracy of claims. State and local regulations must be adhered to when advertising financial services and products and it is up to the advertiser that they ensure they meet these requirements. Content should focus on the financial tools being offered, not on potential returns. The terms of the offers should be clearly laid out to guide visitors through the full extent of financial considerations, and any request for sensitive personal information should be completed on secure processing servers (https://).
Ads and landing pages should never target anyone based off of a negative financial status or imply that an individual is in financial difficulty or needs financial assistance.
The below policies are enforced on a global level and do not vary country by country at this time. Given the ever evolving nature of advertising regulations and guidelines, especially relevant to financial service products, NextRoll reserve the right to update or add additional guidelines to the below policies.
Financial Disclosure Requirements
Given the complexity of financial products and services, it is imperative that financial websites are fully transparent with regards to the nature of the website and the financial products being promoted. Disclosures provide consumers with the necessary information in order to try and make informed choices. Financial websites may be deemed ineligible from running for the following reasons:
Brick and mortar address not present
Legitimate contact details are not readily available, e.g., PO box address (this does not substitute as a brick and mortar address)
Contact form in lieu of a brick and mortar address
Failure to disclose associated fees on the landing page
Failure to include links to third-party accreditation or endorsement if an affiliation is listed, e.g., third party rating service
Verification of performance claims are not easily accessible
Financial Advice
Stock or other financial advice programs that guarantee success or exaggerate potential returns will not be approved, even if this is only a portion of the offering on the website
Advising where to invest money or currencies on ad, landing page, or website
Negative targeting of an individual with financial advice based off of sensitive financial information
Exaggerating financial returns from specific investments
Ads implying an individual is bankrupt
Financial Information
Requesting sensitive or confidential financial information without explicit permission, e.g., bank account details, credit or debit card details, income information, credit scores, or debt information
Lead ad forms requesting confidential financial information without explicit permission
Lead ad forms requesting information regarding bankruptcy status
Ads calling out that an individual is in debt, has personal debt, or alludes to the amount of debt a person is in
Personal Loans
Websites advertising personal loans must maintain full transparency and include all relevant financial disclosure information in order for the customer to make fully informed choices. The below content related to personal loans is not eligible to run:
Cash loans
Payday loans
Title loans
Pawnshops
Ads implying a negative financial status
Ads alluding to a customer needing financial help
Ads implying an individual is bankrupt
Website not adhering to Financial Disclosures requirements
Exaggerating financial returns
Repayment details not visible, present, or clear enough
Annual Percentage Rate (APR) information not visible, present, or clear enough
Failure to show the customer an example of the total cost of the loan inclusive of additional fees or charges
Binary Options and Related Products
Websites advertising binary options and related content must maintain full transparency and include all relevant financial disclosure information in order for the customer to make fully informed choices. The below content related to binary option websites are not eligible to run.
Unverifiable claims, e.g., “How to get rich quick”
Deceptive promotional practices, e.g., “Begin binary options trading now, and get 100 bonus trades risk-free”
Landing page or websites with insufficient navigational links in order to ascertain the true nature of the website
Not compliant with state or local regulations
Failure to disclose associated fees on the landing page
Website not adhering to Financial Disclosures Requirements
Further Provisions: Binary Options & Related Products
- Limited Inventory: Given the sensitive nature of these types of campaigns, they are not eligible to run with all of our exchange partners, hence performance may be affected.
Bitcoin
Websites advertising bitcoin and related content must maintain full transparency and include all relevant financial disclosure information in order for the customer to make fully informed choices. The below content related to binary option websites are not eligible to run.
Unverifiable claims, e.g., “Become a millionaire selling bitcoin!”
Deceptive promotional practices, e.g., “Buy and sell bitcoin for free, sign up now!”
Landing page or websites with insufficient navigational links in order to ascertain the true nature of the website
Not compliant with state or local regulations
Failure to disclose associated fees on the landing page
Website not adhering to Financial Disclosures Requirements
Further Provisions: Bitcoin
- Limited Inventory: Given the sensitive nature of these types of campaigns, they are not eligible to run with all of our exchange partners, hence performance may be affected.
Cryptocurrencies & Related Content
Websites advertising cryptocurrencies and related content, e.g., initial coin offerings (ICO), cryptocurrency exchanges, cryptocurrency trading tools and advice, cryptocurrency wallets, rolling spot forex, contracts for difference, and binary options, must maintain full transparency and include all relevant financial disclosure information in order for the customer to make fully informed choices. The below content related to cryptocurrency websites are not eligible to run.
Unverifiable claims, e.g., “How to get rich quick”
Deceptive promotional or join-up practices
Landing page or websites with insufficient navigational links in order to ascertain the true nature of the website
Not compliant with state or local regulations
Failure to disclose associated fees on the landing page
Website not adhering to Financial Disclosures Requirements
Further Provisions: Cryptocurrencies & Related Content
- Limited Inventory: Given the sensitive nature of these types of campaigns, they are not eligible to run with all of our exchange partners, hence performance may be affected.