Advertising financial products and services requires careful attention to user safety generally and providing accurate claims specifically. Advertisers must adhere to all State and local regulations that may be required in order to advertise financial services and products, and advertisers ultimately bear full responsibility to meet all necessary and applicable mandates. Advertisers must provide NextRoll with satisfactory evidence of such compliance if required by local law.
Generally speaking, advertising content should provide a balanced message in relation to the benefits and risks of the financial products or services offered. Content should focus on the financial tools and not on the potential returns. The terms of the offers should be clearly laid out for the purpose of guiding ad-recipients and site-visitors through the full extent of financial consideration. Warnings and disclaimers should be displayed for the ad recipients or site visitors to consider before making an investment decision. Further, any request for sensitive personal information should be completed on secure processing servers (for example, via https://).
Ads and landing pages should never target anyone on the basis of an alleged or perceived negative financial status or imply that an individual is in financial difficulty or requires 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 services and 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 regard 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 for 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
Failure to clearly indicate that past performance is not indicative of future performance
For projections of future results, failure to identify the basis of projections and whether taxes were considered; if there was use of profits generated in the period being analysed; whether tax incentives were deducted; and whether it was solely based on past results
Failure to describe the target market for the product or specify where the target market determination is available
Failure to state that the material is general in nature and does not take into account the consumer's own goals and circumstances
Failure to indicate that a product disclosure statement is available and where it can be obtained
Failure to indicate that a person should consider the product disclosure statement and consider obtaining professional advice in deciding whether to acquire the product;
Failure to comply with specific disclosures required by state or local regulations
Failure to provide a relevant license when required by state or local regulations
Note: disclosures must be clearly and immediately visible without any further actions required to access them.
Cryptocurrencies & Related Content
Websites advertising cryptocurrencies and related content, e.g., initial coin offerings (ICO), cryptocurrency exchanges, cryptocurrency trading tools and advice, cryptocurrency wallets and rolling spot forex 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:
Products or services in relation to binary options or contracts for difference ("CFDs")
Unverifiable claims, e.g., “How to get rich quick”
Deceptive promotional or join-up practices
Forecast of future performance does not include appropriate disclaimers
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 or costs that would likely be incurred on the landing page
Website not adhering to Financial Disclosures Requirements
In comparative advertising, failure to use the same basis and comparison conditions concerning the term, guarantees, liquidity, redemption and criteria for the calculation of profitability or other benefits
Website promoting the purchase, sale or trade of cryptocurrencies or related products, including initial coin offerings, from a non-licensed provider where a license is necessary under local laws and regulations
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.
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 bitcoin 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.