# Financial Products & Services Advertising Policy

We are committed to fostering a transparent, trustworthy, and legally compliant environment for financial advertising. This policy sets out the framework for promoting financial products and services on our platform. Advertisers must ensure full compliance with this policy and all applicable laws and regulations in the jurisdictions they target.

Disclaimer: This policy is provided for the platform’s compliance and guidance purposes only. It is not exhaustive and does not constitute legal advice or interpretation of applicable laws and regulations. Advertisers remain solely responsible for ensuring full compliance with all legal requirements in the jurisdictions in which they operate.

# 1. General Advertising Requirements

To protect users and ensure compliance with global and local financial regulations, all financial-related advertisements on our platform must meet the following baseline requirements:

Follow All Applicable Laws

  • Ads must comply with financial, advertising, consumer protection, and data privacy laws in each country or region where the ad is shown. This includes licensing, interest rate disclosures, regional restrictions on product types, etc.

Avoid Misleading or Unverified Claims

  • Ads must not promise guaranteed returns or risk-free trading, or misrepresent terms. All claims must be factually accurate, clear, and substantiated.

Do Not Promote Prohibited or High-Risk Products

  • Ads must not promote financial products or services that are banned, deceptive, or pose significant risks to users, including those lacking proper authorization, regulatory oversight, or transparency.

Obtain Required Licenses and Disclose Risks

  • Advertisers must hold valid licenses from relevant financial regulators and clearly display risk disclaimers (e.g., “Investments carry risk”) and license details (all relevant fees, repayment terms, interest rates, etc.) in ad creatives or landing pages where required. Landing pages must also disclose the service provider’s physical address and contact information. Disclosures must be accurate, prominently placed, and in the target audience’s language.

Ensure Financial Transparency

  • Ads must disclose key information such as interest rates (APR), fees, repayment terms, and associated risks. Avoid vague or incomplete financial descriptions that may mislead users.

Respect User Trust and Financial Wellbeing

  • Ads must not exploit vulnerable users, encourage irresponsible borrowing or speculative investing, or mislead with testimonials or endorsements not backed by real experience or credentials.

Do Not Target Minors

  • Ads must not be directed toward individuals below the legal age of adulthood.

Note: Any advertisement that fails to comply with these general advertising requirements will be considered prohibited and subject to removal or rejection by the platform.

# 2. Regulatory Requirements by Category

This section generally presents regulatory expectations for advertising financial products and services, structured by Globally Prohibited and Typically Restricted Products and Services. Globally Prohibited products and services are those that are not permitted to be advertised under any circumstances due to high risk of fraud, illegality, or consumer harm. Typically Restricted products and services are those that may only be advertised when they comply with strict requirements such as licensing, disclosure obligations, and local regulatory approvals.

Note: The following types of products and services are only illustrative and should not be construed as exhaustive. Also, there are possibilities that certain products would be more strictly regulated than the category it has been listed in due to its own specific features or different circumstances. For instance, certain subcategories under the “Typically Restricted” category may be prohibited in specific countries. Advertisers must ensure their ads comply with local laws and regional requirements before submission. Please review regulations carefully, as compliance ultimately rests with the advertiser.

# 2.1 Globally Prohibited Products and Services

# 2.1.1 High-Yield Investment Schemes (HYIPs)

The promotion of High-Yield Investment Programs (HYIPs) is strictly prohibited on the platform. These schemes are often fraudulent and unsustainable, typically promising unrealistically high or guaranteed returns without legitimate investment backing. HYIPs frequently incorporate features of Ponzi or pyramid schemes.

Prohibited practices include:

  • Advertising any HYIP that offers abnormally high, fixed, or guaranteed returns (e.g., “2% per day” or “double your money in + a week”).
  • Promotion of Ponzi schemes, where returns are paid using funds from new investors rather than actual profits.
  • Promotion of pyramid schemes, where recruitment of new participants is a key driver of profit or where referral bonuses + form the main incentive.
  • Use of deceptive language, fake testimonials, or misleading performance claims to lure investors.
  • Falsely claiming regulatory approval, omitting licensing details, or implying legitimacy where none exists.

# 2.1.2 Binary Options & Similar Products

Binary options and comparable speculative products are banned from promotion on our platform due to their high-risk nature and widespread association with fraud and retail investor harm.

Prohibited practices include:

  • Advertising binary options, digital options, or other financial instruments that offer all-or-nothing payouts based on short-term market movements.
  • Advertising platforms that exclusively provide binary options broker services, including those offering trading signals or + software limited to binary options without other financial products.
  • Advertising educational resources, blogs, or information websites that promote or encourage trading in binary options or + similar high-risk speculative products.

# 2.2 Typically Restricted Products and Services

# 2.2.1 Forex & CFD Trading

Advertising related to rolling spot forex (Forex) trading, contracts for difference (CFDs), financial spread betting, and related forms of speculative financial products. These are high-risk, speculative financial products often subject to strict local regulation due to the potential for consumer harm.

General Requirements

  • Ads must clearly state the high-risk nature of Forex and CFD products and must not guarantee profits or risk-free trading. All risk disclaimers must be prominent and legible, such as: “Trading CFDs involves significant risk of loss and is not suitable for all investors.”
  • Advertisers must be licensed brokers or aggregators, and must hold a valid license from the financial regulator in the country/region where the ad is served or where users are targeted.
  • Advertisers and the products or services they promote must remain compliant with jurisdiction-specific legal requirements and recognized industry practices.
  • Ads must not promote Forex or CFD services to users in jurisdictions where the advertiser lacks authorization or is not permitted to operate.
  • Landing pages must:
    • Match the claims made in the ad.
    • Clearly present licensing information, risk warnings, and product disclaimers.
    • Not provide signals for trading complex speculative financial products (examples include, but are not limited to, trading signals, recommendations, or speculative trading content; affiliate sites featuring related material or broker endorsements).

# 2.2.2 Cryptocurrency-Related Products

Advertising of services or platforms related to cryptocurrency and blockchain-based assets, including crypto exchanges, wallets, tokens (fungible and non-fungible), Initial Coin Offerings (ICOs), Decentralized Finance (DeFi) platforms, staking services, and related technology content.

General Requirements

  • Only licensed or registered advertisers may promote crypto-related services in jurisdictions where licensing is required. Unlicensed promotion of crypto investments is prohibited in regulated markets.
  • Ads must not guarantee profits, “zero-risk” investing, or use misleading terms such as “safe” or “guaranteed return.”
  • Landing pages must match the ad content, disclose all fees and risks, and not offer restricted products to users in banned regions.
  • Celebrity endorsements must comply with local disclosure laws and must not mislead users about product performance.

# 2.2.3 Personal Loans

For the purposes of this policy, a personal loan refers to a one-time (non-recurring) loan extended by an individual, organization, or entity to an individual consumer. Such loans are not designed to finance the purchase of long-term fixed assets or to cover educational expenses. Personal loans are generally characterized by fast disbursal, short repayment terms, and comparatively high fees or interest charges (examples include, but are not limited to, payday loans, car title or ownership loans, pawn loans, military loans, tax refund loans, medical or maternity loans, and cash advance loans).

General Requirements

  • Ads must avoid predatory language such as “no credit check,” “bad credit welcome,” or “guaranteed approval” if unsubstantiated or illegal in the target region.
  • Ads must not exploit vulnerable users or promote borrowing as a solution to recurring financial hardship.
  • Advertisers must prominently disclose on their landing page or app at least the following details:
    • The minimum and maximum repayment period.
    • Maximum Annual Percentage Rate (APR), which usually reflects the annual borrowing cost (interest rate plus fees and charges) calculated in accordance with local law. This must be shown separately from the representative example.
    • A representative example illustrating the overall loan cost, inclusive of all relevant fees and charges.

# 2.2.4 Investment Services

Advertising of services that facilitate buying, selling, or managing financial instruments — such as stocks, bonds, mutual funds, exchange-traded funds (ETFs), retirement plans and pension products, and other securities — either directly or through managed portfolios. This includes investment platforms, robo-advisors, asset managers, brokerage firms, and wealth management services.

General Requirements

  • Ads must be fair, clear, and not misleading.
  • Risk disclosures are required when returns, benchmarks, or performance claims are made.
  • If promoting complex instruments, suitability and risk warnings must be provided.
  • Claims like “guaranteed profits” or “safe investments” are prohibited if not substantiated or legally permitted.

# 2.2.5 Insurance Products

Insurance products refer to financial contracts issued by licensed insurers that provide coverage against specified risks, such as life, health, property, travel, or liability.

General Requirements

  • Ads must accurately describe the insurance product and its key features.
  • Coverage, conditions, and limitations must be presented clearly, without misleading implications.
  • Disclaimers should be visible where benefits depend on conditions or exclusions.
  • Marketing claims must be truthful, substantiated, and compliant with local regulations.

# 2.2.6 Money Transfer & Remittance

Money transfer and remittance services involve the electronic or physical movement of funds between individuals or institutions, domestically or internationally. This includes cross-border remittances, peer-to-peer payments, wire transfers, and mobile money services offered by banks, non-bank financial institutions, and digital platforms.

General Requirements

  • Only appropriately licensed entities are allowed to advertise money transfer services.
  • Key information such as fees, exchange rates, timelines, and conditions should be presented clearly.
  • Disclosures should indicate whether exchange rates are fixed or subject to change.
  • Where applicable, ads must include risk or service-related warnings required by local law.

# 2.2.7 Banking Services

Advertising by licensed financial institutions offering retail or commercial banking services, including but not limited to savings accounts, checking accounts, debit or credit cards, business accounts, or general brand promotion.

General Requirements

  • Brand-only advertising is generally acceptable if no specific financial product or service is promoted, subject to local regulations.
  • Licensing information and eligibility criteria should be disclosed where legally or regulatorily required.
  • Ads and landing pages must present services accurately and avoid implying availability in jurisdictions where the advertiser is not authorized.
  • Use of regulated financial terms must be accurate and in line with applicable requirements.

# 3. How to Fix Disapproved Ads

If your ad was disapproved for violating our Financial Products & Services Advertising Policy, follow these steps:

Understand the Rejection Reason

  • Review the specific category and detailed explanation provided in the disapproval notification or email.

Make Necessary Changes

  • Depending on the issue, you may need to:
    • Remove misleading or exaggerated claims
    • Add a license or certificate
    • Modify visuals, captions, or targeting

Resubmit the Ad for Review

  • After making the necessary changes, resubmit the ad for review. Our team will re-evaluate it against the policy requirements.