Restricted Content: Financial Services

Additional Guidelines Specific to Financial Services
As explained in the Demand Partner Policies, Demand Partners may be permitted to deliver ads containing restricted content, such as financial services products, if the ads and associated products and services strictly adhere to any country- or region-specific laws, rules, or regulations (including any age-related restrictions, licensing/certification requirements, labeling and disclaimer requirements, advertising guidelines, self-regulatory requirements or recommendations, and any similar requirements), the Demand Partner Policies, and any other applicable AppLovin policies or agreements, and you obtain express approval from the AppLovin Team.

Demand Partners seeking to deliver ads for financial services products (e.g., investing, retirement planning, etc.) or similar content through the Services must also ensure their products and ads meet the following minimum criteria:

• Advertisers must ensure that they have all necessary authorizations, licenses, accreditations, and certifications required under applicable laws (and produce them on request) to market and promote their products in each jurisdiction in which they intend to target ads.
• Advertisers must ensure that their ads comply with any applicable disclosure requirements required under applicable laws in each jurisdiction in which they intend to target ads, including risk disclaimers and the disclosure of other information necessary for users to make an informed decision. 
• Advertisers must ensure that the landing page(s) for the product(s) include any applicable disclosures and disclaimers required under applicable laws in each jurisdiction in which they intend to target ads.  To the extent applicable, this obligation includes disclosing the applicable interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, representative examples, and other disclosures required under applicable laws.
• Ads may not promote (a) get-rich-quick offers, (b) pyramid schemes, (c) too-good-to-be-true financial offers, (d) products that could be considered predatory, (e) bail bonds, (f) complex speculative financial investments, (g) payday loans, (h) pawnbroker loans, (i) precious metals trading, (j) peer-to-peer products, (k) single securities, (l) products and services that enable the buying, selling, reselling, exchanging, wagering, and/or staking of cryptocurrencies, virtual currencies, or other digital assets, or similar products.
• Ads may not promote products that have been subject to any government or regulatory action, or warning, or advisory, including opinions from state attorneys general or similar authorities.
• Ads may not misstate, exaggerate, or minimize the benefits or risks of the products.
• Advertisers may not target individuals under the age of 18.
• Ads cannot request the input of any personally identifiable information or financial information such as bank account information, credit/debit card information or routing numbers.
• Consistent with applicable laws, advertisers must ensure that statements or claims in ads have appropriate support.
• The landing page(s) for ads served through the Services may not direct end users to content that does not comply with these guidelines and the Demand Partner Policies or that contains or may contain prohibited content.
• Advertisers seeking to promote cryptocurrency-related products or services through the Services must comply with the following additional requirements:
  • As set forth above, ads and/or their landing pages may not promote products and services that enable the buying, selling, reselling, exchanging, and/or staking of cryptocurrencies, virtual currencies, or other digital assets.  This prohibition includes but is not limited to:
    • Cryptocurrency exchanges or trading platforms, including borrowing and lending platforms.
    • Cryptocurrency wallets that allow users to buy, sell, resell, and/or exchange cryptocurrencies or other digital assets.
    • Hardware wallets designed to hold private keys for cryptocurrencies or other digital assets.
    • Cryptocurrency mining hardware and software.
  • This prohibition does not apply to the following categories of products and services, which may be promoted through the Services, if Advertisers have all necessary authorizations, licenses, accreditations, and certifications required under applicable laws in each jurisdiction in which they intend to target ads:
    • Businesses that rely on blockchain technology or accept payment in virtual currencies. 
    • Educational materials or news coverage related to cryptocurrency or blockchain technology. 
    • Accounting, tax, or legal services related to cryptocurrency or blockchain technology.