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Understand Google's advertising policies, including ad approval status and account suspension
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Consumer advisory policy being bypassed by advertiser

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# 1
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Hi all,

 

I wonder if a TC could give an opinion on this please as i'm sure this website should be flagged under Googles Consumer Advisory on payday loans.

This company have already had their main payday loans website flagged under the consumer advisory policy - and are therefore limited to using only payday loan keywords to advertise this site.

 

To bypass the policy they have now launched a new product on second site which is not yet flagged.

 

Their new site does offer a new product with an extended loan term which is perfectly OK - I have no complaint with this. But their new site also gives the option to repay the loan in one go on your next payday - which is a payday loan. This is not normally OK and should see the site being flagged.

 

I believe Google class a payday loan as a loan of 60 days or less repaid in one payment.

 

To quote the offending websites FAQ's section: "You can repay the loan all at once or make monthly repayments over a maximum term of 10 months."

 

A loan that you can repay all at once with an interest rate of 1300%+ APR is something i'd expect to be classed as a payday loan.

 

Another quote from the offending site says "If approved, repay between 1 and 10 months and change payment options before a due date."

 

This again shows that this website directly offers a one month (payday loan) repayment option.

 

Finally - the company also offer the same new loan product as their new website offers on their main website which as mentioned above is already flagged. Here they give us more detail on the workings of their new product and it is here that they clearly show us that their new product/site does indeed offer customers a full repayment (payday loan) option. I've highlighted this on the graphic below:

 

http://s762.photobucket.com/user/lilybmay/media/qqfc3_zps05e8260e.jpg.html

 

I'd love to know what others familiar with Google's policies think as think. I think the new site should be flagged under the consumer advisory policy as they offer a single payment/one month payday loan option as part of their service.

 

Thanks for looking

 

Lily B

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Accepted by MosheTLV (Top Contributor)
September 2015

Re: Consumer advisory policy being bypassed by advertiser

Top Contributor
# 2
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Hi Lily,

Please fill out the feedback form here: https://support.google.com/adwords/answer/176378?hl=en

It may take some before this case is reviewed so please be patient. Any action deemed necessary by Google will be taken once the case is resolved.

-Tommy
Tommy Sands, AdWords Top Contributor | Community Profile | Twitter | Philly Marketing Labs
Did you find any helpful responses or answers to your query? If yes, please mark it as the ‘Best Answer.’

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Marked as Best Answer.
Solution
Accepted by MosheTLV (Top Contributor)
September 2015

Re: Consumer advisory policy being bypassed by advertiser

Top Contributor
# 2
Top Contributor
Hi Lily,

Please fill out the feedback form here: https://support.google.com/adwords/answer/176378?hl=en

It may take some before this case is reviewed so please be patient. Any action deemed necessary by Google will be taken once the case is resolved.

-Tommy
Tommy Sands, AdWords Top Contributor | Community Profile | Twitter | Philly Marketing Labs
Did you find any helpful responses or answers to your query? If yes, please mark it as the ‘Best Answer.’

Re: Consumer advisory policy being bypassed by advertiser

[ Edited ]
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# 3
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Hi Tommy,

Thanks for the reply,

 

I did send a feedback form some time ago but it was very hard to describe the issue properly in such a short form - especially as there are two sites are involved.

I was hoping one of the more experienced policy guys like yourself or moschtlv could take a little look at this policy and the sites involved to see what you think as I'd really appreciate a second opinion on this.

 

Hope you can help,

Many thanks

Lily B

Re: Consumer advisory policy being bypassed by advertiser

Top Contributor
# 4
Top Contributor
Hi Lily,

Honestly, our opinion or experience doesn't mean a whole lot. Google has procedures and policies to handle these cases. We can review and suggest what we think, but it really isn't going to help.

We've already asked Google to review these sites once before for you and they did, you'll have to just wait and see what happens this time around.

One important thing to understand is that we're really not privy to the procedures or the results of these investigations and not all sites reported will be in violation, regardless of how they may appear.

Many advertisers show up here with similar requests and similar cases...the end result is the same "hurry up and wait". Smiley Happy

Wish I had better news for you but I don't.

-Tommy
Tommy Sands, AdWords Top Contributor | Community Profile | Twitter | Philly Marketing Labs
Did you find any helpful responses or answers to your query? If yes, please mark it as the ‘Best Answer.’

Re: Consumer advisory policy being bypassed by advertiser

[ Edited ]
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# 5
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Hi Tommy,

Thanks again for the reply,

I know what your saying about your opinion and Google, but believe me while you may not be able to sway Google - your opinion still really does help someone like myself. For example - if you check and agree that something does look suspect I then I know I am probably doing the right thing by pushing Google to resolve it.

So a second opinion from you guys really does help usSmiley Happy

Regarding these sites - you did send these for me a while back but that was as they were double serving adverts. Google actually stopped them double serving after you sent the report so you really helped there.

This is a totally separate issue though - this time the company are breaching Google's consumer advisory policy by using terms like "online loans" to advertise a payday loan option which is not allowed.

It is exactly the same sites involved as last time though which says a lot about the companies regard for Google's policies!

If you do get a few mins to take a look at my first post and just let me know if it looks like I'm right or overstating it it would really help meSmiley Happy

Many thanks - really appreciate your time,

Lily B

Re: Consumer advisory policy being bypassed by advertiser

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# 6
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