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Understand Google's advertising policies, including ad approval status and account suspension
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Financial Services Policy Quick Guide

Google Employee
# 1
Google Employee

Hi Everyone,

 

To ensure that consumers searching through Google Search and Dispaly Networks receive the best possible user experience, we have a Financial Services Policy. 

 

We ask that consumer advisory keywords are specific to pay day loans and this specific business model. By showing consumer advisory ads only on sites that are related to short-term loans, we are making sure that users that see these ads are specifically looking for information relevant to the ads (regarding short-term loans/pay day loans etc). This stems from the fact that we want to ensure a good user experience, and show users ads that are relevant to them, not only on the Search Network, but on the Display Network as well.

 

Landing Page Needs:

  • A 'Representative APR' on the landing page
  • An 'Implications of Non-payment' paragraph

That paragraph should have any non-payment fees/interest rate increaseswhether or not collectors will run after people who don't paywhether or not there could be legal consequences of being late, not paying, etc. and whether or not a customer's credit score could be impacted.

  • A 'Renewal Policy'

This paragraph should have whether or not loans can be 'renewed' -- is it automatic or not?, it should disclose any renewal fees/interest increases and should be clear about definition of 'renew' -- is it pay back next cycle? Is it pay back on a specific date?

 

Because of the nature of this industry, it is important to keep up to date with current policy changes. Periodically checking our  Policy Change Log will help you stay current with all AdWords Policies. 

 

Let me know if you have any general questions about this policy, I would love to help!

 

Cheers,

Carissa

 

1 Expert replyverified_user

Re: Financial Services Policy Quick Guide

Community Manager
# 2
Community Manager

Thanks for the update about the Financial Services Policy, Carissa, 

 

Mini

Re: Financial Services Policy Quick Guide

Follower ✭ ☆ ☆
# 3
Follower ✭ ☆ ☆

Very nice - is this to expected to drive up the CPC for payday loan related keywords even further?  Your phony pro-consumer policy has done well to line your pockets.  How much of Google's $42.5 billion in revenue last year came from "financial services" related keywords?  Quite a bit, right?

Re: Financial Services Policy Quick Guide

Follower ✭ ☆ ☆
# 4
Follower ✭ ☆ ☆

Re: Financial Services Policy Quick Guide

Follower ✭ ✭ ☆
# 5
Follower ✭ ✭ ☆
Hi Carissa,

I have a direct query about the consumer advisory policy - what is the best way to contact you?

Many thanks

Lily

Re: Financial Services Policy Quick Guide

Google Employee
# 6
Google Employee
Hi Lily,

Happy Friday to youSmiley Happy

The best way to contact us would be at 1-866-2GOOGLE. We are here 9am-8pm EST/6am-5pm PST Monday-Friday.

Hope to hear from you soon.

Best,
Carissa

Re: Financial Services Policy Quick Guide

Follower ✭ ✭ ☆
# 7
Follower ✭ ✭ ☆
Hi Carissa,

Happy Friday to you too - I hope your having a really good oneSmiley Happy

My question is UK based so I'm not sure if you are able to help?

There's an advertiser who are breaching the consumer advisory policy you detailed above. They offer a 30 day/payday loan option on their site but are using the key-phrase "online loans" to advertise which is very generic so customers that are searching for aren't definitely looking for payday loans so it does seem to breach your advisory policy.

They also don't have any of the required landing page information that you detail above.

Could you help with this do you think? Should I send screen grabs.

Many thanks

Lily

Re: Financial Services Policy Quick Guide

Google Employee
# 8
Google Employee

Hi Lily,

 

Thank you for that information. The best place to submit those specifics would be via the AdWords Complaint Form as this will be directly review by our team for compliance. 

 

We want to make sure it is an equal advertising playing field out there for all our advertisers, so we appreciate the submissionSmiley Happy

 

Hope this helps!

 

Carissa

Re: Financial Services Policy Quick Guide

Follower ✭ ✭ ☆
# 9
Follower ✭ ✭ ☆
Hi Carissa,

Thanks for that - I'm not sure what to select for this question on the form:

Which of the following topics does your complaint concern *

Which would be appropriate for this complaint do you think?

I'm definitely for an equal playing - that why I want this company stopped if possible, they are also triple serving adverts on some keywords which is really really bad for your visitors and is a nightmare any advertiser trying to compete!Smiley Sad

Many thanks for your help

Lily

Re: Financial Services Policy Quick Guide

Follower ✭ ✭ ☆
# 10
Follower ✭ ✭ ☆

Hi Carissa,

I hope you are having a great weekSmiley Happy

I sent the information you suggested but this company is still breaking Google's consumer advisory regulations.

I wondered if you could take a look at it for me?

This screen shot shows how you can apply for a 1 month payday loan via their website - which should mean that they are subjected to Googles consumer advisory regulations.  To apply for a 1 month loan simply slide the sliders to the right (1.) and then click (2.).

http://s762.photobucket.com/user/lilybmay/media/payday-loan_zps2ce3f40e.jpg.html

The link below is their adwords advert where they use the keyword "Online loans". As this keyword does not suggest the searcher is looking for a payday loan I do not believe this advert should be showing. I know Google normally take action to stop payday sites like this from using general keywords to advertise when they offer a 1 month / payday loan.

http://www.google.co.uk/aclk?sa=l&ai=CBJY09QxlUtSFJs777AaIt4FIkbDErwTBrPLNaMS3zAUQBCgIUJLml-ACYLvOwY...

If their is any doubt that this site is offering payday loans - below is the link to their own adwords advert where they themselves are using the keyword "payday loan" to advertise their loans. Also their APR rate is 1362% Per year like many payday loans.

http://www.google.co.uk/aclk?sa=l&ai=Ckcxq2xNlUvvPI4P27QaE4YD4D5GwxK8EoaHyzWjh990FEAgoCFCog4GM_v____...

This company do seem to be breaking a number of your rules as they also do not display the information that Google requires a short term loan site to provide, for example the "implications of non payment" etc...

I'd really appreciate you looking to see what you think as i'm sure they are breaking your rules?

Thanks for your help,

Lily B