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Understand Google's advertising policies, including ad approval status and account suspension
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Site suspension - what changes are needed?

[ Edited ]
Visitor ✭ ✭ ✭
# 1
Visitor ✭ ✭ ✭

Hi all,

 

Website URL: http://www.pensioncashrelease-ni.com

 

We currently have a site suspended situation, and I am having a hard time figuring out why, perhaps someone here can help me.

 

The owners of the website in question are in the financial services sector, and so falls under the Financial Services specific policy at http://support.google.com/adwordspolicy/bin/answer.py?hl=en&answer=2464998

 

The business is based in the UK so the UK specific regulations also apply. The business itself does not provide financial services or advice but acts as an introducer / leads generation service to other specialist companies. The business helps customers decide if the services provided by these companies are suitable for them and pass on their details to these companies with agreement from the specific customer. This is an entirely legal business (despite common thinking to the contrary) as the business does not fall under the FSA (financial services act).

 

Google search for pension cash release: https://www.google.co.uk/search?q=pension+cash+release . As you can see there are many advertisers providing the same service who are successfully using AdWords to promote their pages. So AdWords must not prohibit this specific type of business, but I am at a loss to understand why the site has been suspended.

 

The only thing I can think of is that we mention Interest Rates on the landing page for Loans, but the T&C's only have a problem with that if you mention rates in your Ads, which we don't?? Perhaps I have misunderstood this?

 

I've asked for clarification from AdWords, but that hasn't been much help. They've directed me to the following:

 

'All advertisers advertising products and services related to financial services must operate in compliance with state and local regulations. Whenever there's a question of whether compliance is clear, Google may choose to err on the side of conservative interpretation and have additional restrictions. We aren't interested in promoting products or services of questionable legitimacy.
We've created this policy to protect our users' online safety and to also be in compliance with local laws.'

 

If this is saying, 'What you're offering is illegal', then it's wrong and what a great many other advertisers on the network are offering is also illegal!

 

Any help would be really appreciated, we simply want to be compliant and are willing to make the changes to the site that are required.

 

Regards,

 

Colin

1 Expert replyverified_user

Re: Site suspension - what changes are needed - consulting financial services

Top Contributor
# 2
Top Contributor

Hello ColinMac; welcome;

 

I looked at your site. I do understand that you provide consulting financial services for households, and on the other hand, you act as a broker for other financial institutions.

 

However, In my view, the site is not transparent enough :

  1. In my view - you are missing a clear disclaimer, about the type of services you provide.
  2. You are lacking a clear statement, that this type of service is NOT regulated and NOT subjected to the FSA. (Some users might not want to sign-up with a service that is not regulated.)
  3. If the service you offer, is not a loan, then "where the monies are coming from?" (I understand that the source of funds is by "redemption" of pension funds.) - what are the risks to the individual's savings?

Etc... Etc...

To summarize: be more transparent: include a clear disclaimer covering all points listed in the financial section of the Policy.

 

-Moshe

Moshe, AdWords Top Contributor , Twitter | Linkedin | Community Profile | Ad-Globe
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Re: Site suspension - what changes are needed - consulting financial services

Visitor ✭ ✭ ✭
# 3
Visitor ✭ ✭ ✭

Hi MosheTLV,

 

I appreciate your response, and will update the site per your recommendations.

 

I will post here again when done and hopefully you will have time to cast an eye on it again.

 

Thanks,

Colin

Re: Site suspension - what changes are needed - consulting financial services

Top Contributor
# 4
Top Contributor

Hello again Colin;

Google referred to the financial services section of the policy. Please also note that Google does not always disclose all reasons for the suspensions. So, before re-submitting the site, ask the site programmer, to verify that the CODE complies with the information harvesting, spam techniques and user safety clauses of the Policy. (These are also relevant to your site.)

 

 

Moshe, AdWords Top Contributor , Twitter | Linkedin | Community Profile | Ad-Globe
Did you find any helpful responses or answers to your query? If yes, please mark it as the ‘Best Answer’

Re: Site suspension - what changes are needed?

[ Edited ]
Visitor ✭ ✭ ✭
# 5
Visitor ✭ ✭ ✭

Hi there,

 

Sorry for the delay, I have updated the page (actually created a new page for testing). I have tried to be much clearer on the service that we provide:

 

http://www.pensioncashrelease-ni.com/default.new.asp

 

We also checked that our privacy policy is clear on what we do with the information collected from forms, and the only other info we collect is through Google Analytics.

 

If you could cast your eye over it now I'd be grateful.

 

Thanks,

Colin

Re: Site suspension - what changes are needed?

Top Contributor
# 6
Top Contributor

Hello again;

How can you offer the option of a loan (quoting interest rates), and not being regulated? (I am asking because that seems to be a barrier / obstacle that does not comply with the Policy).

Please also note that the Policy has a specific requirement for interest rates in the UK.

Moshe, AdWords Top Contributor , Twitter | Linkedin | Community Profile | Ad-Globe
Did you find any helpful responses or answers to your query? If yes, please mark it as the ‘Best Answer’

Re: Site suspension - what changes are needed?

Visitor ✭ ✭ ✭
# 7
Visitor ✭ ✭ ✭

I can see that it's still not clear. The pension loan product is offered by the transfer companies we work with, we are simply forwarding leads to them.

 

I'll work on it some more!

 

Thanks,

Colin

Re: Site suspension - what changes are needed?

[ Edited ]
Visitor ✭ ✭ ✭
# 8
Visitor ✭ ✭ ✭

Hi there,

 

OK I've made a few more amendments to the text of the page. I've added in a representative example to the loans section, clarified the Tax free lump sum wordings and said that the loans are provided by the companies we work with and not ourselves.

 

Here's hoping this is more clear!

 

Url: http://www.pensioncashrelease-ni.com/default.new.asp

 

Thanks again for your input,

Colin

Re: Site suspension - what changes are needed?

Top Contributor
# 9
Top Contributor

OK;

This is an interesting case since you are an introducer of service.

I am referring the case to Google, asking for another review after changes had been made to comply with the financial services clause.

Watch your email (the one used to login to your account) and keep us posted.

 

-Moshe

 

Moshe, AdWords Top Contributor , Twitter | Linkedin | Community Profile | Ad-Globe
Did you find any helpful responses or answers to your query? If yes, please mark it as the ‘Best Answer’

Re: Site suspension - what changes are needed?

Visitor ✭ ✭ ✭
# 10
Visitor ✭ ✭ ✭

OK, thanks for your help on this.

 

That was why we were originally confused as to why we were suspended, we don't provide financial services at all.

 

Of course we now know that this wasn't at all obvious from our web site, so this has been a great learning experience if nothing else!

 

Again, thanks for all your help with this.

 

Colin