Google bans AdWords ads for payday loans


Last week, Google Inc. (“Google”) announcement its plan to ban AdWords ads for payday loans and related products.

How will the ban affect your AdWords advertising campaign?

AdWords Advertising Program Terms and Rules

Google’s advertising programs, including Google AdWords and Google Display Network, are heavily regulated. The Google Inc. adware terms and AdWords Rules contain a wide range of restrictions on users’ advertising practices and ads placed through the Google network. These include a number of content-based regulations for display and AdWords ads, including restrictions for ads featuring

  • Adult content;
  • Alcoholic beverages;
  • Game related content;
  • Health related content; and or
  • Copyrights / trademarks of third parties.

Google’s AdWords policy team may suspend or cancel the advertising campaigns of advertisers suspected of violating these terms at any time.

Next ban on AdWords ads for payday loans

Google Global Product Policy Director David Graff announced last Wednesday that Google’s advertising systems (e.g. Google AdWords, Google Display Network) will ban ads for loans:

  • require reimbursement within 60 days of the date of issue; and or
  • with an APR of 36% or more.

The new policy is expected to come into effect on Wednesday July 13, 2016. According to Graff, Google’s ban on payday loan ads “will not affect businesses offering loans such as mortgages, car loans, student loans, business loans, [or] Revolving lines of credit (for example, credit cards). “

To help! My AdWords advertising campaign has been suspended!

In our experience, it is not uncommon for the Google AdWords policy team to suspend an advertiser’s AdWords account without warning – and with little or no stated justification – for alleged violations of AdWords rules or of Google Inc.’s advertising program terms.. Once the Settlement Team has imposed such a suspension, it is essential that affected advertisers take appropriate corrective action, submit well-drafted appeal correspondence and, if necessary, contact Google Legal through the channels. appropriate. A digital advertising lawyer with experience in resolving Google AdWords disputes can be an invaluable asset throughout this process.

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