Financial Services
Last updated, July 2024

Principle

At TikTok, our aim is to provide our users with the necessary details to allow them to make well-informed financial choices. Our policies prioritize equipping users with the information they need to evaluate financial products and services, while also protecting them from any deceptive or harmful practices.


Policy

This policy requires enhanced transparency from advertisers that promote financial services and products, including both traditional finance and internet finance. Traditional finance includes, but is not limited to, banking, insurance, trusts, securities, and leases that deal with financial commodities. Internet finance involves using internet technology and communication tools to provide various financial services like financing, payment, investment, information exchange, or debt relief. Most financial service ads must target users aged 18 years or older, and all ad content and landing pages must comply with relevant laws and regulations and must be licensed by local and regional authorities.


The following are examples of what is not allowed:

  • Get-rich-quick offers, pyramid schemes, or other deceptive or too-good-to-be true financial offers

  • Multi-level marketing (MLM)

  • Short term loans (repayment date is less than 90 days or less and 50% APR), debt consolidation, high risk investment products, and pay day loans

  • Encouraging excessive purchasing of items via delayed payment services such as credit cards, loan financing, and buy now, pay later (BNPL) services

    • Suggesting that BNPLs are a risk-free way of spending money, either explicitly or implicitly

In some cases, the following may be allowed:

  • Ad content depicting instructional processes of how consumers can obtain a loan, credit cards, or use "buy now, pay later" services may be allowed if it is not given prominence over other content shown in the ad creative.


Country-specific requirements:


Algeria

Ad topic

Details

Internet finance

Not allowed.

Examples of what is not allowed:

- Ad content or landing pages promoting virtual currencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms and advisory services.

- Bail bonds, debt assistance programs, get-rich-quick-schemes, pyramid schemes, including non-financial pyramid schemes, and multi-level marketing schemes.

- Debt consolidation services, penny auctions, multi-level marketing.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Credit cards, loans, securities, fintech, and most financial services will require 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by regional authorities.


Argentina

Ad topic

Details

Internet finance

Cryptocurrency and non-fungible token (NFT) may be allowed with further restrictions:

-Comply with local laws and regulations

-Work with a TikTok Sales Representative

Not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Credit repair services

-Get-rich-quick schemes

-Pyramid schemes such as non-financial pyramid schemes

-Multi-level marketing (except for reseller businesses)

-Penny auctions

-Auction industry

-Binary options

-Unaccredited digital banks that perform any traditional bank-like function

-Initial coin offerings

-Bail bonds services

-Short-term loans such as repayment period of 90 days or less and 50% APR

Traditional finance

Ad content and landing pages promoting specific financial services must:

-Target users aged 18 years and older

-Adhere to local laws and regulations

-Obtain licensing from local and regional authorities

Allowed services (if the above conditions are met):

-Peer-to-peer (P2P) loans

-Mortgage loans

-Consumer finance loans

-Student loans

-Buy now, pay later (BNPL) services

-Bank accounts, debit and credit cards, insurance services, investment consultations, trading platforms, and foreign exchange services

Not allowed:

-Precious metals

-Land banking

-Payday loans

-Pawnbroker loans


Australia

Ad topic

Details

Internet finance

Not allowed:

-Single securities

-Bail bonds

-Debt assistance programs

-Get-rich-quick schemes

-Pyramid schemes including non-financial pyramid schemes

-Multi-level marketing

-Penny auctions

-Binary options

-Unaccredited digital banks that perform any traditional bank-like function

-Initial coin offerings

-Token sales

-Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum

-Cryptocurrency credit or debit cards

-Wallets

-Advisory services

-Non-fungible token (NFT) trading or investments

-Other means of promotion or advertisement of individual digital currencies or tokens

-Other tradable financial assets

Note: A closed beta test for cryptocurrency exchange services is currently in operation for managed clients who have obtained permission from TikTok via an application process.

Traditional finance

Ad content and landing pages promoting specific financial services must:

-Target users aged 18 years and older

-Adhere to local laws and regulations

-Obtain licensing from local and regional authorities; we may ask for disclosure and evidence of appropriate regulator and third-party accreditations or certifications

-Display proper disclaimers where applicable

Not allowed:

-Loans that help cover cash needs until the next paycheck

-Payday loans

-Pay slip advances

-Pay on-demand services

-Wage advance services


Austria

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, such as non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

In some cases, the following may be allowed with further restrictions:

Managed clients may advertise cryptocurrency exchange services and custodial wallets on the platform if they have obtained permission from TikTok via an application process. These ads require:

-Target users aged 18 years and older

-License with a regulatory body

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Azerbaijan

Ad Topic

Requirements

Internet finance

The following are examples of what is not allowed:

-Peer-to-peer (P2P) loans

-Payday loans

-Cryptocurrencies

-Pyramid schemes

-Get-rich-quick schemes

Traditional finance

In some cases, the following may be allowed with further restrictions:


Ad content and landing pages that promote acceptable financial services, such as banking and insurance services, must comply with relevant laws and regulations. Licensing or registration requirements may apply. Ads may also be required to only target users 18+.


Bahrain

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, such as non-financial pyramid schemes, and multi-level marketing schemes

-Debt consolidation services, penny auctions, multi-level marketing, peer-to-peer (P2P) services, or loan sharks

In some cases, the following may be allowed with further restrictions:

Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Trade license obtained from the Central Bank of Bahrain indicates any of the following business activity:

--Trading in accepted crypto assets as an agent

--Trading in accepted crypto assets as a principal

--Portfolio management

--Crypto asset custody

---Crypto asset custody services

-Investment advice

--Operating a licensed crypto asset exchange

-Target users aged 18 years and older

Traditional finance

In some cases, the following may be allowed with further restrictions:

Credit cards, loans, securities, fintech, and most financial services will require 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by regional authorities.


Belarus

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Debt consolidation services

-Binary options

-Peer-to-peer (P2P) loans

-Payday loans

-Cryptocurrencies

-Pyramid schemes

-Get-rich-quick schemes

-Ad content and landing pages promoting operations with non-deliverable, over-the-counter, financial instruments by non-forex companies, the National Forex Center, and non-bank credit and financial institutions

Traditional finance

In some cases, the following may be allowed with further restrictions:

Ad content and landing pages that promote acceptable financial services, such as banking and insurance services, must comply with relevant laws and regulations. Licensing or registration requirements may apply. Ads may also be required to only target users 18+.

In some cases, the following may be allowed based on certificate requirements:

-License (ООО or OAO) should be searchable in The Unified Register of Licenses.

-Banks and non-bank credit and financial institutions should be available in the list of banks.


Belgium

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, such as non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Bolivia

Ad topic

Details

Internet finance

Advertisers promoting financial services and products must:

- Target users aged 18 years or older

- Obtain licensing from local and regional authorities

- Display proper disclaimers where applicable

- Comply with necessary disclosure requirements

Allowed services (if the above conditions are met):

- Trading platforms

The following are examples of what is not allowed:

- Bail bonds

- Complex speculative investments such as contracts for differences (CFDs), financial spread betting, penny stocks, binary options, and mini-bonds

- Credit card arbitration

- Credit repair services

- Cryptocurrencies or other types of virtual currencies

- Get-rich-quick schemes

- High APR loans (with annual percentage rate of 50% or higher)

- Multi-level marketing (with focus on downline recruitment and strict inventory level or sales quotas)

- Non-fungible tokens (NFTs)

- Pyramid schemes

- Short-term loans (with repayment period of 90 days or less)

Traditional finance

Advertisers promoting financial services and products must:

- Target users aged 18 years or older

- Obtain licensing from local and regional authorities

- Display proper disclaimers where applicable

- Comply with necessary disclosure requirements


Allowed services (if the above conditions are met):

- Loans, such as housing loans and peer-to-peer (P2P) loans

- Bank accounts, debit and credit cards

- Investment consultation or advice

- Third-party payment services

- Insurance services


Not allowed:

- Credit repair services

- Foreign exchange (FX) services

- Pawnbroker loans

- Precious metals


Brazil

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Bail bonds

-Credit repair services

-Get-rich-quick schemes

-Pyramid schemes such as non-financial pyramid schemes

-Multi-level marketing (excluding reseller businesses with two levels)

-Products avoiding tax

-Black market financing

-Credit card arbitration

-Ad content and landing pages promoting complex speculative investment products, including, but not limited to:

-Contracts for differences (CFDs)

-Financial spread betting

-Penny stocks

-Binary options

-Mini-bonds

-Short-term loans (repayment period of 90 days or less and 50% APR)

In some cases, the following may be allowed with further restrictions:

Cryptocurrency and non-fungible token (NFT):

-Comply with local laws and regulations

-Work with a TikTok Sales Representative

Traditional finance

The following are examples of what is not allowed:

-Precious metals

-Land banking

-Pawnbroker loans

In some cases, the following may be allowed with further restrictions:

Ad content and landing pages may promote certain financial services with 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by local and regional authorities:

-Peer-to-peer (P2P) loans

-Personal loans

-Housing loans

-Student loans

-Payday loans (also known as "empréstimo consignado")

-Buy now, pay later (BNPL) services

-Bank accounts, debit credit cards, insurance services, investment consultations, trading platforms, and foreign exchange services.


Bulgaria

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

- Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

- Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Traditional finance

In some cases, the following may be allowed with further restrictions:

- Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards.

- Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Cambodia

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Peer-to-peer (P2P) loans

-Peer-to-peer (P2P) money management

-Financial guarantees

-Venture capital funds

-Futures contracts

-Pyramid schemes

In some cases, the following may be allowed with further restrictions:

Stock trading platforms or investment apps may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Target users aged 18 years and older

-The advertiser is certified by local financial regulatory authorities.

Note: Advertisers promoting cryptocurrencies must be working with a TikTok Sales Representative and must comply with all applicable laws and regulations. These are subject to change.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Ad content or landing pages that promote credit cards, loans, insurance, foreign exchange, and any other permitted financial products or services, including fintech, should comply with relevant laws and regulations. Approval from local and regional authorities is required. Ads may also be required to target 18+ only.


Canada

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ad content and landing pages promoting single securities, certain financial instruments, such as peer-to-peer (P2P) and payday loans, credit repair services, debt relief programs, complex investment products, get-rich-quick schemes, and pyramid schemes, including non-financial pyramid schemes

-Specific services such as pawnbroker loans, binary options, unaccredited digital banks mimicking traditional bank functions, initial coin offerings (ICOs), cryptocurrency ATMs, and cryptocurrency mining devices

-Peer-to-peer (P2P) money management, not to be confused with P2P payments, bail bonds, penny auctions, and the trading of precious metals

In some cases, the following may be allowed with further restrictions:

-Ad content and landing pages related to the exchange, management, or investment of funds (fiat or virtual) must comply with applicable laws, regulations, licensing obligations, and industry requirements. We may ask for disclosure and evidence of appropriate regulator and third-party accreditations or certifications. Ads may only target users 18+, and must include proper disclaimers.

-Ad content and landing pages related to cryptocurrencies and virtual currencies, including trading and advisory platforms, must comply with all applicable laws, regulations, and licensing requirements. Individual coins may be promoted by approved trading platforms. Ads may only target users 18+, and must include proper disclaimers.

-Ad content and landing pages must not imply that non-fungible tokens (NFTs) are a form of investment or can be traded in the market. Ads must comply with all applicable laws, regulations, and licensing requirements. Ads may only target users 18+, and must include proper disclaimers.

Traditional finance

In some cases, the following may be allowed with further restrictions:

-Ad content and landing pages promoting loans must comply with applicable laws, regulations, licensing obligations, and industry requirements. We may ask for disclosure and evidence of appropriate regulator and third-party accreditations or certifications. Ads may only target users 18+, and must include proper disclaimers.

-For certificate requirements for bank accounts and federally regulated credit unions, refer to the Office of the Superintendent of Financial Institutions (OSFI). For provincial credit unions, refer to applicable provincial requirements

-Licensed bank account providers can offer debit cards. Cards cannot have both debit and credit options. See licensing requirements for bank accounts

-Certificate requirements for third-party payments: Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) license (not always required)

-Certificate requirements for loans and credit cards: Office of the Superintendent of Financial Institutions (OSFI)


Chile

Ad topic

Details

Internet finance

Cryptocurrency and non-fungible token (NFT) may be allowed with further restrictions:

-Comply with local laws and regulations

-Work with a TikTok Sales Representative

Not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Credit repair services

-Get-rich-quick schemes

-Pyramid schemes such as non-financial pyramid schemes

-Multi-level marketing (except for reseller businesses)

-Penny auctions

-Auction industry

-Binary options

-Unaccredited digital banks that perform any traditional bank-like function

-Initial coin offerings

-Bail bonds services

-Short-term loans such as repayment period of 90 days or less and 50% APR

Traditional finance

Ad content and landing pages promoting specific financial services must:

-Target users aged 18 years and older

-Adhere to local laws and regulations

-Obtain licensing from local and regional authorities

Allowed services (if the above conditions are met):

-Peer-to-peer (P2P) loans

-Mortgage loans

-Consumer finance loans

-Student loans

-Buy now, pay later (BNPL) services

-Bank accounts, debit and credit cards, insurance services, investment consultations, trading platforms, and foreign exchange services

Not allowed:

-Precious metals

-Land banking

-Payday loans

-Pawnbroker loans


Colombia

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Debt assistance programs

-Credit repair services

-Get-rich-quick schemes

-Pyramid schemes (including non-financial pyramid schemes)

-Multi-level marketing (excluding reseller businesses)

-Penny auctions

-Binary options

-Unaccredited digital banks that perform any traditional bank-like function

-Initial coin offerings

-Short-term loans (repayment period of 90 days or less and 50% APR)

In some cases, the following may be allowed with further restrictions:

Cryptocurrency and non-fungible token (NFT):

-Comply with local laws and regulations

-Work with a TikTok Sales Representative

Traditional finance

The following are examples of what is not allowed:

-Precious metals

-Land banking

-Payday loans

-Pawnbroker loans

In some cases, the following may be allowed with further restrictions:

Ad content and landing pages may promote certain financial services with 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by local and regional authorities:

-Peer-to-peer (P2P) loans

-Mortgage loans

-Consumer finance loans

-Student loans

-Buy now, pay later (BNPL) services

-Bank accounts, debit and credit cards, insurance services, investment consultations, trading platforms, and foreign exchange services


Costa Rica

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Digital currencies and other digital assets including non-fungible tokens (NFT)

-Debt assistance programs

-Credit repair services

-Get-rich-quick schemes

-Pyramid schemes (including non-financial pyramid schemes)

-Multi-level marketing (excluding reseller businesses with two levels)

-Auction industries

-Penny auctions

-Penny stocks

-Bail bonds services

-Binary options

-Unaccredited digital banks that perform any traditional bank-like function

-Initial coin offerings

-Short-term loans (repayment period of 90 days or less and 50% annual percentage rate (APR))

Traditional finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Peer-to-peer (P2P) loans

-Precious metals

-Land banking

In some cases, the following may be allowed with further restrictions:

Ad content and landing pages may promote certain financial services with 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by local and regional authorities:

-Mortgage loans

-Consumer finance loans

-Student loans

-Buy now, pay later (BNPL) services

-Bank accounts, debit and credit cards, insurance services, investment consultations, trading platforms, and foreign exchange services


Cyprus

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

- Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

- Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, such as non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Traditional finance

In some cases, the following may be allowed with further restrictions:

- Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Czech Republic

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies (like Bitcoin and Ethereum), cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products (such as forex trading, binary options, and land banking)

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes (including non-financial pyramid schemes), debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Denmark

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes (including non-financial pyramid schemes), debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Dominican Republic

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Digital currencies and other digital assets including non-fungible tokens (NFT)

-Debt assistance programs

-Credit repair services

-Get-rich-quick schemes

-Pyramid schemes (including non-financial pyramid schemes)

-Multi-level marketing (excluding reseller businesses with two levels)

-Auction industries

-Penny auctions

-Penny stocks

-Bail bonds services

-Binary options

-Unaccredited digital banks that perform any traditional bank-like function

-Initial coin offerings

-Short-term loans (repayment period of 90 days or less and 50% annual percentage rate (APR))

Traditional finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Peer-to-peer (P2P) loans

-Precious metals

-Land banking

In some cases, the following may be allowed with further restrictions:

Ad content and landing pages may promote certain financial services with 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by local and regional authorities:

-Mortgage loans

-Consumer finance loans

-Student loans

-Buy now, pay later (BNPL) services

-Bank accounts, debit and credit cards, insurance services, investment consultations, trading platforms, and foreign exchange services


Ecuador

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Debt assistance programs

-Credit repair services

-Get-rich-quick schemes

-Pyramid schemes (including non-financial pyramid schemes)

-Multi-level marketing (excluding reseller businesses)

-Penny auctions

-Binary options

-Unaccredited digital banks that perform any traditional bank-like function

-Initial coin offerings

-Short-term loans (repayment period of 90 days or less and 50% APR)

-Auction industry

-Bail bonds

In some cases, the following may be allowed with further restrictions:

Cryptocurrency and non-fungible token (NFT):

-Comply with local laws and regulations

-Work with a TikTok Sales Representative

Traditional finance

The following are examples of what is not allowed:

-Precious metals

-Land banking

In some cases, the following may be allowed with further restrictions:

Ad content and landing pages may promote certain financial services with 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by local and regional authorities:

-Peer-to-peer (P2P) loans

-Personal loans

-Housing loans

-Student loans

-Buy now, pay later (BNPL) services

-Bank accounts, debit and credit cards, insurance services, investment consultations, trading platforms, and foreign exchange services


Egypt

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ad content or landing pages promoting virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms and advisory services

-Credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, and multi-level marketing schemes

-Debt consolidation services, penny auctions, multi-level marketing, peer-to-peer (P2P) services, or loan sharks

Traditional finance

In some cases, the following may be allowed with further restrictions:

Credit cards, loans, securities, fintech, and most financial services will require 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by regional authorities.


Finland

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


France

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Note: Managed clients may advertise cryptocurrency exchanges and custodial wallets on the platform if they have obtained permission from TikTok via an application process.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Germany

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Note: Managed clients may advertise cryptocurrency exchanges and custodial wallets on the platform if they have obtained permission from TikTok via an application process.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Greece

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Guatemala

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

--Digital currencies and other digital assets including non-fungible tokens (NFT)

Debt assistance programs

-Credit repair services

-Get-rich-quick schemes

-Pyramid schemes (including non-financial pyramid schemes)

-Multi-level marketing (excluding reseller businesses with two levels)

-Auction industries

-Penny auctions

-Penny stocks

-Bail bonds services

-Binary options

-Unaccredited digital banks that perform any traditional bank-like function

-Initial coin offerings

-Short-term loans (repayment period of 90 days or less and 50% annual percentage rate (APR))

Traditional finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Peer-to-peer (P2P) loans

-Precious metals

-Land banking

In some cases, the following may be allowed with further restrictions:

Ad content and landing pages may promote certain financial services with 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by local and regional authorities:

-Personal loans

-Housing loans

-Student loans

-Buy now, pay later (BNPL) services

-Bank accounts, debit and credit cards, insurance services, investment consultations, trading platforms, and foreign exchange services


Hungary

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes (including non-financial pyramid schemes), debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Indonesia

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Financial guarantees

-Venture capital funds

-Futures contracts

-Pyramid schemes

In some cases, the following may be allowed with further restrictions:

Stock trading platforms or investment apps may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Target users aged 18 years and older

-The advertiser is certified by local financial regulatory authorities.

Note: Advertisers promoting cryptocurrencies must be working with a TikTok Sales Representative and must comply with all applicable laws and regulations. These are subject to change.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Ad content or landing pages that promote credit cards, loans, insurance, foreign exchange, and any other permitted financial and finance-related products or services, including fintech, should comply with relevant laws and regulations. Approval from local and regional authorities is required. Ads may also be required to target 18+ only.


Iraq

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ad content or landing pages promoting virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms and advisory services

-Credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, and multi-level marketing schemes

-Debt consolidation services, penny auctions, multi-level marketing, peer-to-peer (P2P) services, or loan sharks

Traditional finance

In some cases, the following may be allowed with further restrictions:

Credit cards, loans, securities, fintech, and most financial services will require 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by regional authorities.


Ireland

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Israel

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content or landing pages promoting or related to:

-Virtual currencies, such as Bitcoin and Ethereum

-Cryptocurrency trading platforms and non-custodial wallets

-Advisory services

-Non-fungible token (NFT) trading or investments

-High-risk investment products (such as forex trading, binary options, and land banking)

-Credit repair services

-Bail bonds

-Debt assistance programs

-Get-rich-quick schemes

-Pyramid schemes (including non-financial pyramid schemes)

-Debt consolidation services and refinancing

-Penny auctions

-Multi-level marketing (MLM)

-Peer-to-peer (P2P) lending

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Italy

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Note: Managed clients may advertise cryptocurrency exchanges and custodial wallets on the platform if they have obtained permission from TikTok via an application process.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Japan

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ad content or landing pages promoting payroll prepayment (factoring) services

-Peer-to-peer (P2P) loans or any service that allows the exchange of money between individuals

In some cases, the following may be allowed with further restrictions:

-Ad content or landing pages related to cryptocurrency or virtual currencies, including trading and advisory platforms, must be authorized by the Japanese FSA (Financial Services Agency), with 20+ age targeting.

-Ad content and landing pages related to non-fungible tokens (NFTs) that are currently in operation for clients that have obtained permission from TikTok via an application process and that only target users aged 18+ or 20+ (for financial trade)

Traditional finance

The following are examples of what is not allowed:

-Ad content and landing pages promoting credit card cash out services or financial services provided by overseas institutions to the Japan market

-Domestic financial products and services:

-Services related to mining

-Services related to gold trading and futures trading

-Factoring services such as payroll prepayment, prepaid goods purchasing, post payment (credit), credit card cashing services

-Other services prohibited by Japanese law

In some cases, the following may be allowed with further restrictions:

Ad content or landing pages that promote credit cards, loans, insurance, funds, or any other permitted financial and finance-related products or services, including fintech, should comply with relevant laws and regulations. A registered license or approval from local authorities is required. Advertisers should be a member of the related industry association. Ads may also be required to only target users 20+.


Jordan

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, and multi-level marketing schemes

-Debt consolidation services, penny auctions, multi-level marketing, peer-to-peer (P2P) services, or loan sharks

In some cases, the following may be allowed with further restrictions:

Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Trade license indicates that the advertiser is permitted to conduct financial virtual business or activity.

-License must be obtained from the target or base market. For example, if the advertiser is based in the USA and targeting Jordan, they can provide a valid crypto-related business license obtained from either Jordan's local authority or the USA's local authority.

-Target users aged 18 years and older

Traditional finance

In some cases, the following may be allowed with further restrictions:

Credit cards, loans, securities, fintech, and most financial services will require 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by regional authorities.


Kazakhstan

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Debt consolidation services

-Binary options

-Peer-to-peer (P2P) loans

-Payday loans

-Get-rich-quick schemes

-Pyramid schemes

In some cases, the following may be allowed with further restrictions:

Cryptocurrencies may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Advertisers must obtain required certificates.

-Target users aged 18 years and older

Note: Advertisers promoting cryptocurrencies must be working with a TikTok Sales Representative and must comply with all applicable laws and regulations. These are subject to change.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Ad content or landing pages that promote financial services such as banking and insurance services, should comply with relevant laws and regulations. Licensing and registration requirements also apply. Ads may also be required to target users 18+ only.

In some cases, the following may be allowed based on certificate requirements:

-License for banking (AO) and other operations and activities in the securities market is required.

-Banking services should be registered at The Agency of the Republic of Kazakhstan for Regulation and Development of Financial Market.


Kenya

Ad topic

Details

Internet finance

Not allowed. Examples of what is not allowed:

- Ad content or landing pages promoting virtual currencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms and advisory services.

- Bail bonds, debt assistance programs, get-rich-quick-schemes, pyramid schemes, including non-financial pyramid schemes, and multi-level marketing schemes.

- Debt consolidation services, penny auctions, multi-level marketing.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Credit cards, loans, securities, fintech, and most financial services will require 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by regional authorities.


Kuwait

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, and multi-level marketing schemes

-Debt consolidation services, penny auctions, multi-level marketing, peer-to-peer (P2P) services, or loan sharks

In some cases, the following may be allowed with further restrictions:

Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Trade license indicates that the advertiser is permitted to conduct financial virtual business or activity.

-License must be obtained from the target or base market. For example, if the advertiser is based in the USA and targeting Kuwait, they can provide a valid crypto-related business license obtained from either Kuwait's local authority or the USA's local authority.

-Target users aged 18 years and older

Traditional finance

In some cases, the following may be allowed with further restrictions:

Credit cards, loans, securities, fintech, and most financial services will require 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by regional authorities.


Lebanon

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, and multi-level marketing schemes

-Debt consolidation services, penny auctions, multi-level marketing, peer-to-peer (P2P) services, or loan sharks

In some cases, the following may be allowed with further restrictions:

Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Trade license indicates that the advertiser is permitted to conduct financial virtual business or activity.

-License must be obtained from the target or base market. For example, if the advertiser is based in the USA and targeting Lebanon, they can provide a valid crypto-related business license obtained from either Lebanon's local authority or the USA's local authority.

-Target users aged 18 years and older

Traditional finance

In some cases, the following may be allowed with further restrictions:

Credit cards, loans, securities, fintech, and most financial services will require 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by regional authorities.


Luxembourg

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies (like Bitcoin and Ethereum), cryptocurrency trading platforms, wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products (such as forex trading, and binary options)

-Ads promoting credit repair services, bail bonds, get-rich-quick schemes, pyramid schemes (including non-financial pyramid schemes), debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Traditional finance

In some cases, the following may be allowed with further restrictions:

-Advertisers must be licensed by the appropriate authorities to provide financial services and comply with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Malaysia

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Peer-to-peer (P2P) loans

-Peer-to-peer (P2P) money management

-Financial guarantees

-Venture capital funds

-Futures contracts

-Pyramid schemes

In some cases, the following may be allowed with further restrictions:

Stock trading platforms or investment apps may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Target users aged 18 years and older

-The advertiser is certified by local financial regulatory authorities.

Note: Advertisers promoting cryptocurrencies must be working with a TikTok Sales Representative and must comply with all applicable laws and regulations. These are subject to change.

Traditional finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Peer-to-peer (P2P) loans

-Peer-to-peer (P2P) money management

-Financial guarantees

-Venture capital funds

-Futures contracts

-Pyramid schemes

In some cases, the following may be allowed with further restrictions:

Stock trading platforms or investment apps may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Target users aged 18 years and older

-The advertiser is certified by local financial regulatory authorities.

Note: Advertisers promoting cryptocurrencies must be working with a TikTok Sales Representative and must comply with all applicable laws and regulations. These are subject to change.


Mexico

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Debt assistance programs

-Credit repair services

-Get-rich-quick schemes

-Pyramid schemes (including non-financial pyramid schemes)

-Multi-level marketing (excluding reseller businesses with two levels)

-Auction industries

-Penny auctions

-Bail bonds services

-Binary options

-Unaccredited digital banks that perform any traditional bank-like function

-Initial coin offerings

-Short-term loans (repayment period of 90 days or less and 50% annual percentage rate (APR))

In some cases, the following may be allowed with further restrictions:

Cryptocurrency and non-fungible tokens (NFT):

-Comply with local laws and regulations

-Work with a TikTok Sales Representative

Traditional finance

The following are examples of what is not allowed:

-Precious metals

-Land banking

-Payday loans

-Pawnbroker loans

In some cases, the following may be allowed with further restrictions:

Ad content and landing pages may promote certain financial services with 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by local and regional authorities:

-Peer-to-peer (P2P) loans

-Mortgage loans

-Consumer finance loans

-Buy now, pay later (BNPL) services

-Student loans

-Bank accounts, debit and credit cards, insurance services, investment consultations, trading platforms, and foreign exchange services


Morocco

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ad content or landing pages promoting virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms and advisory services

-Credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, and multi-level marketing schemes

-Debt consolidation services, penny auctions, multi-level marketing, peer-to-peer (P2P) services, or loan sharks

Traditional finance

In some cases, the following may be allowed with further restrictions:

Credit cards, loans, securities, fintech, and most financial services will require 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by regional authorities.


Netherlands

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Note: Managed clients may advertise cryptocurrency exchanges and custodial wallets on the platform if they have obtained permission from TikTok via an application process.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


New Zealand

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Single securities

-Bail bonds

-Debt assistance programs

-Get-rich-quick schemes

-Pyramid schemes (including non-financial pyramid schemes)

-Multi-level marketing

-Penny auctions

-Binary options

-Unaccredited digital banks that perform any traditional bank-like function

-Initial coin offerings

-Token sales

-Virtual currencies or cryptocurrencies (such as Bitcoin and Ethereum)

-Cryptocurrency credit or debit cards

-Wallets

-Advisory services

-Non-fungible token (NFT) trading or investments

-Other means of promotion or advertisement of individual digital currencies or tokens

-Other tradable financial assets

Note: A closed beta test for cryptocurrency exchange services is currently in operation for managed clients who have obtained permission from TikTok via an application process.

Traditional finance

The following are examples of what is not allowed:

Ad content and landing pages promoting loans that help cover cash needs until the next paycheck, including, but not limited to, payday loans, pay slip advances, pay on-demand services, or wage advance services

In some cases, the following may be allowed with further restrictions:

Ad content and landing pages must comply with all applicable laws, regulations, and industry rules and requirements. This includes, but is not limited to, compliance with the Financial Markets Conduct Act, the Fair Trading Act, the Credit Contract and Consumer Finance Act, the Credit Contract and Consumer Finance Regulations, Section 3 (Advertising) of the Lending Code, the Insurance (Prudential Supervision) Act, and the Advertising Standards Authority Financial Advertising Code. Advertisers must ensure that ad content and landing pages comply with any applicable rules. We may ask for evidence of registrations, certifications, or licenses allowing an advertiser to provide the financial service being advertised. Failure to provide evidence when requested, may mean we refuse to publish your advertisement. Ads should only target users 18+, and must include proper disclaimers where applicable.


Nigeria

Ad topic

Details

Internet finance

Not allowed. Examples of what is not allowed:

- Ad content or landing pages promoting virtual currencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms and advisory services.

- Bail bonds, debt assistance programs, get-rich-quick-schemes, pyramid schemes, including non-financial pyramid schemes, and multi-level marketing schemes.

- Debt consolidation services, penny auctions, multi-level marketing.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Credit cards, loans, securities, fintech, and most financial services will require 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by regional authorities.


Norway

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Note: Managed clients may advertise cryptocurrency exchanges and custodial wallets on the platform if they have obtained permission from TikTok via an application process.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Oman

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes (including non-financial pyramid schemes) and multi-level marketing schemes

-Debt consolidation services, penny auctions, multi-level marketing, peer-to-peer (P2P) services, or loan sharks

In some cases, the following may be allowed with further restrictions:

Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Trade license indicates that the advertiser is permitted to conduct financial virtual business or activity.

-License must be obtained from the target or base market. For example, if the advertiser is based in the USA and targeting Oman, they can provide a valid crypto-related business license obtained from either Oman's local authority or the USA's local authority.

-Target users aged 18 years and older

Traditional finance

In some cases, the following may be allowed with further restrictions:

Credit cards, loans, securities, fintech, and most financial services will require 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by regional authorities.


Pakistan

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ad content or landing pages promoting virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms and advisory services

-Credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, and multi-level marketing schemes

-Debt consolidation services, penny auctions, multi-level marketing, peer-to-peer (P2P) services, or loan sharks

Traditional finance

In some cases, the following may be allowed with further restrictions:

-Credit cards, loans, securities, fintech, and most financial services will require 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by regional authorities.

-Ad content and landing pages must comply with applicable laws, regulations, licensing obligations, and industry requirements. We may ask for disclosure and evidence of appropriate regulator and third-party accreditations or certifications. Ads should target users 18+, and include appropriate disclaimers where applicable.


Panama

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Digital currencies and other digital assets including non-fungible tokens (NFT)

-Debt assistance programs

-Credit repair services

-Get-rich-quick schemes

-Pyramid schemes (including non-financial pyramid schemes)

-Multi-level marketing (excluding reseller businesses with two levels)

-Auction industries

-Penny auctions

-Penny stocks

-Bail bonds services

-Binary options

-Unaccredited digital banks that perform any traditional bank-like function

-Initial coin offerings

-Short-term loans (repayment period of 90 days or less and 50% annual percentage rate (APR))

Traditional finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Peer-to-peer (P2P) loans

-Precious metals

-Land banking

In some cases, the following may be allowed with further restrictions:

Ad content and landing pages may promote certain financial services with 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by local and regional authorities:

-Personal loans

-Housing loans

-Student loans

-Buy now, pay later (BNPL) services

-Bank accounts, debit and credit cards, insurance services, investment consultations, trading platforms, and foreign exchange services


Paraguay

Ad topic

Details

Internet finance

Advertisers promoting financial services and products must:

- Target users aged 18 years or older

- Obtain licensing from local and regional authorities

- Display proper disclaimers where applicable

- Comply with necessary disclosure requirements

Allowed services (if the above conditions are met):

- Trading platforms

The following are examples of what is not allowed:

- Bail bonds

- Complex speculative investments such as contracts for differences (CFDs), financial spread betting, penny stocks, binary options, and mini-bonds

- Credit card arbitration

- Credit repair services

- Cryptocurrencies or other types of virtual currencies

- Get-rich-quick schemes

- High APR Loans (with annual percentage rate of 50% or higher)

- Multi-level marketing (with focus on downline recruitment and strict inventory level or sales quotas)

- Non-fungible tokens (NFTs)

- Pyramid schemes

- Short-term loans (with repayment period of 90 days or less)

Traditional finance

Advertisers promoting financial services and products must:

- Target users aged 18 years or older

- Obtain licensing from local and regional authorities

- Display proper disclaimers where applicable

- Comply with necessary disclosure requirements

Allowed services (if the above conditions are met):

- Loans, such as housing loans and peer-to-peer (P2P) loans

- Bank accounts, debit and credit cards

- Investment consultation or advice

- Third-party payment services

- Insurance services


Not allowed:

- Credit repair services

- Foreign exchange (FX) services

- Pawnbroker loans

- Precious metals


Peru

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Debt assistance programs

-Credit repair services

-Get-rich-quick schemes

-Pyramid schemes (including non-financial pyramid schemes)

-Multi-level marketing (excluding reseller businesses with two levels)

-Auction industries

-Penny auctions

-Bail bonds services

-Binary options

-Unaccredited digital banks that perform any traditional bank-like function

-Initial coin offerings

-Short-term loans (repayment period of 90 days or less and 50% annual percentage rate (APR))

In some cases, the following may be allowed with further restrictions:

Cryptocurrency and non-fungible tokens (NFT):

-Comply with local laws and regulations.

-Work with a TikTok Sales Representative.

Traditional finance

The following are examples of what is not allowed:

Precious metals

Land banking

Payday loans

Pawnbroker loans

In some cases, the following may be allowed with further restrictions:

Ad content and landing pages may promote certain financial services with 18+ age targeting and must comply with relevant laws and regulations and must be licensed by local and regional authorities, including but not limited to:

-Peer-to-peer (P2P) loans

-Mortgage loans

-Consumer finance loans

-Buy now, pay later (BNPL) services

-Student loans

-Bank accounts, debit and credit cards, insurance services, investment consultations, trading platforms, and foreign exchange services


Philippines

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Peer-to-peer (P2P) loans

-Peer-to-peer (P2P) money management

-Financial guarantees

-Venture capital funds

-Futures contracts

-Foreign exchange spot transactions

-Pyramid schemes

In some cases, the following may be allowed with further restrictions:

Stock trading platforms or investment apps may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Target users aged 18 years and older

-The advertiser is certified by local financial regulatory authorities.

Note: Advertisers promoting cryptocurrencies must be working with a TikTok Sales Representative and must comply with all applicable laws and regulations. These are subject to change.

Traditional finance

In some cases, the following may be allowed with further restrictions:

-Ad content or landing pages that promote credit cards, loans, insurance, foreign exchange, and any other permitted financial or financial-related products or services, including fintech, should comply with relevant laws and regulations. Approval from local and regional authorities is required. Ads may also be required to target 18+ only.

-We may ask for disclosure and evidence of appropriate regulator and third-party accreditations or certifications.

-Ads must include appropriate disclaimers where applicable.


Poland

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

In some cases, the following may be allowed with further restrictions:

Cryptocurrency exchanges and custodial wallets can advertise on the platform for managed clients who have obtained permission from us via an application process.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Portugal

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Qatar

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, and multi-level marketing schemes

-Debt consolidation services, penny auctions, multi-level marketing, peer-to-peer (P2P) services, or loan sharks

In some cases, the following may be allowed with further restrictions:

Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Trade license indicates that the advertiser is permitted to conduct financial virtual business or activity.

-License must be obtained from the target or base market. For example, if the advertiser is based in the USA and targeting Qatar, they can provide a valid crypto-related business license obtained from either Qatar's local authority or the USA's local authority.

-Target users aged 18 years and older

Traditional finance

In some cases, the following may be allowed with further restrictions:

Credit cards, loans, securities, fintech, and most financial services will require 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by regional authorities.


Romania

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Russia

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Debt consolidation services

-Binary options

-Peer-to-peer (P2P) loans

-Payday loans

-Cryptocurrencies

-Get-rich-quick schemes

-Pyramid schemes

Traditional finance

In some cases, the following may be allowed based on certificate requirements:

Ad content or landing pages that promote financial services such as banking and insurance services, should comply with relevant laws and regulations. Licensing and registration requirements also apply. Ads may also be required to target users 18+ only.


Saudi Arabia

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, and multi-level marketing schemes

-Debt consolidation services, penny auctions, multi-level marketing, peer-to-peer (P2P) services, or loan sharks

In some cases, the following may be allowed with further restrictions:

Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Trade license indicates that the advertiser is permitted to conduct financial virtual business or activity.

-License must be obtained from the target or base market. For example, if the advertiser is based in the USA and targeting Saudi Arabia, they can provide a valid crypto-related business license obtained from either Saudi Arabia's local authority or the USA's local authority.

-Target users aged 18 years and older

Traditional finance

In some cases, the following may be allowed with further restrictions:

Credit cards, loans, securities, fintech, and most financial services will require 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by regional authorities.


Singapore

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Peer-to-peer (P2P) loans

-Peer-to-peer (P2P) money management

-Financial guarantees

-Venture capital funds

-Futures contracts

-Pyramid schemes

In some cases, the following may be allowed with further restrictions:

Stock trading platforms or investment apps may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Target users aged 18 years and older

-The advertiser is certified by local financial regulatory authorities.

Note: Advertisers promoting cryptocurrencies must be working with a TikTok Sales Representative and must comply with all applicable laws and regulations. These are subject to change.

Traditional finance

In some cases, the following may be allowed with further restrictions:

-Ad content or landing pages that promote credit cards, loans, insurance, foreign exchange, and any other permitted financial products or services, including fintech, should comply with relevant laws and regulations. Approval from local and regional authorities is required. Ads may also be required to target 18+ only.

-We may ask for disclosure and evidence of appropriate regulator and third-party accreditations or certifications.

-Ads must include appropriate disclaimers where applicable.


South Africa

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, and multi-level marketing schemes

-Debt consolidation services, penny auctions, multi-level marketing, peer-to-peer (P2P) services, or loan sharks

In some cases, the following may be allowed with further restrictions:

Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Trade license obtained from the Financial Intelligence Centre must indicate that the advertiser is permitted to conduct financial virtual business or activity.

-Target users aged 18 years and older

Traditional finance

In some cases, the following may be allowed with further restrictions:

Ad content or landing pages that promote credit cards, loans, insurance, e-payment tools, and any other permitted financial products or services, including fintech, should comply with relevant laws and regulations. Approval from local authorities or supervision agencies is required. Ads may also be required to target 18+ only.


South Korea

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Cryptocurrencies

-Non-fungible tokens (NFTs)

Note: Cryptocurrencies & non-fungible tokens (NFTs) belong to a dynamic industry which may change over time. Contact your local TikTok Sales Representative for more information.

In some cases, the following may be allowed with further restrictions:

-Ad content and landing pages promoting cryptocurrency exchange platforms must have approval from local authorities or supervision agencies.

-Any peer-to-peer (P2P) investment related materials are restricted and require 18+ age targeting, a deliberation number, and the highest annual rate listed within the content of the ad.

Note: Peer-to-peer (P2P) loans belong to a dynamic industry that may change and vary in markets over time.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Ad content or landing pages that promote credit cards, loans, insurance, e-payment tools, stock-related services, stock investment consultation services, and any other permitted financial products or services, including fintech, should comply with relevant laws and regulations. Approval from local authorities or supervision agencies is required. Ads may not include any exaggerated descriptions and may also be required to target 18+ only.

Note: Contact your local TikTok Sales Representative for more information.


  • Spain

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Note: Managed clients may advertise cryptocurrency exchanges and custodial wallets on the platform if they have obtained permission from TikTok via an application process.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Sweden

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Note: Managed clients may advertise cryptocurrency exchanges and custodial wallets on the platform if they have obtained permission from TikTok via an application process.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Switzerland

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

In some cases, the following may be allowed with further restrictions:

Cryptocurrency exchanges and custodial wallets can advertise on the platform for managed clients who have obtained permission from us via an application process.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


Taiwan

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting stocks, loan sharks, and private fund-related products or services

In some cases, the following may be allowed with further restrictions:

Cryptocurrencies and non-fungible tokens (NFTs) may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Target users aged 18 years and older

-The advertiser is certified by local financial regulatory authorities.

Note: Advertisers promoting cryptocurrencies must be working with a TikTok Sales Representative and must comply with all applicable laws and regulations. These are subject to change.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Ad content or landing pages that promote credit cards, loans, insurance, public funding, and any other permitted financial and finance-related products or services should comply with relevant laws and regulations. Approval from local authorities is required. Ads may also be required to target users 18+ only, and should disclose proper disclaimers.

Note: Contact your local TikTok Sales Representative for detailed information.


Thailand

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Financial guarantees

-Venture capital funds

-Futures contracts

-Pyramid schemes

In some cases, the following may be allowed with further restrictions:

Stock trading platforms or investment apps may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Target users aged 18 years and older

-The advertiser is certified by local financial regulatory authorities.

Note: Advertisers promoting cryptocurrencies must be working with a TikTok Sales Representative and must comply with all applicable laws and regulations. These are subject to change.

Traditional finance

In some cases, the following may be allowed with further restrictions:

-Ad content or landing pages that promote credit cards, loans, insurance, foreign exchange, and any other permitted financial products or services, including fintech, should comply with relevant laws and regulations. Approval from local and regional authorities is required. Ads may also be required to target 18+ only.

-We may ask for disclosure and evidence of appropriate regulator and third-party accreditations or certifications.

-Ads must include appropriate disclaimers where applicable.


Turkey

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, and multi-level marketing schemes

-Debt consolidation services, penny auctions, multi-level marketing, peer-to-peer (P2P) services, or loan sharks

In some cases, the following may be allowed with further restrictions:

Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Certificate of activity (faaliyet belgesi) from the Istanbul Chamber of Commerce indicates that the advertiser is permitted to conduct financial virtual business or activity.

-Target users aged 18 years and older

Traditional finance

In some cases, the following may be allowed with further restrictions:

Credit cards, loans, securities, fintech, and most financial services will require 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by regional authorities.


Ukraine

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Debt consolidation services

-Binary options

-Peer-to-peer (P2P) loans

-Payday loans

-Cryptocurrencies

-Pyramid schemes

-Get-rich-quick schemes

Traditional finance

In some cases, the following may be allowed based on certificate requirements:

Ad content or landing pages that promote financial services such as banking and insurance services, should comply with relevant laws and regulations. Licensing and registration requirements also apply. Ads may also be required to target users 18+ only.


United Arab Emirates

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, and multi-level marketing schemes

-Debt consolidation services, penny auctions, multi-level marketing, peer-to-peer (P2P) services, or loan sharks

In some cases, the following may be allowed with further restrictions:

Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-Trade license indicates that the advertiser is permitted to conduct financial virtual business or activity.

-License must be obtained from the target or base market. For example, if the advertiser is based in the USA and targeting Saudi Arabia, they can provide a valid crypto-related business license obtained from either Saudi Arabia's local authority or the USA's local authority.

-Target users aged 18 years and older

Traditional finance

In some cases, the following may be allowed with further restrictions:

Credit cards, loans, securities, fintech, and most financial services will require 18+ age targeting, must comply with relevant laws and regulations, and must be licensed by regional authorities.


United Kingdom

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ads promoting virtual currencies, such as Bitcoin and Ethereum, cryptocurrency trading platforms, non-custodial wallets, advisory services, non-fungible token (NFT) trading or investments, and high-risk investment products, such as forex trading, binary options, and land banking

-Ads promoting credit repair services, bail bonds, debt assistance programs, get-rich-quick schemes, pyramid schemes, including non-financial pyramid schemes, debt consolidation services and refinancing, penny auctions, multi-level marketing, and peer-to-peer (P2P) lending

Note: Managed clients may advertise cryptocurrency exchanges and custodial wallets on the platform if they have obtained permission from TikTok via an application process.

Traditional finance

In some cases, the following may be allowed with further restrictions:

Advertisers must be licensed by the appropriate authorities, such as The Financial Conduct Authority (FCA), to provide financial services and ensure their ad content follows local laws and regulations, including compliance with necessary disclosure requirements for products such as loans and credit cards. Information such as interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples must be clearly presented and given sufficient prominence on landing pages. Loans, credit cards, buy now, pay later (BNPL) services, and investment services may be advertised with 18+ age targeting.


United States

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

-Ad content and landing pages promoting single securities, certain financial instruments, such as peer-to-peer (P2P) and payday loans, credit repair services, debt relief programs, complex investment products, get-rich-quick schemes, and pyramid schemes, including non-financial pyramind schemes

-Specific services such as pawnbroker loans, binary options, unaccredited digital banks mimicking traditional bank functions, initial coin offerings (ICOs), cryptocurrency ATMs, and cryptocurrency mining devices

-Peer-to-peer (P2P) money management, not to be confused with peer-to-peer (P2P) payments, bail bonds, penny auctions, and the trading of precious metals

In some cases, the following may be allowed with further restrictions:

-Ad content and landing pages related to the exchange, management, or investment of funds, such as fiat or virtual, must comply with applicable laws, regulations, licensing obligations, and industry requirements. We may ask for disclosure and evidence of appropriate regulator and third-party accreditations or certifications. Ads may only target users 18+, and must include proper disclaimers.

-Ad content and landing pages related to cryptocurrencies and virtual currencies, including trading and advisory platforms, must comply with all applicable laws, regulations, and licensing requirements. Individual coins may be promoted by approved trading platforms. Ads may only target users 18+, and must include proper disclaimers.

-Ad content and landing pages must not imply that non-fungible tokens (NFTs) are a form of investment or can be traded in the market. Ads must comply with all applicable laws, regulations, and licensing requirements. Ads may only target users 18+, and must include proper disclaimers.

Traditional finance

In some cases, the following may be allowed with further restrictions:

-Ad content and landing pages related to or promoting loans must comply with applicable laws, regulations, licensing obligations, and industry requirements. We may ask for disclosure and evidence of appropriate regulator and third-party accreditations or certifications. Ads may only target users 18+, and must include proper disclaimers.

-Licensed bank account providers can offer debit cards. See licensing requirements for bank accounts.

-Certificate requirements for bank accounts: OCC (national banks), FDIC (state banks), NMLS (state licenses)

-Certificate requirements for third-party payments: FinCEN license (not always required)


Uruguay

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Payday loans

-Debt assistance programs

-Credit repair services

-Get-rich-quick schemes

-Pyramid schemes (including non-financial pyramid schemes)

-Multi-level marketing (excluding reseller businesses with two levels)

-Auction industries

-Penny auctions

-Bail bonds services

-Binary options

-Unaccredited digital banks that perform any traditional bank-like function

-Initial coin offerings

-Short-term loans (repayment period of 90 days or less and 50% annual percentage rate (APR))

In some cases, the following may be allowed with further restrictions:

Cryptocurrency and non-fungible tokens (NFT):

-Comply with local laws and regulations.

-Work with a TikTok Sales Representative.

Traditional finance

The following are examples of what is not allowed:

-Precious metals

-Land banking

In some cases, the following may be allowed with further restrictions:

Ad content and landing pages may promote certain financial services with 18+ age targeting and must comply with relevant laws and regulations and must be licensed by local and regional authorities, including but not limited to:

-Peer-to-peer (P2P) loans

-Personal loans

-Housing loans

-Student loans

-Buy now, pay later (BNPL) services

-Student loans

-Bank accounts, debit and credit cards, insurance services, investment consultations, trading platforms, and foreign exchange services


Vietnam

Ad topic

Details

Internet finance

The following are examples of what is not allowed:

Ad content and landing pages promoting certain financial services, including, but not limited to:

-Cryptocurrencies

-Financial guarantees

-Venture capital funds

-Futures contracts

-Pyramid schemes

In some cases, the following may be allowed with further restrictions:

Stock trading platforms or investment apps may be allowed to advertise, as long as the ad content and landing pages adhere to the following guidelines:

-18+ age targeting

-The advertiser is certified by local financial regulatory authorities.

Traditional finance

In some cases, the following may be allowed with further restrictions:

-Ad content or landing pages that promote credit cards, loans, insurance, foreign exchange, and any other permitted financial and finance-related products or services, including fintech, should comply with relevant laws and regulations. Approval from local and regional authorities is required. Ads may also be required to target 18+ only.


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