Financial Services

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 you, as an advertiser, that promotes financial products and services, such as banking, insurance, trusts, securities, and leases that deal with financial commodities, financing, payments, investments, information exchange, or debt relief.

Generally, the following requirements must be met, but may depend on your delivery market (see the Market-specific requirements section for additional guidance):

• Comply with relevant local laws and regulations

• Be licensed by local and regional authorities

• Include proper disclaimers where applicable

• The ad must be restricted to audiences aged 18 years and older

Examples of what is not allowed:

• Get-rich-quick offers

• Pyramid schemes

• Too-good-to-be-true financial offers

Market-specific requirements

Algeria, Kenya

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Be licensed by regional authorities

• Restrict ads to viewers aged 18 years and older

Examples of what may be allowed:

• Credit cards

• Fintech

• Loans

• Securities

Examples of what is not allowed:

• Bail bonds

• Debt assistance programs

• Debt consolidation services

• Get-rich-quick schemes

• Multi-level marketing

• Multi-level marketing schemes

• Penny auctions

• Pyramid schemes

• Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum, as well as cryptocurrency trading platforms and advisory services

Argentina, Chile, Colombia, Ecuador, Mexico, Peru, Uruguay

Ads for financial services and products may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• Comply with disclosure requirements, including disclaimers

• Restrict ads to viewers aged 18 years and older

Examples of what may be allowed:

• Bank accounts, debit and credit cards

• Bureau de Change

• Insurance services

• Investment consultation or advice

• Loans, such as mortgage, consumer finance, peer-to-peer (P2P) and buy now, pay later (BNPL) loans

• Third-party payment services

• Trading platforms

Ads for cryptocurrencies and non-fungible tokens (NFTs) may be allowed if the following requirement is met:

• Work with a TikTok Sales Representative

Examples of what is not allowed:

• Bail bonds services

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

• Credit repair services

• Foreign exchange (FX) services

• Get-rich-quick schemes

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

• Initial coin offerings

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

• Payday loans

• Pawnbroker loans

• Penny auctions

• Precious metals

• Pyramid schemes

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

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

Australia

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with local laws and regulations

• Comply with disclosure requirements, including disclaimers

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

• Restrict ads to viewers aged 18 years and older

Examples of what may be allowed:

• Buy now, pay later (BNPL) services

• Credit cards

• Investment services

• Loans

Ads for cryptocurrency exchange services may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• Work with a TikTok Sales Representative to obtain permission via an application process

• Restrict ads to viewers aged 18 years and older

Examples of what is not allowed:

• Bail bonds

• Binary options

• Get-rich-quick schemes

• Initial coin offerings

• Multi-level marketing

• Pay on-demand services

• Pay slip advances

• Payday loans

• Penny auctions

• Pyramid schemes

• Token sales

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

• Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum; cryptocurrency credit or debit cards; wallets; advisory services; non-fungible token (NFT) trading or investments

• Wage advance services

Austria

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Comply with disclosure requirements, including disclaimers

• Be licensed by local and regional authorities

• Restrict ads to viewers aged 18 years and older

Examples of what may be allowed:

• Credit cards

• Buy now, pay later (BNPL) services

• Investment services

• Loans

Ads for loans and credit cards may be allowed if the following requirements are met:

• Be licensed by the appropriate authorities

• Comply with necessary disclosure requirements

• Clearly disclose interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples on landing pages.

Ads for cryptocurrency exchange services and custodial wallets may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• Work with a TikTok Sales Representative to obtain permission via an application process

• Restrict ads to viewers aged 18 years and older

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services and refinancing

• Get-rich-quick schemes

• High-risk investment products, such as forex trading, binary options

• Multi-level marketing (MLM)

• Non-fungible token (NFT) trading or investments

• Peer-to-peer (P2P) lending

• Penny auctions

• Pyramid schemes

• Virtual currencies, such as Bitcoin and Ethereum

• Wallets

Azerbaijan

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Be licensed by regional authorities

• Restrict ads to viewers aged 18 years and older

Examples of what is not allowed:

• Cryptocurrencies

• Get-rich-quick schemes

• Payday loans

• Peer-to-peer (P2P) loans

• Pyramid schemes

Bahrain

Ads for financial services and products may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• Restrict ads to viewers aged 18 years and older

Examples of what may be allowed:

• Credit cards

• Cryptocurrency trading platforms

• Loans

• Securities

• Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum

Examples of what is not allowed:

• Bail bonds

• Credit repair services

• Debt consolidation services

• Get-rich-quick schemes

• Loan sharks

• Multi-level marketing schemes (MLM)

• Peer-to-peer (P2P)

• Penny auctions

• Pyramid schemes

Bangladesh, Oman, Qatar, Saudi Arabia, South Africa, United Arab Emirates

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Be licensed by local and regional authorities

• Restrict ads to viewers aged 18 years and older

Examples of what may be allowed:

• Credit cards

• Fintech

• Loans

• Securities

• Most financial services

Ads for virtual currencies or cryptocurrencies, such as Bitcoin or Ethereum, and cryptocurrency trading platforms may be allowed if the following requirements are met:

• Obtain a trade license that permits you to conduct financial virtual business

• Restrict ads to viewers aged 18 years and older

Examples of what is not allowed:

• Bail bonds

• Credit repair services

• Debt consolidation services

• Get-rich-quick schemes

• Multi-level marketing schemes

• Peer-to-peer (P2P) services

• Penny auctions

• Pyramid schemes

Belarus

Ads for financial services and products may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• Restrict ads to viewers aged 18 years and older

Examples of what may be allowed:

• Banking

• Insurance services

Examples of what is not allowed:

• Binary options

• Cryptocurrencies

• Debt consolidation services

• Get-rich-quick schemes

• Payday loans

• Peer-to-peer (P2P) loans

• Pyramid schemes

Belgium

Ads for financial services and products may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• Restrict ads to viewers aged 18 years and older

Examples of what may be allowed:

• Banking

• Insurance services

Examples of what is not allowed:

• Binary options

• Cryptocurrencies

• Debt consolidation services

• Get-rich-quick schemes

• Payday loans

• Peer-to-peer (P2P) loans

• Pyramid schemes

Bolivia

Ads for financial services and products may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• Comply with disclosure requirements, including disclaimers

• Restrict ads to viewers aged 18 years or older

Examples of what may be allowed:

• Bank accounts, debit and credit cards

• Insurance services

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

• Third-party payment services

• Trading platforms

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 arbitrage

• Credit repair services

• Cryptocurrencies or other types of virtual currencies

• Foreign exchange (FX) services

• Get-rich-quick schemes

• High APR Loans (loans with an annual percentage rate of 50% or higher)

• Investment consultation or advice

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

• Non-fungible tokens (NFTs)

• Pawnbroker loans

• Precious metals

• Pyramid schemes

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

Brazil

Ads for financial services and products may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• Comply with disclosure requirements, including disclaimers

• Restrict ads to viewers aged 18 years or older

Examples of what may be allowed:

• Bank accounts, debit and credit cards

• Bureau de Change

• Insurance services

• Investment consultation or advice

• Loans, such as mortgage, consumer finance and peer-to-peer (P2P) loans

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

• Prepurchase financing pool (also known as "Consórcio")

• Third-party payment services

• Trading platforms

Ads for cryptocurrencies and non-fungible tokens (NFTs) may be allowed if the following requirement is met:

• Work with a TikTok Sales Representative

Examples of what is not allowed:

• Bail bonds services

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

• Credit repair services

• Foreign exchange (FX) services

• Get-rich-quick schemes

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

• Initial coin offerings

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

• Payday loans

• Pawnbroker loans

• Penny auctions

• Precious metals

• Pyramid schemes

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

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

Bulgaria

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Comply with disclosure requirements, including disclaimers

• Be licensed by local and regional authorities

• Restrict ads to viewers aged 18 years and older

Examples of what may be allowed:

• Credit cards

• Buy now, pay later (BNPL) services

• Investment services

• Loans

Ads for loans and credit cards may be allowed if the following requirements are met:

• Be licensed by the appropriate authorities

• Comply with necessary disclosure requirements

• Clearly disclose interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Binary options

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services and refinancing

• Get-rich-quick schemes

• High-risk investment products, such as forex trading and binary options

• Land banking

• Multi-level marketing (MLM)

• Non-custodial wallets

• Non-fungible token (NFT) trading or investments

• Peer-to-peer (P2P) lending

• Penny auctions

• Pyramid schemes

• Virtual currencies, such as Bitcoin and Ethereum

Cambodia

Ads for financial services and products are allowed with no restrictions.

Canada, United States of America

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Comply with disclosure requirements, including disclaimers, disclosure and evidence of appropriate regulator and third-party accreditations or certifications may be required

• Be licensed by local and regional authorities

• Restrict ads to viewers aged 18 years and older

Examples of what may be allowed:

• Cryptocurrencies

• The exchange, management, or investment of funds, such as fiat or virtual

• Loans

• Non-fungible tokens (NFTs)*

• Virtual currencies

*Do not imply that NFTs are a form of investment or that they can be traded in the market

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 repair services

• Cryptocurrency ATMs

• Cryptocurrency mining devices

• Debt relief programs

• Get-rich-quick schemes

• Initial coin offerings (ICOs)

• Payday loans

• Pawnbroker loans

• Peer-to-peer (P2P)

• Peer-to-peer (P2P) money management

• Penny auctions

• Precious metals trading

• Pyramid schemes

• Single securities

• Unaccredited digital banks mimicking traditional bank functions

Costa Rica

Ads for financial services and products may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• Comply with disclosure requirements, including disclaimers

• The ad must be restricted to audiences aged 18 years or older

Examples of what may be allowed:

• Bank accounts, debit and credit cards

• Bureau de Change

• Insurance services

• Investment consultation or advice

• Loans, such as mortgage, consumer finance and peer-to-peer (P2P) loans

• Third-party payment services

• Trading platforms

Examples of what is not allowed:

• Bail bonds services

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

• Credit repair services

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

• Foreign exchange (FX) services

• Get-rich-quick schemes

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

• Initial coin offerings

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

• Payday loans

• Pawnbroker loans

• Penny auctions

• Precious metals

• Pyramid schemes

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

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

Croatia, Estonia, Latvia, Serbia, Slovakia, Slovenia

Ads for financial services and products may be allowed if the following requirement is met:

• The ad must be restricted to audiences aged 18 years and older.

Examples of what may be allowed:

• Buy now, pay later (BNPL) services

• Credit cards

• Investment services

• Loans

Ads for products such as loans and credit cards may be allowed if the following requirement is met:

• Be licensed by the appropriate authorities.

• Comply with relevant local laws and regulations.

• Clearly disclose interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples on landing pages.

Ads for cryptocurrency exchanges and custodial wallets may be allowed if the following requirement is met:

• Work with a TikTok Sales Representative to obtain permission via an application process

Ads for foreign exchange trading may be allowed if the following requirement is met:

• Be licensed by local and regional authorities.

• The ad must be restricted to audiences aged 18 years and older.

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Credit repair services

• Cryptocurrency trading platforms

• Debt assistance programs

• Debt consolidation services and refinancing

• Get-rich-quick schemes

• High-risk investment products, such as binary options, and land banking

• Multi-level marketing

• Non-custodial wallets

• Non-fungible token (NFT) trading or investments

• Peer-to-peer (P2P) lending

• Penny auctions

• Pyramid schemes

• Virtual currencies, such as Bitcoin and Ethereum

Cyprus

Ads for financial services and products may be allowed if the following requirement is met:

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Credit cards

• Buy now, pay later (BNPL) services

• Investment services

• Loans

Ads for loans and credit cards may be allowed if the following requirements are met:

• Be licensed by the appropriate authorities

• Comply with necessary disclosure requirements

• Clearly disclose interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples.

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Binary options

• Credit repair services

• Cryptocurrency trading platforms

• Custodial wallets

• Debt consolidation services and refinancing

• Get-rich-quick schemes

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

• Multi-level marketing (MLM)

• Non-fungible token (NFT) trading or investments

• Peer-to-peer (P2P) lending

• Penny auctions

• Pyramid schemes

• Virtual currencies, such as Bitcoin and Ethereum

Czech Republic

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Comply with disclosure requirements, including disclaimers

• Be licensed by local and regional authorities

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Buy now, pay later (BNPL) services

• Credit cards

• Investment services

• Loans

Ads for cryptocurrency exchanges and custodial wallets may be allowed if the following requirements are met:

• Work with a TikTok Sales Representative

• Obtain our permission via an application process

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services and refinancing

• Get-rich-quick schemes

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

• Multi-level marketing

• Non-fungible token (NFT) trading or investments

• Peer-to-peer (P2P) lending

• Penny auctions

• Pyramid schemes

• Virtual currencies, such as Bitcoin and Ethereum

• Wallets

Denmark

Ads for financial services and products may be allowed if the following requirement is met:

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Buy now, pay later (BNPL) services

• Credit cards

• Investment services

• Loans

Ads for loans and credit cards may be allowed if the following requirements are met:

• Be licensed by the appropriate authorities

• Comply with local laws and regulations

• Comply with necessary disclosure requirements

• Clearly disclose interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples.

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Binary options

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services and refinancing

• Get-rich-quick schemes

• High-risk investment products such as forex trading and binary options

• Multi-level marketing

• Non-fungible token (NFT) trading or investments

• Peer-to-peer (P2P) lending

• Penny auctions

• Pyramid schemes

• Virtual currencies, such as Bitcoin and Ethereum

• Wallets

Dominican Republic, Guatemala, Panama

Ads for financial services and products may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• Comply with disclosure requirements, including disclaimers

• The ad must be restricted to audiences aged 18 years or older

Examples of what may be allowed:

• Bank accounts, debit and credit cards

• Bureau de Change

• Insurance services

• Investment consultation or advice

• Loans, such as mortgage and consumer finance loans

• Third-party payment services

• Trading platforms

Examples of what is not allowed:

• Bail bond services

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

• Credit repair services

• Digital currencies and other digital assets, including non-fungible tokens (NFTs)

• Foreign exchange (FX) services

• Get-rich-quick schemes

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

• Initial coin offerings

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

• Payday loans

• Pawnbroker loans

• Peer-to-peer (P2P) loans

• Penny auctions

• Precious metals

• Pyramid schemes

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

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

Egypt, Iraq

Ads for financial services and products may be allowed if the following requirements are met:

• The ad must be restricted to audiences aged 18 years and older

• Comply with relevant laws and regulations

• Be licensed by local and regional authorities

Examples of what may be allowed:

• Credit cards

• Fintech

• Loans

• Securities

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services

• Get-rich-quick schemes

• Loan sharks

• Multi-level marketing schemes

• Peer-to-peer (P2P) services

• Penny auctions

• Pyramid schemes

• Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum

Finland, France, Germany, Greece, Hungary, Ireland

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Comply with disclosure requirements, including disclaimers

• Be licensed by local and regional authorities

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Buy now, pay later (BNPL) services

• Credit cards

• Investment services

• Loans

Ads for cryptocurrency exchanges and custodial wallets may be allowed if the following requirements are met:

• Work with a TikTok Sales Representative

• Obtain our permission via an application process

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services and refinancing

• Get-rich-quick schemes

• High-risk investment products, such as forex trading and binary options

• Multi-level marketing

• Non-fungible token (NFT) trading or investments

• Peer-to-peer (P2P) lending

• Penny auctions

• Pyramid schemes

• Virtual currencies, such as Bitcoin and Ethereum

• Wallets

Indonesia

Ads for consumer banking and credit products and services may be allowed if you are registered with one of the following:

• Bank Indonesia (BI)

• Financial Services Authority, such as Otoritas Jasa Keuangan OJK

Examples of what may be allowed:

• Deposit accounts

• Debit cards

• Retail banking services

• Credit cards

• Lending services

Israel

Ads for financial services and products may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• Comply with local laws and regulations

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Credit cards

• Buy now, pay later (BNPL) services

• Investment services

• Loans

Ads for loans and credit cards may be allowed if the following requirements are met:

• Be licensed by the appropriate authorities

• Comply with necessary disclosure requirements

• Clearly disclose interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples.

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services and refinancing

• Get-rich-quick schemes

• High-risk investment products, such as forex trading, binary options

• Multi-level marketing (MLM)

• Non-fungible token (NFT) trading or investments

• Peer-to-peer (P2P) lending

• Penny auctions

• Pyramid schemes

• Virtual currencies, such as Bitcoin, Ethereum

• Wallets

Italy

Ads for financial services and products may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• Comply with local laws and regulations

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Buy now, pay later (BNPL) services

• Credit cards

• Investment services

• Loans

Ads for cryptocurrency exchanges and custodial wallets may be allowed if the following requirement is met:

• Work with a TikTok Sales Representative

• Obtain our permission via an application process

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services and refinancing

• Get-rich-quick schemes

• High-risk investment products, such as forex trading and binary options

• Multi-level marketing

• Non-fungible token (NFT) trading or investments

• Peer-to-peer (P2P) lending

• Penny auctions

• Pyramid schemes

• Virtual currencies, such as Bitcoin and Ethereum

• Wallets

Japan

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Be licensed by local and regional authorities

• The ad must be restricted to audiences aged 20 years and older

Examples of what may be allowed:

• Credit cards

• Fintech

• Funds

• Insurance

• Loans

Ads for cryptocurrencies or virtual currencies, including trading and advisory platforms, may be allowed if the following requirements are met:

• The ad must be restricted to audiences aged 20 years and older

• Be authorized by the Japanese FSA (Financial Services Agency)

• Work with a TikTok Sales Representative

Ads for non-fungible tokens (NFTs) may be allowed if the following requirements are met:

• The ad must be restricted to audiences aged 18* years and older

• Obtain our permission via an application process

• Financial trade ads must be restricted to audiences aged 20 years and older

Examples of what is not allowed:

• Credit card cash out services

• Financial services provided by overseas institutions to the Japan market

• Payroll prepayment (factoring) services

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

• Domestic financial products and services such as:

  • 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

Jordan

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Be licensed by local and regional authorities

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Credit cards

• Fintech

• Loans

• Securities

• Most financial services

Ads for virtual currencies or cryptocurrencies, such as Bitcoin or Ethureum, and cryptocurrency trading platforms may be allowed if the following requirements are met:

• Obtain a trade license that permits you to conduct financial virtual business

• The ad must be restricted to audiences aged 18 years and older

Examples of what is not allowed:

• Bail bonds

• Credit repair services

• Debt consolidation services

• Get-rich-quick schemes

• Loan sharks

• Multi-level marketing schemes

• Peer-to-peer (P2P) services

• Penny auctions

• Pyramid schemes

Kazakhstan

Ads for financial services and products may be allowed if the following requirements are met:

• The ad must be restricted to audiences aged 18 years and older

• Comply with relevant laws and regulations

• Be licensed by local and regional authorities

Examples of what may be allowed:

• Banking

• Insurance services

Ads for banking services may be allowed if the following requirement is met:

• Be registered at The Agency of the Republic of Kazakhstan for Regulation and Development of Financial Market

Ads for banking (AO) and other operations and activities in the securities market may be allowed if the following requirement is met:

• Obtain license

Ads for cryptocurrencies may be allowed if the following requirements are met (subject to change):

• The ad must be restricted to audiences aged 18 years and older

• Comply with all applicable laws and regulations

• Obtain required certificates

• Work with a TikTok Sales Representative

Kuwait, Lebanon

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Be licensed by local and regional authorities

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Credit cards

• Fintech

• Loans

• Securities

• Most financial services

Ads for virtual currencies or cryptocurrencies, such as Bitcoin or Ethereum, and cryptocurrency trading platforms may be allowed if the following requirements are met:

• Obtain a trade license that permits you to conduct a financial virtual business

• The ad must be restricted to audiences aged 18 years and older

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services

• Get-rich-quick schemes

• Loan sharks

• Multi-level marketing schemes

• Peer-to-peer (P2P) services

• Penny auctions

• Pyramid schemes

• Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum

Lithuania

Ads for financial services and products may be allowed if the following requirement is met:

• The ad must be restricted to audiences aged 18 years and older.

Examples of what may be allowed:

• Buy now, pay later (BNPL) services

• Cashback services

• Credit cards

• Coupon or voucher services

• Investment services

• Loans

Ads for products such as loans and credit cards may be allowed if the following requirements are met:

• Be licensed by the appropriate authorities

• Comply with relevant local laws and regulations

• Clearly disclose interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples on landing pages

Ads for cryptocurrency exchanges and custodial wallets may be allowed if the following requirements are met:

• Obtain permission through our application process

• You must be managed by our TikTok Sales team

Ads for foreign exchange trading may be allowed if the following requirements are met:

• Be licensed by local and regional authorities.

• The ad must be restricted to audiences aged 18 years and older.

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Credit repair services

• Cryptocurrency trading platforms

• Debt assistance programs

• Debt consolidation services and refinancing

• Get-rich-quick schemes

• High-risk investment products, such as binary options, and land banking

• Multi-level marketing

• Non-custodial wallets

• Non-fungible token (NFT) trading or investments

• Peer-to-peer (P2P) lending

• Penny auctions

• Pyramid schemes

• Virtual currencies, such as Bitcoin and Ethereum

Luxembourg

Ads for financial services and products may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• Comply with local laws and regulations

• Comply with disclosure requirements, including disclaimers

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Buy now, pay later (BNPL) services

• Credit cards

• Investment services

• Loans

Ads for cryptocurrency exchanges and custodial wallets may be allowed if the following requirements are met:

• Work with a TikTok Sales Representative

• Obtain our permission via an application process

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services and refinancing

• Get-rich-quick schemes

• High-risk investment products, such as forex trading and binary options

• Multi-level marketing

• Non-fungible token (NFT) trading or investments

• Peer-to-peer (P2P) lending

• Penny auctions

• Pyramid schemes

• Virtual currencies, such as Bitcoin and Ethereum

• Wallets

Malaysia

Ads for consumer banking and credit products and services may be allowed if you are registered with one of the following:

• Central Bank of Malaysia (CBM)

• The Securities Commission of Malaysia (SC)

Examples of what may be allowed:

• Deposit accounts

• Debit cards

• Retail banking services

• Credit cards

• Lending services

Ads for investment services may be allowed if you are registered with one of the following:

• Central Bank of Malaysia (CBM)

• The Securities Commission of Malaysia (SC)

• A financial regulator in another market

Examples of what may be allowed:

• Investment brokerage

• Trading platforms and exchanges

• Investment professionals

• Other financial intermediary services not listed

Morocco

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Be licensed by local and regional authorities

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Credit cards

• Fintech

• Loans

• Securities

• Most financial services

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services

• Get-rich-quick schemes

• Loan sharks

• Multi-level marketing schemes

• Peer-to-peer (P2P) services

• Penny auctions

• Pyramid schemes

• Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum

Netherlands, Norway

Ads for financial services and products may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Buy now, pay later (BNPL) services

• Credit cards

• Investment services

• Loans

Ads for cryptocurrency exchanges and custodial wallets may be allowed if the following requirements are met:

• Work with a TikTok Sales Representative

• Obtain our permission via an application process

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Binary options

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services and refinancing

• Get-rich-quick schemes

• High-risk investment products, such as forex trading

• Multi-level marketing

• Non-fungible token (NFT) trading or investments

• Peer-to-peer (P2P) lending

• Penny auctions

• Pyramid schemes

• Virtual currencies, such as Bitcoin and Ethereum

• Wallets

New Zealand

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with local laws and regulations

• Comply with disclosure requirements, including disclaimers

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

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Debit cards

• Credit cards

• Investment services

• Loans

Ads for cryptocurrency exchange services may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• Work with a TikTok Sales Representative to obtain permission via an application process

• The ad must be restricted to audiences aged 18 years and older

Examples of what is not allowed:

• Bail bonds

• Binary options

• Get-rich-quick schemes

• Initial coin offerings

• Multi-level marketing

• Pay on-demand services

• Pay slip advances

• Payday loans

• Penny auctions

• Pyramid schemes

• Token sales

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

• Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum; cryptocurrency credit or debit cards; wallets; advisory services; non-fungible token (NFT) trading or investments

• Wage advance services

Nigeria

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Be licensed by regional authorities

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Credit cards

• Fintech

• Loans

• Securities

Examples of what is not allowed:

• Bail bonds

• Debt assistance programs

• Debt consolidation services

• Get-rich-quick schemes

• Multi-level marketing

• Multi-level marketing schemes

• Penny auctions

• Pyramid schemes

Pakistan

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Comply with disclosure requirements, including disclaimers

• Be licensed by local and regional authorities

• The ad must be restricted to users aged 18 years and older

Examples of what may be allowed:

• Credit cards

• Fintech

• Loans

• Securities

Ads for virtual currencies or cryptocurrencies may be allowed if the following requirements are met:

• Obtain a trade license that permits you to conduct financial virtual business

• The ad must be restricted to users aged 18 years and older

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services

• Get-rich-quick schemes

• Loan sharks

• Multi-level marketing

• Peer-to-peer (P2P) services

• Penny auctions

• Pyramid schemes

• Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum

Paraguay

Ads for financial services and products may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• Comply with disclosure requirements, including disclaimers

• The ad must be restricted to audiences aged 18 years or older

Examples of what may be allowed:

• Bank accounts, debit and credit cards

• Insurance services

• Loans, such as housing loans

• Third-party payment services

• Trading platforms

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 arbitrage

• Credit repair services

• Cryptocurrencies or other types of virtual currencies

• Foreign exchange (FX) services

• Get-rich-quick schemes

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

• Investment consultation or advice

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

• Non-fungible tokens (NFTs)

• Pawnbroker loans

• Peer-to-peer (P2P) loans

• Precious metals

• Pyramid schemes

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

Philippines

Ads for consumer banking and credit products and services may be allowed if you are registered with:

• Bangko Sentral ng Pilipinas (BSP)

Examples of what may be allowed:

• Deposit accounts

• Debit cards

• Retail banking services

• Credit cards

• Lending services

Ads for investment services may be allowed if you are registered with one of the following:

• Bangko Sentral ng Pilipinas (BSP)

• A financial regulator in another market

Examples of what may be allowed:

• Investment brokerage

• Trading platforms and exchanges

• Investment professionals

• Other financial intermediary services not listed

Poland

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Comply with disclosure requirements, including disclaimers

• Be licensed by local and regional authorities

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Buy now, pay later (BNPL) services

• Credit cards

• Investment services

• Loans

Ads for cryptocurrency exchanges and custodial wallets may be allowed if the following requirements are met:

• Work with a TikTok Sales Representative

• Obtain our permission via an application process

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services and refinancing

• Get-rich-quick schemes

• High-risk investment products, such as forex trading and binary options

• Multi-level marketing

• Non-fungible token (NFT) trading or investments

• Peer-to-peer (P2P) lending

• Penny auctions

• Pyramid schemes

• Virtual currencies, such as Bitcoin and Ethereum

• Wallets

Portugal, Romania

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Comply with disclosure requirements, including disclaimers

• Be licensed by local and regional authorities

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Buy now, pay later (BNPL) services

• Credit cards

• Investment services

• Loans

Ads for cryptocurrency exchanges and custodial wallets may be allowed if the following requirements are met:

• Work with a TikTok Sales Representative

• Obtain our permission via an application process

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Binary options

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services and refinancing

• Get-rich-quick schemes

• High-risk investment products, such as forex trading

• Multi-level marketing

• Non-fungible token (NFT) trading or investments

• Peer-to-peer (P2P) lending

• Penny auctions

• Pyramid schemes

• Virtual currencies, such as Bitcoin and Ethereum

• Wallets

Singapore

Ads for consumer banking and credit products and services may be allowed if you are registered with:

• Monetary Authority of Singapore (MAS)

Examples of what may be allowed:

• Deposit accounts

• Debit cards

• Retail banking services

• Credit cards

• Lending services

Ads for investment services may be allowed if you are registered with one of the following:

• Monetary Authority of Singapore (MAS)

• A financial regulator in another market

Examples of what may be allowed:

• Investment brokerage

• Trading platforms and exchanges

• Investment professionals

• Other financial intermediary services not listed

South Korea

Ads for financial services and products may be allowed if the following requirements are met:

• Obtain approval from local authorities or supervision agencies

• Contact your local TikTok Sales Representative for more information

Examples of what may be allowed:

• Credit cards

• E-payment tools

• Insurance

• Loans

• Stock-related services

• Stock investment consultation services

Ads for cryptocurrency exchange platforms may be allowed if the following requirement is met:

• Obtain approval from local authorities or supervision agencies

Ads for non-fungible tokens (NFTs) may be allowed if the following requirement is met:

• Work with a TikTok Sales Representative to obtain permission via an application process

Ads for peer-to-peer (P2P) investment and related content may be allowed if the following requirements are met:

• Disclose the highest annual rate within the ad

• The ad must be restricted to audiences aged 18 years and older

• Obtain a registration number

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

Spain, Sweden, Switzerland

Ads for financial services and products may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• Clearly disclose interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples on landing pages

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Buy now, pay later (BNPL) services

• Credit cards

• Investment services

• Loans

Ads for cryptocurrency exchanges and custodial wallets may be allowed if the following requirements are met:

• Work with a TikTok Sales Representative

• Obtain our permission via an application process

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Binary options

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services and refinancing

• Get-rich-quick schemes

• High-risk investment products, such as forex trading

• Multi-level marketing

• Non-fungible token (NFT) trading or investments

• Peer-to-peer (P2P) lending

• Penny auctions

• Pyramid schemes

• Virtual currencies, such as Bitcoin and Ethereum

• Wallets

Taiwan

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Obtain approval from local authorities

• Contact your local TikTok Sales Representative for more information

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Credit cards

• Insurance

• Loans

• Public funding

Ads for cryptocurrencies and non-fungible tokens (NFTs) may be allowed if the following requirements are met (subject to change):

• Work with a TikTok Sales Representative

• Comply with all applicable laws and regulations

• The ad must be restricted to audiences aged 18 years and older

Examples of what is not allowed:

• Loan sharks

• Private fund-related products or services

Thailand

Ads for consumer banking and credit products and services may be allowed if you are registered with one of the following:

• Bank of Thailand (BOT)

• Securities and Exchange Commission, Thailand

• Office Of Insurance Commission (OIC)

Examples of what may be allowed:

• Deposit accounts

• Debit cards

• Retail banking services

• Credit cards

• Lending services

Ads for investment services may be allowed if you are registered with one of the following:

• Bank of Thailand (BOT)

• Securities and Exchange Commission, Thailand

• Office Of Insurance Commission (OIC)

• A financial regulator in another market

Examples of what may be allowed:

• Investment brokerage

• Trading platforms and exchanges

• Investment professionals

• Other financial intermediary services not listed

Turkey

Ads for financial services and products may be allowed if the following requirements are met:

• Comply with relevant laws and regulations

• Be licensed by regional authorities

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Credit cards

• Fintech

• Loans

• Securities

Ads for virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum, and cryptocurrency trading platforms may be allowed if the following requirement is met:

• The ad must be restricted to audiences aged 18 years and older

Examples of what is not allowed:

• Bail bonds

• Credit repair services

• Debt consolidation services

• Get-rich-quick schemes

• Loan sharks

• Multi-level marketing schemes

• Peer-to-peer (P2P) services

• Penny auctions

• Pyramid schemes

Ukraine

Ads for financial services and products may be allowed if the following requirements are met:

• Restricted to audiences aged 18 years and older

• Comply with relevant laws and regulations

• Be licensed by regional authorities

Examples of what is not allowed:

• Debt consolidation services

• Binary options

• Peer-to-peer (P2P) loans

• Payday loans

• Cryptocurrencies

• Pyramid schemes

United Kingdom

Ads for financial services and products may be allowed if the following requirements are met:

• Be licensed by local and regional authorities

• The ad must be restricted to audiences aged 18 years and older

Examples of what may be allowed:

• Buy now, pay later (BNPL) services

• Credit cards

• Investment services

• Loans

Ads for loans and credit cards may be allowed if the following requirements are met:

• Be licensed by the appropriate authorities

• Comply with necessary disclosure requirements

• Clearly disclose interest rates, annual percentage rates, transaction fees, disclaimers, repayment periods, and representative examples

Ads for cryptocurrency exchanges and custodial wallets may be allowed if the following requirement is met:

• Work with a TikTok Sales Representative

• Obtain our permission via an application process

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Binary options

• Credit repair services

• Cryptocurrency trading platforms

• Debt consolidation services and refinancing

• Get-rich-quick schemes

• High-risk investment products, such as forex trading

• Multi-level marketing

• Non-fungible token (NFT) trading or investments

• Peer-to-peer (P2P) lending

• Penny auctions

• Pyramid schemes

• Virtual currencies, such as Bitcoin and Ethereum

• Wallets

Vietnam

Ads for consumer banking and credit products and services may be allowed if you are registered with one of the following:

• State Bank of Vietnam (SBV)

• State Securities Commission (SSC)

• Ministry of Finance (MOF)

Examples of what may be allowed:

• Deposit accounts

• Debit cards

• Retail banking services

• Credit cards

• Lending services

Ads for investment services may be allowed if you are registered with one of the following:

• State Bank of Vietnam (SBV)

• State Securities Commission (SSC)

• Ministry of Finance (MOF)

• A financial regulator in another market

Examples of what may be allowed:

• Investment brokerage

• Trading platforms and exchanges

• Investment professionals

• Other financial intermediary services not listed

Promote on TikTok

In the following markets, Promote is the only form of paid ads that is allowed:

Albania, Brunei, El Salvador, Ethiopia, Honduras, Kyrgyzstan, Laos, Libya, Mali, Mauritius, Monaco, Myanmar, Nicaragua, Senegal, Tanzania, Uganda

Ads for financial services and products are not allowed.

Examples of what is not allowed:

• Advisory services

• Bail bonds

• Buy now, pay later (BNPL) services

• Cash or paycheck advance

• Credit cards

• Credit repair

• Cryptocurrency credit or debit cards

• Debt assistance programs

• Foreign exchange

• Get-rich-quick schemes

• Initial coin offerings

• Investment services

• Lending and management of money assets

• Loans

• Multi-level marketing

• Non-fungible token (NFT) trading or investments

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

• Other tradable financial assets

• Payday loans

• Penny auctions

• Pyramid schemes

• Single securities

• Token sales

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

• Virtual currencies or cryptocurrencies, such as Bitcoin and Ethereum