Charges & Financial Obligations · Restriction or exception
Users may not generate content for frauds, scams, phishing or malware causing harm
Users may not generate content for fraudulent activities, schemes, scams, phishing, or malware that can result in direct financial or psychological harm. The harm qualifier attaches to the listed activities, and the prohibition is framed around generating content for them rather than around carrying them out.
Details
What it does
must not generate content for fraudulent activities, schemes, scams, phishing or malware
Generate content for fraudulent activities, schemes, scams, phishing, or malware that can result in direct financial or psychological harm
Qualifications & exceptions
The listed activities are qualified by “that can result in direct financial or psychological harm”.
Not stated here
The policy does not define “direct” financial or psychological harm.
Charges & Financial Obligations · Restriction or exception
Users may not run pyramid schemes or predatory short-term high-interest lending
Users may not engage in or facilitate multi-level marketing, pyramid schemes, or other deceptive business models that use high-pressure sales tactics or exploit participants. The same section prohibits promoting or facilitating payday loans, title loans, or other high-interest, short-term lending practices that exploit vulnerable individuals. The business-model limb reaches models that use high-pressure sales tactics or exploit participants, and the lending limb is limited to practices that exploit vulnerable individuals.
Details
What it does
must not run or facilitate pyramid schemes, deceptive high-pressure business models, or exploitative short-term lending
What it covers
pyramid and multi-level marketing schemes; payday, title and other high-interest short-term loans
Supporting quotations
Engage in or facilitate multi-level marketing, pyramid schemes, or other deceptive business models that use high-pressure sales tactics or exploit participants
Promote or facilitate payday loans, title loans, or other high-interest, short-term lending practices that exploit vulnerable individuals
Qualifications & exceptions
The business-model limb is limited to models that use high-pressure sales tactics or exploit participants.
The lending limb covers payday, title and other high-interest short-term lending that exploits vulnerable individuals.
Not stated here
The policy does not set an interest-rate threshold or define “vulnerable individuals”.
Charges & Financial Obligations · Restriction or exception
Users may not exploit people by age, disability or economic situation or harass debtors
Users may not engage in deceptive or abusive practices that exploit individuals based on age, disability or a specific social or economic situation. The same section prohibits promoting or facilitating abusive or harassing debt collection practices. The exploitation limb names the grounds on which it is prohibited; the debt-collection limb covers promotion and facilitation as well as direct practice.
Details
What it does
must not exploit individuals on named grounds or promote abusive debt collection
What it covers
individuals distinguished by age, disability or social or economic situation; debtors
Supporting quotations
Engage in deceptive or abusive practices that exploit individuals based on age, disability or a specific social or economic situation
Promote or facilitate the use of abusive or harassing debt collection practices
Qualifications & exceptions
The exploitation limb is framed around age, disability or a specific social or economic situation.
The debt-collection limb reaches promoting or facilitating abusive or harassing practices, not only performing them.
Not stated here
The policy does not define “abusive” debt collection by reference to any named statute.