Telegram Ad Policies and Guidelines

Charges & Financial Obligations · Restriction or exception

Deceptive or harmful financial offers are not allowed

Ads must not promote content, products or services associated with deceptive or harmful financial practices. Examples: payday loans, cash loans and predatory lending, including short-term loans; and get-rich-quick offers, pyramid schemes and multilevel marketing, including investment offers with guaranteed return and claims of insider investment tips.

Supporting quotations

Ads must not promote content, products, or services associated with deceptive or harmful financial practices.

Payday loans, cash loans, predatory lending, including short-term loans

Get-rich-quick offers, pyramid schemes, multilevel marketing, including offers of investment with guaranteed return, claims on providing insider tips on investments

Qualifications & exceptions

• Short-term loans are named inside the loan example.
• Multilevel marketing is listed as an example.
• The examples are non-exhaustive.

Not stated here

• The page does not define "deceptive or harmful financial practices" beyond these examples.

Cross-references

• narrowed by (model-proposed): Terms of purchase for paid products must be explicit and easy to understand — Section 5.7 pairs the ban on deceptive or harmful financial practices with a specific duty to state the terms of purchase of paid products explicitly.

Charges & Financial Obligations · Restriction or exception

Terms of purchase for paid products must be explicit and easy to understand

When an ad or its destination promotes a paid product, the terms of purchase must be explicit and easy to understand. Concealing or masking significant information about the paid product, such as fees, terms or payment deadlines, is listed as an example of a prohibited financial practice.

Supporting quotations

When ads or destinations promote a paid product, the terms of purchase must be explicit and easy to understand.

Concealing or masking significant information about the promoted paid product, such as fees, terms, payment deadlines.

Qualifications & exceptions

• The duty applies to both the ad and its destination.

Not stated here

• The page does not say which information beyond fees, terms and payment deadlines is "significant".

Cross-references

• narrows (model-proposed): Deceptive or harmful financial offers are not allowed — Section 5.7 pairs the ban on deceptive or harmful financial practices with a specific duty to state the terms of purchase of paid products explicitly.