Taiwan Financial Vertical

1. MGID Taiwan: Financial Compliance Policy

3. Specific Vertical Guidelines (Taiwan 2026)

4. Prohibited Content (All Financial Products)

5. Compliance Checklist for MGID Submission

1. MGID Taiwan: Financial Compliance Policy

As of 2026, MGID requires all financial advertisers in Taiwan to undergo a "Manual Compliance Review" and provide a valid G2 Financial Services Verification or equivalent local licensing documentation.

1.1. Licensing & Verification

Mandatory License: All advertisers promoting banking, credit, investment, or insurance products must provide their FSC Business License Number.
Entity Matching: The brand name in the ad and on the landing page must exactly match the name on the financial license.
Third-Party Prohibitions: Agencies promoting financial products for a client must provide a "Letter of Authorization" from the licensed entity.
G2 Financial Services Verification: Financial advertisers targeting Taiwan must obtain verification demonstrating they are licensed to provide financial services and/or have valid regulatory authority.
- Third-parties and non-financial entities targeting financial consumers may require G2 Financial Services verification.
- Financial services advertisers that are exempt from or not required to be licensed by the relevant financial services regulator may be required to be verified.
- Government entities with .gov.tw domains are exempt from G2 Financial Services verification.

1.2. Technical & Landing Page Requirements

Transparency: Interest rates (APR), fees, and repayment terms must be clearly visible (no hidden "mouse print").
Contact Info: A physical office address in Taiwan and a customer service hotline must be listed in the footer.
Data Privacy: Landing pages must have a TLS/SSL certificate (HTTPS) and a clear Privacy Policy regarding how financial data is collected.

1.3. Ad Text & Imagery Standards

Truthful: Ads must be truthful, not misleading, and not omit material risk information.
Mandatory Risk Warnings: Native ad "Teasers" (Headlines) do not require warnings, but the Landing Page must display a standardized warning: "Investment involves risk. Past performance does not guarantee future results."
No "Get Rich Quick": Claims of "guaranteed returns," "secret loopholes," or "becoming a millionaire in 30 days" are strictly prohibited and result in an immediate account ban.

2. The "Do’s and Don’ts"

Native advertising thrives on "curiosity," but in the financial vertical, it must be balanced with "credibility."

Financial Headlines (The "Teaser")

✅ DO	❌ DON'T
Focus on utility: "Compare 2026's Top Rated Savings Accounts in Taiwan."	Use fake urgency: "Withdraw your money NOW before the banks close!"
Use localized macros: "New Loan Options Available for Residents in {City}."	Make absolute promises: "Earn a Guaranteed 20% Return Monthly With This App."
Be specific: "Apply for a Home Loan with APR as low as 2.1%."	Use "Secret" language: "The One Loophole Taiwan Banks Don't Want You To Know."

Thumbnail Images

✅ DO	❌ DON'T
Use high-quality, realistic images of people using financial apps.	Use "Money Rain," piles of cash, or luxury cars to imply wealth.
Use clean charts showing steady, realistic market trends.	Use "Red" or "Green" arrow icons that mimic system notifications.
Use professional, office-based settings that imply trust.	Use photos of celebrities (e.g., Terry Gou) without an endorsement contract.

3. Specific Vertical Guidelines (Taiwan 2026)

3.1. Loans (Consumer Lending)

Mandatory Requirements

Clearly disclose:
- Interest rate (APR or equivalent)
- Fees and total costs (processing, late fees)
- Repayment terms
No implication of guaranteed approval. If subject to approval, must state clearly along with eligibility conditions.
No targeting financially vulnerable users

✅ DO Examples

“Personal loans from 5.8% APR. Final rate depends on credit profile.”
“Loan up to NT$500,000. Terms and conditions apply.”

❌ DON’T Examples

“Guaranteed loan approval in 5 minutes!”
“0% interest loan” (if conditions apply but not disclosed)
“No credit check needed” (if not true or misleading)

3.2. Credit Cards

Mandatory Requirements

Disclose:
- Interest rates (especially revolving credit)
- Fees and penalties
Promotions must include key conditions
Eligibility restrictions (if applicable)

✅ DO Examples

“Earn 3% cashback on dining. Terms apply.”
“0% installment for 6 months on selected purchases.”

❌ DON’T Examples

“Unlimited cashback on everything” (without caps disclosure)
“Free credit forever” (if fees exist)
Hiding late fees or penalty rates

3.3. Investment Products

Mandatory Requirements

Include risk warnings
Ensure balanced messaging (risk + return)
No guarantees of returns
Suitability principles must not be undermined

Required Risk Disclaimer (example)

“Investment involves risk. Past performance is not indicative of future results.”

✅ DO Examples

“Diversified ETF portfolio. Moderate risk. Learn more.”
“Projected returns are illustrative only and not guaranteed.”

❌ DON’T Examples

“Guaranteed profits from stock trading”
“Zero risk investment opportunity”
“Earn 20% monthly income safely”
“Insider tips for guaranteed wins”

3.4. Crypto & Virtual Assets (VASP) - Simplified Policy

Key Requirements

Advertisers must be registered/compliant VASPs or clearly disclose regulatory status
Mandatory risk disclosure: “Virtual assets are highly volatile and may result in loss of principal. They are not legal tender in Taiwan.”
Must comply with AML/KYC obligations

Prohibited Practices

Guaranteed returns or fixed income claims
“Safe”, “low-risk”, or misleading investment language
Promotion of unregistered tokens, ICOs, or anonymous projects
Pump-and-dump, hype-driven, or “get rich quick” messaging

Product Rules

Exchanges: disclose fees + trading risks
Wallets: no claims of guaranteed security
Staking/Yield: clearly state returns are not guaranteed

Examples:

✅ DO

“Trade crypto assets like BTC and ETH. Prices are volatile. Capital at risk.”
“Earn staking rewards. Returns are variable and not guaranteed.”

❌ DON’T

“Guaranteed 10% monthly profit with crypto”
“Risk-free passive income from staking”
“Safe and stable crypto investment”

4. Prohibited Content (All Financial Products)

Ads must NOT include:

Misleading or deceptive claims
Unrealistic or exaggerated returns
“Get rich quick” messaging
False urgency (“last chance to invest today or lose everything”)
Impersonation of government/banks
Use of fake testimonials or fabricated success stories
Promotion of:
- Binary options (if unregulated)
- Illegal forex/crypto schemes
- Pyramid or Ponzi schemes
Targeting students or financially inexperienced groups with aggressive messaging.

5. Compliance Checklist for MGID Submission

Before hitting "Submit" on your MGID campaign, ensure you have:

FSC License Number is ready for the compliance team.
HTTPS secured landing page.
Risk Disclosure at the bottom of the landing page.
No Clickbait that uses fake "System Alerts" or "Breaking News" templates.
Verified Domain that does not mimic a government or major bank URL.

6. Mandatory Risk Disclosure Templates

6.1. General Financial Services (Universal Use)

Placement: Footer of landing page (visible without excessive scrolling)

Template:

“This content is for informational purposes only and does not constitute financial advice. (Licensed Entity Name] is authorized and regulated by the Financial Supervisory Commission (Taiwan) under License No. [XXXX]. Terms and conditions apply. Please review all product details carefully before making any financial decisions.”

6.2. Loans (Consumer Lending)

Template:

“Loan approval is subject to credit assessment and eligibility criteria. Interest rates (APR), fees, and repayment terms vary based on individual circumstances. Failure to repay may result in additional charges and impact your credit rating.”

Optional Add-on (recommended):

“Borrow responsibly and ensure you can meet repayment obligations.”

6.3. Credit Cards

Template:

“Credit card approval is subject to eligibility and credit review. Interest rates, fees, and charges apply. Late payments may incur penalties and affect your credit score. Please refer to full terms and conditions.”

6.4. Investment Products

Template (Standard – REQUIRED):

“Investment involves risk. Past performance is not indicative of future results. The value of investments may fluctuate, and investors may lose part or all of their invested capital.”

Enhanced Version (recommended for stricter compliance):

“Investment involves risk. Past performance is not indicative of future results. The value of investments may rise or fall, and investors may lose part or all of their principal. Please carefully consider your investment objectives and risk tolerance. No returns are guaranteed.”

6.5. Crypto & Virtual Assets (VASP)

Template (REQUIRED):

“Virtual assets are highly volatile and may result in loss of principal. They are not legal tender in Taiwan and are not protected by deposit insurance or government guarantees.”

Optional Add-on:

“Users should fully understand the risks before trading or investing in virtual assets.”

7. Required Documentation Templates

7.1. Letter of Authorization (LOA)

(For agencies / affiliates promoting financial products)

Template:

[Company Letterhead]

Date: [DD/MM/YYYY]

To: MGID Compliance Team

We, [Licensed Entity Name], holder of FSC License Number [XXXXXXX], hereby authorize:

[Agency/Partner Name]

[Company Registration Number]

to promote and advertise our financial products/services in Taiwan.

This authorization includes:

- Use of brand name and marketing materials

- Lead generation and advertising activities

We confirm that all advertising materials will comply with Taiwan financial regulations, relevant regulations and MGID policies.

This authorization is valid from [Start Date] to [End Date].

Authorized Signatory:

Name: ____________________

Title: ____________________

Signature: ________________

Company Stamp (if applicable)

7.2. FSC License Declaration

Template:

Company Name: [Legal Entity Name]

FSC License Number: [XXXXXXX]

License Type: [Bank / Securities Firm / Investment Advisor / VASP / Other]

Hereby, we confirm that:

- The above entity is legally authorized to provide financial services in Taiwan

- All advertising materials will reflect accurate and licensed offerings

- Branding used in ads matches the licensed entity name

Authorized Representative:

Name: ____________________

Title: ____________________

Signature: ________________

Date: ____________________

7.3. G2 Financial Services Verification Statement

Template:

We confirm that [Company Name] has obtained G2 Financial Services Verification for advertising financial products in Taiwan.

Verification Scope:

Licensed financial services provider

Authorized intermediary

Exempt entity (details below)

Regulatory Status:

[Brief description of regulatory standing or exemption]

We undertake to notify MGID immediately if our verification status changes, expires, or is revoked.

We agree to maintain compliance with all applicable financial advertising regulations, relevant regulation and MGID policies.

Name: ____________________

Title: ____________________

Company: ________________

Date: ____________________

7.4. Data Privacy & PDPA Compliance Statement

Template:

We confirm that all user data collected via our landing pages:

Is collected with explicit user consent

Is used solely for stated purposes

Is protected in accordance with Taiwan Personal Data Protection Act (PDPA)

Is not shared with unauthorized third parties

Where personal data is transferred outside Taiwan, appropriate safeguards are implemented in compliance with applicable law.

Privacy Policy URL: [Insert Link]

Data Protection Contact:

Email: ____________________

Phone: ____________________

7.5. Landing Page Compliance Self-Declaration

Template:

We confirm that the landing page(s) used in this campaign:

Displays the full legal entity name and license number

Display accurate financial information (APR, fees, risks)

Include mandatory risk disclosures

Match the advertised product and claims

Clearly identify the licensed financial entity

Do not mimic news, government, or banking websites

Are secured with HTTPS (SSL)

Landing Page URL(s):

- ________________________

- ________________________

Authorized Representative:

Name: ____________________

Signature: ________________

Date: ____________________