Excluded States: CA, NY Nerdwallet Excluded States: CA, MI, NJ, NY, DC Preferred targeting: 7AM - 9PM EST (no weekends) Targeting criteria: - Ages 25-65 - Currently Insured, 2+ Vehicles - Homeowners, Good+ Credit - Urban and Suburban areas ----------- Publishers MUST adhere to the following in any marketing materials: ----------- ● Savings claims must be substantiated. ● Quotes start “as low as $29/month” ● The savings can't exceed $1,025 per year. So you could say I went from paying $114/mo to $29/mo since the difference is $1,025. ● All assets MUST be auto insurance focused ● ANY discounts need to be clearly defined and explained how to get the discounts. ● ENCOURAGED USE: Variety of customers, including homeowners, families, customers with multiple cars, single drivers, safe drivers ----------- Publishers MAY NOT use the following or similar in any marketing: ----------- ● No incentivized traffic ● MAY NOT show carrier logos or brands in any creatives WITHOUT PRIOR APPROVAL. ● MAY NOT Use other brands to describe Insurify - I.e.) “The WALMART of….” ● MAY NOT use disparaging/insulting language towards insurance companies Examples of what the advertiser considers disparaging: - PROHIBITED: calling anything a “scam”/”scamming” or other charged language - AVOID saying “insurance companies” with something strongly negative, such as “insurance companies don't want you to know about this”. ■ Showing insurance carriers as ‘taking advantage’ of users Examples of acceptable language: - Talking about skyrocketing Insurance prices is safe; about the frustration. - Frustrating shopping process ● MAY NOT mention getting into accidents, risky driving/behavior or similar - Images of accidents are acceptable. ● MAY NOT mention insurance company brands without prior written approval from Insurify and its partners. - I.e. Cannot mention “Geico”, “Progressive”, “Allstate”, etc in any creatives including video voice overs & subtitles & images ● MAY NOT mention auto insurance rates “dropping” - CAN say auto insurance rates have changed. ● Advertiser prefers not using the disclaimer “Average expenditure $89/month” ● NO MENTION of any special programs which people can “qualify” for or the word “qualify”. - They can compare quotes for free. - MAY SAY “Find out what discounts you qualify for” ● NO MENTION of “rules changing” ----------- Prohibited words in marketing: ----------- These words are red flags because they often/always raise compliance issues ● “Qualify” - MAY SAY “Find out what discounts you qualify for” - MAY NOT use the term "qualify" in terms of needing to qualify to use their service. Language must be specific to avoid it sounding misleading. ● “Promotion, deal, exclusive or exclusive offer, discount (see below), special rate” or similar - MAY NOT use the term “discount” In reference to something the advertiser’s service WILL provide. - MAY USE the term “discount” in reference to seeing what the consumer may qualify for from the insurer, NOT Insurify. Example of approved language: “Find out what discounts you qualify for…” ● “Program” ● “Limited time offer”, “deal expires soon” or any other pressure tactic ● “Quiz” • Strictly prohibited to use any kind of fraudulent activities, incentive and bot traffic. • Advertiser reserves the right to not pay for fraudulent leads, bad lead data (such as obviously fake names combined with bad phone numbers and/or invalid email addresses) and/or restricted traffic. • Custom creatives must be sent for approval PRIOR TO USE and ANY ALTERATIONS to approved creatives must be resubmitted PRIOR TO USE, or risk nonpayment.
