Team tool

Finance AdsPolicy Filter

Check copy, the ad as it will appear, and the landing page before anyone uploads to Meta. Guidance only — not legal advice, and not a Meta or ASIC decision.

01
Paste the copy
Primary, headline, description, and any overlay text.
02
Drop the ad image
The creative as it will appear. Meta OCR-reads the phone UI.
03
Add the landing URL
The first fold has to match the ad. Then run the filter.

Disclaimer

Not legal advice. Not a Meta or ASIC decision.

Cruickshanks Agency is not a law firm, solicitor, barrister, or licensed legal or financial professional. Finance Ads Policy Filter is an internal working tool. It does not create a solicitor-client or fiduciary relationship.

Nothing here is legal, regulatory, or financial advice. It is not a substitute for a lawyer, compliance officer, or Meta’s own review. Policy text is summarised from publicly available sources and may be incomplete, out of date, or wrong.

This tool is not affiliated with, endorsed by, certified by, or partnered with Meta Platforms, Inc., ASIC, or any credit provider. Meta, ASIC, and the credit provider have final say. A Low rating does not mean an ad will be approved, stay approved, or comply with law.

You use this tool at your own risk. To the maximum extent permitted by law, Cruickshanks Agency and its principals are not liable for rejected ads, account restrictions, lost media spend, lost profit, regulatory action, or any other loss arising from use of these outputs. Where Australian Consumer Law or other non-excludable rights apply, those rights are not excluded — only limited as that law allows.

Check

Policies

Copy / content

Headline

Description

On-image text (if you know it)

Ad imageUpload the ad as it will appearJPG, PNG or WebP. Meta OCR-reads overlay text.

Landing page URL

I understand this is not legal advice, Cruickshanks Agency is not a law firm, and Meta / ASIC / the credit provider have final say. A rating here is not approval.

Desk order

Steps you take.

Laddr is already restricted. Do these in order — verification, Special Ad Category, Finance Ads Policy Filter, then the rewrite. Do not appeal the 10 August rejects with the same copy.

01
Hold new ads until verification clears
The Laddr Meta account is already restricted. Do not upload fresh creatives until Business Verification is approved.
02
Declare Special Ad Category on every ad set
Financial products and services → Credit. Age 18+ only. Missing this is treated as evasion, especially with dollar amounts and approval UIs in the creative.
03
Run Finance Ads Policy Filter before Ads Manager
Paste copy, upload the ad image as it will appear, and add the landing URL. Leave all four policy filters on. Do not upload a High result.
04
Rewrite the image, not just the caption
Meta OCR-reads overlays. “Haven’t been paid yet?”, “Need cashflow?”, and “Need to hire more staff?” reject even when primary text is clean.
05
Fix the landing-page first fold
laddr.com.au/get-pre-approved must match the ad. Lead with eligibility + product. Drop “Get Your Cashflow Sorted Today” and “your Reece trade history”.
06
Soften speed and certainty
Use “Pre-approval available” and “Assessment based on Reece trading history”. Drop “today”, “within 48 hours”, and “about an hour” unless you can substantiate them for most applicants.
07
Keep the credit provider next to the offer
TruePillars Pty Ltd ABN 36 603 933 508 and “Eligibility criteria applies” sit beside the claim — footer-only disclaimers do not save a hero that over-promises.
08
Don’t appeal with the same ad
The 10 Aug 2026 “Misleading business practices” rejects will recur. Ship the low-risk rewrite as a new ad. Recheck every variant here first.

Finance AdsPolicy Filter

Steps you take.

Hold new ads until verification clears

Declare Special Ad Category on every ad set

Run Finance Ads Policy Filter before Ads Manager

Rewrite the image, not just the caption

Fix the landing-page first fold

Soften speed and certainty

Keep the credit provider next to the offer

Don’t appeal with the same ad