Marketing Practices

Our Marketing Standards

Scratchpay is committed to ethical and transparent marketing practices that comply with all applicable laws and regulations.

Truth in Advertising

We ensure all marketing communications:

• Are truthful and not misleading
• Clearly disclose that we are a loan connection service, not a lender
• Do not guarantee loan approval
• Accurately represent loan terms, rates, and fees
• Comply with all advertising regulations

What We Don't Do

We do not:

• Make false promises of guaranteed approval
• Use deceptive or misleading language
• Hide important terms in fine print
• Engage in predatory marketing practices
• Spam or harass consumers

Google Ads Compliance

Our advertising complies with Google Ads policies for personal loans, including:

• Maximum APR below 36%
• Minimum repayment terms of 61 days
• Clear disclosure of lending terms

Opt-Out

You can opt-out of marketing communications at any time. See our Unsubscribe page for details.