Klicklan affiliate program
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KlickLån offer consumer loans from 10.000 - 40.000 kr with a payment time of 12 to 72 months, to clients 20 years and up. Commission is paid per approved application.
Important regulations regarding Email marketing
When applying for this campaign you need to inform us about your email sender domain(s) / site domain(s) through which you plan to run it.
If you wish to edit the provided material in any way those edits needs to be approve by the advertiser before sendout.
Everyone running the L'EASY group campaigns by email need to first also provide the following:
- An URL to the place where the consent of marketing have been collected.
- A copy of the consent of marketing text that the email receivers have approved.
Regulations
This text needs to be included in all sendouts:
Detta meddelande är inte skickat från KlickLån utan från en kommersiell samarbetspartner.
Representativt exempel: Om du lånar 20 000:- i 72 månader så betalar du 513:-/mån (administrationsavgift tillkommer: 19:-/mån vid autogiro, annars 39:-/mån). Totalt betalar du 38 245:-, baserat på ränta 21,60%, effektiv ränta 27,35% (2017-01-04), uppläggningsavgift 595:- (som läggs till lånet) och autogiro. Räntan är fast och sätts individuellt efter kreditprövning: 9,84-21,60%. Exemplet är beräknat utifrån att avtalets betalningsplan följs.
You get paid per approved loan application
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Brief explanation in English:Klicklån - Take a loan up to 40 000 kr.You can apply online - you directly get an answer.Interest rate from 9,84% and you choose when you want to pay the loan back on a period between 12-84 months. You don't need to put in any security for the loan. Publishers get paid per accepted loan application. If you require translations or if you have any questions please feel free to contact your digital manager. ********* OM KAMPANJENUpdated product info: https://docs.google.com/document/d/1-6WCyEx3AYcYFZfyPr6QMU7Yb5HaUIZNKT9m8XhnbzQ/edit
Klicklån - Låna upp till 40.000 kr med ett enda klick!Ansök enkelt online - du får svar direkt, signera med e-signering.Ränta från 9,84% och valfri återbetalningsperiod på 12-84 månader. DU behöver inte ställa säkerhet för lånet.
Representativt exempel: Ett lån på 10 000 kronor till 21,60% bunden ränta med en återbetalningstid på 84 månader, med 84 avbetalningar om 246 kronor och 595 kronor i uppläggningsavgift (som läggs till lånet) samt 15 kronor i administrationsavgift, ger en effektiv ränta på totalt 29,62%. Totalt att återbetala blir 21 889 kronor.
* Websites and comparison sites have to market the L'EASY Group with a comprehensive and compulsory loan example. The existing loan example is always shown on the landing page.
Trackinglinks:
Please note that you must use trackinglink which matches the channel used for promotion: (use textlinks)
Facebookflow
e-mail marketing
Comparison site traffic
Other
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PROVISIONDu får betalt per ansökning OBSSms marknadsföring och pushads på mobil är inte tillåtet! Kampanjen är inte tillåten på Facebook. *********KONSUMENTKREDITLAGEN:Krediten bör presenteras sakligt, korrekt och i neutrala ordalag
God kreditgivningssed innebär att marknadsföringen bör visa återhållsamhet och måttfullhet. Krediten får inte framställas på ett sätt som kan missleda konsumenten om de ekonomiska följderna, eller ge intryck av att den erbjudna krediten inte innebär någon, eller endast ringa, belastning på ekonomin.
När kredit kan erhållas snabbt får inte detta i sig framhållas som ett avgörande argument i förhållande till övriga kreditvillkor. Möjlighet att få snabb kredit får inte ges en framträdande plats i marknadsföringen. Undvik helt begrepp som ”snabb”, ”snabbhet”, etc
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SMS marketing and push ads on the mobile phone are NOT allowed on the campaign:
The use of SMS, Push Ads or notifications on the mobile phone for the promotion of the L'EASY Group's campaigns is under no circumstances permitted. This applies both as direct and indirect traffic-generating element. In other words it’s not allowed to link to comparison sites and websites that offer loans from the L'EASY Group by using SMS, Push Ads or notifications on the mobile phone.
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E-MAIL MARKETING:
E-mail marketing is not allowed on the L'EASY Group's campaigns without prior approval of the e-mail content (subject line, body text, etc.).
The approval of an email text is valid for one year and new sendouts with the same text within this period don’t need a new approval unless there has been some changes in the guidelines for the L'EASY Group programs.
If, unexpectedly, e-mail marketing is not approved by L'EASY, it will result in blacklisting from the L'EASY Group's campaigns.
NOTE: ALL E-MAIL PUBLISHERS MUST BE APPROVED BY L'EASY ON THE CAMPAIGN!
If you have been approved by one of L'EASY's other campaigns, the approval will also apply to this.
Please be aware that you ALWAYS have to update your newsletter database and regularly delete all recipients found on our email blacklist - SEE HERE:
https://publisher.adservice.com/cgi-bin/publisher/toolblacklist.pl
Publishers who are going to send out to people on the email blacklist will immediately be blacklisted from all L'EASY's campaigns.
* If you have questions to the above, don’t hesitate to contact your Publisher Manager.
*********PRE-APPROVED EMAIL TEXTS:
The following email texts are pre-approved by L'EASY . If you want to produce your own email texts, they have to be approved before sendout.
Klicklån:
Subject: Behöver du låna pengar? Ansök här.
Subject: Låna upp till 40 000 kr.
Subject: Behöver du extra pengar. Ansök om lån här.
Body 1:
Fast årlig ränta och valfri avbetalningstid på 12 – 84 månader.
Du behöver ingen säkerhet för lånet och du kan använda pengarna till vad du vill.
Ansök om lån här – ansökan är inte bindande.
Body 2:
Klicklån – låna upp till 40 000 kr!
Du kan signera digitalt med Bank-ID.
Du bestämmer vad du vill använda pengarna till.
Du bestämmer själv när du vill betala av lånet (upp till 84 månaders avbetalningstid).
Ansökan du gör är inte bindande.
Se över dina lånemöjligheter idag – klicka här!
VERY IMPORTANT INFORMATION FROM L’EASY TO ALL E-MAIL PUBLISHERS
The L’EASY Group is often recieving complaints from consumers, who are receiving e-mails against their will through publishers. These complaints are often caused by recipients, who is claiming never to have signed up for that e-mail database or because they aren’t able to unsubscribe. There can be a lot of different causes for this like failing to remembering that they have given the permission or that the unsubscribe link isn’t functioning properly.
The L’EASY Group wants to respect the wishes from the complainers, but at the same time state that the responsibility for gathering permissions, sending out correct e-mails with functioning unsubscribe links lies solely with the publishers - not L’EASY themselves. L’EASY have therefore decided to state a demand regarding the implementation of a disclaimer in ALL e-mail send outs with ads from any of the The L’EASY Group brands.
You can find demands for the disclaimer here, and you are advised to quickly implement it on all your send outs of ads from the L’EASY Group.
>> DOWNLOAD DISCLAIMER HERE!
DISCLAIMER IN SWEDISH
Detta email är skickat av:
[Company name], [address], [phone], [email address]
Du får vår email [e.g. once per day] och det innehåller attraktiva erbjudanden och tävlingar från våra sponsorer. Du får detta email eftersom du tidigare har gett tillstånd genom att delta i en tävling eller en undersökning. Om du inte vill få vår email så kan du avregistrera dig här: [unsubscribe link]
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Examples of non-exhaustive newsletters and texts guidelines:
- Newsletters / texts can not promise more than L'EASY can keep for sure (for example, it is not allowed to write "Get an answer within 15 minutes", "You can already get your money today", "You do not need to document your income "," You can get a loan despite RKI registration ", etc.)
- Newsletters / Texts may not appear to be sent directly from L'EASY and not from a third party.
- Newsletters / Texts may not indicate that the sender (third party) has a special agreement with L'EASY (eg "Sometimes it can be difficult to make sure there is enough money. That’s why I've agreed with L'EASY that you can get 50.000 NOK directly into your account with a L'EASY loan.")
- Newsletters / Texts may not indicate that L'EASY has already reserved a product to the customer (eg "We have 50.000 NOK with your name on. L'EASY has booked up to 50.000 NOK only for you. Complete the application and get your money here ")
- Newsletters / texts may not indicate that the recipient is specifically selected to purchase L'EASY products (eg "You are selected for loan", "Congratulations on your loan", etc.)
- Newsletters / texts may not give the impression that there is an ongoing dialogue between L'EASY and the recipients of mails / texts (eg subject lines designed as "Enter your 50.000 NOK" Or "SV: Loan application" , "Your loan application is unsigned", "Regarding your loan", "L'EASY has not heard from you", "You have not filled in your loan application", etc.) This requirement applies unless both of the following exceptions occur:
1. It’s very clear and unequivocal from both subject line and body text that there is an ongoing dialogue between the publisher and the recipient - and not between L'EASY and the recipient of the newsletter. Eg. "Relating to your inquiry at Domain X ".
2. Permission for sending newsletters is collected directly on the domain from which the newsletter of the ongoing dialogue is send from.
- Newsletters / Texts may not be drafted with a negative reason for purchasing L'EASY products (eg “Is there a crisis" or "Has the holiday been too expensive?")
- Newsletters / Texts may not be formulated with a negative reason for purchasing L'EASY products (eg “Is there a crisis" or "Has the holiday been too expensive?")
- Negative relationships between Christmas and L'EASY's products are not allowed (see also the guideline: newsletters / texts may not be formulated with negative reasons). Formulations such as “Save Christmas", "Loans for Christmas" and "Afford the Christmas" is not acceptable.
- E-mails and newsletters must in all cases contain a disclaimer which indicate that L'EASY is not a direct sender of the e-mail / newsletter.
- Email publishers who violate the guidelines will be blacklisted from the L'EASY Group Affiliate Programs.
Nu kan du låna upp till 40 000 kr utan krångel.
English
DescriptionPeriod: Unlimited
Budget:Unlimited
Conversion point: Per application.
Campaign USP's
Genereal campaign information and restrictions:
1 All publishers must be whitelisted before they are allowed to expose LEASY.
2. All e-mails must be approved before sending out – see more in "Approval of e-mails". Sent previews to: [removed] />3. All e-mail publishers must send documentation for legal collection of permission, and should be approved before sending out.
4. Always include correct loan example.
5. It is not allowed to apply RKI related keywords in SEO/SEM.
6. IMPORTANT! Non of the following e-mails may receive any material concerning LEASY: Download L'EASY Global blacklist
7. Rejection of dublicates: Users who have applied for a loan within 30 days will be rejected as a new customer.
8. Social media is not allowed, neither direct or indirect links from its advertisements. Neither is linking to own sites from social media where L'easy is exposed, allowed. See which channels are allowed under "Channels.
Restrictions on content:
1. The content must comply with the current legislation (ex. Marketing act, privacy act, e-commerce act and restrictions for price)
2. Should be clear to the user that it is advertising.
3. Must not promise more than LEASY can keep, such as: “get an answer within 3 hours”, “get the money today”, “loan money despite RKI”, "Don’t have to document your income”,” You can borrow despite RKI registration”m.m.)
4. You must be clear about third part marketing.
5. You cannot express that sender (third part) have a special agreement with L’EASY, such as: “We have agreed with L’EASY that you can get receive 15.000 DKK.
6. Must not appear as if L’EASY has already made a reservation for the receiver: “We got 15.000 DKK with your name on it” or “L’EASY have 15.000 DKK for you – fill out your name here and get your money”.
7. Don’t express that the receiver has been chosen for any L’EASY loan or products: “Congrats on your new loan” or “You have been chosen to receive 15.000 DKK”.
8. Don’t express that there is an existing dialog between L’EASY and the receiver (ex. “Regarding your loan”, “LEASY has not heard back from you” etc.)
9. Must not express any negative reason for buying LEASY products: “Affected by the crisis?” or “Was the vacation to expensive?”
10. L’EASY must not be associated with any negativity in relation to Christmas. Phrasings such as “save the Christmas”, “loan for Christmas” and “get money for Christmas” is therefore not allowed.
11. Newsletters must not communicate that L’EASY do not ask for what purpose the applicant needs the money. However, it is allowed to communicate that the applicant him/herself decides what the money should be used for.
12. It is not permitted to suggest that you can obtain a very fast credit or borrow money without credit assessment
Approval of e-mails:
1. It is no longer allowed to send out e-mails on any of L'EASYS campaigns without prior approval of the e-mail content (domain, sender name, subject line, body text, etc.).
All e-mails must therefore be sent to [removed] and await approval/rejection from L'EASY.
a) Unapproved sending’s on the L'EASY campaigns will immediately result in blacklisting from the L'EASY campaign in all countries.
b) The approval of an email is valid for one year, thus applying the same text within this period, do not require a new approval unless the L'EASY Groups guidelines have been changed in the meantime.
2. All publishers who generate direct traffic to the L'EASY Groups campaigns through e-mails must now be approved by L'EASY. Upon approval, names of all sender domains are sent to [removed] after which we will forward and await approval / rejection from L'EASY. Only after the approval has been confirmed, are you allowed to send out e-mails for the L'EASY Group from the approved sender domains – and with the approved material.
3. From today it is no longer allowed to use SMS, Push Ads or notifications on the mobile phone to promote the L'EASY brand. This applies as both a direct and indirect traffic-generating element. In other words, it is no longer allowed to use SMS, Push Ads or notifications on the mobile phone to link to comparison pages and websites that contains offers from the L'EASY Group.
When sending e-mail material to [removed] it is preferred that the subject line contains the sender domain that will be applied, and moreover the e-mail content is either attached or directly displayed in the e-mail.
4. It is no longer allowed to send out e-mails on any LEASY campaigns without prior approval of the permission:
a) Image of, or link to the collection point where the consent has been/will be collected.
b) A copy of the consent text itself (it should in any case appear in the picture or collection point).
5. Note that it takes up to 5 working days to get your material approved.
Specifically regarding email marketing in Sweden:
Information requirements / Informationskrav
When communicating loans the effective interest rate (effektiva räntan) must be shown on a “clear, shorts and prominent” place. The effective interest rate shall be stated in the marketing in a manner at least as prominent as others interest rates.
When any other interest rate or number than the effective interest rate is communicated a full representative example must also be shown, including:
1. the credit interest rate, indicating whether it is fixed or variable
2. fees and other costs that form part of credit costs
3. The credit amount
4. term of the credit agreement
5. the total amount to be paid by the consumer and the number of installments and the amount thereof, and
6. the cash price and the cash contribution required for credit purchases.
The current representative example will be provided by The LEASY Group
Requirements for moderation / Måttfullhetskrav (6 a §KkrL)
When marketing loans and credits, “måttfullhet” must be observed. The assessment of “måttfullhet” shall take into account, among other things:
1. If the credit is presented in such a way that it misleads the customer about the financial consequences of the credit.
2. If the credit is presented as a completely worry-free solution to the customer's possible financial problems.
3. If the credit entices the customer to make an unintentional decision to commit to the credit.
4. If the credit is neutral and leaves it to the customer to decide to what extent the credit is favorable.
In short, the marketing cannot be presented as a carefree solution to the consumer’s economic problems or be used to lure the consumer to make a precipitate decision to enter into an agreement about the credit. The marketing must be objective and balanced and contain a precise presentation of the credit.
• Avoid formulations such as “helt enkelt”, “utan krångel”, “låna till vad du drömmer om”, ”utrymme i ekonomin” etc.
• Avoid stars, gold/silver/bronze medals, statements such as ”best”, “popular”, “recommended” and the like.
• Avoid presenting a small monthly payment in connection to credit with a long payback time.
• Avoid linking the credit with offers or benefits that are likely to make the credit offering more attractive
• Avoid terms such as ”snabb”, ”snabbhet”, etc., as in Sweden it is illegal to give ”snabbhet” a prominent position in marketing.
• It is not allowed to communicate an interest rate “from” – the full spread must be shown.
Other points of attention
• The marketing cannot be insistent. It will be an overall evaluation but an element in the evaluation is the frequency of released mails to the consumer.
• “Upp till” must be written before the amount of money. For example “Låna upp till 100 000”.
• If it is communicated that the consumer can pay the loan whenever the person concerned wants to, it needs to be clear that it can happen without fees. For example is it allowed to communicate: “Lös lånet när du vill – utan avgifter”.
• As mentioned in section 1.5 newsletters/texts must not suggest that there is already an ongoing dialogue between L’EASY and the recipients of mail/texts. This is especially important in Sweden as focus is on fraud.
• It is not allowed to communicate that the interest rate or monthly payments are low. However, it is allowed to use the word fast (fixed) in connection with the interest rate.
• It is not allowed to communicate or indicate conditions about the loans that are not true –for example “Lån utan UC”, “Lån utan inkomst” and the like.
• In Sweden there are specific rules concerning marketing of “högkostnadskreditter”. However, none of LEASYs loans are högkostnadskreditter and therefore it is of utmost importance that they are not depicted or perceived as such.
When sending out newsletter the following must be observed:
• På svenska är tusentalsavgränsare ett mellanslag, inte punkt eller komma. Dvs 25 490 kr, inte 25.490 kr eller 25,490 kr.
• Förkortning av valutan är ”kr” eller ”:-” dvs inte ”kr.” eller ”,-” eller något annat
• Förkortning av månad är ”mån”
• ”Per” kan man i svenska inte förkorta till ”pr.”, om det ska förkortas så använder man ”/”, dvs t ex 149 kr/mån
• Email heter på svenska e-post, t ex e-postadress
