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English
DescriptionPeriod: Unlimited
Budget:Unlimited
Conversion point: Per application.
Campaign USP's
• Lån opptil 40 000 kr.
• Fast rente fra 8,40%
• Fast månedlig ytelse
• Valgfri nedbetaling på 12 - 60 mnd
• Bruk pengene til hva du vil
• Det kreves ikke sikkerhet for lånet
• Få råderom i økonomien og frihet til å gjøre hva du vil
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:
1. Any marketing of consumer credit must include the representative effective interest rate and the date of the creation of example in Sweden.
2. If any marketing indicates any additional interest rates, a representative example with the following information’s must be included:
a) The credit interest rate, to include whether it is fixed or variable
b) Taxes or other mandatory expenses connected with taking out the credit
c) The credit amount
d) The agreement duration, including the size of monthly repayments
e) The total sum to be repaid (credit sum and interest/costs)
4. Comply the marketing with the law regarding “måttfullhet”. 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. Avoid formulations such as “helt enkelt”, “låna till vad du drömmer om”, ”utrymme i ekonomin” etc. The marketing must be objective and balanced and contain a precise presentation of the credit. Avoid presenting a small monthly payment in connection to credit with a long payback time.
5. 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.
6 Newsletters/texts must not include a negative motivation for purchasing L’EASY products. For example: “Do you have nightmares about your economy?”, “Are you sweating when you think about your economy and all the things you cannot afford?” etc.
7. “Upp till” must be written before the amount of money. For example “Låna upp till 100 000”.
8. 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”.
9. Newsletters/texts must not suggest that there is already an on-going dialogue between L’EASY and the recipients of mail/texts. This is especially important in Sweden as focus is on fraud. Read more about this in the general e-mail guidelines on page 7.
English
DescriptionPeriod: Unlimited
Budget:Unlimited
Conversion point: Per application.
Campaign USP's
• Lån upp till 40 000 kr
• Valfri avbetalningstid på upp till 84 månader
• Fast ränta mellan 6,84% - 21,6%
• Ansökan är inte bindande
• Bestäm själv vad du till använda pengarna till
• Lån utan säkerhet
• Du ansöker online
• När ditt lån har blivit godkänt betalas pengarna ut samma dag eller senast vardagen efter
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
Rente: 18,58% - 20,98% ÅOP: 21,56% - 24,87% Løbetid (mdr): 48 - 96 mdr. Lånebeløb (DKK): 10.000 - 200.000 Oprettelsesgebyr: 8% Repræsentativt eksempel: 10.000 kr. over 84 mdr. Fast debitorrente: 20,98%. ÅOP: 24,51%. Mdl. ydelse: 235 kr. Samlet tilbagebetaling: 19.711 kr. Samlede kreditomk.: 9.711 kr. Etableringsomkostninger samt betalingsgebyrer er medtaget i alle beregninger. Baseret på betaling via Betalingsservice. Fortrydelsesret 14 dage.
Representativt eksempel: eff. rente 26,1%, 25.000,-, o/5 år, kostnad 17.674,-, totalt 42.674,-. Eksemplet er beregnet ut ifra at månedsbeløpet betales via avtalegiro og at avtalens nedbetalingsplan overholdes
Låna upp till 40 000 kr utan säkerhet hos marknadens senaste lån, Viiga.
You get paid for every approved loan application / Du får betalt per godkjent lånesøknad
Guideline for Leasy Group programmes must be read and understood: Link
Please note that you must use tracking link which matches the channel used for promotion: (use textlinks)
e-mail marketing
Comparison site traffic
Other
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SHORT CAMPAIGN DESCRIPTION:
Viiga Lån is a new loan in Norway. They offer loans up to 40.000 NOK.
You can find e-mail texts in the bottom of the campaign description
Updated loanexample must always be used!
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KORT KAMPAGNEBESKRIVELSE:
Pligttekst - følgende skal fremgå:
Representativt eksempel: eff. rente 26,1%, 25.000,-, o/5 år, kostnad 17.674,-, totalt 42.674,-.
Eksemplet er beregnet ut ifra at månedsbeløpet betales via avtalegiro og at avtalens nedbetalingsplan overholdes.
Aldersgrænse: 25 år
Administrationsgebyr: 19 kr.
Indtægtskrav - Fast indtægt
Oprettelsesgebyr: 2,8%, dog min. 695 kr.
Udbetaling: 1-2 hverdage
Åbningstid: man-tors 9-17, fre 8-16
Godtager IKKE betalingsanmærkninger
Norsk statsborgerskab kræves
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OM PROVISJON:
Du får betalt for hver godkjent søknad som oppfyller følgende minstekrav.
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OM VALIDERING
Det forventes ingen sletting i etterkant ved normal trafikk
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OM FINANSKAMPANJER
All markedsføring av lån eller kredittkort i Norge skal overholde god markedsføringsskikk og de ekstraordinært strenge regler for markedsføring av finansielle produkter. Herunder (men ikke begrenset til):
- All markedsføring skal ledsages av ett representativt låneeksempel, se oven.
- Ved e-mail markedsføring spesifikt skal du som partner være ekstra varsom, og sørge for at både avsender-navn, subject og innhold skal være klare og tydelige, og ikke på noen måte villedene.
- Kun tekster og bannere som du finner i kampanjebeskrivelsene kan benyttes.
For en mer utdypende beskrivelse og veiledning av den norske lovgivning, se Forbrukerombudets veiledning til Finansavtalelovens $46.
Det vil alltid være ditt ansvar som publisher å sørge for all lovgivning er overholdt, men Adservice vil naturligvis stå til rådighet for veiledning og råd. Ta kontakt om du er i tvil!
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MARKEDSFØRING AV KREDITT
Ved markedsføring av kreditt skal det ikke fremheves
For helt å unngå problemer og forskjellige fortolkninger har L’EASY besluttet følgende:
Det er helt forbudt på L’EASY koncernens kampanjer i Norge å omtale hastigheten, hvormed man kan forvente svar på en søknad eller forvente å kunne disponere over kreditten. Det er med andre ord forbudt å bruke ord som f.eks. ”rask”, ”snart” og diverse synonymer, som kan antyde, at det går raskt. Det er også forbudt å benytte ikoner, symboler, billder m.m. av objekter (f.eks. timeglas), som kan antyde, at man kan forvente raskt svar på en søknad eller forvente raskt å kunne disponere over kreditten.
Det er helt forbudt på L’EASY koncernens kampanjer i Norge å omtale søknadsprosessen som enkel. Det er med andre ord forbudt å bruke ord som f.eks. ”enkel”, ”lett” og diverse synonymer, som kan antyde, at søknadsprosessen er enkel. Det er også forbudt å benytte ikoner, symboler, bilder m.m. av objekter, som kan antyde det samme.
https://forbrukerombudet.no/strammar-pa-kredittmarknadsforing
https://www.regjeringen.no/no/dokumenter/forskrift-om-markedsforing-av-kreditt/id2548392/
https://www.finansnorge.no/contentassets/43027ea11f4a4741a68b[removed]f9/markedsforing-av-kredittkort-og-forbrukslan-06.02.17.pdf
https://forbrukerombudet.no/lov-og-rett/veiledninger-og-retningslinjer/veiledning-finansavtaleloven-%C2%A7-46-krav-opplysninger-markedsforing-lan-kreditt
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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.
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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.
GODKENDTE E-MAIL TEKSTER:
Nedenstående e-mail tekster er forhåndsgodkendt af L’EASY og er tilladt at markedsføre. Hvis du ønsker at udarbejde egne e-mail tekster, skal disse sendes til godkendelse.
Generelt: Husk låneeksempel
L’EASY standard affiliate tekster til
Viiga Lån NO
Disclaimer
Denne e-posten er ikke utsendt av ViiGA Lån, men en kommersiell samarbeidspartner.
E-mail tekster
Subject 1: Har du sett det nye lånet på markedet?
Vi har en nyhet. Der er nå en ny lånemulighet til deg: Viiga Lån.
Du kan låne opp til 40.000 kr. til hva du vil til en fast årlig rente og valgfri avbetalingstid på 12 – 60
måneder.
Søk her – det er helt uforpliktende
Subject 2: Søk om penger
Hei,
Ønsker du at låne opp til 40.000 kr? Det kan du hos Viiga Lån, som er det nye lån på markedet. Du skal ikke stille sikkerhet, og du får en fast årlig rente og en valgfri avbetalingstid på 12 – 60 måneder.
Følg disse 3 stegene, og du er godt i gang:
1) Utfyll søknaden online
2) Få svar på din søknad
3) Få pengene inn på din konto efter godkjennelse
Søk her
Subject 3: Har du noe i tankene?
Mangler du en ny bærbar PC, sofa eller kanskje en tur til sydens sol?
Lån opp til 40 000 kr. uten å stille sikkerhet hos markedets nye lån, Viiga.
Du kan bruke pengene, som du vil.
Klikk her og start søknaden
Subject 4: Tid til noe nytt?
Er det tid til nye møbler, overraskelser til familien eller annet?
Lån penger hos Viiga Lån – som er en helt ny og frisk lånemulighet til deg.
Du kan låne opo til 40.000 kr. uten å stille sikkerhet, og du får en fast årlig rente og en valgfri avbetalingstid
på opptil 60 måneder. Du bestemmer – også hva du vil bruke pengene til.
Klikk her og start din søknad online
Bullets
Lån opp til 40.000 kr.
Rente fra 9,48%
Søknaden er uforpliktende
Bestem selv hva du vil bruke pengene til
Du skal ikke stille sikkerhet
Du søker online
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VERY IMPORTANT INFORMATION FROM L’EASY TO ALL E-MAIL PUBLISHERS
The L’EASY Group is often receiving 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!
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.
Representativt eksempel: eff. rente 26,1%, 25.000,-, o/5 år, kostnad 17.674,-, totalt 42.674,-.
Eksemplet er beregnet ut ifra at månedsbeløpet betales via avtalegiro og at avtalens nedbetalingsplan overholdes.
You get paid for every approved loan / Du får betalt per accepteret lån
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SHORT CAMPAIGN DESCRIPTION:
Viiga Lån is a loan brand from L'EASY / 3CR , which offers a large variety of advantages. They offer loans up till 40.000 kr.
Please note that you must use trackinglink which matches the channel used for promotion: (use textlinks)
e-mail marketing
Comparison site traffic
Other
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OM KAMPAGNEN:
Updated productinfo:
https://docs.google.com/document/d/1-6WCyEx3AYcYFZfyPr6QMU7Yb5HaUIZNKT9m8XhnbzQ/edit
- Lån upp till 40 000 kr
- Valfri avbetalningstid på upp till 84 månader
- Fast ränta mellan 6,84% - 21,6%
- Ansökan är inte bindande
- Lån utan säkerhet
- Du ansöker online
- När ditt lån har blivit godkänt betalas pengarna ut samma dag eller senast vardagen efter
Representativt exempel: Ett lån på 20 000 kronor till 21,60% bunden ränta med en återbetalningstid på 84 månader, med 84 avbetalningar om 477 kronor och 595 kronor i uppläggningsavgift (som läggs till lånet) samt 19 kronor i administrationsavgift, ger en effektiv ränta på totalt 27,07%. Totalt att återbetala blir 41 696 kronor.
*Websites og sammenligningssider skal altid markedsføre L’EASY koncernen med fyldestgørende lovpligtigt låneeksempel. Det gældende låneeksempel fremgår altid af den pågældende landing page hos L’EASY koncernen.
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PROVISIONYou get paid for every approved loan / Du får betalt per accepteret lån
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.
Disclaimer
Detta mail är inte skickat av Viiga Lån utan från en samarbetspartner.
E-mail tekster
Viiga:
Subject 1:
Du kan låna upp till 40 000 kr till en fast årlig ränta och valfri avbetalningstid på 12-84 månader. Ansök här – ansökan är inte bindande
Subject 2: Ansök om att låna pengar
Hej!
Vill du låna upp till 40 000 kr? Det kan du göra hos Viiga Lån, Du behöver ingen säkerhet för lånet, och du får en fast årlig ränta och en valfri avbetalningstid på 12-84 månader.
Följ dessa 3 steg så kommer du igång:
1) Fyll i ansökan online
2) Få svar på din ansökan
3) Få in pengarna på kontot senast vardagen efter att ditt lån har blivit godkänt
Du kan när som helst betala av hela lånet, det kostar inget extra.
Starta ansökan.
Subject 3: Har du något i tankarna?
Hej,
Låna upp till 40 000 kr utan säkerhet. Om ditt lån har blivit godkänt betalas pengarna ut samma dag eller senast vardagen efter.
Och det bra är att du kan använda pengarna till precis det du vill. Klicka här och starta din ansökan.
Subject 4: Dags för något nytt?
Hej,
Är det dags för nya möbler, en överraskning för familjen eller något annat?
Låna pengar från Viiga-lån – som är ett lån för dig.
Du kan låna upp till 40 000 kr utan säkerhet, och till en fast årlig ränta och en valfri avbetalningstid på upp till 84 månader. Du bestämmer också vad du vill använda pengarna till.
Klicka här och starta din ansökan online
Bullets
Lån upp till 40 000 kr
Valfri avbetalningstid på upp till 84 månader
Fast ränta mellan 6,84% - 21,6%
Ansökan är inte bindande
Bestäm själv vad du vill använda pengarna till
Lån utan säkerhet
Du ansöker online
När ditt lån har blivit godkänt betalas pengarna ut samma dag eller senast vardagen efter
Subjects
Vi har en lånemöjlighet redo för dig
ViiGA är en lånemöjlighet för dig
Har du sett din nya lånemöjlighet?
VERY IMPORTANT INFORMATION FROM L’EASY TO ALL E-MAIL PUBLISHERS
The L’EASY Group is often receiving 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.
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