SE – Klicklån – Låna upp till 40.000 kr! – Mobiloptimeret is featured at the following affiliate networks:

digitaladvisor.com -> Press here to join program

SE – Klicklån – Låna upp till 40.000 kr! – Mobiloptimeret offers the following commission bases:

CPC
CPL
CPM
CPA 500.00000
Program description:

<h2>English</h2>
<b><u>Description</u></b><br>
<br>
<li><b>Campaign information:</b> With KlickLån you can borrow money online, loan up to 40.000 <br>
<li><b>Payout/Valuta</b>: SEK </li><BR>
<b>Period:</b> Unlimited<br>
<b>Budget:</b>Unlimited<br>
<b>Conversion point:</b> Per application.<br>
</ul>
</p>
<br>
<p>
<b><u>Campaign USP's</b></u>
</p>
<p>
<li>Fixed interest rat</li><br>
<li>Repayment period of 12-72 months </li><br>
<li>you do not have to provide collateral for the loan or give a loan explanation .</li>
<br>
<br>
<p>
<b><u>Genereal campaign information and restrictions:</b></u>
<br>
<b>1</b> All publishers must be whitelisted before they are allowed to expose LEASY.<br>
<b>2.</b> All e-mails must be approved before sending out – see more in "Approval of e-mails". Sent previews to: leasy@digitaladvisor.dk<br>
<b>3.</b> All e-mail publishers must send documentation for legal collection of permission, and should be approved before sending out.<br>
<b>4.</b> Always include correct loan example.<br>
<b>5.</b> It is not allowed to apply RKI related keywords in SEO/SEM.<br>
<b>6. IMPORTANT!</b> Non of the following e-mails may receive any material concerning LEASY: <a href="http://digitaladvisor.dk/blacklists/Blacklist-LEASY-SE,NO,DK.xlsx">Download L'EASY Global blacklist</a><br>
<b>7.</b> Rejection of dublicates: Users who have applied for a loan within 30 days will be rejected as a <i>new customer</i>. <br>
<b>8. </b> 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 <b>"Channels.</b><br>
<br>
<b>Restrictions on content:</b><br>
<b>1.</b> The content must comply with the current legislation (ex. Marketing act, privacy act, e-commerce act and restrictions for price)<br>
<b>2.</b> Should be clear to the user that it is advertising.<br>
<b>3.</b> 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.)<br>
<b>4.</b> You must be clear about third part marketing.<br>
<b>5.</b> 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.<br>
<b>6.</b> 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”.<br>
<b>7.</b> 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”. <br>
<b>8.</b> 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.)<br>
<b>9.</b> Must not express any negative reason for buying LEASY products: “Affected by the crisis?” or “Was the vacation to expensive?”<br>
<b>10.</b> 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.<br>
<b>11.</b> 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.<br>
<b>12.</b> It is not permitted to suggest that you can obtain a very fast credit or borrow money without credit assessment<br>
<br>
<b>Approval of e-mails: </b><br>
<b>1.</b> 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.).<br>
All e-mails must therefore be sent to leasy@digitaladvisor.dk and await approval/rejection from L'EASY. <br>
a) Unapproved sending’s on the L'EASY campaigns will immediately result in blacklisting from the L'EASY campaign in all countries.<br>
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.<br>
<b>2.</b> 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 leasy@digitaladvisor.dk, 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.<br>
<b>3.</b> 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 leasy@digitaladvisor.dk, 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.<br>
<b>4.</b> It is no longer allowed to send out e-mails on any LEASY campaigns without prior approval of the permission: <br>
a) Image of, or link to the collection point where the consent has been/will be collected. <br>
b) A copy of the consent text itself (it should in any case appear in the picture or collection point).<br>
<b>5.</b> Note that it takes up to 5 working days to get your material approved.<br>
<br>
<b>Specifically regarding email marketing in Sweden:</b><br><br>
<b>Information requirements / Informationskrav </b><br>
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.<br>
When any other interest rate or number than the effective interest rate is communicated a full representative example must also be shown, including:<br>
<b>1.</b> the credit interest rate, indicating whether it is fixed or variable<br>
<b>2.</b> fees and other costs that form part of credit costs<br>
<b>3.</b> The credit amount<br>
<b>4.</b> term of the credit agreement<br>
<b>5.</b> the total amount to be paid by the consumer and the number of installments and the amount thereof, and<br>
<b>6.</b> the cash price and the cash contribution required for credit purchases.<br>
The current representative example will be provided by The LEASY Group<br><br>

<b>Requirements for moderation / Måttfullhetskrav (6 a §KkrL)</b><br>
When marketing loans and credits, “måttfullhet” must be observed. The assessment of “måttfullhet” shall take into account, among other things:<br>
<b>1.</b> If the credit is presented in such a way that it misleads the customer about the financial consequences of the credit.<br>
<b>2.</b> If the credit is presented as a completely worry-free solution to the customer's possible financial problems.<br>
<b>3.</b> If the credit entices the customer to make an unintentional decision to commit to the credit.<br>
<b>4.</b> If the credit is neutral and leaves it to the customer to decide to what extent the credit is favorable.<br><br>

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. <br>
• Avoid formulations such as “helt enkelt”, “utan krångel”, “låna till vad du drömmer om”, ”utrymme i ekonomin” etc. <br>
• Avoid stars, gold/silver/bronze medals, statements such as ”best”, “popular”, “recommended” and the like. <br>
• Avoid presenting a small monthly payment in connection to credit with a long payback time.<br>
• Avoid linking the credit with offers or benefits that are likely to make the credit offering more attractive<br>
• Avoid terms such as ”snabb”, ”snabbhet”, etc., as in Sweden it is illegal to give ”snabbhet” a prominent position in marketing.<br>
• It is not allowed to communicate an interest rate “from” – the full spread must be shown.<br><br>

<b>Other points of attention</b><br>
• 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.<br>
• “Upp till” must be written before the amount of money. For example “Låna upp till 100 000”.<br>
• 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”.<br>
• 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. <br>
• 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. <br>
• 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.<br>
• 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.<br><br>

<b>When sending out newsletter the following must be observed:</b> <br>
• På svenska är tusentalsavgränsare ett mellanslag, inte punkt eller komma. Dvs 25 490 kr, inte 25.490 kr eller 25,490 kr. <br>
• Förkortning av valutan är ”kr” eller ”:-” dvs inte ”kr.” eller ”,-” eller något annat <br>
• Förkortning av månad är ”mån” <br>
• ”Per” kan man i svenska inte förkorta till ”pr.”, om det ska förkortas så använder man ”/”, dvs t ex 149 kr/mån <br>
• Email heter på svenska e-post, t ex e-postadress <br>