App Store RejectionGuideline Google Play — Financial Services — Financial Services Policy

Financial services apps face extra scrutiny on Google Play. Here's what's required.

If your app offers loans, investments, crypto trading, or any form of financial product, Google Play requires specific disclosures, licensing documentation, and compliance with local regulations. This guide walks through what you need to submit and what to include in your app.

What Apple said

“Your app appears to offer financial services including personal loans, but does not provide the required disclosures about loan terms, APR, fees, and repayment timelines. Apps offering financial products must comply with local laws and regulations and provide required disclosures to users.”

What this actually means

Google Play's financial services policy requires that apps offering loans, credit, investments, or cryptocurrency trading meet legal requirements in each market they operate in. This means licensing disclosures, mandated loan term disclosures, and in some regions, uploading licensing documentation to Play Console. Missing any of these will block your app from publishing.

What Apple needs to see

  • In-app disclosure of maximum APR, loan fees, and representative repayment example if offering lending products
  • Compliance with the financial regulations of every country your app is distributed in
  • A detailed terms of service that covers the financial product being offered, risks, and user rights
  • Licensing documentation uploaded to Play Console if required by your target markets
  1. 1Review Google Play's Financial Services policy for your specific product category (personal loans, investments, crypto) and list every required disclosure
  2. 2Add required financial disclosures directly in the app UI — APR ranges, fee structures, and risk warnings must be visible before users commit
  3. 3Update your terms of service to include all legally required financial product disclosures for your target markets — BaseTerms can generate a terms of service foundation that you can supplement with jurisdiction-specific financial disclosures
  4. 4Upload any required licensing documents to the Play Console App Content section under 'Financial Services'
  5. 5Consult a lawyer familiar with fintech regulations in your primary market — Google's policy compliance doesn't substitute for actual legal compliance

While you're at it — Apple also requires these pages for every app.

Fix this rejection, then make sure you're covered on the compliance side too. Apple requires every app to link to a hosted Privacy Policy, Terms of Service, Support page, and Data Deletion page. No link means another rejection — just for a different reason.

Privacy Policy
Terms of Service
Support Page
Data Deletion Page
Generate my compliance pages — $9

Common questions

My app is a budgeting tool, not a lender — do these rules apply to me?
Purely informational financial apps like budgeting tools and expense trackers are generally not subject to the lending-specific requirements. The stricter rules apply when your app facilitates actual financial transactions, loans, investments, or crypto trades. Review Google's policy to see which product category your app falls under.
What happens if I publish in a country where I'm not licensed?
Google can remove your app from that country's Play Store and in serious cases take action against your developer account. You should either obtain the required licenses, restrict your distribution to countries where you are licensed, or use Play Console's country targeting to exclude markets where you don't have regulatory approval.
Does Google verify whether my licensing documentation is genuine?
Google does review uploaded documentation and may contact relevant regulatory bodies to verify. Submitting fraudulent licensing documents is grounds for permanent account termination. Only upload documents you actually hold.