financial-declarations

Financial features declaration — step by step

When required

Declare if your app:

• Offers financial products (loans, investments, insurance, banking features)
• Provides cryptocurrency features (wallets, trading, price tracking)
• Shows stock prices, exchange rates, or financial advice
• Mentions savings, credit, debt, or financial planning
• Has in-app purchases or subscriptions (separate declaration — see below)

Even informational apps (e.g., a currency converter or crypto price tracker) may require this declaration.

Play Console navigation

App Dashboard → Policy → App content → Financial features

Declaration fields

1. Financial product type — select all that apply:

   • Banking / payment
   • Investment / trading
   • Insurance
   • Cryptocurrency
   • Lending / credit / debt management

2. License / registration — if your app provides regulated financial services:

   • Upload a copy of the applicable financial license from your country's regulator
   • Thailand: Financial institution license from the Bank of Thailand (if offering regulated services)
   • Most utility apps that show financial data but do not offer services: select "No financial license required — app does not offer regulated financial services"

3. Disclaimer — if no license is required, add a disclaimer within the app:

   • Minimum required text: "This app does not provide financial advice. Consult a qualified financial advisor before making financial decisions."
   • This disclaimer should be visible in the app's settings or about screen, and referenced in the privacy policy

IAP / Subscription declaration (separate from financial features)

Navigation: App Dashboard → Monetization setup → Products

Required for any app with:

• One-time in-app purchases (coins, features, content)
• Auto-renewing subscriptions

Requirements:

• Subscription terms (price, billing period, what is included) must be shown before the user subscribes
• Free trial terms must be visible before the user agrees — duration, what happens after trial ends
• Cancellation instructions must be accessible from within the app (e.g., in Settings → Subscription)
• Refund policy must be consistent with Google Play's refund policy

Common mistakes

• Forgetting to declare when an app merely displays financial data (even read-only)
• Not updating the declaration after adding new financial features in an update
• Missing the subscription terms disclosure on the paywall screen
• Not including cancellation instructions in the app — this can trigger a policy strike