# Marketplace Display Requirements

Due to compliance and regulatory requirements, Native API integrations must include a number of items in the display of the marketplace and the information collection process. Prior to launching your Savings Marketplace, Engine by MoneyLion will conduct a review of your implementation to ensure all requirements are met.

## General Disclosures

The following items must be included for all Native API integrations. For each item, Engine by MoneyLion recommends the following pre-approved language for a rapid and efficient compliance approval:

### Sponsored

The top of each offer table must disclose a tag that the offers are sponsored. Advertiser Disclosure: This disclosure must appear above the fold on every page of the consumer experience, from collecting information to displaying offers. The Advertiser Disclosure must include the following 4 elements:

* You receive compensation from the companies who provide the offers.
* The compensation you receive may influence the selection, appearance, and order of appearance of the offers listed.
* The consumer is not charged to receive offers.

<figure><img src="https://3849802388-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MeMvVDbjd8vJWZ9Hwf0%2Fuploads%2Fgit-blob-48f4e92beaf792ac45e99b8a9904c199d2b8f17c%2FSponsored.png?alt=media" alt=""><figcaption></figcaption></figure>

### Advertiser Disclosure

This disclosure must appear above the fold on every page of the consumer experience, from collecting information to displaying offers. The Advertiser Disclosure must include the following 4 elements:

* You receive compensation from the companies who provide the offers.
* The compensation you receive may influence the selection, appearance, and order of appearance of the offers listed.
* The consumer is not charged to receive offers.
* The offers shown do not reflect an exhaustive list of available offers or products.

#### Here is an example of the Advertiser Disclosure:

> The offers that appear are from companies which {Insert Company Name}, and its partners receive compensation. This compensation may influence the selection, appearance, and order of appearance of the offers listed below. However, this compensation also facilitates the provision by {Insert Company Name} of certain services to you at no charge. The offers shown below do not include all Financial Services companies or all of their available product and service offerings.

<figure><img src="https://3849802388-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MeMvVDbjd8vJWZ9Hwf0%2Fuploads%2Fgit-blob-e1e361f030d638da0d089b5078fa8f1c7fef43df%2FAD_link.png?alt=media" alt=""><figcaption></figcaption></figure>

### Additional Disclosures

These disclosures must appear at the bottom of every page where information is collected or offers are displayed, or one click away from every page of the consumer experience. Here is the language for these disclosures:

#### General Offer Disclosure

The offers presented to you are based on information that you provided to this site. These offers do not include all companies or all available products. Neither Fiona nor this website endorses or recommends any companies or products. All rates are presented without guarantee and are subject to change pursuant to each provider’s discretion.

#### Banking Offer Disclosure

There may be certain minimum deposit and/or other funding requirements as well as restrictions placed in order to open an account and/or to earn the stated Annual Percentage Yield. Maximum balance limits may also apply.

A high interest checking account has features of both savings and checking accounts allowing for interest to be paid on the money in your account balance. These accounts may have certain additional requirements, exclusions, fees and certain minimums in order to earn the interest rate. Please make sure to review the details and Terms and Conditions for each provider.

**APY** stands for **Annual Percentage Yield**. It’s different from an interest rate because it takes into account compounding interest. The APY is subject to change before and after account opening.

**MMA** stands for **Money Market Account**. It’s a savings and checking hybrid, allowing you to earn interest and write checks 6 times a month.

**CMA** stands for **Cash Management Account**. It’s an account with an SEC-registered broker dealer that allows your funds to be swept nightly to an interest bearing account at a federally insured depository institution.

#### Engine by MoneyLion Disclosure

ML Enterprise Inc. is the technology platform powering financial services online. Engine by MoneyLion’s API enables its partners to connect their users with real-time decisions and personalized offers and rates from premium financial services providers. All decisions and rates offered, are the responsibility of the participating partners. Any trademarks used in connection with products or services appearing on this website are the sole property of their respective owners. No affiliation or endorsement is intended or implied. Engine by MoneyLion’s offices are located at 50 West 23rd Street, Suite 700, New York, NY 10010, Telephone number: (800) 614-7505. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only.

In the example below the Additional Information Discloses link opens a modal on click, reiterating the Advertiser Disclosure and provides the Additional Information Disclosure. You can choose to make this language available in the manner that works best for you. However, it must be one click away for the user.

<figure><img src="https://3849802388-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MeMvVDbjd8vJWZ9Hwf0%2Fuploads%2Fgit-blob-785d6fe2bf1ac6ce305e73bb405a567041e7f9f7%2FDisclosures.png?alt=media" alt=""><figcaption></figcaption></figure>

Here is the modal:

<figure><img src="https://3849802388-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MeMvVDbjd8vJWZ9Hwf0%2Fuploads%2Fgit-blob-e3005047c508c26be72fd2f60ad7c7c3889b1be1%2FAD.png?alt=media" alt=""><figcaption></figcaption></figure>


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