Advertising law
An enabler, not a roadblock
Advertising credit and financial products is tightly regulated. The ASIC Act, the Corporations Act, the National Credit Act and ASIC’s Regulatory Guide 234 all shape what you can say, and how. Get it wrong and you risk ASIC action, complaints to Ad Standards or the ACCC, and campaigns pulled mid-flight.
We work alongside your marketing and legal teams to get campaigns approved quickly and compliantly. We understand your products and your brand, so our reviews focus on fixing the risk, not rewriting the creative.
Who we act for
Reviews for regulated brands
Banks
Consumer, business, wealth and brand campaigns across every channel.
Non-bank lenders and car finance
Lending campaigns, including automotive finance offered with vehicle manufacturers.
BNPL and fintech providers
Fast-moving digital campaigns, apps and social media.
Consumer brands
Trade promotions, competitions and marketing that uses customer data.
How we help
Our advertising law services
- Collateral reviews across websites, digital banners, eDMs and direct mail, social media, influencer marketing, TV, video, point of sale and print
- Advice on misleading or deceptive conduct and ASIC Regulatory Guide 234
- Credit advertising under the National Credit Act and ASIC Act
- Financial product advertising under the Corporations Act and ASIC Act
- Advertising policies and guidelines for your marketing and legal teams
- Trade promotions and competitions, including terms and conditions, permits where required and related collateral
- Direct marketing under the Spam Act, Privacy Act and Do Not Call Register regime, including marketing versus servicing messages
- Responding to ASIC, ACCC and Ad Standards inquiries and complaints
Selected work
Recent advertising matters
Advertising guidelines
Drafted advertising guidelines for a financial institution to implement across its marketing.
Trade promotions
Advised a large retailer on the terms and conditions for a game-of-chance promotion, and managed the legal process from start to finish.
Big 4 bank
Reviewed and signed off advertising collateral and campaigns across a big 4 bank’s consumer, business, wealth and brand channels.
Lenders and BNPL
Reviewed campaigns for banks, non-bank lenders and BNPL providers, including automotive finance products across a number of vehicle manufacturers.
Why Hindsight
Why marketing teams choose us
Fixed price per review
We charge a fixed price for each piece of collateral and campaign, so legal costs are predictable.
Set turnaround times
Two business days for general matters and 24 hours for urgent ones.
We know financial services
We’ve reviewed campaigns for major banks, lenders and BNPL providers.
Partner-supervised, every matter
Every review is supervised by one of our Founding Partners.
Our partners
The team behind your campaigns
Our advertising work is led by our Founding Partners, who have reviewed and signed off campaigns for major banks, lenders and BNPL providers.
Michael Lazar
Founding Partner
Formerly NAB and Dentons. Advises banks, credit providers and SMSF lenders on regulation and structuring.
AJ Sridaran
Founding Partner
Formerly Macquarie Bank and Dentons. Legal 500 ‘lawyer to note’ in fintech and financial services regulation.
Recognised by the Legal 500 and Lawyers Weekly
Meet our partners →FAQs
Frequently asked questions
How does your advertising review service work?
You send us the collateral, we review it against the relevant laws and your product terms, and we come back with clear, practical changes within the agreed turnaround time. We can also meet regularly with your marketing and legal teams to stay across upcoming campaigns.
How much does a review cost?
We charge a fixed price for each piece of collateral or campaign, agreed upfront.
What is ASIC Regulatory Guide 234?
RG 234 is ASIC’s guidance on advertising financial products and services, including credit. It sets out ASIC’s expectations on things like headline claims, warnings and disclaimers, comparisons and the overall impression an ad creates.
Do we need a permit for a trade promotion?
It depends on the type of promotion and the states and territories it runs in. Games of chance may need a permit in some jurisdictions. We can advise and handle any permit applications.
Is an email to a customer marketing or servicing?
It depends on its content and purpose. A message with marketing content may need to comply with the Spam Act even if it also has a servicing purpose. We help you draw that line.
Talk to us
Need a campaign reviewed?
Book a call and we’ll set up a review process that fits your team, with fixed prices and turnaround times.