[HN Gopher] Google and Microsoft have opaque and unpredictable a...
       ___________________________________________________________________
        
       Google and Microsoft have opaque and unpredictable ad moderation
        
       Author : danuker
       Score  : 156 points
       Date   : 2021-07-12 17:33 UTC (5 hours ago)
        
 (HTM) web link (dkzlv.medium.com)
 (TXT) w3m dump (dkzlv.medium.com)
        
       | jeroenhd wrote:
       | Looking at the ad they placed, I'd have considered this ad as a
       | scam. Starting an ad with [safe] tells me that the product is
       | instead unsafe. Safeapps.io isn't exactly a very convincing
       | domain either. The, uh, "design language" the website uses would
       | be the final nail in the coffin.
       | 
       | The entire thing just looks like a badly built scam. Every
       | individual decision can maybe be explained as a branding or
       | design choice, but the end product just doesn't look reliable.
       | 
       | I don't think Google gives a shit about your blog articles about
       | how Google is bad, every tech company has written one of those at
       | this point. They're also not as much anti-privacy, they're anti-
       | anti-anti-privacy. A privacy focused product is fine, a product
       | that prevents Google from stalking you not so much.
       | 
       | It'd definitely be a false positive, but the truth is that if I
       | saw this ad, I'd definitely click the "report" button.
        
         | smoldesu wrote:
         | I'm 100% behind you on this. Worth noting that while the app
         | _does_ appear to be open-source, there appears to be no way for
         | you to self-host the service at the moment. Regardless of how
         | scammy it _actually is_ , funneling every user into a $60/year
         | subscription service is one of the biggest scamming tactics
         | I've seen on the web.
        
           | dkzlv wrote:
           | Is it a scam to charge a price for a product?
           | 
           | We're freemium. You're not forced to get a subscription right
           | away. You can even use the product without it at all.
           | 
           | > there appears to be no way for you to self-host the service
           | at the moment
           | 
           | We will provide such an option if there will be any demand.
           | For now it would just waste a lot of our time without any
           | real output. Still, you can do this if you want.
        
             | smoldesu wrote:
             | Consider this the beginning of the demand, then: I'm not
             | going to use this service unless I can self-host it.
        
               | dkzlv wrote:
               | If you're interested in this, please reach me out at
               | dan@safeapps.io. I need some more information to move it
               | up in the backlog, maybe you could help us with that?
        
         | QuercusMax wrote:
         | You're not wrong about the look and feel of that website - I
         | would run far far away before I gave money to a website that
         | looks that scammy.
         | 
         | (disclaimer: I work for Google, in a division that has nothing
         | to do with ads.)
        
           | dkzlv wrote:
           | What is it that you don't like about the design? I just tried
           | not to follow the common guidelines for the design and make
           | the design more... developer friendly?
        
             | wruza wrote:
             | I don't find your site murky or scamlike because of design,
             | honestly, that would be stupid. And if I wanted to make a
             | scam site, I'd just copypaste Stripe or something, and I
             | expect that from any intelligent scammer.
             | 
             | There is nothing wrong with it, apart from my usual
             | criticism to landing pages like this: I still have no clue
             | what is it for, or who I must be to use it, what exact
             | problem I have that it could solve. But that's in line with
             | virtually everything. Nobody puts a history like "Tired of
             | manually entering your invoices? Want automatic
             | categorizing of expenses? Your bank formats are illegible
             | crap? ..." anymore.
             | 
             | I wonder what critics above think of e.g. curve.fi, which
             | is serious enough to eat $1000 per transaction.
             | 
             | Edit: yeah, the app looks more like "modern" "design"
             | "thing" to me, but it's just me missing clear UI borders
             | and color-cued sidebars and property sheets.
        
               | dkzlv wrote:
               | Thanks for your support across the thread. It is kind of
               | difficult to oppose to a lot of people screaming "scam"
               | into your face :)
               | 
               | > Nobody puts a history like
               | 
               | Yeah, a bunch of people here told me we have a huge
               | problem with copy. Will rework it. Storytelling is not my
               | feature, but I'll try my best :)
               | 
               | > it's just me missing clear UI borders and color-cued
               | sidebars and property sheets
               | 
               | Will think of a better way, thanks!
        
             | QuercusMax wrote:
             | I'm not sure what you mean by "developer friendly"
             | (monospace font?) but it doesn't look like a financial
             | services site I'd trust. The rainbow borders which change
             | on hover and that stuff screams "my first time playing with
             | CSS", not "you should trust us with your $$".
             | 
             | Also, the name and domain seem like you're compensating for
             | something, or trying to trick people. If a bank has big
             | signs saying, "No, we won't steal your money, promise" that
             | opens up a whole lot of questions. Why do you need to put
             | "safe" all over the place? Is there some reason I should
             | think it _isn 't_ safe?
        
               | dkzlv wrote:
               | > screams "my first time playing with CSS", not "you
               | should trust us with your $$".
               | 
               | Lol :) Thanks for your honest feedback! The app looks
               | more traditional, btw. (https://imgur.com/a/KabWkNS)
               | Based on the feedback here I will probably change the
               | landing page to something more traditional.
               | 
               | > Also, the name and domain seem like you're compensating
               | for something, or trying to trick people
               | 
               | Wow, that is the opposite thing we were aiming for. There
               | are a lot of other apps that provide the same value while
               | being completely unsafe to use. We're just emphasizing on
               | the core value. Strange to hear that it causes the
               | opposite reaction.
        
             | pkghost wrote:
             | Part of it is the English-as-a-second-language vibe.
             | "Privacy-first money tracker" feels very clumsy to me as a
             | native speaker, and I have zero interest in giving my
             | financial credentials to an open-source product that... I
             | also have to pay for?
             | 
             | Bottom line: financial products require an incredibly high
             | degree of trust for most people, and this feels very much
             | like the work of a sincere developer working alone and
             | without a lot of product design experience. All the little
             | issues (copy, design, presentation, unknown solo developer)
             | that would be forgivable in a product of any other kind
             | become red flags and deal breakers when my finances are
             | concerned.
             | 
             | I hope this is helpful feedback! Keep on building!
        
             | ipaddr wrote:
             | Maybe I'm in the minority but I loved your design. I'm just
             | a developer but I don't think I've seen a nicer looking
             | design in a long time.
             | 
             | I'm not sure it's a high converting site because I couldn't
             | understand what you were offering but I'll remember the
             | design.
        
         | dkzlv wrote:
         | Hi there! I'm the founder of this app.
         | 
         | It's very upsetting that you found us scam-alike. It was never
         | meant to be this way. If anything, we're trying to be the
         | opposite: we open-sourced the whole app, we do not ask for your
         | email during sign up, we wrote a post about our security
         | measures in details (https://safeapps.io/content/security).
         | 
         | We'll work on our marketing to be more... convincing?
        
           | jeroenhd wrote:
           | I don't believe your app is a scam, I think it's just a
           | combination of unfortunate design and language decisions.
           | Your product seems absolutely fine to me, and I have no
           | doubts about the technical measures you've taken.
           | 
           | The first thing that comes to mind for building a better
           | reputation is probably your branding. Picking "safe" as a
           | software brand gives off a paradoxical feeling of unsafety,
           | in the "[safe] free Windows 12 download [open
           | source][free!!].dll.bat.exe" kind of way. Adding a tag like
           | [safe] or [free] or (recommended) is something spammers and
           | scammers do to try to convince their victims to click. I
           | don't think you can pull something like that off without
           | being a well-known brand first, not with that brand name.
           | Matrix.org, for example, has the [Matrix] brackets as a
           | brand, but the word "matrix" isn't used for anything dubious.
           | Their links also don't use the [brand] marking in their ads.
           | 
           | Because of all this, I think your brand (unintentionally)
           | mimics a lot of scam ads, which is why my first thought would
           | be "this is a scam, report". Your website, "safeapps.io", has
           | a feeling I associate with "securefiles.com" or
           | "freewindowsupdatez.net" for much of the same reasons.
           | 
           | Your TLD, .io, is very popular for modern (web) developers
           | but when I think about my bank details, the British Indian
           | Ocean Territory isn't exactly what comes to mind. Perhaps a
           | minor detail few people will fall over, but it's kind of
           | ironic to have the TLD of a remote island nation for a
           | financial software package :)
           | 
           | Perhaps I'm not your target audience, but I want any service
           | I trust with information about my finances to be
           | professional. Your website seems inspired by popular, modern,
           | energetic branding, the kind I'd expect from a soda brand or
           | a kids' commercial. I'd personally much prefer a boring, run-
           | of-the-mill Bootstrap theme with some added branding over the
           | artsy website you've created. That's just a personal
           | preference, of course; maybe you want to show that you're not
           | one of those stuffy bankers, and maybe I'm just too boring to
           | get that. Modern marketing has shown that this strategy
           | definitely attracts some people.
           | 
           | In the end, I'm just a random voice on the Internet. I'm no
           | marketeer, I've never met any investors, and I don't run paid
           | service of my own. You probably shouldn't base your entire
           | marketing campaign on my ramblings.
           | 
           | I do think you should think about your branding, though,
           | especially the way you present it in ads, and consider
           | picking a brand name that's not as easy to confuse with a
           | link that'll install malware. Besides, you can probably use a
           | more recognisable brand name than "safe money". "[SOTANY]" or
           | many other words from thisworddoesnotexist.com probably work
           | a lot better for a software brand than "[safe]"!
        
             | dkzlv wrote:
             | Your input is invaluable, thanks. Honestly, I appreciate it
             | 
             | I see that your comment got the most upvotes here, so it IS
             | what I needed to hear.
             | 
             | At least I won't need to change a lot in the product itself
             | as it actually has a rather boring and standard design:
             | https://imgur.com/a/KabWkNS
             | 
             | I think we'll go with your idea of changing the brand and
             | the landing. Might help.
        
               | jeroenhd wrote:
               | I'm glad I could help. Best of luck to you and your
               | project!
        
         | crazygringo wrote:
         | Seriously. The first couple times I read it, anything about
         | "anonymous" "encrypted" "finance" sounds like this is either
         | going to lead to paying for drugs or it's going to steal your
         | money. And Google bans certain types of cryptocurrency ads.
         | 
         | After reading it a third time, I realize I guess it's just an
         | open-source version of Mint?
         | 
         | But the author provides _zero evidence_ that Google bans ads
         | for  "privacy-first services". It was probably classified as a
         | crypto scam or similar.
         | 
         | Just write a better ad that's clearer about what it's actually
         | advertising, for goodness' sake. And make the product's website
         | a bit more professional looking too -- it _looks_ like a scam.
         | There 's no way I'd trust my finance credentials to _anybody_
         | who built a site that looks like... a weirdly updated version
         | of a GeoCities page?
        
           | dkzlv wrote:
           | Hi there! I'm the founder of this app.
           | 
           | > After reading it a third time, I realize I guess it's just
           | an open-source version of Mint?
           | 
           | Well, not a great sigh for us, but at least... you guessed
           | right!
           | 
           | > But the author provides zero evidence that Google bans ads
           | for "privacy-first services". It was probably classified as a
           | crypto scam or similar.
           | 
           | I made this conclusion based on the information provided by
           | my friends working in Google and Microsoft. Again, there's no
           | way I can reliably say the _real_ reason because all Google
           | said was " _Unacceptable Business Practice_ " linking to this
           | page. (https://support.google.com/adspolicy/answer/6020955?hl
           | =en#36...)
           | 
           | That's actually more or less the point of the article: you
           | get banned for life for no apparent reason. Is that how it's
           | supposed to be?
           | 
           | > it looks like a scam
           | 
           | What is it that you don't like about the design? I just tried
           | not to follow the common guidelines for the design and make
           | the design more... developer friendly?
        
             | throwaway3699 wrote:
             | If it looks like a scam, then false positives are
             | unavoidable. These companies are trying to protect average
             | people from being scammed on their services, and I would
             | honestly prefer they keep doing this. I do not want to
             | spend hours on the phone to the bank with a shaken
             | grandparent again (after they get cryptoscammed).
             | 
             | Claiming they are against "privacy-first services" is just
             | creating a victim narrative where one does not exist. As
             | people keep saying here on this very website, these
             | platforms do not owe you a microphone.
             | 
             | Also, just one bit of advice, most developer types will
             | have adblockers, so you're really not going to have a great
             | time trying to target them with adverts.
        
         | autoexec wrote:
         | I don't see anything about the overall design of the site that
         | makes it look scammy. It looks pretty clean and even works well
         | with JS disabled. If only every open source project had a site
         | that nice!
         | 
         | One red flag I did notice was some awkward phrases/english.
         | 
         | "Phones support"
         | 
         | "This is why you need an open community that will point at your
         | lies or convinces newcomers this app is safe."
         | 
         | "...if you're not a new kid in the block"
        
           | jeroenhd wrote:
           | It could just be my phone, but the style choice and website
           | design reminds me of a scrapbook. The fonts are all over the
           | place, the colour blobs are distracting, there's a lot of
           | focus on how the product is free to try out. The text boxes
           | are wonky and overlapping each other and there are some lines
           | of super small text on the bottom.
           | 
           | This could just be a mobile compatibility issue to be honest,
           | but in my eyes this doesn't look like a website that I would
           | trust with my financial information. Sure, they say all my
           | info is encrypted, but so did Zoom at some point.
           | 
           | If I'm going to throw my financial data at something, I want
           | its website to look professional. This website looks more...
           | whimsical to me. That's a fine choice for a website
           | advertising a text editor or social media client, but money
           | is serious business. That first impression is extra important
           | with such questionable ads and such a questionable domain
           | name.
        
           | oehpr wrote:
           | autoexec was downvoted but looking at the site doesn't strike
           | me as an obvious scam. https://safeapps.io/
           | 
           | Could someone please elaborate on the aspects you feel are
           | deeply obvious to the point of not pointing them out? I seem
           | to be missing them as well.
        
             | QuercusMax wrote:
             | The graphic design on the page is extremely amateurish.
             | Rainbow borders, weird typeface choices, misaligned
             | elements - somebody else said it looks like something from
             | Geocities, and that's pretty accurate.
             | 
             | Compared to mint.com, which I guess it's competing with, it
             | looks unprofessional and something I wouldn't want to trust
             | my sensitive data with.
             | 
             | Just imagine if there were a new bank which was decorated
             | like... a head shop, or strip club, or something like that.
             | Would you want to bank there?
        
               | wruza wrote:
               | _Compared to mint.com_
               | 
               | Which greets you with a "please close me" popdown,
               | stutters because of a video, which plays below
               | transparent text, jumps around at vertical scroll and
               | couldn't prevent it on horizontal carousels. _That_ looks
               | unprofessional.
               | 
               | Not to mention nauseous light-light-bleached green
               | colorscheme. (I guess it ought to resemble mint)
        
             | Bjartr wrote:
             | I think it's more how they aren't following the unwritten
             | "corporate website" aesthetics playbook and looks way more
             | artsy, even fly-by-night (I think that's largely up to the
             | use of a monospace font). Which is technically fine.
             | However if you're told someone you're about to be shown a
             | money management site and show them this you'll get some
             | raised eyebrows, similar to how if you told them they're
             | about to see a bank teller and you showed them someone in a
             | tie-dyed tshirt.
        
             | heavyset_go wrote:
             | There's no stock art from Humaaans and it doesn't look like
             | a generic BigTechCorp website.
        
       | randy408 wrote:
       | This reminds me of Google hiding ProtonMail from their search
       | results: https://protonmail.com/blog/search-risk-google/
        
       | andrewnicolalde wrote:
       | This is an aside but check out their security page:
       | 
       | https://safeapps.io/content/security
       | 
       | That's what I'd like to see from any security page!
        
         | dkzlv wrote:
         | Thanks!
         | 
         | Most of our competitors say they have "strong encryption", but
         | when you read the page it actually means they have SSL. Or that
         | they use SHA256 for hashing the passwords. That is...
         | disappointing.
        
       | TameAntelope wrote:
       | I think a reasonable law we could pass in the US is that a
       | company of a certain size or larger has to have some way of
       | speaking to a human being about conducting business with that
       | company.
       | 
       | I also think companies should be able to determine that working
       | with another company is too risky, such as what happened here.
       | 
       | Do we really think people are _entitled_ to use Google or
       | Microsoft services? If so, shouldn 't those services just be
       | nationalized?
        
         | lutorm wrote:
         | It's probably more reasonable to invoke antitrust if companies
         | have such a dominant position that getting banned from one
         | dooms your business.
        
           | TameAntelope wrote:
           | I'm not convinced that fits our current antitrust laws, or
           | even how you would legislate that.
        
             | heavyset_go wrote:
             | Antitrust laws address many things, but they tend to focus
             | on a firm's, or a group of firms, ability to either control
             | prices or exclude competition. I'd argue that this incident
             | could be seen as a group of firms preventing another firm
             | from competing.
        
         | fighterpilot wrote:
         | "If so, shouldn't those services just be nationalized?"
         | 
         | This definitely doesn't (and shouldn't) follow from an entity
         | receiving a common carrier-type designation.
        
           | TameAntelope wrote:
           | My understanding was that Section 230 is just a legal
           | shortcut to shorten how long a case takes to arrive at the,
           | "Oh, this is their First Amendment right as a private
           | company." conclusion.
           | 
           | Were Section 230 to be revoked, my understanding is that no
           | change would actually occur, other than cases related to it
           | taking longer.
        
             | heavyset_go wrote:
             | Section 230 just makes operators of interactive computer
             | services not liable for serving user-generated content. It
             | applies to all interactive computer services.
             | 
             | It doesn't give companies common carrier-like designations,
             | and unless they're telecoms, they don't actually have such
             | designations regardless of what Section 230 says, so I'm
             | not sure what the GP was getting at.
        
             | PeterisP wrote:
             | Were section 230 to be revoked, it would not change the
             | platform rights to remove content, but it would enable
             | lawsuits to the platform as they may be considered
             | responsible for leaving stuff up, especially if there were
             | any complaints - so it would push companies to have much
             | more trigger-happy ban regimes than now; having a no-appeal
             | autoban for the first complaint would become a reasonable
             | default strategy.
        
       | ademup wrote:
       | I wonder if it has something to do with the brackets. [safe]
       | looks wrong to me (like a placeholder, or a word that was auto-
       | replaced by a spyware detector).
       | 
       | Because yeah, nothing seems to be amiss in the ad. Sorry to see
       | you so poorly treated by the tech giants.
        
         | dkzlv wrote:
         | Hi! Author's here.
         | 
         | Hell, it's AN INNOVATION I came up with -- or at least so I
         | thought I thought most people would be able to see this name
         | instantly BECAUSE of the brackets, lol.
         | 
         | Thanks for your sympathy, I appreciate it.
        
       | api wrote:
       | I will pay for a higher quality search engine that respects
       | privacy and gives me greater control over the search process with
       | advanced search tools.
       | 
       | I don't think I am alone.
        
       | heavyset_go wrote:
       | If you're in the US, contact your state's Attorney General, and
       | the US AG, offices.
       | 
       | It looks like they're gearing up for antitrust action, and this
       | is a good example of how large companies' anticompetitive
       | behavior is stifling innovation and destroying small businesses.
        
       | _def wrote:
       | I just want to say that I really want a product like this.
       | 
       | About the moderation: it's just like the nightmare with YouTube
       | and Content ID.
       | 
       | False positives are better than false negatives when it's about
       | scams and such. But, my God, tech giants just give people a way
       | to sort this stuff out!
        
       | [deleted]
        
       | tyingq wrote:
       | Not that you should have to, but words like "Home Budget and
       | Finance Tracking" would make it more clear what it is. Lead with
       | that generic terminology. Then sprinkle in the "encryption"
       | stuff.
       | 
       | Leading with "Encryption" and "Finance" is probably what caused
       | the ban. It got put in the bucket of "shady crypto currency
       | stuff" or "internet money laundering".
       | 
       | Though, yes, it's a shame the system doesn't first issue a
       | warning, and let you reply with a message to a real human with
       | context before a ban happens.
        
         | dkzlv wrote:
         | Hi! Author's here.
         | 
         | We submitted multiple appeals, but they were all declines --
         | presumably, by real humans. I appreciate your feedback on the
         | copy though. I guess, no harm in trying.
        
       | EVa5I7bHFq9mnYK wrote:
       | Probably Google AI has decided that "encryption" and "finance" in
       | the same sentence means "bitcoin" and banned you automatically.
        
       | bdcravens wrote:
       | I personally think the way the ad was written it seems to suggest
       | anonymous transactions (not the case of course), but I also would
       | look at this statement:
       | 
       | "we do not impersonate other brands"
       | 
       | The domain is safeapps.io. Not only does this name seem very
       | similar to other applications, some of which are on the Google
       | Play (https://play.google.com/store/apps/details?id=com.hopeheali
       | n...), a service provider (https://safemoney.com/) and even a US
       | military domain (https://safe.apps.mil/). Additionally, on the
       | page the word "safe" doesn't even show up, suggesting the domain
       | name is a squat. I don't believe that it's a squat, but the
       | author is jumping to some big conclusions without looking at some
       | potential causes.
        
         | armoredkitten wrote:
         | Bad design, but if you hold your mouse over the "[] money" logo
         | at the top, the word "safe" appears. I don't really understand
         | why someone would choose to create a design that actively hides
         | their own branding...but the word _is_ there.
        
         | grayhatter wrote:
         | You're right, of course... but it would be nice if they didn't
         | have to make assumptions, or jump to these conclusions though
         | wouldn't it?
        
       | deregulateMed wrote:
       | Where would I see a Microsoft ad? My corporate laptop doesn't
       | have candy crush on it.
        
       | ydlr wrote:
       | I feel bad for the author, but I am perfectly fine with a few
       | false positives if it means more scams are blocked. I'd even be
       | okay if the number of false positives is higher than the actual
       | scams blocked if it meant very very few scams make it through the
       | filters.
       | 
       | I think Google should be liable for scams on its network. They
       | should either: 1. Figure out a way to better automate scam
       | filtering, 2. Hire a massive number of people to review each ad,
       | or 3. Downsize their business until they can manage it
       | responsibly.
       | 
       | Google is not entitled to their scale. If they cannot responsibly
       | run a business at its current size, they should be forced to
       | downsize until they can.
        
       | ThePhysicist wrote:
       | To be honest, after reading the privacy policy of the service
       | (https://safeapps.io/content/privacy) I would not trust them with
       | my financial data. No properly registered company is named and
       | the policy says things like                   The personal
       | information we collect is stored and/or processed in United
       | States, Netherlands, and Russian Federation, or where we or our
       | partners, affiliates, and third-party providers maintain
       | facilities.
       | 
       | How is that privacy-first or even legal? That clause alone is in
       | direct violation of GDPR and CCPA. So I'm not surprised that this
       | got banned.
        
         | freeone3000 wrote:
         | A reasonable assumption would be that EU data is processed in
         | the Netherlands, Russian data is processed in the Russian
         | Federation, and that Rest-of-World data is processed in the US.
         | This complies with all of the listed regulations, but it would
         | be nice to have this explicitly broken down.
        
         | dkzlv wrote:
         | Author's here.
         | 
         | It is a standard privacy policy generated by getterms.io.
         | 
         | We have no data on you. You can read about our security model
         | here (https://safeapps.io/content/security) and walk through
         | our source code here (https://github.com/safeapps-io). TL;DR:
         | every bit of data you create within the product is encrypted in
         | the browser. The server only sees a blob of encrypted bits,
         | that's all. You can sign up without an email. But if you do, we
         | use Sparkpost for sending emails, which is a EU-based ISP. We
         | do not have any third-party scripts or cookies across all the
         | site at all. No Google Analytics, no Facebook Pixel, no
         | Intercom support chat. We use German hosting and I'm personally
         | from Russia.
         | 
         | So no, we do not violate GDPR (but we do violate Russian laws
         | because we do not have any servers in Russia). And we do take
         | privacy seriously.
        
         | pbhjpbhj wrote:
         | How does this violate GDPR?
        
           | ThePhysicist wrote:
           | You can't store EU resident's data in the Russian Federation
           | as the laws there do not provide an adequate level of data
           | protection. Likewise you can't store it in the US in
           | principle, although the situation is more complicated there
           | legally. The CCPA has similar requirements regarding data
           | residency for data belonging to US citizens as far as I know
           | (not an expert on that though).
           | 
           | Also, the website does not name a data protection
           | representative in the EU. In fact, I couldn't find any
           | information about the country that the company is based in (I
           | assume Russia), or if there even is a registered company to
           | begin with, which is another no-go. If you want to operate a
           | privacy-first service you should at least make sure the basic
           | formalities are met, and that includes naming who exactly is
           | processing your data for which purposes.
        
       | _Nat_ wrote:
       | You might want to get some feedback on ads before posting them.
       | Some of the advice you got seems reasonable. Personally, if I had
       | to make an ad for a similar product, I might try to get a good
       | picture of the software graphing something, with a concise,
       | title-like summary of what it does.
       | 
       | Miscellaneous opinions:
       | 
       | 1. The ad started with " _[safe] money_ ". I imagine most people
       | would instantly disregard it as a scam and not bother reading
       | further.
       | 
       | 2. The ad references crypto. While crypto can be awesome, it's
       | also great for scammers and the like. So if your ad is already
       | at-risk for looking scam-y, stressing an association with a safe-
       | haven for scammers might not do any favors.
       | 
       | 3. The ad has a sentence start with " _Tracking_ ", then a line-
       | break. People who want privacy generally don't want to be
       | tracked, so that might be a poor happenstance.
       | 
       | 4. It's not immediately clear how the app is end-to-end
       | encrypted. That claim usually makes more sense if it's like a
       | messaging-service, where end-to-end crypto implies security
       | against the server. But if clients are just contacting the
       | server, then " _end-to-end_ " would seem misleading.
       | 
       | 5. The ad said " _100% open source_ ". Unlike most of the stuff
       | in it, that part does inspire more confidence. So much so that,
       | personally, I might lead with it before even saying what the
       | product is, or else immediately afterward.
        
         | tlogan wrote:
         | And I would also suggest to change website name. safeapps.io is
         | similar to safe.apps.mil. Also safeapps.io does not convey what
         | the app is actually doing. Maybe Open-source-money-manager.com,
         | yet-another-money-manager.com,... Because this app is a money
         | manager - correct?
        
         | dkzlv wrote:
         | Hi! I'm the author.
         | 
         | 1. it's hard to judge about that right away. It would be cool
         | to see the ads data beforehand. If I saw the ad performs poorly
         | I would change it obviously. "[safe] money" is our brand, so it
         | would be strange not to start with it.
         | 
         | 2. the ad does not reference crypto. We had a mention of it on
         | the landing page, that is all. We allow people to pay with
         | crypto along with banking cards -- so it's kind of your
         | decision to go one way or another.
         | 
         | 4. its more or less the same. You can be e2ee if you, say, have
         | an encrypted version of Google Drive. e2ee in this case means
         | that even though there's a server (which we also have) it
         | cannot read the data in any way. We're mostly the same.
         | 
         | 5. ok, we'll think about it, thanks!
         | 
         | Thanks for your detailed feedback.
        
       | paxys wrote:
       | The article alleges multiple times that they were banned because
       | they are a privacy-first service, but that is definitely
       | incorrect. Many similar companies run ads on Google all the time
       | - VPN providers, alternative browsers, browser extensions, secure
       | email, encrypted messaging. I have seen ads mentioning the exact
       | terms (crypto, blockchain, encryption) they the author alleges
       | are banned.
       | 
       | The simpler explanation is that their site got caught by some
       | spam/scam filter.
        
         | dkzlv wrote:
         | Hi, I'm the author.
         | 
         | That was my first thought, but the problem is that the site was
         | moderated by actual human beings and all the appeals were still
         | denied.
         | 
         | > Many similar companies run ads on Google all the time
         | 
         | Like I said in the end of the article, it's a thing that is
         | allowed for established companies, because I too run into such
         | ads all the time. I made this conclusion based on the
         | information provided by my friends working in Google and
         | Microsoft. Again, there's no way I can reliably say the _real_
         | reason because all Google said was "*Unacceptable Business
         | Practice*" linking to this page. (https://support.google.com/ad
         | spolicy/answer/6020955?hl=en#36...)
        
       | hn_throwaway_99 wrote:
       | Google gets lots is shit for having opaque customer support, the
       | problem is I have never seen any suggestions that wouldn't
       | actually create worse problems.
       | 
       | No offense to the poster, but everything about this service, the
       | ad, the copy, etc. make me think "major scam". If you are
       | offering a legitimate service, it looks like you're trying as
       | hard as possible to be confused as a scam.
       | 
       | So, from Google's perspective, when they see this, they respond
       | with some generic "this looks like a scam" response, but
       | obviously if they gave enough detail on every little thing to fix
       | it would make scammers' lives much easier.
       | 
       | So while I've seen other cases where accounts have been frozen,
       | etc. with little recourse, and I have a ton of sympathy, in this
       | case I'm ok with Google making it hard to sign up if something
       | looks this much like a scam.
        
         | grayhatter wrote:
         | I agree nearly everything from the site looks shady. But I'm
         | not convinced that being opaque about why something was
         | rejected is what's preventing scammers from making stuff that
         | doesn't look like a scam. Scams look like trash because the
         | effort to reward has to match. If you're gonna spend hours and
         | hours perfecting some scam site, you might as well just provide
         | the service. Obviously there are some tradeoffs but hell, even
         | a generic link to a user support group would prevent small,
         | inexperienced people from getting crushed by the cogs like
         | this.
        
         | autoexec wrote:
         | I don't understand what "looks like scam" means here. How is
         | the ad substantively different than other non-scam-looking ads
         | for financial services?
         | 
         | My view on this is somewhat skewed since I rarely see ads at
         | all, I tend to view every ad I do see as suspect, and consider
         | anything to do with money/finances to be especially suspicious.
        
         | [deleted]
        
         | CogitoCogito wrote:
         | I'm really confused by your whole argument. Is it a scam? If it
         | is not a scam, why does it matter that their ad looks like a
         | scam? Should companies be banned for poor ad design?
         | 
         | edit: It would nice if the downvoters could explain their
         | thoughts.
        
           | crazygringo wrote:
           | I'll explain. Some scams are actually more effective when
           | they _appear_ like scams, see [1] for the classic example of
           | why Nigerian Prince e-mail scams have intentional bad grammar
           | etc.
           | 
           | Any business that is sophisticated enough to build a genuine
           | product is also usually sophisticated enough to realize that
           | "the message is the medium", that a professional non-scammy
           | appearance is required for most customers to even consider
           | trusting it, and so invest in professional graphic design.
           | This goes _doubly or triply_ so for anything finance-related
           | or that takes your finance credentials -- that requires _huge
           | trust_.
           | 
           | So on those two principles, when something _looks_ like a
           | scam, it much more likely _is_ -- because for certain
           | categories of scams, scammers want it to look that way, and
           | non-scammers don 't. "Scammy apperance" is a genuinely
           | meaningful signal in practice.
           | 
           | But if you don't believe that, then there's this bridge I'm
           | selling... ;)
           | 
           | [1] https://www.businessinsider.com/why-nigerian-scam-emails-
           | are...
        
             | wruza wrote:
             | _Any business that is sophisticated enough to build a
             | genuine product is also usually sophisticated enough to
             | realize that "the message is the medium", that a
             | professional non-scammy appearance is required for most
             | customers to even consider trusting it, and so invest in
             | professional graphic design_
             | 
             | This is so middle-age stereotypical that I'm not even sure
             | if it's worth opposing. The first thing you see in _every_
             | financial app is how much unprofessional it really is with
             | regards to UI, and it only gets worse with time. It doesn't
             | take a ph.d. to understand that this "trust theater" is
             | just that, and it's beyond me how people trust someone with
             | their money based on some CSS (which is presumably fubar in
             | the source view).
        
           | JoshTriplett wrote:
           | Yes, companies should be banned for scammy-looking ad design.
           | 
           | It's not the job of an ad service to go "well, you look
           | really scammy, but digging deeper it turns out you might be
           | OK, so go ahead". Scammy ads make advertising worse for
           | everyone, even if they just _look_ scammy. That 's leaving
           | aside that "looks scammy" is a reasonable signal for "is
           | scammy".
           | 
           | I'm in the "all ads are bad" camp, but I can also observe
           | that scammy ads contribute to more widespread perceptions of
           | ads being bad, even among people who might otherwise
           | intentionally click on some ads.
        
       | jonnycomputer wrote:
       | For me, all of this just screams: they are too big, break them
       | up.
       | 
       | - can't do business because one business says no? ==> too big,
       | break them up.
       | 
       | - too big to give small businesses the time of day, or straight
       | answers? ==> too big, break them up.
        
       | CogitoCogito wrote:
       | > There's no bad intent here -- nobody targets me personally, who
       | even cares about me. It's a constant error in the processes that
       | came, probably, from a good place -- but it's no better for me.
       | Nobody will fix this error.
       | 
       | This is the truth and it's very depressing. I would personally
       | support either legislation forcing Google to be more transparent
       | of these bans or legislation ripping the company apart so that
       | they don't own the ad exchange, as well as sell ads themselves,
       | as well as everything else they have integrated. One can only
       | dream...
        
         | JoshTriplett wrote:
         | I think it's _bad business_ to be this opaque and to not point
         | to a specific policy detail. There 's also a case to be made
         | for whether the outsized impact of such refusals is evidence in
         | favor of a company being a harmful monopoly; I think it's
         | certainly supporting evidence in that direction. On the other
         | hand, this post talks about having a similar response from
         | Microsoft, and those companies didn't collude; they just have
         | similar policies, likely for similar reasons. This may have
         | been a false positive, or on the other hand, it might be a
         | _true_ positive; we don 't know much about this business or why
         | they were declined, but for instance the mention of "get out of
         | debt" in this context sounds shady, and "sounds shady" is not
         | an unreasonable threshold for denying an ad.
         | 
         | I also think "we reserve the right to refuse service to anyone"
         | applies no matter who you are. I don't support the idea of
         | legislation that _forces_ giving detailed policy responses, or
         | any responses at all.
         | 
         | Google (and others) have formed a business around having
         | policies so automated that half the people involved might not
         | even know what the policy is, just "computer says no" or
         | "computer flagged it and someone somewhere in the review
         | process said no". I don't think that practice should be
         | _banned_ ; on the contrary, it should be possible to try the
         | approach of using automation to be able to scale.
         | 
         | And that's a potential opportunity for other competitors; one
         | demonstrated path to success in competing with a company like
         | Google is providing better support and real human interaction.
         | 
         | If it turns out that a company is succeeding _in spite of_
         | awful service, it might be because their product is _just that
         | good_ to overcome that deficiency, or it might also be because
         | their monopoly prevents people from competing with them even
         | with a better product. That 's worth examining. But I don't
         | think that's an argument that people should be _forced_ to
         | explain why they don 't want to do business with someone; I
         | think that's an argument that we should make sure that it's
         | possible to compete fairly and offer _better_ service to people
         | who want better service.
        
           | marcosdumay wrote:
           | > I also think "we reserve the right to refuse service to
           | anyone" applies no matter who you are.
           | 
           | It should never apply to monopolies. Governments should
           | always go to all extent into making sure a market is
           | competitive, or make sure things like that do not happen. The
           | preference should obviously be the first one.
        
             | JoshTriplett wrote:
             | I agree; my argument is that that means we should consider
             | if there's a monopoly issue. We shouldn't write new
             | universal rules to address behaviors that only work if
             | you're a monopoly; we should determine if there's abuse of
             | a monopoly going on, and if so, treat the monopoly as the
             | problem to fix. Doing otherwise risks saying "well, the
             | monopoly is OK, as long as you fix this specific thing",
             | and even entrenching those monopolies _further_. (For
             | instance, even _if_ you believe that it 's acceptable to
             | mandate explaining every refusal to do business with
             | someone, taking the time to explain policies to everyone is
             | something that may in some cases be easier for a large
             | company but prohibitively hard for a smaller one.)
             | 
             | If you're abusing a monopoly in a way that prevents other
             | people from coming in and doing better than you, _that 's_
             | the issue, not the specific manifestation of how you're
             | abusing it.
        
           | dkzlv wrote:
           | Hi! Author's here.
           | 
           | > On the other hand, this post talks about having a similar
           | response from Microsoft, and those companies didn't collude
           | 
           | As I wrote, I got the ban from Microsoft minutes after Google
           | even before I created an ad or told them what site I planned
           | to advertise. So my guess is that they do exchange data about
           | potential fraudsters.
           | 
           | > applies no matter who you are
           | 
           | In this case we're talking about a monopoly that is the
           | internet's gatekeeper. If they decide they can refuse their
           | service to us, we die, no guesses. Is that the right way?
        
       | metalliqaz wrote:
       | I find the writing style of this article very difficult to read.
       | 
       | What we are seeing here is just one result of the Internet being
       | dominated by a small handful of companies. Ad networks, social
       | media, app stores, search ranks... it all stems from the same
       | root cause.
        
       | [deleted]
        
       | turnerc wrote:
       | > None of my friends could tell me the specific reasons why I was
       | banned. It's mostly because they do not understand their own
       | rules
       | 
       | It's because policies are in place to prevent them from doing so,
       | you won't get special treatment or they will be out of a job.
       | 
       | Without seeing the Ad data it's hard to say but Financial
       | products have a lot of policy in place and it's not enough to be
       | ready to provide certification, in some instances you must do
       | this beforehand.
        
         | trentnix wrote:
         | Who watches the Watchmen?
        
           | xnyan wrote:
           | In the case of a company offering a paid service? Nobody. Why
           | should the government force you to publish ads you don't want
           | to host on your own private servers?
        
             | trentnix wrote:
             | Who said anything about forcing them to run any ads?
             | 
             | While the policies that prevent even insiders from finding
             | out why some ad or another was banned to avoid _special
             | treatment_ , they also have the side-effect of being opaque
             | to conceal arbitrary, malicious, or insidious motivations.
             | After all, I'd assume if there are good, clear, generally
             | agreed-to reasons why some ad (or even some account) should
             | not have access to Google services, transparency would
             | justify as much. But without transparency, it's inevitable
             | that there will be abuse.
             | 
             | Odds are, there already has been. And Google benefits
             | keeping that behind the curtain.
        
       | treeman79 wrote:
       | My first quick impression of the Ad. Oh it's for laundering
       | money.
       | 
       | I had to reread it a few times to realize that's not what is
       | meant.
        
       | KingMachiavelli wrote:
       | Instead of "finance tracker" maybe just call it "accounting
       | software"? Since that's what it is?
       | 
       | The "[safe]" is confusing since it make's me think there is an
       | not-safe version but this link is to the "safe" version. Like how
       | HN put's [pdf] in URLs that link to PDFs.
        
       | oehpr wrote:
       | This may seem tangential, but reply all did a story about scummy
       | locksmiths falsely reporting locations to google.
       | https://gimletmedia.com/shows/reply-all/o2ho87
       | 
       | This is relevant because they interview a moderator and they talk
       | about how insufferable these companies are, and how they have a
       | private set of guidelines that they can't reveal that these scam
       | locksmiths are in an never ending battle to subvert.
       | 
       | Under this lens, and looking at the ad [safe] provided, I have to
       | agree with other peoples take, it's likely [safe] tripped over a
       | bunch of private moderation rules about crypto and ponzi schemes,
       | and nothing to do with privacy.
        
         | PebblesRox wrote:
         | That wedding ring story at the end of the podcast is amazing!
        
       | trentnix wrote:
       | _> There's no bad intent here -- nobody targets me personally,
       | who even cares about me. It's a constant error in the processes
       | that came, probably, from a good place -- but it's no better for
       | me._
       | 
       | You got crushed all the same. The fact that it wasn't malicious
       | just makes sure nobody will suffer any consequences for it.
       | Except you, of course.
       | 
       | And even if it was malicious, the veil of "processes" and
       | "policy" will be sufficient to smother any investigation.
        
       | LatteLazy wrote:
       | I actually think it's a real problem not only for advertising but
       | all over the place where tech companies act as middle me like
       | this. Some of my favourite YT creators have been banned for no
       | reason, banned for impersonating themselves etc. I'd like to see
       | a requirement to improve this process.
       | 
       | I don't think it's about privacy though. I think Google have to
       | deal with 100,000,000 ad customers. They have to have guidelines
       | for PR reasons and they need to do all of this for fractions of a
       | penny per impression. So they do it badly.
        
         | jonnycomputer wrote:
         | Maybe if their customerbase is too big for them to do the right
         | thing, then maybe its time to break them up.
        
           | LatteLazy wrote:
           | The issue is the margins are too thin. 2 hemi-googles would
           | have the exact same issue. You can't spend 100USD vetting and
           | giving feedback on a 10usds worth of ad. That's true whether
           | you're doing it for 1 customer or 100m. Unless competition
           | means half these sites close and ad prices go way way up...
           | 
           | This is the core issue under a lot of big tech complaints.
           | The same basic logic applies to fake news on social media,
           | counterfeit products on amazon, even scam calls on land line
           | networks.
           | 
           | I would like to see a lot less of this "moderation". But that
           | means people have to accept there might be more ads for scams
           | or gambling or alcohol. Instead they want more moderation.
           | And that means more expense AND more mistakes and
           | unresponsive mega corps.
        
           | throwaways885 wrote:
           | Okay, I'll bite. How do you break up a website? Whichever
           | Baby G ends up with Search will create it's own Ads
           | department, and things will be back to the status quo in no
           | time. The best I can imagine is breaking it by country lines,
           | but realistically, the US will never agree to that.
        
       | cortesoft wrote:
       | I won't comment about the other parts of the post, but I will say
       | that I hate using examples of things that make it through the
       | filter to complain about things that get blocked by a filter.
       | 
       | All filters are going to have false positives and false
       | negatives. The fact that they missed some things that they likely
       | meant to block doesn't really say anything about the stuff they
       | block that they meant to let through.
        
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