Any communication - written, spoken, visual, digital - that invites or induces engagement in investment activity, including mortgages, insurance and deposits in scope.
In scope
- Ads, social posts, landing pages - Email, SMS, WhatsApp marketing - Podcasts, webinars, video - Sales scripts
Out of scope (examples)
- Purely educational content with no invitation - Generic market commentary without product specifics - Pure news reporting
Test
"Does it invite or induce?" If yes, s21 rules apply.