Quick answer
Disclose any material connection that could affect how people evaluate an endorsement, including payment, gifts, discounts, employment, family ties, trips, or other benefits. Put plain-language disclosure with the endorsement where people will notice it; do not hide it behind 'more,' a profile page, ambiguous shorthand, or a hashtag pile. Platform labels help but may not be sufficient by themselves.
This is operational guidance for brands and agencies. Laws vary by audience and jurisdiction, and regulated campaigns should be reviewed by qualified counsel.
What matters most
The disclosure must match the medium. Put it in the image or story when the endorsement is visual, in the video when it is audiovisual, and repeat it periodically during a livestream so viewers joining later can understand the relationship.
The endorsement must also be truthful. Creators should describe real experience, avoid claims the brand cannot substantiate, and not present exceptional outcomes as typical without appropriate context.
Brands need a reasonable program: written instructions, examples, creator acknowledgment, pre-publication checks where appropriate, live monitoring, prompt correction, escalation, and retained evidence. Responsibility cannot be solved by one contract sentence.
A practical workflow
- 01
Identify every material connection and every jurisdiction or regulated category involved.
- 02
Write medium-specific disclosure language and placement into the brief and agreement.
- 03
Approve claims, disclosure, and platform labels before publication where risk warrants it.
- 04
Check the live content as consumers actually see it and correct problems quickly.
- 05
Retain screenshots, URLs, dates, instructions, approvals, and correction history.
What counts as a material connection
The trigger is any connection between the endorser and the brand that a reader would not reasonably expect and that might affect how much weight they give the endorsement. Payment is the obvious case. So are free or discounted product, an affiliate commission, a contest or giveaway entry, a paid trip or event invitation, early or exclusive access, equity, an employment or contractor relationship, and a family or personal relationship with someone at the brand.
Gifted product is the case that most often gets it wrong. A creator who receives something free and posts about it has a material connection whether or not the brand asked for a post, whether or not there is a contract, and whether or not the creator liked it. The absence of an obligation does not remove the connection; it is exactly the connection the audience cannot see.
Employee and ambassador posts count too. So does a brand resharing or running a creator's endorsement as an ad, which does not inherit the disclosure automatically if the original placement is lost in the new format.
Placement by format
The governing idea is that the disclosure travels with the endorsement, in the same medium, where someone consuming it normally would actually see it. That produces different answers per format, and a single company-wide rule will be wrong for most of them.
In a long-form video, put it in the video itself, spoken and on screen, near the start rather than in an end card, with the description as an addition rather than a substitute. In short-form video, it must be visible without expanding the caption and legible for long enough to read at the pace the format is watched. In a livestream, repeat it, because viewers arrive throughout and the audience at minute ninety never saw minute one.
In a still image post, put it in the image or the first line of the caption rather than below a truncation point. In a story, put it on the frame that carries the endorsement, not on an earlier frame that some viewers will skip past. In audio, say it. In a text post or thread, put it in the post that makes the claim, not only in the first post of a thread that people encounter out of order. Everywhere, plain words beat shorthand: a disclosure that requires the audience to already know what it means has not disclosed anything.
Obligations follow the audience
The FTC's Endorsement Guides are the reference point for a US audience, but a campaign that reaches other markets can pick up other obligations, and those attach to where the audience is rather than where the brand is incorporated. The UK, the EU member states, Canada, Australia and others each have their own advertising codes and enforcement bodies, several of which are more prescriptive than the US about the specific words and placement required.
The practical consequence for a campaign that reaches more than one market is that the strictest applicable requirement usually becomes the working standard, because running different disclosure per viewer is not something the formats support. Regulated categories add another layer entirely: financial products, health and supplement claims, alcohol, gambling and anything reaching a young audience carry sector rules that sit on top of the general endorsement rules.
This guide is operational rather than legal. Where a campaign touches a regulated category, a young audience, or a market whose rules you have not read, that is the point to involve qualified counsel rather than to reason by analogy from the US guidance.
The monitoring program is the evidence
A contract clause requiring compliance is necessary and, on its own, not much of a defence. What demonstrates a reasonable program is the operational record: written disclosure instructions given to each creator in the format they are producing, an acknowledgment that they received them, a pre-publication check where the risk justifies one, a check of the content as it actually appears to an audience member, and a documented correction when something is wrong.
Check live content the way a viewer sees it, not the way a reviewer sees it. On the phone, in the app, without being logged in as the brand, without expanding anything, at the speed the format is consumed. A disclosure that is present in the upload and invisible in the feed has not done its job.
Retain the evidence. Screenshots and recordings with dates, the live URLs, the instructions issued, the approvals given, and the correction history are the things that answer questions months later, including questions from a creator about what they were asked to do.
Common mistakes
- Assuming followers already know the creator works with the brand.
- Using vague labels such as collab, partner, gifted, or thanks without clear context.
- Putting disclosure only in a description when the endorsement is in video or audio.
- Relying on the creator alone without brand training or monitoring.
Working checklist
- Every material connection is identified.
- Disclosure is plain, prominent, and in the endorsement itself.
- Claims reflect real experience and are substantiated.
- Platform tools and additional disclosure are used where appropriate.
- Live evidence and corrections are retained.
Questions and answers
- Is a hashtag such as #ad enough on its own?
- It can be, when it is genuinely noticeable in the medium carrying the endorsement. It stops being enough when it sits at the end of a block of other hashtags, below a caption truncation point, in a description while the endorsement is in the video, or on screen too briefly to read. The test is whether an ordinary viewer would actually notice it, not whether the characters are technically present.
- Does the platform's paid-partnership label satisfy the requirement?
- Use it, and do not rely on it alone. The FTC's guidance for influencers is explicit that a platform's built-in tool may not be adequate by itself, and there are practical reasons: the label renders differently across surfaces, can be missed at the top of a screen, and may not travel when content is reshared, embedded or clipped. The usual answer is the platform tool plus a disclosure in the content.
- Who is responsible if a creator does not disclose properly?
- Both parties can be. Advertisers are expected to have a reasonable program for instructing and monitoring endorsers, and creators are responsible for their own disclosures. In practice the brand is the party with the process, the money and the public profile, so a brand that cannot show it instructed, checked and corrected is the one carrying the exposure.
- Does gifted product with no obligation need disclosure?
- Yes, if the creator posts about it. Receiving something free is the material connection, and the audience has no way to know it happened. The lack of a contract or a required post changes nothing about what the viewer cannot see, which is the entire point of the requirement. Tell creators this when you send the product, rather than discovering later that they assumed the opposite.
Sources and verification
Written by Nick Lombardi, Co-Founder & CTO, Streamforge. Published September 2, 2026; last verified September 2, 2026. Platform rules change, so confirm details against the primary sources below.

