1. 两条政策，管的是同一个应用。Google Play 的 Ads 政策管应用本身，插屏投放位置在同一页面上分属两个章节：Disruptive Ads（干扰性广告）与 Better Ads Experiences（更好的广告体验）。AdMob 在其之上叠加自己的实现规范，并且明确写了后果："Not following these guidelines may lead to invalid activity and/or may result in Google disabling ad serving to your app."（§https://support.google.com/googleplay/android-developer/answer/9857753 / §https://support.google.com/admob/answer/6066980）
2. 总判据：意外出现，或者关不掉。"Disruptive ads are ads that are displayed to users in unexpected ways, that may result in inadvertent clicks, or impairing or interfering with the usability of device functions." 紧随其后的硬性要求是："Your app cannot force a user to click an ad or submit personal information for advertising purposes before they can fully use an app. Ads may only be displayed inside of the app serving them and must not interfere with other apps, ads, or the operation of the device, including system or device buttons and ports. This includes overlays, companion functionality, and widgetized ad units. If your app displays ads or other ads that interfere with normal use, they must be easily dismissible without penalty."（§https://support.google.com/googleplay/android-developer/answer/9857753）
3. Google 亲自点名的违规形态。"Ads that take up the entire screen or interfere with normal use and do not provide a clear means to dismiss the ad"；"Ads that force the user to click-through by using a false dismiss button, or by making ads suddenly appear in areas of the app where the user usually taps for another function"；"Ads that display outside of the app serving them"；"Ads that are triggered by the home button or other features explicitly designed for exiting the app"。（§https://support.google.com/googleplay/android-developer/answer/9857753）
4. Better Ads Experiences：四类被禁的插屏。"Developers are required to comply with the following ads guidelines to ensure high quality experiences for users when they are using Google Play apps. Your ads may not be shown in the following unexpected ways for users:"（a）"Full screen interstitial ads of all formats (video, GIF, static, etc.) that show unexpectedly, typically when the user has chosen to do something else, are not allowed."（b）"Ads that appear during game play at the beginning of a level or during the beginning of a content segment are not allowed."（c）"Full screen video interstitial ads that appear before an app's loading screen (splash screen) are not allowed."（d）"Full screen interstitial ads of all formats that are not closeable after 15 seconds are not allowed. Opt-in full screen interstitials or full screen interstitials that do not interrupt users in their actions (for example, after the score screen in a game app) may persist more than 15 seconds." 页面注明这些规则 "inspired by the Better Ads Standards - Mobile Apps Experiences guidelines"。（§https://support.google.com/googleplay/android-developer/answer/9857753）
5. 激励广告与非全屏形式不在这一条之内。"This policy does not apply to rewarded ads which are explicitly opted-in by users (for example, an ad that developers explicitly offer a user to watch in exchange for unlocking a specific game feature or a piece of content). This policy also does not apply to monetization and advertising that does not interfere with normal app use or game play (for example, video content with integrated ads, non-full screen banner ads)."（§https://support.google.com/googleplay/android-developer/answer/9857753）
6. 高频重复是独立的违规项（Made for Ads）。"We don't allow apps that display interstitial ads repeatedly to distract users from interacting with an app and performing in-app tasks." 政策给出的示例正是重度变现应用最容易踩的形态：用户点 Start 弹一次插屏，关掉后再点 Service，又弹一次。（§https://support.google.com/googleplay/android-developer/answer/9857753）
7. 锁屏。"Unless the exclusive purpose of the app is that of a lockscreen, apps may not introduce ads or features that monetize the locked display of a device."（§https://support.google.com/googleplay/android-developer/answer/9857753）
8. 启动与退出，是 AdMob 直接禁止的两个位置。"Do not place interstitial ads on app load and when exiting apps as interstitials should only be placed in between pages of app content. Ads should not be placed in applications that are running in the background of the device or outside of the app environment. It should be clear to the user which application the ad is associated with or implemented on. We recommend placing an app open ad when loading an app or switching back to it."（§https://support.google.com/admob/answer/6201362）
9. 频率：每两次用户操作最多一次插屏，应用内返回键同样计入。"Don't overwhelm users with interstitial ads. Repeated interstitial ads often lead to poor user experiences and accidental clicks." 不合规的实现 "include but are not limited to: Placing an interstitial ad after every user action, including but not limited to clicks, swipes, etc. You should place no more than one interstitial ad after every two user actions within your app. Please note that this requirement also applies when a user clicks the Back button within the app."，以及 "Placing an interstitial ad immediately after another interstitial ad was shown to and closed by the user."（§https://support.google.com/admob/answer/6201362）
10. 绝不能挡住应用本身。"Ads should not be placed in a way that prevents viewing the app's core content. Ads should not be placed in a way that interferes with navigating or interacting with the app's core content and functionality."（§https://support.google.com/admob/answer/6201362）
11. 最隐蔽的失败原因是延迟。"Don't surprise users with interstitial ads. Placing interstitial ads so that they suddenly appear when a user is focused on a task at hand (e.g. playing a game, filling out a form, reading content) may lead to accidental clicks and often creates a frustrating user experience. For this reason, interstitial ads should only be implemented at logical breaks in between your app's content (e.g. pages, stages, or levels) to ensure that the user is prepared to engage with the ad." AdMob 随即点出了机制："A common issue is that even though you may intend for the ad to load in between page content, the ad itself appears shortly after a new page of content has loaded due to carrier latency. To prevent this from happening, we recommend you pre-load the interstitial in advance."（§https://support.google.com/admob/answer/6201362）
12. 具体该放哪。"If your app is a game with different levels or stages, consider placing an interstitial ad in between one or more of these stages. A break between levels provides a natural stopping point for the user and allows them to properly evaluate an interstitial ad... Avoid placing an interstitial ad every single time the user does an action." 关于顺序："It is recommended that interstitial ads appear before the break page rather than after. Break pages often require a user to tap a Next button (or equivalent). Ads between levels and after a Next button can be surprising. It is strongly recommended that interstitial ads between levels or stages show explicitly before any Continue or Next level buttons. This behavior may reduce accidental ad clicks from users who unintentionally click the ad instead of the Next button." 高频点击类应用："it is recommended that a delay is inserted after the end of a level and before the display of an interstitial ad. This delay could take the form of a loading or please wait screen, or a progress-bar/wheel. This offers users a chance to stop tapping the screen and consider carefully what appears next."（§https://support.google.com/admob/answer/6201350）
13. 这个位置到底适不适合插屏？"Interstitial ads are designed to be placed between content, so they are best placed at natural app transition points." 并且："Interstitial ads are best suited for apps with linear user experiences. There should be very clear starting and stopping points in an app. If you have an app that may not meet this criteria (e.g., utility apps like flashlight apps), consider using another AdMob ad format such as a banner ad."（§https://support.google.com/admob/answer/6066980）
14. Google 自己给出的关闭入口延迟，与真正约束你的上限。"Also, note that some interstitial ads may have up to a 5-second delay before providing a close option. If high-engagement ads are enabled, interstitial video ads may have up to a 12-second delay. Additionally, some interstitial video ads served from third-party bidding sources may have up to a 30-second delay before providing a close option." 这些是 Google 侧的现实情况；但约束你应用的是 Play 侧那条 15 秒硬线——会打断用户的插屏必须 15 秒内可关闭，第三方 bidding 的 30 秒素材是你要规避的问题，不是免责理由。（§https://support.google.com/admob/answer/6066980 / §https://support.google.com/googleplay/android-developer/answer/9857753）
15. 防止误点击的工程细节。"Make sure to prepare fixed space for ads when loading a new screen in your app. Under certain conditions, such as very low signal strength or phone processing capabilities, ads may not load at the same time as your app content. In this case, ensure that ads do not cover or shift the other content to prevent accidental clicks." 刷新频率："We recommend that you have ads persist for 60 seconds or longer, depending on the functionality of your app... If your app is automatically refreshing ads, make sure ad requests are not made when the screen is off."（§https://support.google.com/admob/answer/2936217）
16. 面向儿童的应用适用更严的标准。"Interstitial monetization and advertising displayed immediately upon app launch" 被直接禁止；"Monetization and advertising that interfere with normal app use or game play, including rewarded or opt-in ads, that are not closeable after 5 seconds" 同样被禁——这里是 5 秒可关闭线，不是 15 秒。此外该类应用必须 "Only use Google Play Families Self-Certified Ads SDKs to display ads to those users"，并 "Ensure ads displayed to those users do not involve interest-based advertising... or remarketing"。页面末尾留有处置权："Google Play reserves the right to reject, remove or suspend apps for overly aggressive commercial tactics."（§https://support.google.com/googleplay/android-developer/answer/9893335）
17. 启动插屏的合规替代品是开屏广告（app open ad）。AdMob 的原文就是建议 "placing an app open ad when loading an app or switching back to it"（§https://support.google.com/admob/answer/6201362），格式文档见 §https://support.google.com/admob/answer/9620632。但这不豁免「可关闭」这条：全屏广告只要关不掉，无论在哪个位置出现都仍是违规。
18. 换第三方广告联盟能绕开吗？不能。Play 侧把广告视为应用的一部分（"The ads and associated offers are part of your app and must follow our Restricted Content policies"，§https://support.google.com/googleplay/android-developer/answer/9857753），投放位置是按你的应用来判定的，与由哪个联盟填充无关；AdMob 那几条量化规则（每两次用户操作最多一次插屏、启动时不放插屏）属 AdMob 计划政策，违反的后果是停投你应用的广告。误点击风险还会走无效流量（invalid traffic）这条线（§https://support.google.com/admob/answer/3342054）。
19. 违反了要付什么代价。Play 侧从警告到下架、再到开发者账号终止；AdMob 侧写明的结果是 "Google disabling ad serving to your app"。实践中最省事的修法几乎总是同样三步：删掉所有在启动、退出或任务中途触发的插屏；把频率压到每两次用户操作不超过一次并且把返回键计进去；确保剩下的每个插屏都有一个可见、可立刻点击、不被遮挡也不被延迟的关闭控件。