Account restrictions range in severity from a temporary spend cap, to a requirement that all new ads go through manual review before publishing, up to a full disable that stops all delivery. Restrictions are typically triggered by repeated policy violations, unusual account behavior flagged as risky, or unresolved billing issues.
Agencies with well-organized Business Manager hierarchies and clean account histories see far fewer restrictions than accounts running borderline creative in sensitive verticals; when a restriction does occur, the appeal process and having backup agency ad accounts ready are what keep a client's campaign running with minimal downtime.
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