A clearinghouse apparatus, system and method for content, including an ad generator, an ad generator interface by which a user can interact with the ad generator, wherein, in an interaction with the ad generator using the ad generator interface, at least one content item other than content owned by the user is requested for inclusion in a creative, a content provision rules engine having a plurality of rules asserted by the owner of the content to govern the inclusion of the content in the creative, including at least one upsell rule, and a content provision interface by which the owner of the content can interact with the content rules engine to assert the plurality of rules. The invention may additionally include an approval engine, wherein ones of the plurality of rules necessitate that the creative be reviewed and approved by the owner prior to the inclusion of the content, and an approval engine interface by which the owner can interact with the approval engine.