Hello Aaron,
Thank you for reaching out to us.
With regard to your concern, if you want to load the ads only when you wish to, you can just call the loadAd function where you want it to show. But, you need to request it before you show the scene where you want it to load to avoid the delay. Then for the policy, as long as you are testing this as a test ads using your emulator/simulator and configure test device, you won't be flagged in invalid traffic. You can also check our policy article on this.
Regards,
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