For me it is when companies/services market themselves as donating to XYZ cause if I buy their product. If they want to donate, they should have already done that with the money they have. Asking me to give them profit so that they can donate is so obviously pretentious.
This is good advice but also heavily dependent on the app developer. I’ve had the misfortune of using banking apps that only have a general notification option and they lump together important banking notifications with adverts. PITA scumbag bank