Q: Is it violating program policy if I place ads on iframe webpages in my software?
A: Yes, it does violate our policies. Firstly, you’re not allowed to place ads in a frame within another page. Exceptions to our policies are permitted only with authorization from Google for the valid use of iframes.[1]
None of that has to do with how ads from their network are actually rendered when you use their tags. Adsense/DFP tags do use iframes for almost everything unless explicitly set to load directly on page, usually for legacy code or rich-media. The relevant help article is here: https://support.google.com/dfp_premium/answer/183282
"...SafeFrame is supported in DFP and enabled by default when using Google Publisher Tags. Reservations serve into SafeFrames by default, but you can disable this setting...and use friendly iframes instead, if needed.... Some creatives, such as expandable ads or creatives that access your page’s DOM elements, might not render correctly in SafeFrames or other cross-domain iframes. We recommend updating these creatives to make them SafeFrame-compatible, in order to retain SafeFrame’s security benefits. If this is absolutely not an option, there are a few things you can do to allow reservation ads of this type to render properly..."
Either way, iframes are common and the ad industry is not the issue here. Many analytics providers that track all events automatically do need window access and the normal install for all of them is tag on site.