The Instant Checkmate offers (often referred to as ICM) have been some of the top campaigns on PeerFly for a while. Our Affiliate Management Team gets asked a ton of questions about the campaigns, so we wanted to provide you with all of the info we could gather to help make your ICM promotion a success. Check out the demographic and promotion information below, and feel free to reach out to your AM with any other specific questions.
Instant Checkmate Basic Info
- Payout is based on a Valid Credit Card Submit
- Allows Social, Display, Search, PPV, Contextual
- US Traffic Only
- Site is mobile optimized
- No Incent or Co-Reg Traffic Allowed
- You Must Never Advertise Instant Checkmate For A Fair Credit Reporting Act (FCRA) Purpose
Cost To Consumer
- Conversion occurs upon a Valid CC Submit
- CPA is the same regardless of membership package the user signs up for
- Cost to User is:
- $22.86/ mo for Monthly Membership (continuity)
- $44.58/ 3 mo for the 3-Month Membership (continuity)
- $59.16/ 6 mo for the 6-Month Membership (continuity)
- $1, 5-day trial and $29.63/mo afterwards (continuity)
The Fair Credit Reporting Act (FCRA)
- The FCRA is a United States federal law that regulates the collection and use of consumer information
- Instant Checkmate takes diligent measures to not be a “Consumer Reporting Agency” as defined under the FCRA
- Consumer Reporting Agency (CRA): An entity that collects and provides information about consumers that is used or expected to be used for a FCRA purpose, including employment screening, landlord-tenant screening, or eligibility for credit
- Traditional examples of CRAs are companies that compile and maintain files about individual consumers for purposes of:
- Check Screening/ Check History (ex. Telecheck)
- Payday Lending (ex. DataX)
- Auto/ Property Insurance (ex. Insurance Information Exchange)
- Supplementary/ Alternative Credit Reports (ex. CoreScore Credit Report)
- Utilities History (ex. National Consumer Telecom and Utilities Exchange)
- Rental History (ex. Tenant Data Services)
- Medical History (ex. IntelliScript by Milliman Inc.)
- Employment History (ex. Hire Right)
- Credit History (ex. Equifax, Experian, TransUnion)
- However, a company that only provides public records (e.g., court records) may still be determined to be a CRA if it provides information about consumers that is used or expected to be used for a FCRA purpose
- Instant Checkmate and the information it provides may only be used to look someone up for a non-FCRA purpose
- To ensure that Instant Checkmate is not a CRA, it is critical that:
- ICM and affiliates NEVER market Instant Checkmate as being available for a FCRA purpose
- Advertising is strictly prohibited for these purposes
- i.e., employment background check, landlord-tenant screening, determining eligibility for credit, etc.
- Negative Search and Display keywords are in place to prevent ICM to be displayed for FCRA purposes
- This must be in place for all Google, Yahoo, and Bing traffic
- Consumers must be deterred from using ICM for a FCRA purpose
- Instant Checkmate requires users to affirmatively agree they will not use ICM for a FCRA purpose
- Throughout the funnel this is reinforced through the use pop-ups, check-boxes, and disclaimers on the website
Examples of Approved Uses
- Reputation Management – Wasn’t That Expunged?!
- Your sensitive information is publicly available
- See what others can easily find out about you with a simple search
- Curiosity – You’ll be SHOCKED!!
- Check your FB friends criminal records
- Check celebrities, family, friends, neighbors, business associates
- Sex Offender Monitor – Are Your Kids Safe?!
- Which of your neighbors is a sex offender?
- Give yourself Peace of Mind
- Online Dating/Meeting New People – He Seemed So Sweet!
- Protect yourself
Travis is a dedicated member of the PeerFly Team, working primarily in the Business Development Department. He has been involved in the Online Advertising & Marketing Industry since 2007.
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