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

 

 

 

TravisPeerFly

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.