A 4Life Review – Everything YOU SHOULD Know Before Joining!

A 4Life Review

I am glad you have decided to do your due diligence and checking out a 4Life Review, before you dive in.

And all I can say first up is well done you!  You have decided to do your own research before committing to this health and multi level marketing program.  A lot of people jump in the deep end without really knowing what they are in for.

That is when lots of money is lost and you are left with a bad taste in your mouth of the industry as a whole – if you have a bad experience.

When I started online well over 10 years ago now, I did not have the luxury like so many people do now of finding reviews on products.  There just weren’t any.  As you know the internet hasn’t been around forever.

But there are so many multi level marketing schemes, or direct selling businesses these days it isn’t funny.  And it’s less funny if you get caught up in one that rips you off!

So is 4Life a scam?  Or can you really make an income building a team below you?  Or get products for free from their loyalty rewards program?

Here I give you a thorough review of the 4Life business.  I am definitely not here to bag this company so I can then promote my own.

Doing your own research, and checking out detailed information is the only way you can determine what is right for you.

Yes I would love to share with you at the end what I do.

But right now, I am just here to show you what is on offer from 4Life.

So What is the 4Life Business about?
How does 4Life Work?
Is 4Life a Scam or Legit?
A Proven way to Make Money Online!
Final Opinion and My Verdict

Wasting your Time and Money trying to grow your downline?

Want to see how My WEBSITE gets FOUND and How I Make Money?

wealthy affiliate join here


This post contains Affiliate links and I may be paid.  Visit my Affiliate Disclosure for more info.

So What is 4Life About?

Company Name:   4Life

Owners:    David and Bianca Lisonbee

Website:    https://www.4life.com/

Price:     $150 for a start up kit

Ranking:      6/10

4Life is a health and nutrition company that was founded in 1998 by David and Bianca Lisonbee.

The company is based in Utah and has grown to 50 countries world wide which proves, (even with its multi level marketing for it’s distributors) has stood the test of time.  Which alot of MLMs fail to do.

It’s products are specifically designed to help strengthen the immune system. With well over 100 products, the 4Life Transfer Factor products help you burn fat, build muscle and so much more.

They also have a team consisting of Physicians, Immune Science experts and PhD’s to research products and provide extensive testing.  This ensures the products delivered are of highest quality.

How Does 4Life Work?

With 4Life you can become a user of the product and purchase at wholesale prices.  You can also resell at retail prices which has you make a small profit.

Or you can recruit and build a downline which not only has you earn from your efforts, but those from your down line as well. Comprehensive info here on the compensation plan.

4Life has an extensive product range.  These following categories have multiple product lines in each;

Immune System
Antioxidant Support
Brain Health
Cleansing & Detox
Dental Health
Digestion Health
Essential Oils
Eye Health
Glucose Metablolism
Healthy Aging
Heart Health
Male Health
Multivitamin & Minerals
Muscle, Bone & Joint Health
Overall Wellness
Skin, Health & Beauty
Urinary Health
Weight Management

So it depends on what you want out of the 4Life opportunity as to what path you take with them.

And it is important when you are a part of any product driven business, that you know their products and have trialled and gotten success from them.

With this you can whole-heartedly promote or recruit.  There is nothing worse when someone just trying to throw a business down your throat (literally in this case), and they are not passionate about what they are promoting.

Is 4Life a SCAM or Legit?

Of course 4Life is not a scam.  If a company has been running since 1998 then its founders, research team and distributor base are definitely doing something right!

And with their Foundation for life charity organisation, you can see they truly care about less fortunate communities around the world.  Which speaks volumes really.

I, however am not a big fan of MLM type business models and this definitely is one that you will have to recruit high and low if you want to earn anything substantial from.

The products seem highly researched and reputable.  Again, I am not a fan of taking unnecessary tablets when I get my vitamins and minerals from an effective plant-based diet.  How many pills do we really need to take?

My question to you is this:

Do you really want to harass your social media platforms, or your family and friends?  Do you want to waste money marketing? – yip it costs a lot to market these days.

Or would your prefer to be found online with people finding your website?

Then read on below….

Wasting your Time and Money trying to grow your downline?
Want to see how My WEBSITE gets FOUND and How I Make Money?

wealthy affiliate join here


This post contains Affiliate links and I may be paid.  Visit my Affiliate Disclosure for more info.


A Proven Way to Make Money Online

Stop recruiting and trying to build a downline!

Are you looking for a legitimate way to make money online without having to recruit and train people?

I know I definitely was over it and the reason I went looking for something else.

A real way to earn, get a good return on investment and for it not to cost me an arm and a leg!

And the reason I went and had a look was because to begin with it was FREE to check it out!

When I discovered what I am part of now, the proper way to do Affiliate Marketing, I was able to get in, set up my account and check it out for free – for as long as I wanted to!

And everything that this Affiliate program had on their “sales page” rang true on everything they presented.

The 50 websites they provide you.  All with free SSL to assure your visitor’s data is safe.

The community of tens of thousands of people and the amount that are active daily inside the platform is quite amazing.

And when you get in – there are no surprises or upsells.  The tools are everything I need to build a successful business and I don’t feel I am in competition with any of the community because they are all building different “niche” websites compared to mine.

Which means their audience is a whole different set of people to whom I share to.

Having step by step training that gives you lessons and then tasks.  It takes you through the process of website set up.

Followed by structuring different types of blog posts leaving you with a full understanding of how to put posts and content together yourself.

The marketing and SEO training that covers absolutely everything to optimizing your posts correctly, learning social media the list goes on!

I have learned SEO strategies and how to rank my blog posts on the search engines.  After all, YOU found me, didn’t you?

And that means targeted people are finding me, getting value from my content and buying from me.  In my case, it is joining me in this Affiliate program.

I have people coming to me, joining me, I am NOT chasing them!

The Live Chat feature which enables you to connect with people 24 hours a day, so support is always available.

The amount of countries it is in now.  193.  Yip, you read that right!

But what was really important was the longevity of this company.  It has now been operational for more than 15 years so that speaks volumes in the online world!



Final Opinion and My Verdict

My final opinion and verdict is probably evident as you have gone through this 4life Review.

As I stated first up, I give 4Life about a 6 out of 10.  Yes it is a legitimate company however the business model itself (MLM structured) is just something I loathe to be part of in any online business.

And, I am just so happy I found this platform I have been part of for over 3 years now.

I love the fact that the cost is a low monthly fee once I decided to fully join.  Which means I am not going broke any time soon.  I don’t have to purchase products I don’t need and then try to resell.

The company owners are always participating in group discussions and I was contacted personally to see how I was going with everything.

Again, I am so happy and thrilled that I have found this platform.

AND…. if you get started free and go PREMIUM within 7 days there are awesome BONUSES the owner will share with you.

I know the struggles online and how hard it can be to build a business, so I am willing to assist anybody who starts with me to get your website up and cranking too!


I will be your personal guide and mentor within our system.  I will show you the way, just as my mentor did for me.  But with so much help available I won’t be the only one assisting you!

Don’t hesitate, come and join us!
Turn your passion into a thriving online business.

I definitely have!

And yes, it is a real business.  It is real work – please don’t think it is a get rich quick scheme.

Do comment below and let me know your thoughts on the 4Life Review.

See you on the inside





Other Reviews worth checking out!

The MLSP Review
Six Figure Mentors Review
The Four Percent Review
Your Wealth Magnet Review

A Four Percent Review – An Honest Insiders Look!

Four percent group reviews

Four Percent Group Review

Company Name:  Four Percent Group
Overall Ranking:   3/10
Starting Price:    $7 Lite  –   $49 PRO   –  $5,000 Elite

PLUS Extras.  These are listed under ‘Prices’ and in more detail below

Owners:  Vick Strizheus
Website:   www.FourPercentGroup.com

INTRODUCTION and My Insiders look

This Fourpercent review today is about who is behind this opportunity and also what it is all about.  This company is known as the four percent group or 4% group also and it is owned by Vick Strizheus, a well known online marketer (for good and bad reasons).

Wasting your Time and Money on useless Products with LITTLE or NO VALUE?
Want to see how my Website gets Found and How I Make Money?


This post may contain Affiliate links. Please visit my Affiliate Disclosure for more info.

Four percent claims they will help struggling online marketers make thousands of dollars.  Just follow the training, buy all the affiliated products which include, Aweber, Get Response, Udimi, Clickfunnels, Click Magick.  There is also affiliation with Chris Reason’s Tecademics.

And those that you refer to the business, will hopefully, in turn, buy these products (well, it is a must to make this work), and you get small commissions from each of them.  Depending on where you start in the business, $49 or $5,000, I imagine these come with a commission too.  (When I first joined 4%, the starting options were a bit different).



So Who is Vick Strizheus?

I stumbled upon one of Vick’s sale’s funnels and was quite enthusiastic about what he had to offer.  That I could make $5000 within the week.  I promptly joined, as I do enjoy following steps to learn better marketing techniques and he seemed to have the goods for obtaining that.

After lots of research on Vick, I soon discovered he is quite well known for creating other programs like Big Idea Mastermind and High Traffic Academy (which I do believe don’t exist anymore).

Vick does teach you a lot of tried and tested methods in marketing so his knowledge there is quite good to learn from.

Pros and Cons


  • Seems to be a lot of training that does work if applied.
  • Step by step guides to assist you.
  • Webinar replays of training material.
  • You earn commissions from referrals and many other products and tools.
  • Vick Strizheus – Proven expert marketer and 7-figure a year earner
  • Events which can be good and bad.  Can be costly but also good for networking.


  • There is a lot of training which if not organised properly, can be very overwhelming.
  • My biggest ‘con’ was having my referrals displaced.  (I imagine this would be fixed now and you would hope so!)
  • Will this have longevity if his other programs have failed?


Who is it For and How Does it Work?

I would say this program is for the more intermediate to an advanced marketer.

When you start you are taken through 7 Steps that consist of the Following:

STEP 1:   The plan details and strategy for winning

STEP 2:   Payment Account setup

STEP 3:    Funnels set up  (This is where you WILL have to purchase the Clickfunnel at $97)

STEP 4:   Activating multiple streams of income (This is where you will have to purchase other tools, even Tecamdemics high ticket product if you want to promote it)

NOTE ALSO:  Step 3 and 4 are where you insert your Affiliate links.

STEP 5:   Activate your power base, to allegedly get results fast

STEP 6:  Get connected

STEP 7:   Start Operation $100K Training

Moving forward with operation $100K, this is where he teaches you how to build landing pages and get people in front of these.  You are shown how to use paid methods like Google Adwords, Solo Ads, Bing, Facebook Ads and also other ways.

What I have struggled with in the past with not only Four Percent but also with other programs, is they do not teach you how to build a base or foundation for your internet business.

Wasting your Time and Money on useless Products with LITTLE or NO VALUE?
Want to see how my Website gets Found and How I Make Money?


This post may contain Affiliate links. Please visit my Affiliate Disclosure for more info.

I now have a website built that is my “hub” or my “home” online.  It’s a place I can continually build, share value from and promote the program I am successfully now a part of.  And for one very minimal cost!   You can check out a Review on it here.

Four Percent Training / Tools Overview

  • Training guides and steps to results.
  • Access to Facebook group for live communications.
  • Webinars trainings for all types of internet marketing and list building strategies.
  • Additional Masterclasses and income building ideas.


Support initially for me was not great.  But again, it may have changed.  When businesses are new they do take time to iron out different aspects so this was probably the case here. The Facebook page had a good community feel, but most of these things do anyway.



$7 Lite Membership per month:   For those who want to just test it out

$49 per month: For more serious entrepreneurs and with most of the training included

$5,000 annually:  Includes everything and more exclusive training/masterminds

Tools to get your Affiliate ID’s and Prices You pay Monthly

The prices listed below will recur monthly.  Some of these you can just be an affiliate for.  Some are a must like the Clickfunnels at $97 and Click Magick at $33.  You will need at least 1 autoresponder and Tecademics is optional however if you want the $5,000 week, then you will have to invest in the Tecademic products.

Aweber:   $19 for the Autoresponder to use for your list or you can promote it free

Get Response:   $19 for a different Autoresponder (if you don’t use Aweber) you can promote either for free

Click Magick:   $12 starter plan but the normal plan is $33.  A tool that tracks everything so you can determine which landing pages are performing best.

Click Funnels:   $97 for this landing page builder.  Even though it comes with an initial landing page built you will have the ability to build others.

Tecademics:  $12,000 plus other products and various prices.  If you want to make the big $4,800 commissions then you have to have first bought into Tecademic’s high ticket products, otherwise, you will be passing up sales.

So in essence, if you cannot afford to purchase these, then promoting the Four Percent Group and its system is your other option.

My Final Opinion / Verdict

There seems to be quite a lot of tools to pay for to make this program work.  I do guess, if you get others into the program then you are making commissions because they have to purchase them too.

The four percent group is definitely not a scam, just a new venture for Vick.

If you enjoy building downlines and being part of a multi-level-marketing system then this could be something for you.  And if it is not, then definitely keep reading on below.

(Please read my Disclaimer here on product reviews from this website).

A Program that is Totally Transparent

I don’t think the four percent group was totally transparent before I joined which I think is important. Which is why I quickly left it.  It had too many surprises along the way and my friends who joined under me seemed to be displaced and put under other affiliates.

I did start in the early days of Four Percent so it could come down to teething problems for a new business.  I just didn’t like how Support handled it, saying nothing could be done about my a couple of my friends being displaced.

Seriously though, if you bought people into a program and they were your referrals, you would be pissed if they ended up in somebody else’s downline.  I certainly was!

Like I said earlier though, hopefully, that was just initial teething problems and something they have now fixed.

Wasting your Time and Money on useless Products with LITTLE or NO VALUE?
Want to see how my Website gets Found and How I Make Money?


This post may contain Affiliate links. Please visit my Affiliate Disclosure for more info.

So really, if you want to check out something that is totally transparent, has all the tools you need, support 24 hours a day and it teaches you how to build a strong foundation.  Plus it is one minimal cost with NO Upsells and surprises along the way… then CLICK HERE and check out my review and get started with no credit card required.

I share more information below on what you get and the comparisons to the Four Percent program.  So definitely check out my detailed Wealthy Affiliate review, so you can make a fully informed decision.

The beauty is though, you can still start, check out the system for as long as you want without any payment or credit card information shared.  Something that really appealed to me!



I do hope you liked my thorough Four Percent review, and make the best decision for you!  And don’t forget to check out what I do, free of charge and get building your online business today!

Cheers, Sharon





Other Product Reviews that may interest you:

No Fear Video Marketing System Review
CB Cash Code Review
Your Wealth Magnet Review
The MLSP Review





Review Six Figure Mentors Affiliate Program

review six figure mentors affiliate program

Company Name:   Six Figure Mentors
Overall Ranking:   60/100
Price:   Free 30 Day Trial then prices start at $25/m, $97/m, $2,500/year + Up-sells of higher ticket items
Owners:   Stuart Ross, Jay Kubassek
Website:   https://thesixfigurementors.com/

You have found this post today to review Six Figure Mentors Affiliate Program and I am here to give you an unbiased review, but also an insider’s look into this program. I have noticed there are some reviews that slam this company and say it is a scam.

I wouldn’t say that, even though I did join them briefly.  Some companies get an unfair wrap. I just like to put figures and facts on the table, you read it and make up your own mind.  (Please read my Disclaimer here)


Six Figure Mentors launched in 2010 by Stuart Ross and Jay Kubassek, and are a company who claim they have expertly designed a system that teaches you how to become an effective affiliate marketer. You learn knowledge on how to make money selling other people’s products, without the headaches of distribution, returns and other traditional challenges that everyday businesses face.

Below I will go into more detail regarding the membership, one off yearly payments and ongoing subscriptions. Also listed are the products and tool information as well.

There are probably 2 parts to this Six Figure Mentors (SFM) equation. But on first inspection of SFM, you only seem to learn about them and not Digital Experts Academy (DEA) until after you join.

So there is the Six Figure Mentors with their monthly and yearly memberships.  The other part of the equation is Digital Experts Academy with higher paid ticket items.

So not only is this about Six Figure Mentors, but also a brief Digital Experts Academy review as well.


The memberships as pictured, from Essential upwards come with an ANNUAL payment as well as a monthly subscription. So, if you are purchasing Elite at $2,500 for the training and tools, you will be paying that AGAIN  12 months down the track.

review six figure mentors affiliate program


FREE to be an Affiliate.  This includes – not only all your sales pages and funnels and marketing banners etc – but a consultant to close sales if someone was interested in joining SFM.

(NOTE; ALL LEVELS OF MEMBERSHIP make you an affiliate instantly.  But the option of being an affiliate without even joining the program itself and all it’s costs and upsells is quite good.)


Free 30 day trial (with credit card sign up) but then $25 per month.

You are now an affiliate and only have access to old live recordings and an introduction to the Digital Business Lounge, (you will see the tools explained below).  And also access to a consultant and videos to learn online skills.

As the title suggests, it is just access.  If you are new to the online world guidance and applying knowledge learned is key.  And updated training is really important also.  No point in using outdated methods.


$297 one off payment to begin (however this $297 becomes an annual cost) then $97/mth.

You get access to the Six Figure Mentor digital business system and to a senior business coach, plus access to the Digital business lounge which is explained in the tools below.

Includes also the smaller subscriptions below like the Digital Business Lounge, Graphix Creator, and Lead Capture pages.

You can now attend (at an additional cost) the live events held in various countries (US, UK, CAN, AUS) throughout the year and also access to a private community site.

Commission when referring an Essential Member:

$200 from the one off and $200 per year if they reinvest at this level
$20 from the monthly recurring subscription


$2500 one off payment to begin (however this $2,500 becomes an annual cost) then $97/mth

Elite is a private mastermind with live webinars and lots of training and coaching from the co-founders Stuart Ross and Jay Kubassek.  This membership is for fast tracking your way to success as you qualify for the high commissions by promoting the Six Figure Mentor memberships/training and tools.

Like the Essential membership, it also includes the additional smaller monthly costs of Simple Lead capture pages, DBL, Graphix creator and Simple trakk.

Commission when referring an Elite Member:

$1000 from the one off and $1000 per year if they reinvest at this level
$20 from the monthly recurring subscription


These are heavily involved programs, some with hands on workshops and events depending on what level you purchase at.


Here are the cost of your DEA products below and also more info here;

DEA Silver $3,000
DEA Gold $8,000
DEA Platinum $11,000
DEA Black $20,000

Commission on DEA Products:

You get 5% on sales of these products if you are an Essential member and 10% if you are Elite.

10% commission of DEA Black is $2,000

Checkout the full Six Figure Mentors and DEA payment structure here.

TOOLS & COSTS Associated

Digital Business Lounge:    $37 or $67/mth
A platform to create your own website and blog that is done quickly and easily. No need to host your site anywhere as well so this additional cost is covered.

Simple Lead Capture:    $29.95/mth
Make lead capture pages without knowing how to code or design yourself. This is a page builder program where you can create, edit and publish your own designs to suit your needs.

Graphix Creator:   $99/year
An application to create ebook covers or perhaps a cover for a product you may own.

Simple Trakk:   $9.95/mth
Very important to know where your audience is coming from, so this gives you funnel tracking capabilities and the ability to split-test.



  • Teaches basics on affiliate marketing to get you started
  • Lots of training videos to get you informed how to market
  • Sales team to close your leads so you do not have to
  • Ongoing commissions and the possibility to make $1000
  • Includes a website, however only for Elite members
  • Support is readily available and lots of it
  • 30 day money back guarantee



  • Free 30 day trial can only be given after giving credit card details
  • Not really clear when joining, as there is not only the Six Figure Mentor program but the Digital Experts Academy as well, which are separate programs/products.  DEA are all the high ticket upsells you learn about when you get in
  • Very limited training and offerings on the $25 package so you really have to upgrade to get access to more tools and training
  • Additional fees for tools (Digital business lounge, Graphix creator etc,) if you come in just as Student access
  • The higher ticket items could come with higher commissions



They claim it is for these following people;

People dissatisfied with their job or employer.
Stay at home mums or dads.
People after extra income or wanting to change their life path.
Unemployed people. (mmmm, wondering how they will pay for any of this?)
Retired veterans and Grandparents.
Those with zero business experience.
Affiliate and network marketers looking for additional opportunity.
College and uni students.
The list goes on….

I think it may be more suited to the seasoned marketer.



They seem to have a lot of support from system consultants to new member services but you don’t have direct access with the owners unless you are part of the bigger ticket items. There is no live interactive support, just a private community which can take time to get queries answered.  You can have a consultation, however an appointment has to be made.


When you join this program, you are basically taken through steps. You follow this information, and it will only take you so far unless you buy (dearer memberships) and further into the program. So if you are not prepared to pay as the memberships outlined above, then you wont get very far.

I think when you join something, you should know all there is to know about it.

I do hope you enjoyed my review of Six Figure Mentors affiliate program and can decide from the information if it is a fit for you.
Please read my Disclaimer here.





Wealthy Affiliate My No.1 Recommendation Vs Six Figure Mentors

Make it an awesome day,











Is Saivian a Scam? Hell Yes – An Insiders Review!

is saivian a scam

Company Name:   Saivian
Overall Ranking: 0/100
Price: $125 US dollars – Monthly Membership
Owner & President: Eric J Dalius
Website: https://www.saivian.net/

INTRODUCTION to Saivian and is Saivian a Scam?


*** UPDATE !!! – 13th August 2017 ***

I received this message on Sunday from a reputable source that was one of the first Saivian distributors in the U.S.  It stated that as of July 31, 2017, they have CEASED OPERATIONS IN THE U.S.  It’s unclear if anyone will be paid their money owed, but hopefully people WORLDWIDE and especially Asia, will be smart enough not to join this, only to be scammed also.

Attention Saivian, LLC, Members and Affiliates in the United States of America

Effective July 31, 2017

In order to support other business enterprises and universally conform business practices to the demands of emerging markets in Asia, Saivian, LLC, is being discontinued in the USA upon the following terms.

  • Saivian, LLC, discontinued operations in the United States of America July 31, 2017.
  • All Member and Affiliate enrollments in the United States terminated and concluded and no further Members or Affiliates will be enrolled in the USA as of July 31, 2017.
  • All Saivian, LLC, Affiliate support and Membership services ceased as of July 31, 2017.
  • No resident of the United States is permitted to participate as a Member or Affiliate in any of the international programs, namely Saivian International, LTD.
  • Membership fees were paid on a recurring 28-day cycle for Membership benefits received, which benefits concluded July 31, 2017.
We respect our past association, and we wish you well in all your future endeavors.


Still Don’t Think it is a Scam?   Then read on….

I was introduced to Saivian in April of 2016 and am truly blown away that this Company still exists.  In a nutshell, you pay $125 for a membership every 28 days which equates to being billed 13 times a year totalling  $1625 US Dollars.

If you get 3 others to join and pay for the membership then the membership is free and you qualify for the Daily pay. And you get up to $250 US Dollars a month cash back on your (all types of shopping/travel) receipts.

The company claims they want the data on your receipts. This is so they can sell to 3rd party marketing partners, hence how members who bring others in can get daily pay from $5 to $3000 daily.  Yes – you heard right – daily – and yes, some of the big earners are on $750/$1,000 a day.

is saivian a scamSaivian claim they do a similar model to that of Facebook.

With Facebook, data is accumulated from likes and comments etc that you and I do on various pics, and when you signed up for a Facebook account, you may have ticked boxes of hobbies, pets or business stuff that you liked.

This is why Facebook can now sell very geo-targeted information to advertisers. You may have purchased ads yourself on Facebook utilizing this very data.

However that takes years to collect this type of information and there is no way Saivian have collected that amount of data in this short time through these receipts.

So there is no way they are even close to being able to sell geo-targeted data to these marketing partners.

It is a crock.

I was at the Elite level when I left Saivian and truly enjoyed the daily pay of $30 daily and the $250 cash back every month.  What I didn’t like, was learning that these marketing partners just did not exist.  That only about 8% of people were actually putting in their receipts.

So the daily pay is coming from new investors and the new memberships being paid. How could I ethically join others up when I knew a product didn’t even exist?  And the fact the membership gets paid in one end and that there is enough to fund the daily pay and the small percentage who actually do lodge their receipts.

God help Eric J. Dalius if eveyone lodged their shopping receipts – But they don’t.

Sounds a bit like a ponzi scheme to me – Definition here:


Over the past few months the Company has had some changes, and the $125 membership is now called the Global Savings Plan which is different to when I started.  We had a Shopping membership and a Global Travel membership so it looks like Saivian has now combined the two.

Included in the Membership is:
The Instant Savings Benefit (ISB) A Savings and discounts program from thousands of stores around the
globe which are additional savings to the cashback.
The Travel Portal and Cash Back Enhanced program.
You can pick your own stores and change them every 30 days.
Receive up to 20% cash back on your everyday shopping.
Member access to the ‘Free’ mobile app to scan your receipt purchases.




Up to 20% cash back is great and a maximum of $250 every 28 days.
It had a multi level marketing side to it using the binary model (building 2 and 3 downlines).
Daily pay was also very good if you had 3 or more paid members in your downline.
There is no contract so you can leave Saivian at any time.
Phone app is now available for receipts to be scanned and appears easy to use.


For your first Cashback you have to wait 90 days.  You start, then it is 30 days of collecting receipts.  You scan them onto your app on your phone, then it takes them another 30 days for them to (apparently) check that data.  You get your (up to $250) cash back another 30 days later. Which you now have to turn around and generate a pass to get your money.

By then you are nearly up to paying for a 4th month of membership fees.  $125 US dollars x 4 – You do the math. And this is before your very first Cashback.  Then it flows monthly from that point.

No information on the Company Owners
There is no information on the promotional site about the Company owners however if you want to learn more about who is running this show then Google E.J Dalius or Eric J Dalius. He was a quiet partner from the start. I am not here to bad mouth him or anyone for that matter.  There is plenty out there that have good reason of their own though, so Google him and knock yourself out.

is saivian a scamPeople not getting Cashback or daily pay on Convenience Cards – they have to sell Passes:
To get your cashback or money earned they use these passes calling it the “Pass Economy”.

When I started with Saivian 20% Cashback I had to purchase a pass which had a letter and about 10 numbers on it.  So when I signed up with my name and email I had to put in that pass to activate my membership.

Then when I got cashback and my daily pay, again I had to generate a “Pass” and sell it to a new member or someone else in Saivian.  It was really confusing and still is by the sound of it. Alot of countries still have no way of getting their money out from an ATM, paypal or something similar.

Many times (in the short 6 months I was there), we were being promised a Circa Black/Mastercard – but did not happen.  Every time they said we were getting a card there was always a problem.  So why is that?  I have never heard of being part of an MLM and not being able to be paid, and I have never seen anything like these passes. And it looks like they are bringing bitcoin into the equation now as well.

So the company is 1 Year and 5 months old today and most of the Saivian members do not have instant – direct access to their cash back and daily pay and still HAVE TO SELL PASSES !!!

Again it is ridiculous!  And has you asking yourself is Saivian a scam?  mmmm….

Support was absolutely terrible – almost like they didn’t want to be contacted.  It may have improved, it definitely needed to and could not get any worse.

Corporate fell like flies.  When I started there were 5 people heading the company.  They all were very reputable business men in their own respective fields.  And EJ Dalius seemed to be a quiet partner,  mmmm….  Not one of those 5 men that headed Saivian when it started on November 1st 2015, are still there today…. Yip, they are all gone. So again you are left wondering, is Saivian a scam?

Marketing Partners is A Crock.  Saivian claim the (point of sales purchases) POS data is subsidized by third part marketing partners and how you get the Cashback on your receipts.  These “marketing partners” just do not exist!


Saivian can be for any shopper.  To get the full benefit of the $250 cashback every 28 days you have to spend the maximum of around $1200 per 4 week cycle.

If you have not referred 3 people who are paying members, then you come away with $125 in your pocket each 4 weeks because the other $125 has to pay your monthly membership.  So ideally your best bet is to get 3 people and earn a daily pay of $5.


They have company calls but these didn’t give you much.  Was always hype and telling you how exciting and new things are coming.  I know for a fact that many countries including Australia and New Zealand still do not even have a card to go to an ATM and get their earned money out. They have to do it with what they call the pass economy. (Refer to my Cons section for the explanation on Passes to get paid)

They have finally developed an App where you can photograph your receipts and upload the data onto that which is more convenient than scanning them at the end of the month.  Again, god knows what they are doing with the receipt data.

They always threatened that if you didn’t do it correctly and in order of receipt dates etc, that your cash back redemption would be void. I must say I got paid on my 3 sets or 3 months of receipts I put in but they definitely were not all correct.  That made me laugh because did they really check them?


The daily pay was quite lucrative and they did pay into your back office every day if you qualified for it, depending on your level.  You could be at $5, $20, $30, $50, $100, $150, $200, $300, $500, $750, $1,000, $2,000, $3,000 paid daily. Of course you need alot of members in your downlines to be getting the bigger paydays.

The compensation for getting 3 paid members and growing teams can be very enticing but at the end of the day, if there is no product, then how can you morally be promoting this to others.  Just so wrong.


It was horrendous. We had to go through the Australian founder to get answers and that could take days.  They did not have any reliable support for months, and pretty much the whole time I was there.  I think it is better now. Really not sure.

What I don’t see on the Saivian site that is used for promoting is, you do not see who runs this show and who owns Saivian.  Why is their no owner details?  Well you wouldn’t be putting EJ Dalius in any of the Company information for your new prospect to be looking at. Again, Google him and you will see why.  Is Saivian a scam?  Looking like it if you research this information up, don’t you think?


$125 US Dollars every 28 days.
Or get 3 paying members in your downline and it is free.


So is Saivian a scam?  It absolutely is and I know heaps of Australians and Americans who got the hell out of it because of the way the whole company and business was conducted.  I was so disappointed as I thought the concept of Cashback for receipts was awesome and that they were doing something similar to Facebook, but sharing the revenue gained from the advertising partners,(unlike Facebook who are worth billions and keep it to themselves!)

And the reason I know alot of this information is a number of us had meetings with people who were “in the know.” Many a zoom meeting was held with Saivian members in leadership roles from America. We would discuss the whole marketing partner issue, the inconsistency and lack of company support and why we knew nothing about Eric J Dalius from the start.

Again, like I said it was really disappointing for all of us involved, as the concept of the cashback was a great help for the average earning household.  But continuing to promote and join members up just was so wrong.

So is Saivian a Scam?  A big YES and the reason I went looking for something that had reputable leaders, cost a fraction of the price, had all the tools and community support I needed – we get legitamately paid throught Paypal and I got to check it out for free.

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