iCitiLife Review: 2 scam business models + travel
It’s no secret that the travel niche in MLM and home based businesses has exploded in the past couple of years, although arguably it’s been taken over by irrelevant online training product based opportunities.
Still, out of the many travel based companies out there that launched over the past few years, some are still kicking around as long as there are new members to feed into the compensation plans.
Typically, these business models revolve around matrix systems that require a constant influx of new members to keep paying commissions out. Another common but less used model is the binary pairing model which pays out a commission based on the amount of new pairs of new members bring into the business daily.
Not content with just following one of these models, iCitiLife have gone for gold and decided to use both.
Read on for a full review of the iCitiLife business opportunity.
The Company
iCitiLife launched in mid 2010 and is based in Indonesia.
Staff wise the company is headed up President Director Michael Sverdloff.
Despite iCitiLife claiming that ‘the executive leaders at ICL are highly experienced business owners with proven track records of success in their key areas‘, I wasn’t able to turn up any company history or ‘proven track record’ for Sverdloff.
Business wise (specifically in the MLM and home based business niche) Sverdloff appears to be an unknown.
Interestingly enough iCitiLife also claim Billi Lim as a ‘Training Consultant’ for the company. Lim has authored ‘Dare to Fail’ amongst other books and appears to be an accomplished author with a public reputation external to iCitiLife.
I find this quite odd given the nature of the iCitiLife business (more on that in the conclusion of this article).
iCitiLife’s Product Line
iCitiLife market what they call ‘lifestyle’ products. These range from diamonds, travel, flights and hotels.
iCitiLife themselves don’t have any products and instead rely on affiliate agreements with third-party vendors to service their members.
iCitiLife only act as a membership portal to these affiliate offers.
The iCitiLifeCompensation Plan
The iCitiLife compensation plan combines two of the most well-known models of compensation plans used today, a binary organisation upfront and a cycling matrix backend.
Both models work independently of eachother and payout separate commissions. Additionally, there is also a Fast Start Bonus offered.
Fast Start Bonus
iCitiLife pays out a Fast Start Bonus of $20 on every new member you recruit to the company.
Binary Commissions
In order to earn binary commissions with iCitiLife, you must first recruit two new members to the company.
Once you have your two members, they are placed in your binary organisation. With you at the top, a binary organisation splits out into two legs underneath you. These two legs in turn branch out into two additional legs and so on and so forth.
As you begin to fill up your binary organisation, it’ll start to look something like this;
For each membership sold to iCitiLife by members in your binary organisation, you are paid out a $40 commission based on the pairing of these sales between the left and right sides of your binary organisation.
For example, if your left side sells 2 memberships in one day and your right side 3 memberships, you’ll earn an $80 commission (2 paired sales) with one sale left over on your right side for the day.
This binary pairing commission is capped out at $440 a day, or eleven pairs.
In addition to a cash commission, you also earn a $40 voucher (not redeemable for cash and only able to be used to purchase goods and/or services from iCitiLife). These vouchers are earnt if you reach 6 and twelve pairs a day (note there is no cash payout for reaching your 12th pair).
Note that any left over unpaired sales will be flushed from your stronger side at the end of any given pay period (which I believe is a week). Any left over unpaired sales that are accumulated daily, are carried over, providing it’s not the end of a pay period.
Power Leg Commission
The Power Leg Commission is also based on your binary organisation, and focuses on pairs again.
Unlike the daily binary commission however, the Power Leg commission has no time limit and your pairs are not flush, instead they are accumulated towards set targets.
There are ten targets, or ‘cycles’ as iCitiLife calls them, and once you reach each cycle you are awarded a payout.
I’ve included the payouts in the chart below;
What you want to look at above are the ‘accumulated strong leg units’ and ‘accumulated less leg units’. Once you’ve met a cycles requirements (note that each unit is an individual membership sale, not a pairing), you can look at the ‘Power Leg Commission value’ column to see what your payout will be.
Note that for Power Leg commissions the ‘accumulated your binary commission payout + binary voucher’ is irrelevant.
Cycle 10 as you can see requires 12,228 members in your stronger leg and 4096 members in your weaker leg for a payout of $102,400. Upon reaching cycle 10, iCitiLife members are then recycled back into the system beginning again at cycle 1.
Titanium Pool Matrix
The first of iCitiLife’s matrix’s is a straight 2×4 matrix (it looks like your binary organisation but only extends down 4 levels deep).
Once filled with new members (14 members in total), the person at the top (you) gets paid a commission of $142.50 and cycles out to the Platinum Pool Matrix.
For the remaining 14 members, the matrix splits in two down the middle and eight new members are required before the matrix fills up again and splits.
Note that when the Titanium Pool matrices split, members are ordered in the new matrices depending on how many membership sales they have made. Those with more membership sales are placed closer to the top (the person with the most membership sales sits on top of the newly created matrix after a split).
Platinum Pool Matrix
iCitiLife’s second matrix is the Platinum Pool and it’s again another 2×4 matrix with 14 places to fill.
The Platinum Pool pays out $2500 and operates in the same manner as the Titanium Pool. Once all the slots are filled the person at the top gets paid and the matrices split.
The person at the top re-cycles into an existing Platinum Pool matrix (they follow their upline) and everybody else is re-arranged in their split matrix depending on how many new members they’ve enrolled since joining the matrix.
Joining iCitiLife
Joining iCitiLife is a straight forward affair. Those wishing to join must sign on as a member which costs you $340 for life.
Along with this membership you are presented a voucher for $290 which can be used towards iCitiLife’s products and services.
The membership also includes one year of Franchisee fees for which iCitiLife provide you with an online store to retail their products and services. The Franchisee fees are $150 annually, which I believe is a mandatory payment after your first year of iCitiLife membership.
Conclusion
With all of its products and services outsourced, it’s pretty transparently obvious that iCitiLife itself is merely marketing membership.
Specifically, the company is collecting membership fees and then via cycling matrices and a paired binary model, paying out its members commissions.
This is pretty much illegal in most of the known world. Apparently Indonesia hasn’t quite caught up yet, or iCitiLife hasn’t grown large enough to warrant an investigation into the company.
As a marketer for iCitiLife you’ll be doing one thing and only one thing only, selling memberships.
All of the company’s services are easily detached from the business opportunity and bear no relevance to iCitiLife’s compensation plan and the commissions on offer.
You are able to earn commissions if you sell third-party services through the affiliate agreements iCitiLife has in place, but you’d be able to do that anyway whether you joined the company or not.
As far as iCitiLife goes, they’re entire commissions structure solely revolves around memberships.
Without new memberships there are no pairs in your binary organisation to pay out on, and there’s no new members feeding the Titanium Pool matrix which in turn feeds the Platinum Pool matrix.
In short, no new memberships = no commissions for anybody.
We’ve seen this all before guys, membership driven matrices and paired binary compensation plans… at the end of the day they always inevitably go bust purely because of their need to have new members being constantly fed into the system.
Stay well clear of this one folks.
ICITLife is basically TVI Express with a couple more things thrown in to confuse the audience.
Most former Indonesia TVI Express folks moved to ICITLife when they realized authorities are going after TVI Express.
Personally I think all these travel based MLMs are a blight on the industry as I’ve yet to see a legit one come across my desk.
Definitely something the MLM industry could do without.
another one of those tricky money making..:(
Damnn.. i got scammed.. not only me but my mother too =( i pitty my mother and it was my fault though.. what a waste of money.. nothing ever happened..
no new members = no money.. now i gotta find money to pay my mother back =) i feel so stupid.. and guys.. if someone offers you, just say ‘NO’.. no matter who that person is..
i havent got any income yet from this SCAM..@##%&!!
Sorry to hear about your loss yol, I trust you’ll think twice about joining another company that just relies on recruitment to generate commissions.
Yeah thanks oz.. yup will think twice.. the guy was very convincing.. two rrgistration is alot of money. Could of used it for some other causes.. like other daily use.. I’ll take this as a lesson huhu..
the very next day after registering, we had an odd feeling that it was not right.. but too late =(
dude..your explanation is incomplete..thats why its look like a scam…
icitilife members still can earn commision by sharing our membership to others..
for example hotel,,if non member wants a cheap price,they can request booking through any member of ictlife..
what is the benefits?
a member will recieve 5% cash rebate per day
2.every people who wants to use any icitilife membership using for travel n tours
Member will recieve 1% each person/day
coclusion here ictlife are giving option….not compulsary for selling..we can use for membership or compensation plan
@keep growing
I didn’t see that written anywhere in the compensation plan when I went over it.
If I’ve missed it, please provide a source as your explanations are unclear. Members receive a % of what and for how many days?
Also who is paying the alleged rebate, the hotel or iCitilife?
Even with the rebate, the fact that the rest of the comp plan is geared to recruitment still trumps the rebate side of it.
And how the **** do you receive “5% per day” rebate any way? Is it 5% per day of stay at the hotel? isn’t that just 5% off the total hotel bill? Or is there some thing else you didn’t mention? 5% of what, exactly?
Given that most major cities charge like 15% hotel tax, 5% discount is barely significant.
Hi, I am really really keen to FIND OUT more if ICitilife is a scam as I have a lot of really good friends paying for the membership. It has grown big and has even set up an office here in Brunei.
I have been very skeptical about it from the beginning but after attending the seminar i thought it was great money making money just bring in loads of friends to sign in as member. They are so convincing I was thinking of joining the membership for the hotel part. But after reading this I am thinking again.
Please please Can you please give clear cut information that this is a scam.. please help..
Yes, it’s a recruitment scam, but it will be able to pay out money as long as people continues to recruit. Unless it’s being stopped by authorities before it collapses.
Most of your friends will probably lose money, but a few of them will possibly make some money for a short period of time. None of them will be rich. Opportunities like this pays less money OUT than it takes IN from members, so most members will lose money.
“It has grown big” means you already are too late. You’ll need to join schemes like this BEFORE it grows big, long BEFORE people starts to lose money. But you will also need lots of experience, and lots of recruitment skills.
Try to add some of the skills needed before you join anything? Or join something in order to be experienced, instead of joining it for the money?
ICIT Life is a TVI Express clone.
As TVI Express is a proven scam around the world, ICITLife is very likely a scam as well.
Hi Norway & K Chang,
Norway-Thanks for telling me to join any schemes before it boomed :). I am a skeptic and find joining stuff like this a bit discomforting when it involves my hard-earned cash. But man! They are so good and convincing!!!
Yes, its members in Brunei are coming up to over 500 persons or maybe more by now. Apparently it was in Brunei a few years ago but only boomed 2 years back. Which means as you said those who joined the earliest has already earned quite a substantial some of monies.
1. Considering my besties friend who has been a member for a year has 2000 over members under her in Brunei,Malaysia and Indonesia and her earnings has reached US100,000over now.
2. A young local single mother sharing with her bff(9months doing this) earning US4000 a month and a shell employee earning US17,000plus. All due to recruitment as you mentioned by opening 3-15 accounts of their own money.
3.If its a scam as you mentioned clearly it is, “WHY” has our authorities not being able to shut it down before it even started??
4.The thing is this Billie Lim guy from singapore has been conducting “Boot-Camp” seminars for members and there’s another that will take place in Kota Kinabalu,sabah in June mainly for teachers costing US$810 per person using their US$290 Voucher for the 4Days seminar.(i convinced my bestie NOT to join this becoz it cost too much for a short stay in KK.)
5.During the meeting setups they mentioned that Billie Lim was the person who convinced this Michael Sverdoff plus an Indonesian Lady to do a multi level network for his diamonds that he “owns”.(something in that manner)
6.They are also using “Nicholas James Vujicic” videos for motivation.
6. AGODA & GTA hotel engine system for hotels for the I Hotel scheme.
7. They have even shown some airlines supposedly to be part of this whole network program too on their I Travel-Singapore Airlines, Malaysian Airlines, RoyaL Brunei Airlines and others.(There will be a group of 15 persons going for the muslim UMRAH this june too and the package is cheap at BND$3800 plus.)
Sorry…it has been a very confusing turn around, mind boggling set-up if they are able to use this authentic companies in their website making it convincing to the public that they are in fact an authentic company and not a money scheming scam.
Oh another thing at the end of the meetings they say that this is not a fast money earning scam or something along that line. How do one go about informing the public or the authorities about its existence if this can be done that is?
Any help in this.
One warning sign you can see is they have this “slogan” that means nothing.
“Life you deserve”… what the **** does that mean? It IMPLIES that you can make a lot of money and afford whatever you want.
How many LEGITIMATE companies have slogan/tagline like that? Hmmm? It’s a propaganda technique called “sloganeering”.
I don’t know about your country’s laws, as this is a financial system matter. In some countries this is handled by central bank (which is also department of treasury). In others there are specific agencies that investigate Ponzi schemes. In the US for example there is the FTC.
These schemes thrive in nations that lack a central agency that can deal with this swiftly.
Brunei is Islamic. I imagine one of the quickest ways to kill this is for the local Ulama council to denounce it as haram, and put that in the newspaper.
To do that is very simple: just take the promotional material from the seminar to the imam, and ask humbly,
“Sir, I have been recruited to join this business, but I am troubled as it seems to conflict with some teachings of Islam, which prohibits uncertain transactions (gambling). Who can I talk to in the council that can tell me if this is halal or haram?”
then I hope you will be lead down the path to your proper answer!
THanks K Chang. I will have to get the promotional leaflet as we weren’t given any. But the idea of getting an ulama to go through this is an excellent idea.
But first things first I would need to approach some close friends in the justice system and check with them how to get the authorities attention on this. But your point on going to an iman is also great and yes BRunei is an Islamic country and this sort of things are frowned upon.
At the same time I feel like I am pulling the plug on a lot of peoples dreams like a whistle blower. As most who are joining are the low income families. I doubt anyone will be thankful for what I am thinking of doing.. It sure is hard to do this.
whether to blow the whistle or just don’t join and ignore it. I will need to think this thoroughly. BUt thank you for enlightening me and clearing my doubts. I am sure glad I found this website/blog and will recommend to friends to read the forums as well as know what’s what in the networking world.
BTW I forgot to mention about the coins, ICitilife will be introducing Gold coins to new memberships. Those who join before May gets a magnetic bracelet that I have seen sold for B$300 plus and a US$290 voucher that can be used to purchase diamonds online. i noticed that this coins look similar to the ones sold/gifted by ISN COINS???.
The members who bought online diamonds had their purchase check at legal jewelry shops to deem its authenticity. There are those using the IHotel online by using the AGODA & GTA booking system which in fact you can book directlly with them online .
They mentioned that once you have purchased rooms you need to print it out or send to them how many rooms you have booked in that month so they can send you the rebate. I don’t know how many percent is that. Do they even have permission to put this 2 largest Travel industry into their website? Is that legal?
Anyway a scam is a scam and one that I will make sure I don’t get roped in to do. I am very grateful I am a skeptic!! 🙂
May I continue to post what I find out about Icitlife in my country and what else they are introducing here ? And if you Oz,Norway and K Chang have more details to share please share so I can give this to friends to be aware the scam.
Thank you…
@AMakinjai — you must let your heart decide what is right and what is wrong. There is an old saying: the “ends” (end result) do NOT justify the means (how to do it). I think there is an similar saying in Islam, something about “if the beginning is tainted, then the result cannot be clean” or something like that.
It is very often that the victims of a scam will blame the authorities for stopping their path to riches. In Colombia 2008, when the government shut down the Grupo DMG ponzi, some Colombians conducted a hunger strike demanding government reopen Grupo DMG.
In India, some victims of SpeakAsia ponzi formed AISPA and fought government in court, even paid off one victim, to impede government investigation. (you can see discussions here on Behindmlm)
Very often, these people (and those who goaded them on) will call us, the truth-seekers, “dreamstealers”. They are the real dreamstealers, by making false promises. I recommend you read why avoiding negativity, as they are attempting, is stupid.
http://kschang.hubpages.com/hub/Danger-of-Seeking-Positivity-and-Ignoring-Negativity
I will also refer you to an Islamic expert’s analysis of MLM model being haram:
http://en.allexperts.com/q/Islam-947/2008/8/multi-level-marketing.htm
He’s an expert in Saudi Arabia, I think. Though it should be applicable to Brunei as well.
I am going with my gut instincts and I really don’t want anymore of my good friends to be roped into this with their hard-earned cash. I hope that my conscience will knock me hard so I will do the right thing. 🙁
thank you for the links. I am keeping it and will let my friends have a read..
The link is worth reading, since it also makes sense from a business perspective. In most businesses you will need some ethical rules to make the business work without creating trouble in the future.
It was worth reading because the expert kept the topic neutral and factual, and because it wasn’t too onesided in the viewpoints. He was able to “create a bridge” from his field of expertise over to my fields.
Some people will join an opportunity anyway. They will be more eager if you’re trying to prevent them from joining.
One method that works is to offer factual and neutral information, it will usually be found by people looking for it. And these are the only ones looking for information about why they should avoid scams. The ones that are eager to join will usually only be looking for positive information.
We should first of all give factual information people are looking for. We don’t have to add our personal opinions on how “bad” or “good” something is. But opinions can be added later. Factual information can be too “factual” and boring, so opinions can add some “colours” to a topic.
It means you will probably miss the target if you are TOO eager to warn against a scam, more focused on your own viewpoints than the facts. A balanced viewpoint will usually work better.
The Islamic expert would have missed me as a target if he had been too onesided focused on religion. He managed to keep his work more neutral than most religious experts, making it more “acceptable” for a wider audience.
Authorities are REACTIVE rather than PROACTIVE. Things will need to happen before they can REACT. And this is the way it should be in most situations.
I was studying the subject of “compliance”, on how to change people’s mind. people believe in falsehoods because of THREE reasons
a) they are gullible / not skeptical enough to question things presented to them
b) they have been given ADDITIONAL factors to evaluate, instead of purely evaluate the factors (cost/risk/reward), such as friendship, commitment, and so on
c) they have been given WRONG FACTORS to evaluate cost, risk, and reward.
Such recruitment schemes are very careful to craft their campaign to draw in people through ALL THREE reasons.
So how do you get people OUT of these schemes? Right now they believe so much in the scheme they are willing to fight you and other people telling them the truth. They don’t believe you, one or two people against groups of them.
IMHO, you must go to a HIGHER authority. Which usually means two things: government, or religion.
The exact answer will depend on what do the victims believe in more. If the government was weak, then going to them will do little. Government however, has enforcement powers, religion don’t (unless it is a shariah government, but that is rather rare).
However, as M_Norway pointed out, you can’t “beat them over the head” with the truth. It’s called the “backfire effect”. When two bits of information conflict in one’s mind, unless you “guide” them toward the right conclusion, some of them will actually believe their version even stronger.
Religion in this case is very powerful tool, as very few people are anti-religion in your country, I believe. Thus, nobody wants to be seen as anti-religion, and haram. People’s commitment to their religion is stronger than their commitment to a “business”. So you have to exploit THAT.
So again, my suggestion is take the “why mlm is haram” article to your Ulama council with this scam’s promo material (you can probably download their promo video on your mobile if you have a good one?) and request guidance. They can then craft their response, on how mlm is haram in Islam, how victims have been deceived by temptations, and they should give up this scam immediately.
If this can be combined with government enforcement as well, even better, but start with religion first. Once the council make the announcement, and it was picked up by newspapers, the government will act.
I don’t have anything related to iCitiLife now, but I may have something related to methods.
I have already used one of the methods in my first answer, where I identified the business model to be scam, but where I kept the rest of the answer “neutral”, and I balanced the statement about being a scam against “it will be able to pay as long as people continues to recruit”.
I am relatively relaxed when it comes to whether people wants to join something or not. It should be their decision instead of mine, so I will usually not try to interfere with other people’s decisions (other than adding information if they have missed something).
This method of being relaxed makes it easier for me to handle situations where friends have joined something, or are considering to join something. I’m sure it will happen sooner or later. In a situation like that, I will prefer to have a neutral viewpoint.
Since you have friends who have joined this and other friends who possibly will join it, I will believe a balanced viewpoint will be more useful than being too “onesided”.
I was approached by a close friend of mine and introduced Icitilife. I was still skeptical and said that it sounded way too much like a ‘pyramid scheme’.
He urged me to go to a seminar in Serusop for further understanding on how this business function and work. Before i inclined in doing so, i told him that im not interested in making money, but i am however interested in saving costs from travelling.
So what are the benefits? he said that i can have cheap airline tickets from many airlines provided according to the iCitiLife webstie and showed me the Royal Brunei Airlines logo. He also mentioned that i can book cheap hotels and buy less expensive diamond products also through the website.
I called RBAirlines to confirm weather its true or not and to my surprised they are not even familiar with Icitilife. Ok, maybe this is still new i said. So i called Empire hotel and Rizqun to confirm, same answere where given like from RBA. Now it sounds sooo fishy and piqued my interest to dig even further!
i asked my friend why are they not familiar with Icitilife? he told me that RBA has a few problems and i can only order flight tickets from Garuda Airlines (Indonesia) and if i wanted to book hotels it have to be through the website.
I asked my friend to let me see his account and show me the hotel bookings provided. It passed us to Agoda.com which is already an established hotel booking webite. I already have an account in Agoda but i asked him to test book 1 hotel and see the price. The price given where the SAME as like opening agoda alone without Icitilife.
To my knowledge, i already know they will give me 5% rebate/night to any hotels that i booked. (So far i stayed 5 hotels in thailand using my personal account in Agoda..my rebate was 20USD which is quite insignificant.)
After all that research ,i became too aware of how much of a scam this is and turned down his offer nicely.
He may not be aware that ICITLife is using a logical fallacy called “special pleading”, also known as ‘shifting goalpost’ or “post-rationalization”.
When his premise “ICITLife can use RBA” was proven false, he came up with the “RBA have problem, use Garuda” excuse. (Or maybe he didn’t, ICITLife did.
http://yourlogicalfallacyis.com/special-pleading
Keep in mind that this EXACT SAME THING happened with TVI Express: no airline has heard of them. A few airlines even sued them.
yes this business had boomed in brunei. I do not believe this business. if it stays alive for an age older than my parents then I’ll join.
hmm, they say the government had approved it, yet the only product is diamond. it is expensive, but then diamonds come from underground. it just takes time for diamonds to disapear in the world, then boom! the end of the business.
why don’t they focus on a product that will never lost out from the earth, can be produced and reproduce again all over again.
Hi, I’ve read about all the negative sides everyone has posted about Icitilife.
Can I be positive a bit? My dad’s a member of icitilife since at the ending of last year, but he just become actively involved this year, and in that period of time, he has earned a lot of money diligently (as he kept telling me with that happy face 🙂 ), helping our lives a lot while waiting for the salary at the end of the month.
We’re not poor, but we’re not rich either. We have a sustainable life, it is only that we love entertainments a lot (movies, going out, traveling, shopping, my brothers love video games) And my dad is quite acquainted with MLM concept since he was still young, so I believe his choice because he is a very far-sighted man.
And just to be clear, Icitilife does not link with the RBA or THE EMPIRE HOTEL itself but to AGODA.COM and yes of course if you want to book hotels cheap you can just sign up at Agoda.com.
But what icitilife means is when you sign up with icitilife, you already linked to agoda, like you already have an account with Agoda as well. So it is a plus, on the left side you have icitilife to make fast money & on the right side you have agoda for booking hotels. I think that is what they meant actually.
And of course with this kind of business comes a risk, just like any other business I believe. Like you open a convenience store and you have no idea whether you could succeed and recover your modal in time. But icitilife only takes Bnd$450, it is a very small amount of money to those who thinks of long term running, for ppl who wants to work hard.
And yes commission only comes when you introduce ppl, the way I see it it for MLM it is either selling products (like a salesperson) or introduce ppl.
and btw you can cash out your money at any time, so meaning if you’re afraid of losing money, getting scammed, you can just cash out as soon as you get it, I see a lot of the members do that. And they encourage everyone who joins to do it as well.
No hard feelings please 🙁 I’m not trying to convince anyone, because it has helped my dad a lot so. But you’ll never know what might happen in the future. Wallahualam. Thank you~
OH and if anyone here any bruneians here who has gone to the authority (ulama) about this business and asks them for insights, plz do let me know because eventho I’m in this, I am not turning on a blind eye.
Sure.
How did he earn it?
I see. So it’s an out and out pyramid scheme.
Of course you can. The only reason ICitilife exists is because they whacked on a pyramid scheme to free affiliate services anyone can already sign up for and use.
Pyramid schemes are the only businesses that carry the risk of the scheme collapsing once the recruitment of new members stalls. You’d be hard pressed to make the argument that ‘any’ business carries this explicit risk.
Then I’d advise going and see an optician. “Introducing people” is just another word for recruitment and if that’s solely or makes up the majority of where you’re getting your money from, you’re participating in a pyramid scheme.
Hang on, I thought you said your dad was in the company?
…so apart from participating in an obvious pyramid scheme you’re full of shit too? Ask the Bruneian authorities what their stance on pyramid schemes is… you don’t have to wait for anyone else to do it.
Or you could just read this article, which confirms pyramid schemes are illegal in Brunei – http://www.bt.com.bn/business-national/2012/04/08/ponzi-schemes-if-its-too-good-be-true-it-probably
Pyramid schemes, also known as Money Games, are strictly outlawed. In fact, in one such fatwa from Saudi Arabia, even MLMs are outlawed.
Such fatwas probably does not apply to Brunei, of course. But then, you should read that article above.
Just because “they” tell you that it’s not a pyramid scheme doesn’t mean they are telling the truth.
I didnt read all of it. But who ever doubt about their trainig consultant. I already meet billilim and graduated from its bootcamp that have been organize by ICITILIFE on previous march 2012. 🙂
wateva people say, i wont bother coz just for 6month i achive a tittle as a ruby director. Whoever dont want it is fine. Sometimes the almighty choose the right people. I still said that its a true business, once again, i wont bother what people say.
Instead of hearing and look from one side, its better to ask the person who already earn and achieve the income 🙂 or just experience it. No offend and theres no forcing. Tq 🙂
@Mel
So in a nutshell, you’re firmply placing your finger in your ears and insisting Icitilife is not a pyramid scheme based on some flimsy training you attended, despite the fact that the business model relies on recruitment of new members in order to pay out commissions.
Rightio, good luck with that.