 John Crestani here and I'm going to be talking about some marketing that crossed the line here. There's three marketers in particular that the U.S. is going to be sending to jail because their ads were so effective but they went over the line. The first ad we're going to be looking at here is a fake COVID relief ad that was used to sell cars. The first part of this marketing if you look at the first letter they sent out these packages to people in the mail in their local area and these ads worked extremely well but they worked too well and they got them in extreme trouble because they didn't disclose their financial terms correctly. They faked COVID relief and amongst other items they had all sorts of problems here. Now the first part of this ad you'll see it looks like a real official government document. This is a highly effective tool that you can use in marketing is making your ads blend in with something that has a lot of credibility. You see this on TV sometimes where you think you're watching a public service announcement because it's got the same style but it's really an ad or you think you're watching a news show but it's really an infomercial or an ad. I did this in TV where my ad which is a 30 minute long TV infomercial it looks like you're watching the news but it's really an ad for my book. That isn't illegal but in this case faking that it is actually a medical relief okay it's very different. You can make your ads look like a government public service announcement somewhat or the news somewhat but not all the way and not medical relief and in this case these marketers went way over the line but they continue to go over the line. When you look they actually show a fake check. Now this is another tried and true marketing tactic that is very effective and I don't think there's anything illegal about sending what appears to be a fake check but when you are making your check look like it is a actual government stimulus for a deadly medical condition medical issues and the FTC do not work out well and this has an FTC case from the Federal Trade Commission which is the commission that governs marketers out here in the US they went over the line also you'll see that even their disclosures they don't let you know the actual financing all the numbers are fake they don't include any of the fees they're advertising what the product costs but it doesn't really cost that much these guys are just trying to get you to get on the car lot they're selling used cars they just want you to get on the lot so they can hard close you there they don't really care if they're advertising has any modicum of truth in it that's why these guys are getting sued by the US government and possibly taken to jail or their business shut down or find a lot of money this is a federal case the other thing you'll see that these marketers did again they must have had a very aggressive marketer working for them is they have a ton of facebook postings for cars now if you're selling used items in your local community that facebook's marketplace might be a good place for you to consider to market and i've actually i have another video where i teach people how to use the facebook marketplace to actually generate leads there's a lot of stuff you can do with facebook's traffic in the marketplace to make money as a marketer but in this case this was all false advertising you didn't actually have to put no money down there's all sorts of hidden fees and hidden charges and whenever you're messing with both the financial system you're lying about financial stuff and you're lying about especially lying about financial stuff where you're charging people money and hidden fees and all this stuff that's a big no-no with the federal trade commission and the other one is just anything medical related with false claims or really hijacking the trust and credibility of the u.s. government will land you in a lot of problems very fast so this marketer even though it seems like they have some good marketers on their team that know the right stuff they're messing around in the wrong field which is with hidden fees and fake medical relief big no-no's let's go on to the next one now this next ad is from a very large company and this is a very large ftc case that is being preceded which is for Lending Club which is a lead generation company for mortgage officers and mortgage and refinance companies that is for those of you not in the u.s. that means home loans so this is a company that is generating interested people's information and then they're selling their data to actual home loan companies we're talking big money here hundreds and hundreds of thousands if not millions of dollars that each of these mortgages or refinances are worth so it's a big chunk of change and in this case they're just trying to get high conversion rates i mean that's how these companies work when you're generating leads you want the highest conversion rate possible but these marketers cross the line because they claim there's no hidden fees but once again they're running into trouble because there are hidden fees and lending club is failing to disclose them or they disclose them in fine print way too far down and when you're dealing with credit and complex financial instruments and you're not disclosing things properly that will land you in a lot of trouble with the government as is the case here and furthermore they are saying in order to get people to give them all their information so they can sell the leads for more they're saying everybody qualifies for a loan when in reality it's just marketing it's there there is nothing on the website that's actually checking if these folks are qualifying for this actual loan it's just a marketing tactic to get more information so they can sell more data and that's a big no no i used to market mortgages myself that was the last job before i became a full-time internet marketer and i was marketing mortgages and there's a lot of regulations when you're dealing with large amounts of money and complex financial instruments that need to be abided by and you can't make wrong steps when you're doing that now after i got out of marketing mortgages and i started working for myself i was marketing an investment company and once again there's a lot of regulations there's a lot of money there right because when you're dealing with the financial system there's just endless streams of money changing hands and really all you need to do is just poke your head up stick your hand in and just catch a few dollars because there's so much money flowing through loans and investments it's insane and i made almost over half a million dollars marketing the investment company as an affiliate and that was the first year or two of my career as an affiliate marketer now if you want to learn more about affiliate marketing and the business i did to or and i still do to make a lot of money and how i built my wealth and i now own two acres huge property in malibu i built a really incredible life and i'm really proud of it you can go in the links in the description you can see where you can sign up for a free training for super affiliate system which is my training program i've trained tens of thousands of folks to earn their first dollars online and become affiliate marketers we do everything the legal and compliant ways i don't teach these fast methods that will land you in jail because marketing is a regulated thing around the world and you just can't make false claims in this case the lending club was trying to make a quick buck at the expense of people really now this last case which is being investigated and prosecuted by the u.s government the federal trade commission is for another large company named tap joy and they partner with mobile app companies to show ads and sell virtual rewards and whatnot but the problem here is that they did not disclose hidden fees once again the government and governments around the world hate when you go out and you market products and you play around with people's finances and you're not upfront about what something costs and how many payments you will receive your credit card will get dinged in this case this is somewhat similar to lending club whereas tap joy is an intermediary for a lot of other different companies they say buy this product to get virtual rewards that you can use in the game and they've partnered with a bunch of other companies dozens or hundreds of other companies to create signups now this can be an effective way to create signups but the problem here is is that tap joy didn't look into the companies that were advertising on their platform and many of them had hidden fees and the problem is the government doesn't care that even if tap joy you know claims to be just an intermediary tap joy says oh no it's not you know it's these other companies that have the hidden fees we just allow them to advertise on our platform and people kind of sign up it doesn't matter in the government's case because in their mind tap joy was enabling these companies to actually defraud the public and that doesn't fly in same thing in lending club lending club is just generating leads for these other home loan companies hey it wasn't us right we're just an intermediary doesn't really fly because they are expected to do their due diligence and as a marketer it's important to know this because even as a marketer you could say oh i'm just marketing the company but it's up to you to know okay did somebody do their due diligence here you know that's why i like to work with long-term affiliate networks that are established and do due diligence for me so i don't have to go through all those pains and that's why i use clickbank and digi store because those are long-standing affiliate networks clickbank is possibly the oldest affiliate network online they were created in 1998 and they vet all their companies and they make them go through compliance checks before they allow you to market products i've made millions of dollars through clickbank i have an affiliate program on clickbank called a super affiliate system and you can earn five hundred dollars for every sale on there great training program link is in the description and i hope you enjoyed this video kind of showing another side of marketing of what you don't want to do you don't want to get in trouble you don't want to do these bad things when you're starting your business so make sure you have all the information you need to make sure you're going the straight and narrow path you want to earn your money and not have to look behind you to see if you're going to keep it you want to sleep well at night so make sure when you start marketing when you start your home-based business whether that's you know learning affiliate marketing from me or whether that's learning how to sell on amazon from somebody else or learning how to drop ship by using Shopify whatever you do i do encourage you to get training because there are so many ins and outs of this world nowadays and there's a lot of regulation and get your training from somebody who actually addresses some of these topics because i see a lot of marketers i see a lot of gurus and trainers that really talk zero about the legal ramifications of selling products online and the reality is that we exist in a world where there are rules where there are laws and in order to be a good citizen just a good person you should abide by them so hope you enjoyed this video leave a thumbs up give me a like in the comments hit that subscribe and notification bell any questions you have about any of this or even if you enjoyed the video or if you hate the video or you think i should discuss different topics about these cases let me know in the comments below i really value all your feedback and i read your comments and thank you for participating in learning to create your own success so i'll see you in my next video bye