Okay, so this isn’t much of a review, because there isn’t much to review.

WealthToolbox.com is a site that claims you can “Join, Earn, and Learn”.

You join for free, and as a bonus they deposit $100 into your account. They invest that money (that they gave you) and you earn from the results. They also pay you $20 per referral, down 5 levels. So they’re paying out a total of $200 per member.

The learning portion comes from this line, “In time, we’ll create and give our members access to audio, video and web tutorials”.

Those tutorials do not currently exist. In fact, as far as I can tell, there are exactly five pages on their website (the main page, the terms and conditions, the privacy policy, the member account balance page, and the member referral page).

Reading their terms and conditions shows that after 24 months, you’ll be paid the balance of your account via PayPal.

This yells “SCAM!” so loudly that it’s deafening. A lot can happen in 24 months Internet time, let alone the fact that, officially, no money is going into the system.

Checking the whois report shows that the domain name was initially registered on February 27, 2001. The Wayback Machine doesn’t bring up anything, as the website specifically blocks their spider via robots.txt.

I’m sure that many sites have valid reasons for blocking the Waback Machine’s archiving of their content. But at 3 public pages, this site doesn’t seem to have cause. Makes me wonder what they’re hiding about the history of the site.

When I run across something like this, I try to imagine myself as the founder. How could I possibly get money out of this site, given that they provide the money into your account and (supposedly) invest it.

There’s this phrase in their terms and conditions:

Account payout is dependent upon you maintaining an active account and abiding by the Terms of Service and membership requirements.

The Terms of Service are on the site, but nowhere is there to be found membership requirements.

So here’s how I would work it. Provide some basic page that allows a member to track how much money is in their account. Send out regular emails telling members how much money they’ve gained or lost based on investments I’d made. I wouldn’t bother with the investments, the point is to gradually increase the amount in their account until they have a vested interest in getting the payout.

Then the “membership requirements” would kick in. They’d need to buy something through an affiliate link, or join a site, or do some other action that would financially benefit me. And I’d keep it up, making them do these things on a regular basis, for the entire 24 months until even the most strong-willed among them would give up in disgust (thus forfeiting their payout).

And if someone somehow managed to get to payout? The chances are good they’d have spent enough money along the way to let me honor it. Or I’d find some fine print in the unwritten membership requirements and weasel out of paying them.

At least, that’s how I would do it if I were unprincipled and unethical. Is that what this site plans?

I don’t know, but I’ll keep you posted.

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