Turn Clicks into Cash Flow

You earn commissions on real product sales — the $100 Limitless Access Startup Package (includes a 1-month SaaS license to the AI Marketing Engine, then renews at $100/mo thereafter) and our course bundles — across your referral tree. Eligible commissions are paid up to 4 levels deep (50% • 5% • 10% • 5%), with Level 4 requiring Limitless + at least a Premium AI Ad Budget plan. Commissions are tracked and credited automatically in your wallet.

Yes! Anytime someone in your referral tree buys a qualifying upsell (e.g., course bundles), you receive your share of the commission — even months later. It’s persistent, product-based income.

No. You can, but it isn’t required. If you choose an AI Ad Budget plan, the system automatically runs campaigns that promote your referral link. You can also share manually with DIY Assets if you want an extra boost.

Eligible commissions are paid up to 4 levels deep (50% • 5% • 10% • 5%, with Level 4 requiring Limitless + at least a Premium AI Ad Budget plan) from product transactions: (1) the $100 Limitless Access Startup Package (includes a 1-month SaaS license; then $100/mo renewal thereafter), and (2) course bundle sales across your referral levels.

Commissions are credited instantly and shown in real time on your dashboard, then become eligible after a standard 72-hour hold. This maturity window lets payments fully settle and reduces reversals (refunds/chargebacks), filters potential fraud or duplicate purchases, and aligns with network dispute timelines. Once your eligible balance reaches the $100 payout threshold, withdrawals are sent via Stripe Connect. Your dashboard separates Pending vs Eligible so you always know what’s next to be paid.

Limitless (Paid) users: processed weekly.
Limited (Free) users: processed monthly. Timing can vary by timezone/payment network; you’ll see statuses in your dashboard.

Level 4 (the final tier in the plan) is unlocked when you maintain Limitless and at least a Premium AI Ad Budget plan (≥ $99/mo).

It’s a one-time $100 purchase that includes a 1-month license to use the AI Marketing Engine (SaaS), unlocks your affiliate link and dashboard, and enables multi-level commission eligibility. After the first month, the SaaS license renews at $100/mo, or you can downgrade to Free (Level-1 only).

Startup Packages give you licensed access to the SaaS product and commission eligibility. AI Ad Budgets fuel your automated marketing — covering both real ad spend and the AI automation/infrastructure that runs and optimizes your campaigns. Together, they enable scalable, hands-off growth.

The AI Marketing Engine is CFATM’s flagship Software-as-a-Service (SaaS) product. When you purchase the Startup Package, you receive a 1-month license to use this AI-powered platform (no ownership is transferred). The service automates your advertising so you don’t have to learn ad platforms, write ad copy, or constantly tweak targeting.

How it works

• Automated Ad Campaigns: You set an ad budget, and the SaaS engine builds and manages campaigns that promote your referral link.
• Smart Targeting: AI handles targeting and retargeting, ensuring ads reach people most likely to convert.
• Performance Optimization: The system continuously learns from results, adjusting bids, placements, and creatives for efficiency.
• Dashboard Tracking: Views, retargets, conversions, commissions, and wallet activity are visible in real time inside your dashboard.

Why it matters

Because the AI Marketing Engine is a licensed SaaS product, anyone can activate automated campaigns without prior marketing experience. Commissions from product sales can refill your ad wallet, enabling a sustainable growth loop (results vary; no guarantees).

Key benefits

• Licensed access: $100 Limitless Access Startup Package includes a 1-month license (not ownership) to use the SaaS.
• No marketing skills required: The AI manages ad tech end-to-end.
• 24/7 automation: Campaigns can run around the clock.
• Scalable growth: As network activity and sales expand, eligible commissions can increase across multiple levels.
• Transparent: Live performance and earnings data inside your dashboard.

👉 In short: the AI Marketing Engine is a licensed SaaS product that automates your marketing and campaign management.

Yes. You can join free (Limited Access) and earn on Level 1. Upgrading to Limitless Access unlocks the AI Marketing Engine, dashboard tools, multi-level commissions, and access to optional upsell bundles.

The Limitless Access Startup Package includes Meta Ads Made Affordable training (valued at $299) to help you promote effectively, even if you’ve never run ads before.

The Limitless Access Startup Package is a one-time $100 purchase for a 1-month SaaS license. After one month, the license renews at $100/mo. AI Ad Budgets are optional monthly campaign budgets.

Yes. Upgrade anytime to unlock higher-tier benefits and included tools. Your commission eligibility and dashboard access update automatically.

Your monthly plan (e.g., $29–$99+) powers your automated campaigns. Funds are applied to both real ads placed on third-party platforms and the AI automation, servers, and optimization tools that run those campaigns. The AI writes ad copy, targets audiences, manages spend, and handles smart retargeting — hands-free.

Your wallet funds are fully applied to running your campaigns. This includes both the ad spend on third-party platforms and the AI automation/infrastructure costs (servers, optimization, and management) required to power and manage those campaigns. Earnings can also be routed back to refill your wallet automatically.

Unused funds roll over automatically to the next month. You never lose your budget. Your dashboard shows your available Ad Budget balance and how much was used.

Each plan has a maximum daily ad spend. The AI system may spend less if fewer impressions are needed, or delay until a better time. Your budget isn’t wasted — it’s deployed strategically over time.

Your AI Ad Budget balance automatically refills on the 1st of each month. Funds are always taken from your wallet balance first. If your wallet doesn’t have enough to cover the plan, and Auto-Recharge is enabled, your card will be charged to cover the difference so campaigns continue uninterrupted. If Auto-Recharge is off, only your wallet balance is used, and campaigns will pause if funds are insufficient.

The budget includes paid ads as well as AI and automation expenses such as content generation, campaign testing, smart targeting, server costs, and backend integrations with ad platforms. These elements are what make the campaigns effective — not just impressions.

No. It’s optional. You can promote manually, but the AI Ad Budget unlocks fully automated income potential by letting the AI handle everything for you.

The ads aren’t selling random offers. They promote CFATM itself — driving traffic to your referral page. When someone clicks an ad, they land on a page like this, learn about the system, and sign up. If they join through your link, you earn commissions.

Because the AI Marketing Engine promotes the same platform you’re part of, every ad is designed to build your network, grow your commissions across up to 4 levels (50% • 5% • 10% • 5%), and help your ad wallet refill from real product sales.

Think of it like this: your ad budget fuels a self-contained loop. Ads drive visitors → visitors become customers → product sales generate commissions → commissions can refill your ad wallet → the cycle continues.

Absolutely. With the Free Limited Access Package, you’ll get your own referral link and can start earning from direct Level-1 sales immediately — no cost to you. We also provide ready-made DIY marketing assets (graphics, copy, and templates) to help you promote your link effortlessly. Most users choose to upgrade to Limitless Access to unlock the full AI Marketing Engine, advanced dashboard tools, multi-level commissions, and optional ad automation.

Immediately. As soon as your account is activated and you choose a package, you can begin earning on product sales from your referrals.

Pricing and plan features may evolve over time. The current Limitless Access Startup Package includes your first month of SaaS license at no extra cost. Then renews at $100/mo thereafter, plus optional AI Ad Budget plans for automation. Any changes will be communicated transparently.

Absolutely. No experience required. Our dashboard, training, and automation make it simple to get started — even if you’ve never marketed online before.

Our DIY Marketing Assets are ready-to-use tools designed to help you promote your CFATM referral link at no cost. These include social media graphics, ad templates, email copy, and step-by-step guides you can personalize and share instantly. They’re built to save you time, look professional, and make it easy to start generating referrals — even if you’ve never marketed online before.

Not at all. Our DIY Marketing Assets are pre-designed and plug-and-play, so you don’t need any graphic design or marketing experience. Just download, copy, and share — the heavy lifting is already done for you. If you want, you can customize them with your own style, but it’s completely optional.

No — CFATM is not a pyramid scheme. Here’s why:

1. Real Products, Real Sales

The $100 Limitless Access Startup Package is a purchase of a 1-month license to our AI Marketing Engine (SaaS), then renews at $100/mo. Commissions on this and all other product sales (such as course bundles) are paid through the same multi-level plan: 50% • 5% • 10% • 5%. These are genuine products of value, not fees for recruitment.

2. Where Commissions Come From

Commissions are tied to product transactions: the SaaS license (Startup Package + renewals) and educational course bundles. The plan pays on up to four levels, with Level 4 unlocked by maintaining Limitless + at least a Premium AI Ad Budget plan.

3. Free Participation

You can join 100% free with Limited Access and earn direct referral commissions without paying. This avoids the mandatory-payment red flag associated with pyramid schemes.

4. FTC Guidance

The FTC flags pyramid schemes when earnings come primarily from recruiting rather than selling real products/services, or when there are required payments to participate without genuine product value. CFATM’s earnings are based on product sales (SaaS license + course bundles), not recruitment alone, and free participation is available.

5. Transparency & Compliance

We disclose our products, pricing, and commission sources clearly. Your earnings are driven by verifiable product sales and usage — not by enrolling people into a pay-to-play structure.

👉 In short: CFATM is a product-driven, transparent program — not a pyramid scheme.

Short answer: No — the $100 Limitless Access Startup Package is a purchase of a SaaS license (1-month access to the AI Marketing Engine, then renews at $100/mo thereafter), not a sale of an “investment.” Commissions on this purchase — just like course bundles — are paid through the multi-level structure (50% • 5% • 10% • 5%). You can also join 100% free with Limited Access and earn on referrals without paying.

How regulators analyze this (Howey Test)

U.S. securities law uses the Howey Test to decide if something is an “investment contract.” The test looks for: (1) an investment of money; (2) in a common enterprise; (3) with a reasonable expectation of profits; (4) to be derived primarily from the efforts of others.¹

• Product vs. investment: The $100 fee buys a SaaS license — a real product you use, not a promise of profit.
• Source of earnings: Commissions are based on actual product purchases (SaaS or course bundles), not recruiting.
• User control: Users choose budgets and optionally share; income is not guaranteed by others’ effort alone.
• Messaging matters: We avoid phrases like “guaranteed returns” — regulators watch for that.

Not a pyramid scheme (FTC guidance)

Per the FTC, pyramid schemes pay mainly for recruiting, not for selling real products or services, and often require membership fees.² CFATM avoids both: commissions are from product sales, and free participation is available.

Program specifics

• $100 Limitless Access Startup Package: 1-month SaaS license; then $100/mo renewal; commissions paid across eligible levels.
• Course bundles: Additional product-based earnings through the same structure.
• Multi-level payouts: Up to 4 levels (50% • 5% • 10% • 5%) — Level 4 unlocked by maintaining Limitless + at least a Premium AI Ad Budget plan.
• Free path: Join and earn without paying (Level 1).
• Transparent: We clearly state what you buy and what earns commissions — no hidden fees.

Disclaimer: This is not legal advice. Classification depends on marketing and jurisdiction — consult a qualified attorney for a formal opinion.

References

1. SEC: Howey Investment Contract Framework
2. FTC: Business Guidance on Multi-Level Marketing