Program Overview
Fluz is dedicated to creating the most powerful buying group in the world, delivering on a promise to provide maximum rewards to our members. Our unique network structure and compensation plan reflects this dedication, as it gives every Fluz Member an equal and powerful opportunity for success.
Your Cash Back App Is Now Your Business.
Could owning a business and creating an income stream really be this simple? With Fluz, you are standing at the ground floor of a one-of-a-kind disruptive business. We’re disrupting the $80 global billion cash back market and the $190 billion global direct selling industry by reinventing how you shop, earn cash back rewards and build a network to earn even more. Fluz allows distributors to earn money with their network in real time.
At Fluz, we’ve created a community that places purchasing power in your hands and rewards the community for loyalty for their everyday purchases. We negotiate a discount at thousands of national and local merchants, we reward our members when they use our app to pay with the Fluz app and then share that reward with the community through the member’s referral network.
Why just earn on your own pending when you can put the power of the community in your wallet and earn cashback on your purchases, the purchases of your network and the friends, family and others you invite. Through the power of the networkFluz Members are able to earn many times more than any other cash back program.
Definitions
Qualified Account - A Fluz Member who has qualified their Fluz account with the following activity and is now eligible to earn cash back: Linked bank account (required to receive payments from Fluz), Valid address in your account, Added a payment method (required to make payments with the Fluz app)
Fluz App - The Fluz mobile Application, website or web browser plugin.
Fluz Member - Someone who has created an account in the Fluz App.
Fluz Network Member - A Fluz Member who has made the decision to build a network and has met the requirements to earn cash back rewards from their network.
Fluz Global Network - The collective worldwide network of Fluz Members.
Network - A generic term for the Members and Network Members within your first 15 genealogy levels.
Inviter - The Fluz member who has invited another Member to join Fluz in their network.
Invitee - An individual who has received and utilizes an invite link (invite) from a Fluz Member to become part of Fluz in their network.
Purchaser - A Fluz Member or Network Member who has made a purchase with a Fluz merchant partner in the Fluz App. A purchase is what creates cash back rewards.
Cash Back - The amount the buyer will receive as cash back on their purchases made with the Fluz App. This amount is indicated as a percentage in the Fluz App with each merchant. The cash back amount will be paid on the pre-tax purchase price.
Buyer Rewards - The rewards paid by Fluz to Fluz Member making the payment with the Fluz app in the form of cash back.
Network Rewards - The rewards paid by Fluz to Fluz Members on every purchase a network member makes.
Inviter Rewards - The portion of the network rewards that is paid as a bonus to the person who invited the Member who made the purchase.
No Membership Fees
A Fluz Membership is absolutely free. With your membership, you have unlimited access to the Fluz App, the ability to earn cash back rewards from your purchases and the opportunity to build your own network to increase your earnings with rewards from all of the purchases of members in your network, whether you invited them or not.
Free Membership
At Fluz, we have a different philosophy than most income or business opportunities you’ve been exposed to. We believe in the value of our business model and don’t look to unnecessary fees and burdensome requirements to generate revenue. Our strict no fees philosophy means there are no fees to join and there are no fees to participate in our income opportunity. Simply use the App, invite others and earn cash back on your network.
Membership Statuses
Fluz Member
A Fluz Member is anyone who has downloaded and registered an account on the Fluz App. Fluz Members have access to the Fluz App to pay and receive cash back rewards on their personal purchases. Fluz Members also have the ability to become a Fluz Network Member by inviting others and earning cash back on the purchases of those they invite and others in their network. A Fluz Member will become eligible to earn cash back on their purchases after their account has become Qualified. A Qualified Account currently requires the following:
- Added a payment method to put money into the system and withdraw from the system (could possibly be the same)
- Valid address in your account
After a Fluz Member has invited at least 2 Members who have Qualified Accounts, you will be qualified to earn from all of your invited members. You will then become an Independent Fluz Network Member.
Independent Fluz Network Member
An Independent Fluz Network Member is a Fluz Member who has made the decision to build a network and met the requirements to earn cash back rewards from their network. The level of network earnings a Fluz Network Member achieves is variable and is determined by the Member’s and the Network’s activity.
Keeping Your Membership Active
For your Fluz Network Membership to remain active and to maintain your network, all we ask is that you participate in the community with a purchase from a Fluz Merchant through the Fluz App at least one time per year. Your membership will automatically renew every year as long as you have made one (1) purchase each year in the 12 months following the anniversary date of your account activation. Your account activation date is the date you activated your account in the Fluz App. Members must maintain Network Membership status to receive all network benefits, including the ability to earn cash back rewards from all members in your network.
If you do not renew your Network Membership, you will lose your Network Member status, however you will remain a Fluz Member. Losing your Network Member status means that you will lose many of your network benefits, including your network. You will maintain all of the benefits of a Fluz Member, including being able to utilize the App, receive cash back from your personal purchases as well as earn cash back rewards from Members you have invited to Fluz, however you will not receive cash back from the other members in your network who you did not personally invite and these members will no longer be part of your network. That includes Members in your network that were invited by others in your network and any Members who are part of your network through autofill.
Network members who were deactivated will be moved to the bottom of their network. If their network is full, they will move down 15 levels. All network members under them will be moved up. Members will move up based on the account age.
Membership Reactivation
If you lose your Network Member status, all that is required regain Network Member status is to make a purchase within the Fluz App. Once a purchase is made, your Network Membership will be renewed and you can begin building a new network to start earning cashback from the purchases of everyone in your new network. Remember, if you allow your Network Membership status to be lost because of non-renewal, you will lose any Network Members you have. To ensure you maintain your network, participate in the community with purchases in the Fluz App.
Network
The Fluz Network structure is 2 x 15 Forced Matrix. We chose this structure because of its simplicity, ease of build out, minimal qualification requirements and fairness in how rewards are shared in the network. We chose a deeper network structure because the nature of the Fluz cashback product is that it requires less product training. It is easier to sell a customer a product they are already using. Because the Fluz opportunity requires less selling, we are rewarding for a lighter touch network.
Everyone who activates an account on the Fluz App is inserted into the Fluz Global Network. New members who are invited by existing members are inserted into the inviting member’s network. Fluz Network Members are able to qualify to be rewarded for all purchases by members within 15 levels.
The Fluz compensation model, encourages and rewards members for inviting others into their network. The first two new Members are placed immediately below you in your network, one on your left and one on your right. In the example above, you are Position 1 and your first two new Members are Position 2 and Position 3, making up your first level. Additional new Members, whether they are invited by you or someone else in your network, are then inserted in the same manner from left to right into the next open spot in your network. After each Member on a level has two people below them, the level is complete and another level is added. This process continues until all positions are filled on Level 15. Whether a person is placed in your network, close or further away, has no bearing on if or how much you can earn from their purchases. If they are in your network, you can qualify to earn cash back rewards on their purchases. However, you can earn an additional bonus through those you personally invite to your network. Each network has a maximum number of 65,534 members. This maximum size is purely a function of how a 2 x 15 level Matrix is built (see chart below).
|
Members Per Level |
Total Members in Your Network |
|
|
You |
1 |
1 |
|
Level 1 |
2 |
3 |
|
Level 2 |
4 |
7 |
|
Level 3 |
8 |
15 |
|
Level 4 |
16 |
31 |
|
Level 5 |
32 |
63 |
|
Level 6 |
64 |
127 |
|
Level 7 |
128 |
255 |
|
Level 8 |
256 |
511 |
|
Level 9 |
512 |
1,023 |
|
Level 10 |
1,024 |
2,047 |
|
Level 11 |
2,048 |
4,095 |
|
Level 12 |
4,096 |
8,191 |
|
Level 13 |
8,192 |
16,383 |
|
Level 14 |
16,384 |
32,767 |
|
Level 15 |
32,768 |
65,535 |
The number of levels below 15 will continue to grow through the invites of your network, and each level has the ability to earn on the 15 levels below them. There is also an auto-fill mechanism. As new members who join the Fluz community without having been invited are automatically inserted into the next open spot in the Global Network. As a Member of the global Network, you have the ability to qualify to be the recipient of an autofill. The auto-fill system uses the same logic as above to find the next open spot when inserting a new member into the network.
Building Multiple Networks
Members are able to have more than one network associated with their account, thus giving them infinite earning potential. In the event that a member will fill up their first network (65,534 other members) they will then get a new network to earn from even more people. Once they fill that second network up, they will get another network, yet again.
Each network will operate the exact same. They have the same auto filling, earning and purchasing specifications. In the event that one network of a member is full, their invites will automatically be routed to the other network.
Once a member has 18,000 people in their network, they will get a new network. Their new invites will go to that new network. The original network will then grow from its existing members inviting.
If a member who grew their network to 18,000 was invited by someone, the inviter will also get a new network. The new network will have the same inviter-invitee relationship. This will allow the inviter to earn from the continued network growth of the one they invited. The second network of the invited member will have the same inviter relationship as the first one. This helps those who are inviting very active users to continue to earn from the overall success of those they invite, well beyond the first 65,535 members.
Earning Through Fluz
Merchant partners pay Fluz a pre-negotiated percentage on the total payments made through the Fluz App. The majority of this cash back is allocated to the cash back compensation plan and a smaller portion is retained by the company to fund the Fluz business. The percentage varies by merchant partner. The percentage displayed in the App with each merchantiswhat the buyer will earn when they pay with the Fluz app. Each time a member pays with the Fluz app, it also creates network rewards giving you additional ways to earn. With Fluz, you have the unique ability to earn in the following ways:
Earn When You Pay With Fluz
Whenever a Fluz Member pays with the Fluz App, they receive the percentage of that payment indicated in the App as cash back on their purchase.
Earn When Network Pays With Fluz
In addition to the cash back the buyer receives, each time a Fluz Member pays with the Fluz App, the payment also creates Fluz Network Rewards. Network Rewards are distributed through the Fluz Member Network in the following ways:
Network Rewards
The Member directly linked to the purchaser on each level up 15 levels will be rewarded for the purchase with a total of 67% of the net negotiated discount allocated to the Network. The Network Cash Back paid on each level will be equally divided by all 15 participants rewarding each participant with 4.44%of the Network Cash Back on that purchase.
Inviter Rewards
The Inviter Reward is equal to 33% of the net negotiated discount allocated for the network. The Inviter Reward is an additional bonus that rewards the Member who invited the person making the payment. This reward is in addition to the Network Reward that a Network Member earns as part of the network. Adding the Inviter Reward to the Network Reward, the Inviter’s total Reward is 37% or 6 times the network reward.
Example Transactions
 |
|
Network Rewards Example A
A Member in your network on level 15 (green dot) makes a purchase that generates $6.50 in Cash Back for the buyer and $7.50 in Network Rewards. Position 15 was invited by the Member in your network in Position 6
The cash back rewards payout will be as follows:
Buyer Earnings = $6.50 Network Earnings = $7.50 Individual Member Network Earnings = $0.50 Inviter Bonus- $2.50 to Member 6
Your Cash Back Reward - $0.50 |
 |
|
Network Rewards Example B
A Member in your network on level 15 (green dot) makes a purchase that generates $6.50 in Cash Back for the buyer and $7.50 in Network Rewards. Position 15 was invited by You in Position 0.
The cash back rewards payout will be as follows:
Buyer Earnings = $6.50 Network Earnings = $7.50 Individual Member Network Earnings = $0.50 Inviter Bonus- $2.50 to Member 0
Your Cash Back Reward - $3.00 |
Additional Ways To Earn
Boosted Offers
In addition to the buyer cash back rewards and network rewards, Fluz will from time to time run promotions which pays an additional fixed dollar amount or additional cash back on purchases as an Inviter Bonus for new invited members. These bonuses will be promotional in nature and not always available.
Sign Up Vouchers
When you are invited by another network member you will get a voucher. Vouchers get you access to better cash back rates on select merchants when you pay with Fluz. You have the option to apply the voucher to your payment with those specific merchant. If you sign up directly without being invited, you will not get any sign up vouchers.
Inviter Vouchers
When you successfully invite a new member to the Fluz network and they make their first purchase, you will receive a voucher as well. Prior to them making their first purchase, you will see a pending voucher on your account.
Invitee Bonus
In order to share the earnings between inviters and invitees, the inviter will also be generating some passive income for the invitee. When you are invited by another Fluz member, you will earn when the inviting member makes their next 7 purchases. You will earn a fixed amount on those 7 purchases. That fixed amount will change based on the seasonal campaign that is being run at the specific time.
Merchant Recruitment Bonus
Effective Q1 of 2021, there will be a self service onboarding platform for members to bring on new merchants to the Fluz platform.
Members who sign new merchants will earn a percentage of the overall volume generated with that merchant. This will be a percentage of the net negotiated discount with each merchant. It will be a quarterly payment made to the member that recruited that merchant. Recruitment of merchants must flow through the self service tools provided by the company to members for the merchant onboarding. Members will receive the recruitment bonus as long as the merchant is live with Fluz.
Unlocking Network Rewards
Effective Q3 of 2020, members will unlock reward earned from their network activity every month. Each monthly purchase will unlock a percentage of the overall network cash back. The breakout of how many network transactions each monthly purchase unlocks will be determined 60 days prior to the unlocking requirement.
Fluz Network Members must unlock the earnings from their network purchases. This only affects the earnings members get from their network. Members are able to earn on their own purchases and their inviter bonuses regardless of unlocking their network earnings. The rewards for these activities are focused on providing a Member the opportunity to earn more from a larger segment of their network’s purchases.
As members in your network begin to transact, you will see your locked earnings amount growing throughout the month. Each purchase unlocks some of those earnings. Each purchase unlocks a your share of earnings from a defined amount of network transactions. The unlocked earnings requirements reset on the 1st of each calendar month. As soon as a member makes a transaction, the network earnings from those transactions will be unlocked. The earnings will display in the Fluz App as locked earnings, until qualification requirement is reached.
As the member meets each requirement, they will see that amount unlocked in their rewards balance. The members will see the amount of money their next purchase unlocks. That amount is based on the transactions in their network that happened during that month. Earnings that are not unlocked during the month cannot be unlocked in later months.
To qualify, members must complete any of the three requirements. It is either monthly transactions of any amount, monthly dollar spend or lifetime invites. Members that will be qualifying with lifetime invites still have to make 3 transactions per month to receive their network payments. An invite is only counted for those members that sign up and make a purchase. If a member has multiple networks, they have to unlock the network earnings from all networks with the same requirements.
Leadership Pools
Part of every purchase with Fluz contributes to the overall leadership pool. The leadership pool is then shared with the top contributors that are helping to grow the Fluz network.
The Leadership Pool is calculated each month based off the previous month’s overall purchasing activity. At the end of every month, the money in the leadership pool is split with all qualifying members.
There are 4 different bonus types from the leadership pool. Each bonus gets a certain percentage of the tool money in the pool. At the beginning of each month, the app will show the amount of money allocated for part of leadership pool.
- Quick Start Bonus: One-time bonus for users once they create a profile
- Great Leaders Bonus: One-time bonus on anyone in your network starting to succeed in quick start challenge
- Leadership Clubs: Monthly recurring milestones based on direct invites, members on their team and overall network activity
- Founder Club: Discretionary bonus to be paid to top performers that are helping with the overall business development on an annual basis
Leadership Teams
Effective Q2 of 2020, leadership teams will be introduced to the application. All bonuses associated with members building their leadership teams will be launched simultaneously. At that point all retroactively qualified members in your network will be added to your team.
Members qualify to join a leadership team once they earn $10 from the earnings of their network and invite at least 10 people that each make 2 payments with Fluz. Until then the member gets to that point, they will not be able to interact with the leadership team functions in the application.
Leadership teams were designed as a way for members to build leadership internally within their sales organization. Members should be training other members within their sales organization.
Anyone in your network can be added to your team. Members only join a team once they complete the first 5 steps of the quick start challenge. They will be prompted to join a team. When on this team, they will see who’s team they are on and who they invited that is on their team.
There is a dedicated team section in the application, for members to view who is on their leadership team and who team they are on. The app will prompt members to share their contact information with other members on their team and communicate internally with those members. Members will be able to communicate with their team mates, both those who referred them and those who they referred. Members who are autofilled into the network, will be added to the team of the qualifying members who’s network they are a part of.
Select quick start goals and leadership bonuses can be achieved based on personal performance or team performance. Leadership team connections do not pay any more on individual purchases. They only contribute to select quick start and leadership bonuses.
Quick Start Bonus
The quick start bonus is a one time earning opportunity for each member. We are looking to incentivize the members that make a solid commitment to build their network. We are offing a cash bonus on top of what they will be earning from the network rewards during the early steps of when a member is building their network. This bonus is based on direct recruitment of new members that pay with the Fluz app.
Based on historical performance of new members who hit hitting each level, we will re-evaluate the qualifications required to obtain to get the quick start bonuses.
At the 5th level, members are introduced to the teams. They are invited to join a team. They can then begin qualifying for the later quick start challenges based off team performance coupled with their personal performance. If they qualify based on team performance, they will still need to hit personal goals in order to achieve that level and receive the payment.
|
Level |
Name |
Personal Qualifications |
Team Qualification |
Gross $ Payout Per Level |
|
1 |
Ready to roll |
a. Take missed earnings test b. One invite from contacts c. Set network size goal d. Turn on notifications and location e. Pick favorites |
N/A |
$5 |
|
2 |
High 5 Challenge |
5 invites that buy 1x |
N/A |
$10 |
|
3 |
Big 10 Challenge |
10 invites that buy 1x |
N/A |
$20 |
|
4 |
2-By-10 Challenge |
10 that purchase 2x |
N/A |
$30 |
|
5 |
10X Upgrade |
$10 in network earnings and opt in to join a team* |
Join team |
$100 |
|
6 |
Real Money Challenge |
50 direct invites that buy 1x |
N/A |
$500 |
|
7 |
Fluz-2-K |
100 direct or indirect invites that buy 1x |
150 team invites |
$1,335 |
* For level 5, members cannot qualify for this level until they complete level 4.
Member Pitch: As you start building your network, Fluz will will help you start making part time income. Even before your network is substantially built out, you can earn some money through the quick start challenge. Once you complete each level of the quick start bonus, you can begin earning an additional bonus from the people in your network who complete the quick start challenge as well. As you complete the quick start challenge, you are also added to a team. This will allow you to earn milestones based on the performance of your entire team.
Great Leaders Bonus
Fluz is looking to reward members that are creating leadership within their organization. As you build strong leaders in your network you will earn another bonus of up to $180 per leader.
This is a one-time payment for each member in your network. We are paying members to build up other members in their network. As people in your network begin to complete the quick start bonus, you will earn a bonus based on their success. You will be paid for each level they accomplish. You can only earn the great leader bonus if you accomplished that same challenge in the quick start challenge. If not, the person that invited you will get that great leader bonus for that specific level. If they did not complete that challenge in the quick start bonus, it will go to the person who invited them, all the way up until there is someone who completed the bonus. You will be paid on everyone in your network who accomplishes the quick start bonus as a match. You can earn this from infinite amount of users in your network.
|
Level |
Name |
Personal Qualifications |
Gross Payout $$ |
|
1 |
Ready to roll |
Make their first purchase |
Free Voucher ($3.50 value) |
|
2 |
High 5 Challenge |
5 invites that buy 1x |
$10 |
|
3 |
Big 10 Challenge |
10 invites that buy 1x |
$20 |
|
4 |
2-By-10 Challenge |
10 that purchase 2x |
$30 |
|
5 |
10X Upgrade |
$10 in network earnings and opt in to join a team* |
$100 |
Member Pitch: Once you begin building out your network, Fluz will reward you on the success of anyone in your network. Fluz rewards you for building leadership in your network as well.
Leadership Clubs
Effective Q3 of 2020, leadership clubs will be introduced to the application. The breakout of the exact requirements to qualify for each of the leadership clubs will be announced 1 month prior to the launch.
After members complete the quick start challenge, they can begin to qualify for the leadership clubs.
The Leadership Clubs are a monthly bonus designed to reward top performers in the company with an additional bonus on all purchases. Members qualify by having active members in their network and active members on their team. We are looking to reward committed Members for inviting new members, and for building leadership in their network. This bonus rewards members for new direct invites and indirect invites activity.
This bonus is a monthly bonus paid monthly, 15 days after the end of each past month. The bonus amount is based on the activity during the said month.
Qualifications for each of the different leadership clubs will be based on the 5 factors. Please note each club will have a different mix of these 5 qualifications based on the targeted goals of that respective club:
- Direct invites they made in the month
- Total purchases made by their network – This can include direct and indirect invites
- Great leader matches
- Members on their team
- New members joining their team that month
Members can only qualify for one club in a given month. Members are required to be in each leadership club for at least one month before moving on to the next club, even if they qualify for the next club. Members are required to meet all listed requirements to qualify for the monthly bonuses. The qualifications for each of the 5 leadership clubs will be defined prior to the start of the month. The total bonus money that will go into each of the 5 leadership clubs will also be defined prior to the start of the month. The bonus money for each of the 5 leadership clubs will be split evenly with all members that qualify for that respective club.