Advertiser: typically the UBO that profits from all of the individual signers on merchant accounts. The advertiser controls how the “free trial” is advertised and orchestrates the entire process. Advertisers of “free trials” are often referred to as “free trial advertiser.”
Affiliate Marketer: an individual that is contracted to advertise the free trial offer the advertiser has. Affiliate marketers have been sued countless times by the Federal Trade Commission.
Offer: this is the “free trial” product that the advertiser is utilizing affiliate marketers to advertise to consumers. Behind the “free trial” offers these days are often dozens of unique MIDs that are used to keep chargebacks below the 100 hard count number to avoid fraud detection radars at Visa/Mastercard.
Cloaking (notably Facebook and Google cloaking): due to the heavy restrictions on Facebook and Google that disallows most free trial offers in the health and beuaty industry, affiliate marketers utilize cloaking to falsely misreprent the offer being promoted, therefore making it through compliance checks at Facebook and Google.
