MULTI-LEVEL MARKETING: This business is NOT advertising a multi-level marketing or network marketing firm, as it does not fit the Koscot test under FTC law. Any individual, without any payment by participants, can become a part of the referral program by creating an account online here. Case reference: Koscot Interplanetary, Inc., 86 F.T.C. 1106, 1181 (1975).