The International Marketing Group or simply IMG is a scam. Have you been scammed also by this company? Or you are also a member but now in doubt if becoming an IMG member is the right choice? Or is it another wasted money?
Do you believe me? You better continue reading to know the facts.
The money that we have is definitely a product of our sweat. It is the outcome of our sacrifices. Some exchanged their time for their family and decided to work abroad for a higher salary rate.
Being furious when scammed is our right and is a natural response. Being scammed is not okay. It has a negative effect on our psychological aspect.
But before we proceed and whether the International Marketing Group (IMG) is really a scam or not, let us first have a clear definition by the word “scam”. We can only tell that a certain company including any investment is a scam if it is within the scope of definition and criteria. That’s why it is better to have clarity of the word “scam” before we can identify one.
What Is A Scam
According to Merriam-Webster, a scam is
: a fraudulent or deceptive act or operation
: to deceive and defraud (someone)
: to obtain (something, such as money) by a scam
So, a scam is an act of deceiving someone in order to earn something in return like money. It is intentional.
Think about this.
I offer you a certain type of investment and promised that it has a guaranteed return and can grow exponentially in just a few months without doing anything. And after you gave me your money you can no longer contact me, did I scam you?
Yes, because I mislead you by offering something too good. That your money will grow in a short period of time.
That’s why it is important that we know what are the common signs that if it is legal or not.
The Common Red Flags
• Guaranteed returns with almost no risk. They give assurance that you will earn a lot of money. The truth is, any investment has risks. The higher the potential return, the higher the risk involved.
• Get-rick-quick scheme. All you have to do is to invest your money and wait for a certain time. Your money will double or triple within a month. If it is legal, then probably the majority of Filipinos are now rich.
• Focus only on recruiting members. Businesses involve recruitment. The company you are working with recruited you to work for them. But if its mainly focusing on recruitment then there’s something wrong.
• You can’t find the investment company online. Legal companies can be found online and have their own websites. But, it doesn’t mean that it is already legal if you can find the site online. Tricksters already updated their scheme.
• Focus more on testimonials from other members or investors. They are more focused on what the other members or investors have earned. Showing their money or stuffs that they will able to buy because they joined.
• Reliance on “secrets”, “special connections”, “more meetings” and “inside information.”. You think that they are not totally open to you that they are hiding something. Legal companies or investments are open.
• Rushing you to invest now. They are putting pressure on you that it is a limited offer only. You better invest now or you will miss the opportunity forever.
If you are in doubt, you better ask questions. Below are the questions to ask according to Philstar.
Ask Detailed Questions
- What is the name of the company or business and its location?
- Are you registered through the SEC or DTI?
- Is the company selling products or services?
- What is the number of investors, minimum placements, and rate of return?
- How does the company using the money to generate income for its investors?
Is IMG A Scam?
Now, let us focus on the International Marketing Group (IMG) if the company is legal or not based on the common red flags mentioned.
First, the IMG has a mission of spreading financial literacy among Filipinos. In fact, the company aims to educate 30 million families by the year 2030. The company educates that there is no such thing as a get-quick-rich scheme and it is highly discouraged not to participate in this type of investment. What IMG teaches is that building wealth takes time and in any investment, there are risks involved. You can minimize risk through diversification.
IMG members were taught to invest in themselves first – increase their financial intelligence. And before joining any investment, it is a must to do research about it and to understand how it works. Never invest if you do not understand it no matter how high is the potential income.
Yes, IMG members recruit other people to join and if they were able to convince someone, they EARNED NOTHING from it. Not even a peso. Why do they recruit? For the other Filipinos to be able to enjoy also the benefits of IMG members such as discounts on real estate and on insurance, zero-entry fees when investing in mutual funds, free medical check-up and eyeglass frames, and many more. And probably one of the reasons why many joined is its unlimited financial education through free training and seminars.
IMG members can also earn additional income when they chose to do the business side. Again it is optional. No quota and the best thing is its vesting rights. I want also to emphasize that you are NOT REQUIRED to recruit people nor to sell any financial products.
If IMG is a scam, then why there are many big companies and celebrities that are associated with IMG. Some of the renowned personalities involve are Rex Mendoza the CEO of Rampver Financials, Korina Sanchez as the IMG Ambassadress, Sharon Cuneta as the Kaiser Healthcare Ambassadress, and Boy Abunda as the Manila Bankers Life Ambassador. Even companies like SMDC and Ayala Lands are in partnership also with IMG.
Lastly, if IMG is a scam then why the Securities And Exchange Commission (SEC) does not include the IMG in the list of “scam” companies. In fact, the company is duly registered to SEC and in Insurance Commission.
But why there are still some people who are saying directly on indirectly that IMG is a scam?
They do not understand how IMG works. If you want to understand or to know more about the company, you can ask the members or even visit their offices or branches.
Maybe they had a bad experience that involves an IMG member. It can’t be denied that there are few people who will not do good things for other people. Someone that followed the wrong way. But, it doesn’t happen only in IMG. Other companies are also experiencing this. And if a single person does the wrong thing, it is not fair to conclude that the others are the same. It is unfair for the person who is giving his or her best.
Lastly, they immediately believed in what other people are saying without verifying if it is true or not. You need to do your own research. Just because someone told you “this” and “that” it is already true. It is purely hearsay. Verify it through the likes of SEC or other means.
Why do I know about many things about IMG? Because I am a proud member. It is through this company that I became more aware of how I should take control of the financial aspect of my life. The company leads me to new opportunities and to meet good people. It gives me more confidence that I can achieve my financial goals.
Now, is IMG a scam? Definitely NOT.
Hello, did u ever used your kaiser health insurance in hospital bills?
Hi. I was not able to use Kaiser Long-term Healthcare since I was never admitted to the hospital (fortunately). The company that I am currently working with will also provide medical assistance.
Yes! I did use Kaiser healthcare many times and my family did too. I am so happy to have one, and we are so lucky to be educated by IMG on this aspect because health is wealth in its real sense. Kaiser is a total solutions company. they have short-term HMO plans that you can use anytime, senior care that is for 61yo and up, and long-term healthcare that will take care of you when you get older and cannot work anymore, and that is when you need the Kaiser the most. If it is for long-term need, it must be on a long-term facility. I have the short term that I’ve been using for many times already, and I am also investing in the long term which will take care of my healthcare needs when I get older and cannot work anymore. I am so grateful that I have my Kaiser plans. what about you? what is your plan for yourself and your family? If you really love them, take care of yourself for them.
You are a member thats why i will think you are only giving bias opinions about the company. I taught you are an outsider that analyze this organization so that others will have a better idea how it works but you are only advertising it based on your article.Dont make excuses.Its how it looks to me.
This is a perilous scam. Please avoid.
Just like this article, it’s a scam. It only promotes the company in your favor because you are a member. what a shame.
Hinde scam yan
i am a new member herein IMG and i’ll say IMG is not a scam. IMG members are blessed and thankful that is why we choose to share it to people who are interested. Because still a lot of people choose those company who shows a lot of money to recruit. IMG offers education before availing a membership, but most people are lazy to accept education so they make excuses like concluding IMG is a scam. But the fact is they are just got lazy to get educated.
HI GOOD MORNING OR GOOD DAY TO ALL , I REMEMBER LAST 2012 I HEARD ABOUT IMG THE BUISENESS MODEL I OBSERVE TO EDUCATE PEOPLE RELATED ON FENANCE ON HOW YOU WILL MANAGE . IF ANYONE HAS ABILITY TO MANAGE YOUR Money LIKE WHAT IS ASSET AND LIABILITIES SO NO NEED TO JOINED. ON THAT TIME I HAVE MONEY 200K plus AND I WANT TO ENVEST BUT I DECIDED TO NOT TO JOINED. I MAKE MY DECISION TO PURCASE PROPERTY AND NOW MY PROPERTY TIMES 600 PERCENT. ANYONE CAN JOINED IF YOU HAVE SMALL AMOUNT AS YOU CAN YOU CAN GET 12PERCENT PER YEAR BUT THATS GOOD TO BE TRUE UPTO 20 YEARS THE CONCEPT IS TO USED THE MONEY INTO INVESTMENT.THAT THE MEMBER CAN BENIFIT.takenote IMG SEC registration is un ensurance broker not Mutual Fund they have Solvido . Anyhow gain knowledge in fenance liability and assit you can not say that is a passive income that will generate you income in daily needs that is preparation only for retirement to cash back if your not utilized in 20 years.
Not a scam but your title misleads. Your title is a scam, you want to get attention. You’re just like fake gurus who predict every year that stock market will crash. But they failed everytime.
IMG as a company is not a scam, but I will avoid this company at all cost. You better just consistently invest your money in index fund or etf that tracks DOW, NASDAQ, or S&P500.
Remember, IMG is a business corporation, just like an insurance or MLM companies, they need to earn money by milking their members. Avoid these companies, and just invest consistently on your own.
100 % right better invest directly …It’s MLM it’s only a front “kuno” educating people but they want commission on you.
I am a new member of IMG here in Barcelona. I entered in this company through a person who recruited me but there were no enough explanations for me on how and where did my membership fee go?
Could this be a scam?
Hi ma’am Eva iyong membership po na binayad mo napunta po sa mga benefits kaya ka nagkaroon ng access sa mga financial services na meron sa IMG dahil pumayag ang mga ibang financial services company na makipagpartner sa kanya.. nasa iyo iyan kung imaximize mo ang membership mo. Do it yourself ang pag iipon sa IMG meron naman po nga trainings para mas madagdagan ang knowledge natin. Para lang tayong nagenroll sa IMG para mag aral paano makapag build ng wealth para sa ating family.
Same with me. I attended their seminar in Makati. I raised a question about investment and I was told my question is advance so in order for that question to be answered I need to register first so that I can attend higher trainings. And all trainings will be FREE after I registered. Registration is 5500 pesos which is one time pay daw. After paying the amount I was reminded that I need to pay the renewal fee. Whaaat?
And there were even invitations sent in my email that they have seminars for another charge for those running for higher positions. They have a lot of misleading information. They say investment is only 1000 pesos per month but when I joined they said my monthly investment which I need to pay is 4800 per month base on my age. If I cannot pay it I can invite people so that I earn. I thought this is just investment…they even say this is not networking but I found out members who are running for higher positions needs to invite and they will earn money…thru pairing haha
I was registered by a friend thru online because were both in diff countries. I received email confirmation of my sign-up (with my username & password) and that my status was pending because i need to complete my payment. I sent my friend payment thru online bnk trnsctions and said she will do everything for me regardinng my registration and that was last sept2021. I’ved been trying to log-in using the username & password sent to my email but it is invalid.
If the company is not a scammer then mybe the one who registed for me who is a member of img is the scammer?
i hope not because she is my friend also.
i dont know if its a scam pero sa nabasa ko sabi sa article na ag member ng IMG hindi makatanggap or no income if maka recruit bu tfrom my personal experience once makapag recruit ang isang member she or he could money from the new member and then if the new member can recruit another member the person who recruited him or her can also earn amount.
Hi. The IMG members will have a commission when they were able to sell financial products and not through recruitment. If they were able to “recruit” someone, they will not receive any portion of the membership fee or any amount from the company. They can also receive a commission when one of their team members were able to sell financial products.
IMG is learning about financial literacy and I’m so proud to be one them. also I learned how to build solid financial foundation and to save and invest in the right investment vehicles. Attend a free training online to know about it.
Reply
So what’s the truth?
Is IMG scam or not?
100% it is not SCAM….
IMG is 100% legit and is not a scam. I’ve known IMG for more than 20 years now and counting. Big companies like Ayala Land, SMDC, Kaiser International, RAMPVER Financials, and other big legit financial companies partnered with IMG because of its integrity and passion for their mission (30Mby2030) of educating Filipino families worldwide on financial education. I’m pretty sure those prominent and respected companies have their lawyers and legal department. Do you think these lawyers will allow themselves and their companies to be fooled by a scammer? You owe it to yourself to know the truth and the correct info to make the right plan for your hard-earned money. Take charge! After all, it is you who worked hard for it, and it is your future that needs planning. Don’t waste that chance to learn and grow. Robert Kiyosaki quoted in his book that no matter how big or small your income is, If you lack financial education, your money will soon be gone. If you can only know IMG and its mission better and more profoundly, you will be on the right track to financial freedom.
Hello. I’m a member of IMG for one year and a half as investor. I tried to redeem my 50,000 shares but when they released it my money
value is only 31k php. I lost 10,000php then trying to transfer it thru bank to bank. Almost one week not yet verified. What do you think? Is it a scam? I’m in doubt.
Can you pls share sample policy contract of IMG. Life insurance has policy contract right?
Notice that those saying it is a scam does not have a thorough discussion on why they say it is a scam, they don’t even know how it operates, and many of them are based on heresay. None of them was a part or have joined img and was conned.
IMG is learning about financial literacy and I’m so proud to be one them. also I learned how to build solid financial foundation and to save and invest in the right investment vehicles.
100% it is not SCAM….
Wala naman kayong alam kundi manira ng company nakita nyo lang yong article na scam o lived,SCAM na agad ang sasabihin nyo.mag reklamo kayo sa norte at patunayan nyo sa buong Mundo na SCAM ba talaga si IMG. Tapos Bahala na kayo kung kaya nyo depensahan ang akosasyon nyo.OK!!!
Kung di nyo mapatunayan wag kayo naninira ng company na legal,
A STORY FROM MR. NOEL ARANDILLA
A friend who told me “Pag yumaman ka sa IMG wag mo kong kalimutan”. I was very new in IMG before and the truth is I run out of words and don’t know what to say.
So I simply smiled at her for a reply. . .
After attending seminars and having enough knowledge I want to confidently say. . .
“The essence of is not just about PAGPAPAYAMAN”!
Of course, Mag IMG ako kasi gusto kong yumaman… But IMG IS ALL ABOUT:
🔘 Having greater knowledge in managing our finances and being a Financial Expert of your own.
🔘 Giving us the right information of building our own Solid Financial Foundation lifetime.
🔘 Providing us lifetime learnings to Secure Our Future
Yes, it does! All we need is here!
My dear friends, it’s not bad having good times, It’s a reward for yourself for doing hard work. But if you do it oftentimes, that temporary good time may lead you to permanent bad times situation. Don’t let that happen to you!
Life is not about having equal chances of opportunities, It’s all about how we will grab them.
Don’t plant tomatoes or active income/job that will give you temporary harvest instead plant mangoes or passive income/savings and investments that will give you permanent harvest.
#IMGCommunity #CASHcourse
Sa mga nagsasabing scam si IMG mag research muna kayo..ung mga nagmember dto sa IMG na nagtaka bakit daw ganito ganyan, un ang mga tao na nagmber lang dahil gusto ng benefits pero nd nagresearch.
Im just a newly IMG member at mahigit isang taon ko to pinag isipan bago magmember..so thankful that i now in a right path..thank you IMG..
Salamat IMG at dumating ka sa Pilipinas. Hindi scam ang company. The same po siya ng concept sa mga matatagal at established companies sa financial industry dito sa North America. Matagal lang po dumating sa Pilipinas. Malaking tulong sa mga Pilipino.
Whenever an investment opportunity requires you to RECRUIT other individuals — or to PAY tiered fees in order to progress to higher learning stages — before you can secure your profit, then these are red flags that you are being scammed. ALL multi-level marketing schemes (MLM) are scams — no exceptions.
Of course that’s your personal opinion. Maybe what you are referring is a pyramiding scheme, where there are no products involved MLM is not a scam but a marketing strategy for a certain company to promote and sell its product through the effort of other people. So instead of the company paying a prized actors or actresses to advertise their products to reach potential customers through television or mass-media, the company will ask the help from interested individuals or groups who wants to earn a living through the Multi Level Marketing.
so sa pagkakaintindi base sa mga comments na nabasa ko is ganito:
1. If you want to earn more, need to invite other possible members.
2. If ayaw mo naman mag invite, stick sa “mutual fund” ang investment which is not guaranteed kasi naka depende sa market and sa fund manager.
3. My other benefits, in terms of health and life insurance, i guess.
If that’s the case, i will avoid this na lang, kasi ang habol ko lang is yung mutual fund na mababa daw ang sales load fee or other fees compare to other broker. pero since i do read company reports, mag stick na lang din ako sa dati kong strategy which is to gather broker recommendations and compare it in terms of top company holdings ng mutual fund na gusto ko kesa mag invest dito sa IMG na may registration fee pa.
It so
very good
I think thanks so much for that program
( IMG )international marketing group ay financial literacy,financial education, tuturuan ka kung pano pahalagahan ang iyong perang kinikita at kung paano mo din palaguhin ng tama ng pakunti kunti,building wealth is not instant! once you are a member sa IMG maraming free trainings and learnings how to save and invest your hard earn money, kaya pag aralan nyo munang maigi bago kayo mag invest. at take note hindi kayo sa IMG mag iinvest, kundi sa company na nka tie up sa IMG, like gusto nyong kumuha ng life insurance tutulungan kayo ng IMG pra maka access sa manila bankers life insurance IMG ang mag process, ganon din sa mga mutual funds, Kya kung incase na mag avail kayo sa mga ganyan na mga product pag aralan nyo munang maigi bago kayo mg avail. kaya maraming trainings ang learnings na binibigay na libre sa IMG once your are a member. wlang pilitan ang pag iinvest nasa u lang ang desisyon! ang pag aaral sa IMG ay isa yan sa benifits ng inyong membership fee, at marami pang iba. 100% IMG is not a SCAM, IMG was stablished since March 07 2002. and was regulated by phil goverment,