You all are confusing two seperate issues. First of foremost, any site can state in their TOS (Terms of Service)
if it violates state or federal law that trumps any sites TOS. Moreover, any transactions (internet) that crosses state lines and a credit card is used is deemed a federal crime, since is crossed state lines. Depends on if the Feds wish to push it. Now allow me to respond.
Someone mentioned a lawyer would laugh... A civil lawyer has nothing to do with state and federal crimes.
If people are being 'deceived with the intent to deceive' that in itself is a fraud and deception, both are crimes, especially if a credit card is used. Though, one does not have to respond to credit card offers.
'Intent' is once one completes the offer one receives x amount of instant credit.
Hence you spend money and didn't receive item or 'agreed upon amount' in other words, you completed the offer for credit not to really receive the item. That is deception and fraud, epsecially if it's known beforehand that advertiser will not pay out.
Lastly, the 'fraud, deception, theft' occures when you complete work for instant credit it's never received but the site receives their share of your work. Unless you're working for free.
So in essence if the site receives any compensation for work or referrals by you (or your friends) and one isn't paid, that is a crime...it's fraud, a deception, a theft. The fraud is that they never had intentions to pay. The deception is they told you if you signed up you will receive this credit/money. The theft is if they are paid but you are not. But you did the work.
Now I'm not saying the site is doing this. I'm answering questions why if the site doesn't pay it's a crime of state and federal...By the way, I find it odd this site has no mailing address listed nor telephone number, but they wish to verify your address, phone and/or bank account...ciao