The AZ Formula–Scam or Legit?

The AZ Formula Scam or Legit

Are there times when you can talk to a salesman for five minutes, and that’s all it takes to know if you should keep listening or run the other way fast?

When I watched the sales videos for The AZ Formula, I couldn’t find anything that changed the negative impression I got about this program in the first few minutes.

So is the AZ Formula a scam or legit?  This one falls into the run away fast category!  I’m very glad that you’re researching this to check it out, and will walk you through my assessment step by step to show you why!

What Is The AZ Formula?

The AZ Formula is a program that was founded by a man named Steven Cook, who is also the CEO.  You can access it at

According to their video, this is the “world’s first-ever DONE FOR YOU affiliate profit system”. They claim that ordinary people like you and me are earning thousands of dollars every single day like clockwork for just a one-time fee of $37!

This is supposed to be a one-click profit system that:

Here are a few more screenshots from the video:

Why am I showing you screenshots with claims of how you can make huge profits completely on auto pilot? Because that’s all you get!

Steven Cook doesn’t tell you anything about the system other than showing some testimonials and telling you that he wants you to keep it “secret” because he’s already “cheesed” off a lot of e-comm millionaires. Seriously?!

The marketing tactics used are scammy, and the income claims are totally unrealistic.  I have the experience to know that no program is going make you this kind of money without a lot of time, hard work, and commitment.

Unfortunately, newbies who are looking for ways to make money online will not know this.  So that makes them susceptible to believing the claims that AZ Formula makes.

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How The Program Works

This is the section on my reviews where I give an overview of how a program is advertised to work. However, Steven Cook wants you to buy his system based upon nothing but being dazzled by the outrageous earnings claims he’s making.

After bombarding you several times with the claim of being able to make over $10,000 a week, he ups the ante by showing a shot of what’s supposed to be his bank account with over $1.2 million and then another shot of some sales total showing over $6.3 million!

At no point do you ever learn anything about how this program is supposed to work–only that he is only giving this opportunity to 10 people. The whole video is designed to make inexperienced or desperate people so impressed with the numbers he’s throwing out that they’ll overlook the fact that they don’t have a clue about what they’re actually buying.

You are supposed to trust a generous millionaire who has a heart and just couldn’t sleep at night knowing there were people out there who bought his system and weren’t making any money?

No, what’s supposed to happen is that you find out what the program offers, see the value in the features, and then make a purchase.  This is how a legitimate program markets their platform!

OK, so if someone wants you to give them your hard-earned money without knowing what you’re actually buying, you’d expect everything in their story to check out, right? Let’s look at whether you should put any faith in this system.

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Trust? No Way!

This system fails the legitimacy test on so many levels:

~ Steven Cook is not real! When I uploaded a screen shot of his picture into Google Images, I discovered that it’s a stock photo! This is the screen shot from The AZ Formula’s website:

And this is a stock photo that I found online:

Why hide your identity if you have designed a legitimate way to make lots of money online? You don’t–legitimate entrepreneurs would never hide behind stock photos and fake claims about who invented the system and runs the company.

~ The testimonials are false, and the people giving them are paid spokespersons from places like Fiverr. Here is one example, the first one is a screen shot from The AZ Formula:

The second one is a screen shot from Fiverr:

~ This company is making guarantees that you can’t fail in the video, then disclosing that there is no guarantee in the fine print:

The disclosure highlighted below that results are not guaranteed is common and all programs have them. But, legitimate programs will never make the claim that “you can’t FAIL” when they market their systems.

Disclosure highlighting no guarantee claimThe entire theme of the video is that this system is a complete done-for-you, money-making program on auto pilot. Once you market it that way and then say that you can’t fail–you’re making a guarantee in my book, and that’s a huge red flag!

~ At the beginning of the video, you’re told that the program is an affiliate profit system. Then throughout the rest of the video, they talk about eCommerce and inventory, etc. Is it an affiliate marketing program or an eCommerce program? They’re not the same, and that casts doubt on whether the creator of this program really knows the difference or anything about either one!

The Upsells and Real Costs of The AZ Formula

As usual with these types of programs, the real costs of The AZ Formula are shown to you after you make your initial investment. There are 2 substantial upsells that you will see as soon as you pay your initial $37. Here is a breakdown:

  • The AZ Formula–$37
  • The Gold AZ Package–$197
  • The Platinum AZ Package–$297

The total investment you are asked to make is $531, which is a lot different from the $37 fee they say will give you the whole system to get started earning thousands.Red Flag

Now upsells are not uncommon, and by themselves are not a sign of a scam program. But combined with all the other problems I’ve found and the fact that you don’t know anything about the program before purchasing anything, the costly upsells are another red flag.

I want to make full disclosure here, I did not waste my money purchasing this program or any of the upsells. All the information I’m relaying to you here is my opinion based upon the information in their sales video and my experience in internet marketing. The upsells and their cost data is from research I’ve done.

I’ve purchased a lot of programs in order to ensure that I can give an honest review of them. But there are some that I can spot a mile away that are not legitimate and this is one of them.

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Build Your Early Retirement Rating

Thumbs Down

Here at Build Your Early Retirement, we give The AZ Formula our lowest rating of 1 out of 5. If you try this program, we are highly confident that you will lose your money.

Don’t fall for the claims of fast, easy money online and done-for-you automatic programs that claim to make you rich working 15 minutes a day–the claims aren’t true! Making significant, sustainable money online takes work, commitment, and time.

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Once you’ve experienced what a legitimate program has to offer, scams like this one will be easy for you to spot. Platforms that you should consider will provide real value, comprehensive training, and mentorship through a great community forum.

If you’d like to see the platform that I recommend and where I host all my websites and learned everything I know, you can read my full review of Wealthy Affiliate. After you see what they offer, you’ll understand why I believe The AZ Formula is too risky to take a chance on!

Do you have any experience with The AZ Formula or programs like it? Please feel free to share your opinions, questions and experiences with us in the comments below!

I'm Janelle, a wife, a mother, and a grandmother of 5 angels (most of the time)! I started as a way to show how anyone can become financially independent and retire early. As I build out this site, I hope you'll comment and share your experiences as well. Good luck in all your endeavors, and may your success start now!

14 Replies to “The AZ Formula–Scam or Legit?”

  1. It’s terrible to know that scammers are going to such lengths to steal people’s money, but also very enlightening. I had no idea that they buy testimonials from people on Fiverr, although that does make sense. It’s kind of funny how they claim that results are guaranteed, and then completely contradict themselves in the disclaimer. It’s sort of like dietary supplement companies which claim huge health benefits but continue on in the disclaimer to say that they aren’t meant to treat any disease. It’s so important that people not blindly believe everything they read!

    1. It’s so disheartening to see the number of scam programs there are out there.  I used to believe that these kinds of testimonials had to be true or how could they put them on the internet?  But it’s amazing the kind of claims that can be made as long as there’s some fine print saying that it’s just marketing.

      I’m hoping that by reviewing these kinds of programs, I can help people weed out the bad ones and be able to find the ones that really provide a way to make money online like the one I use, Wealthy Affiliate.

  2. Hey there! Thanks so much for this detailed review about the AZ Formula. I had been wondering if it was a legit way to make money but thanks to you I know its not. That’s so mind blowing that the actual ‘creator’ of this product is fake and the bio that is presented as ‘proof’ is also fake. I hate scammers like this and am glad that you have revealed this and more to save others from wasting their time with this con.

    1. I’m glad you found it helpful!  My goal is to help my visitors see the best way to make money online and retire early, but there are a lot of scam and poor quality programs out there ready to empty your wallet.  So I want to be sure and review all of the programs I can and give people a honest opinion to make good choices.

      Thank you for taking the time to read my review!

  3. I am glad that I have read your review Janelle. I have heard about az formula but I was thinking that people really earn money with this platform. I can’t believe in that big numbers because it is obviously a lie. I hope that many people will read this article and find the truth about not giving their money easily.

    1. Live testimonials are a very effective marketing technique and really help to sell a program.  That’s why I think it’s important to show if they appear to be legitimate or not.  The creators of this program shouldn’t have any problem getting real testimonials if their system works as well as they claim.

      I hope that people read my review as well and use it to make a more informed buying decision.  Thanks for stopping by!

  4. oops,  another red flag spotted.  

    First of all,  any founder that hides his or her identity is scam,  that is not debatable because a true and legitimate design will be glad to let people know who you are and put in the public space you address.  It is rather unfortunate that the so called “cook” must have defrauded so many people of their hard earned money.  

    Please i want to ask this seemingly foolish question…..  Are there no ways to apprehend such persons?.

    1. That’s definitely not a foolish question, and it’s one that many people ask.  Unfortunately, though, these types of programs just shut down after awhile and then new ones popup in their place–many times a refurbished version of the original with a new name.  So the sites are long gone before the FTC has a chance to take notice.

      One recent program that the FTC did shut down is MOBE, a make-money-online system that took $125,000,000 from people before they were closed.  

      Hopefully people will research these types of programs and read reviews before just believing all of the hype!

  5. Good afternoon Janella,

    There we go again. It is amazing and also sad that these programs still attrack people who then sign up. An initial payment of $ 37 sounds fair but then come the up sales. $ 10.000 a week? how can that be without any work just being on auto pilot, that is not possible. 

    Those stock photo get really boring as you see the same faces be it for get slim stuff and then again on get rich scams. I think I could earn more money giving my own photo than joining AZ Formula. Thank you for the information, I will not fall for it.

    Regards, Taetske

    1. Glad you found it helpful!  Once you’re familiar with how these programs market themselves to get people to sign up, it’s easier to see all the red flags.  Unfortunately, they know just what to say to make inexperienced people believe they really can make that kind of money.  

      My hope is that they do research and read reviews to understand what they’re getting into.  Thank you for stopping by!

  6. Hello,

    It never seizes to amaze me how many of these scams there are out there. I believe doing reviews like this, is important to educate people and show them what to watch out for. By doing YOUR homework, look at all you have uncovered. I can’t believe even the photo is fake.

    Thanks for sharing you post and I am sure that is will make someone think twice before believing everything they read.

    Great job

    1. You’re welcome, and I do hope that what I’ve shown in my review will make someone think twice before giving up their hard-earned money to buy this program!

  7. I have been seeing this ad almost everywhere. This is truly a method that doesn’t work. There are so many red flags here, plus there are so many like this. Plus, I hate upsells even though its a common practice, i still don’t like it. I am glad to join Wealthy Affiliate as they don’t have any upsell. It teaches you from scratch to opening a profitable online business. Thank you for sharing.

    1. Wealthy Affiliate is my best example of how a legitimate program operates and markets itself.  There are no claims of huge income, no outrageous promises of wealth with no effort, no expensive upsells–everything is there for you to see and experience before you ever have to pay a dime.  And if someone does decide it’s right for them, it’s just $49 a month to start building an amazing career online!

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