I have been with the company for a short time. It is interesting. There is a good community around the business.
The facts: It has been around for over 2 years. It has a method of generating income outside of the MLM marketing business. It generates profits from business activities (trading, and leveraged loans) so that the money spent on certificates is not the only revenue. These business activities seem to be enough to support the company.
The Bad: It has a plethora of products and it can get complicated understanding them all.
The Good: As a passive income source, it is excellent. There is a real world business case to support the awesome profits generated