Claims that a consumer can get up to x% back or up to Rx back are generally misleading and deceptive as in most such cases only a small percentage of qualifying consumers actually get that amount back, with the average pay-back generally being far lower.

Any such claim must therefore be accompanied with the following disclaimers:

  - what proportion of consumers who qualify for such a pay-back are currently getting the stated amount back
  - what is the average amount that the qualifying consumers are currently getting back.

So for example:

UNACCEPTABLE: Join now and get up to 50% of your premium back

ACCEPTABLE: Join now and get up to 50% of your premium back (currently average pay-back 20%, 5% of members get 50% back)