ePerks?

Well I received another solicitation phone call today from a company offering referrals for a monthly charge and then 19% at the sale.  The monthly charge is nominal and 80% of the referral goes back to the customer.  I dunno about this.  The website has other "perks" for the consumer like discounts for cars and home improvements as well as from real estate agents.  Would I be better off just giving the 19% back to my customers myself?  Would I be getting all kinds of unqualified leads turning into a wild goose chase?  Would these types of leads expect more than just the referral fee?  Why stop there with the cash back incentive?  Writing this blog, I think I've answered my own questions.  If anyone out there has had any experience positive or negative with ePerks, I'd love to hear from you!