Personal Money Tree is an automatic cash rebate program. Quite simply, it pays you for shopping at participating online and retail merchants. Here's how it works: once the software is downloaded, anytime you visit a participating merchant (just about everyone you can think of), a small slider will appear in the bottom right corner of your browser, notifying you that you will earn cash back for any purchases made on that site. There are no gimmicks, secret codes, credit cards to use, or personal information required.