Contrary to claims made by one WSO which enables affiliates to clone merchants' sites in minutes, this practice is illegal because it is, in effect, passing off the site as one's own when, in fact, each cloned site is the intellectual property of the merchants concerned.
I don't know of many merchants who would tolerate this practice, let alone encourage it, even though the end result is the WIN-WIN factor of affiliates promoting merchants' products.
Intellectual property theft is against the TOS of Google, Clickbank and any self-respecting merchant who cares about their brand or product.
The reason I know this is that when one of our sites was cloned by an affiliate (against our TOS) and he ignored our polite and several requests to take down the site and build a real affiliate review site if he wished to continue promoting our product, the matter was reported to both Google and Clickbank.
The result was that the cloned site was taken down within a day or two and Clickbank wrote to us to say that the offender had been permanently banned from promoting not only our products but also other Clickbank products. So you see, Clickbank takes such matters extremely seriously.
So, if any affiliate is thinking of taking the easy way out (cloning or framing a site), without the express WRITTEN permission of the product merchant and/or ignoring the TOS of any merchant, concerned, then think again.
You may win a few sales commission until you're found out (there are easy and quick ways of being alerted to copy sites), but it may be at the risk of losing your entire Clickbank account and, perhaps, your livelihood as well.
Hope this is of some help to affiliates and would-be affiliates who may not realise the risks they run in their quest for quick solutions to the time-consuming business of building a review site for each affiliate product.