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We, as a merchant, provide both products (goods) and services (information) to our customers.

Unlike companies that provide a tangible product that can be returned for a refund, our product is information. It can be used immediately upon viewing, and there is no product to return. Once a service has commenced, there can be no refund. Our services are the absolute best we can make them. Just as with the Stock Market, our customers must recognize that the information cannot be guaranteed, and that past performance is not a promise of future results. What is guaranteed is that each and every customer will receive the service that was purchased in full.

If merchandise or products are ordered through a Direct Mail advertisement or via the Internet, the guarantee, if any, is included in the mailing, promotion or service description. Our advertising will also include the terms and conditions for refunds on any books, publications and/or systems purchased.