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Terms and Conditions / Refund Policy

1. All payments are for one time purchase only and there are no recurring payments involved.
2. We do not store customer information nor share with any website or company.
3. Delivery will be made to the customer registered address only.
4. Please allow enough time for credit to appear on your card statement.
5. Please allow 5-7 days for the shipment to be reached at your address.
6. Purchases approved for refunds must be supported with our return authorisation forms which can be obtained upon request.
7. Refunds must be requested within 14 days from the receipt of the package.
8. Refunds will be made only to the purchased cards minus handling and restocking fee of 20% of the actual money charged.
9. Discounts are available for senior citizens.
10. We are not authorise to provide any type of financial training or advice on any financial matter. 
11. We will only guide the customer for the use of our software DVD.