I was contacted by phone after i had visited their website. they got my credit union on the phone and asked DETAILED questions about my account, including who is charging my account, etc. I told them i was not interested. They told me i would be charged a 'termination fee' for not buying their product. I asked if this was a loan and they replied no. it made no sense so i told them i am not interested. They charged my account and shared my personal bank and identity info with numerous other companies who began withdrawing funds from my account. i had to close the account on the advice of my credit union. read full review »