im so glad i came to this site as i talked to one of the reps and she was explaining the terms something just didnt seem right so i continued to talk and as we were talking i pulled this up i knew it was to good to be true and when they explained about the refund that really took me for a loop glad i was smart enough not to get scamed because thats all it is oh one last thing when i asked where did they operate from she only told on the westcoast.