I have a charge on my credit card and I don't even know who insider secrects guide is?? I never received anything from them. You can't get anyone on the phone it is only a recording theat tells you to go www.insidersecrectsguide.com and talk on their live chat 24hrs a day. I can't even get to that to get my money back. The bank can't do anything since it is under 50.00 and to stop the payment they charge you 25.00. Wow I thought we had protection using our credit card for things now I guess that is a wrong.