It is a complete scam. I don't have an account any more but I used to and 5 months later, no money. It was all fake. They say 60 business days for payout so that you cannot EVER get your payment back if you upgraded. Paypal only disputes charges up to 45 days later and credit card companies dispute up to 45 days to 60 days, depending on the company you are with.

... what goes around, comes around. Karma is a %*($#!!!