I was told for P&H I would get a cd with information and list of clients to do billing and take care of amounts sort of accounts receivable. A kit with info would be UPSed. but no UPS and 14 day trial was free but I knew no such disclaimer. when more than P&H was withdrawn on 11/24/2009 I called 800497-4988 to get satisfaction and the CS line was in the Phillipines.