I was working on line with another company, when i typed in my card # this other company :Direct Commerce Academy somehow showed up and pulled my card Information from the site i was dealing with.Tell me how i dont know.I thought it was just a glitch. But when i told the fist company what just happened they said Direct Commerce was not associated with them.So icalled Direct Commerce Academyand explained what happened, they said sorry but when you put in card Information you approved the agreement.And no refunds, but i'll talk to a suprrvisor for you.When she came back on the line she said because of my situation would refund $70.00 of my money.Well i'm glad i didn't hold my breath.I've not received one penny.