I simply visited their web site after seeing an ad. I asked for inormation and agrred to a one time fee. It turned out that I had "joined" as a member with monthly membership dues. I am now trying to ge rid of them. My bank tells me that I have to deal with them, but I've not been able to. I have called their number, but reach an automated response that I can access information about them for a certain charge, $10.95. What a run around!