Their ad describes local area residents (wherever you happen to live) who make thousands of dollars each month. The testaments all false of course make it sound all too good to be true which is the truth. One actually admits to it not being totally free, just $2.97 to get a package in the mail with instructions on how to get started. That much is true. What was not mentioned was that my card was charged another $139.95. No button to click. No check box. No notice that your card would be charged. No nothing. I logged on to my bank's website and saw the two charges. That was the first clue I had that 'something was up'. I called my bank immediately, contested the charge and cancelled my card to prevent further unauthorized charges. I called the company and was quite honestly surprised to get an answer. The rep pleaded with me to give it a chance but I insisted on a refund. I was offered a partial refund instead. So far, my bank has not charged my account pending an inquiry.