Our subscription fees are generally non-refundable. You will receive the full benefits of your membership because your password remains active until the end of the most recent paid billing period no matter when you cancel during that period. Please refer to the Terms and Conditions of the website you joined for further information. They can be located in the customer support section of the members' area.

IF YOU TRY TO DISPUTE OR DENY A VALID CHARGE, your credit card details along with your name and address will immediately be added to a negative database. This negative database is shared by thousands of merchants on the Internet, both large and small, to minimise further fraud.

You will not be able to use your credit card to purchase goods or services from any of these merchants in the future. IF YOU TRY TO DISPUTE OR DENY A VALID CHARGE, you will be sent an invoice for the disputed amount by regular postal mail.

Copies will also be sent to your bank and credit card company. This invoice will include the following information:

* The name of the site you paid to access
* Your IP address at the time you signed up
* The date and time of your signup
* The original charge plus a $35.00 dispute processing fee.

If you do not pay this invoice within 30 days, a second invoice will be sent. This invoice will also include the following information:

* Access logs detailing when you accessed the site in question
* The IP Address(es) you used to access the site, and which ISP you used
* Examples of any files, images, or other information or material protected by copyright you downloaded from the site after gaining your username and password

If the second invoice is not paid within 30 days, the charge(s) will be forwarded to one of the 17 debt collection agencies which we work with in all five continents. To avoid any of the outcomes above, we encourage you to contact us first for any problems with your purchase or subscription. We have an excellent track record in resolving problems to ensure that you are fully satisfied with your purchase. Most complaints and-or disputes are easily resolved to the satisfaction of both parties.