This company is a rip off. I was told they would guarantee savings or I would receive a refund. I received a spreadsheet which said if I paid X amount, I would get my savings. I lost my job within a month of 'singing up' for this great deal. I told the representative on the very first call I had from the company that I had lost my job (that day) and could not make any payments. I had not yet received anything from the company. I asked for a refund of my payment. I was told that since I received the spreadsheet, they had met their obligation. I am out a substantial amount of money and they could care less. DON'T DO BUSINESS WITH THIS COMPANY.