if you sign up with this company and pay the 1.97 processing fee to get a membership into their website, they have a companion company WebMoney Training that turns around and bills you 69.00 monthly for their service. I did not download, buy a CD, nothing from either company. I didn't even know anything about this Web Money Training website. It came in an email to me that I believed was a phishing from dealing with Alternative Funding so I ignored the email...Don't ignore anything, both companies and advertising are RIP-OFFS!!! Good luck getting anything back, I just hope I can shake loose of them before they empty my account!