You have a thirty day money back Gurrentee  but you have to try our product's first to get your money back . No you have to work an hour or two each day , Some services are a trial period then you have to pay  , certain Financial product's may or may not have a 7 day trial which you  need to call before it expirer's. While other's are a 60 day full 100% money refund and keep 100% of what you made