Refund Policy

I no longer offer automatic refund rights to buyers of my eBooks

I stand behind my information products and your satisfaction with them is, and has always been, very important to me. However, because my products are digital goods delivered via internet download and are therefore ‘unreturnable’, and because they contain valuable knowledge and information which you can’t ‘give back’, I no longer offer automatic refund rights to ebook purchasers.

Downloads are closely monitored and tracked. If you change your mind about a purchase before you have downloaded the product, I will happily issue a refund upon request. Refund requests made after you have downloaded the product are handled on a case by case basis and are issued solely at my own discretion. Any refund request must be made within thirty (30) days of your original purchase.


Why I Changed My Refund Policy:

no guarantee imageFor quite a few years I used Clickbank to process payments and handle product delivery. It’s simple, fast and easy to use for fairly non-tech people like me (like I was then anyway).

Clickbank has a default “60 Day Money Back Guarantee” which automatically applies to every product in their enormous database. Vendors have no say in the matter, it’s all totally automated and therefore it’s also wide open to abuse.

If you doubt this, why not drop by their website and order any product that tickles your fancy, or just grab the most ‘expensive’ product you find, don’t worry about the ‘price’ because it won’t cost you a penny. Just download your goodies, then at some point in the next 60 days click to get an automatic refund and keep the product forever. Tadaa! As if by magic, you get the goods for bugger all. There’s some great cat training videos in there, marketing guides, “How To” manuals for getting rid of piles, flower arranging tutorials, DIY guides, you name it, they’ve got it all! Well, except for my ebooks, as of today. Do I sound a bit peeved? You got it in one!

Don’t get me wrong, I am not peed off at Clickbank because of what the ‘serial refunders’ do. Clickbank offer a reliable and efficient service which is attractive to online vendors mainly for the powerful affiliate program they have where you can get lots of people to go out and sell your product on a commission basis (which I never wanted). I chose to sign up so it’s my own doing, and I can of course choose to leave, it’s a free market and all that. I am finally doing exactly that and voting with my feet to keep some control over my products and to avoid the thieving toe-rags who must hang around every street corner in the Clickbank ‘Marketplace’ all day and night, presumably with a pit bull in one hand and a joint in the other!

Using it was fine to begin with, but it gradually became intolerable as time went on and as I produced more ebooks with more in-depth and valuable knowledge inside. I was always more than happy to give refunds willy nilly and I gave out many of them early on, admittedly concerned at first as I took each one quite personally, at least I did until I woke up. Why would someone in Islamabad or Lagos be that interested in Betfair trading anyway, so I wondered. I started to get more curious when people were requesting a refund without having read a single PAGE of their ebook. I had some people actually stating their reason (which they don’t have to give) as ‘It was just too long’ or ‘I want just bullet point, too much work to read this all’.

To spend thousands of hours which I have, writing some of the most detailed and high quality trading guides on the web, only to watch impotently as people just grab their cash back, smile, and pocket the product, especially having given their ‘reasons’ as my ‘mistake’ in over-delivering on the information I gave them, that took the biscuit, and it was the last straw, sounding the death-knell for any future involvement with Clickbank at least as far as selling my ebooks goes. Of course I learned I was naive in believing some of the ‘reasons’ given by many of these refund-junkies, they just scribble something down to make it look like they had one. Funnily enough, there’s no drop down menu option for “I just wanted it for free”. Shocking I know!

men sucking lemonBy the time I published my final ebook on pre-race trading I was far beyond the point of tolerating this situation any longer. This book nearly broke me, it took months and months of mind-numbing work and the thought of someone getting a copy of it for sweet Fanny Adams, well let’s just say I would rather do what that man is doing > !

This is quite a sad day for me because I genuinely always liked offering a full refund to people, so long as those people were genuine. Idealistic and naive? Guilty as charged. In that perfect world, I could and would still offer it, as the only people who would ask for a refund would be a few mistaken purchases or a handful of other very rare situations, in which case I would gladly give a refund. (And I still can do so now at my discretion). The trouble is, anyone can “say” anything, and there’s no way to be 100% certain of their motives, although I have fairly good instincts these days thanks to this past experience!

I therefore decided to take this difficult and rather regrettable decision to offer NO REFUND RIGHTS on my products any longer. Bear in mind, the fact I don’t give a “right” to a refund doesn’t actually mean I would never provide one. In certain circumstances, where I could be sure someone was genuine, I would still happily give one if asked. The problem is working that out, but I am happy to discuss it. If you buy a product and have a genuine reason why you think it’s reasonable to request a refund, please let me know. All I will say is this, if you are a thieving toe-rag and you think this paragraph gives you a way to get my products for nothing, you can think again. That party’s over, and I bought all the beer.

Just for clarity I should point out that eBooks and other digital downloads (software, music etc) are given their own classification in the Consumer Contracts Regulations and the Consumer Rights Act. They are deemed neither as ‘goods’ nor as ‘services’, rendering them exempt from normal refund rights, and also exempt from the 14 day “cooling off period” offered for online transactions (other than digital downloads). This is for two very good reasons:

1. They can be easily copied within minutes of purchase

2. There is therefore no way to “return” the product

I wish it was a perfect world but it isn’t. I know that I will lose sales by making this decision, but that has never really concerned me as sales was never the reason for starting this site. A sale or two a week really does very little for me financially anyway, and I would rather lose sales than willingly enable people to steal my (extremely) hard work and perhaps more importantly, cause me stress which I am under orders to reduce in any way I can! Unfortunately it’s a catch 22, I was on the other side of it until now, neither side is perfect but less buyers just means less people using my methods and less questions landing in my inbox so less work in that regard too. I therefore believe that it’s now best to choose the other side of the catch 22.

Having said all that, if any genuine person is reading this and is deterred from purchasing, please bear in mind firstly that I would feel exactly the same, and secondly that I am open to any questions you may wish to ask prior to purchase, if that will allay any concerns you may have. There are plenty of genuine testimonials from readers of my products which you can read. That should hopefully assure you that I am not a fly-by-night merchant who produces junk material. Contact me to ask about particular products if you want to, include some information about yourself and where you are in your trading career. I will give you an honest opinion on whether I think a product will help you or not, and you won’t get any BS, I have often advised people against buying one of my products due to feeling that it won’t help them for any number of reasons. If you are interested in a product but put off by the lack of an automatic right to a refund, talk to me about it. I may well be able to put your mind at ease or find a solution which we are both happy with.

Thanks for reading, this was the first page I really did not enjoy writing, but ‘needs must’ I am afraid.