Want to return a product? No problem! Whether you're sending something back under a 30-day Free Trial, or you simply want a refund on any other purchase (up to 90 days), we'll be happy to assist you!

If you still decide that you want to return your purchase for any reason whatsoever (you don't even need to tell us why), here are the instructions:

• ADDRESS FOR RETURNS:
  FJR Advisors, Inc.
  ATTN: Returns Dept.
  4610 Prime Parkway
  McHenry, IL 60050
   
• Please include a completed Return Authorization form with all requested information, to be 100% sure your return is credited back to you. Simply Click Here to access the form.
   
• PLEASE use tracking on your return shipment! Packages are lost more often than you might imagine, and if yours is lost and you can't provide a tracking number to show that you really did send it back, we can't process your return.
   
• All 30-Day Free Trial returns must be received by us no later than 30 days from your original purchase date. This policy exists because you get instant download access to the PDF version of the book when you order. If we receive it after 30 days, we'll still refund your charge, but a 15% processing & restocking fee will apply.
   
• All other returns (non-trial) must be received by us no later than 90 days from the original purchase date of the product. Also please note that a 15% restocking fee applies to all non-trial returns, and on all free trials received by us later than 30 days from your order date.
   
• We do not reimburse shipping on returned merchandise nor do we provide return shipping labels.
   
• All shipping charges are non-refundable.
   
• Orders cannot be cancelled once they have been placed. This is because, in order to ensure the fastest shipping time, all orders are automatically transmitted to our warehouse and the package is placed on the truck for shipment. If you have placed an order that you wish to cancel, simply return the product to us per the above instructions.
   
• Refunds can only be issued to the credit card originally used to purchase. We do not issue refund checks - no exceptions! We cannot issue a refund if your credit card used to make the original purchase has been cancelled or has expired.
  
  This policy is in place to protect us from the increasingly common criminal act of receiving a refund check, then disputing the original charge in order to fraudulently obtain two refunds from us. Unfortunately, this is becoming a common crime committed against internet merchants; therefore we no longer issue checks.
   

Again, if you are unhappy for whatever reason, please contact us and we will do our best to work with you for the highest level of customer satisfaction!

If you feel that your issue is not being resolved to your satisfaction by our support team, you may escalate your issue by contacting Frank Rumbauskas directly via email at frank [at] nevercoldcall.com

Also, if you are requesting a refund because you did not receive your product, please contact us first so we can track the shipment. 90% of "missing" orders turn out to have been signed for by the receptionist in an office or by a family member in a home who simply forgot to give it to you.

Important Notice about Debit cards: While Debit cards are an acceptable means of payment, please be aware that we will not accept a request to call you first before running your card. As been mentioned, we charge cards after thirty (30) days from your order date and it is the responsibility of the Debit card owner to be sure there are funds available for the transaction. We will not be held responsible for any overdraft charges from your bank because you neglected to have funds available in your account to complete the sale!

It is suggested that you log the amount of the sale into your check register at the time you place your order, with a note that the balance due will charge after thirty (30) days.

Because of potential delays in the mail or due to other unforeseen circumstances, we strongly suggest that you have funds available even if you have returned the product, due to the fact that your return may not arrive in our office until after the charge runs. If this happens and you have insufficient funds then we will not be responsible for any overdraft or other bank fees. (In the rare event that your charge runs before your return has been processed, we always refund 100% of the purchase price.)

While we happily accept debit cards for payment, we suggest the use of a credit card instead to avoid any of these potential problems with debit cards.

FJR Advisors, Inc. reserves the right to change these terms at any time, without notice. Any changes to these terms shall be considered retroactive to all customers.

Our money-back guarantee has been certified by independent consumer watchdog group GuaranteeGuarantee.com which verifies that we honor our guarantee 100% of the time, no questions asked.