We will certainly refund your money if the documents don’t get delivered to you for some reason. This has never happened. But once they are delivered to you, either by download or e-mail, whatever the method, you cannot return them. Now the information is yours. We cannot control what you do with the information. Nor can we control how the pretender lender institutions will respond to your filing of the documents with them. Thus once you have received the Liberty documents, there cannot be any refund thereafter. The good news is, since 2002, only about 0.1% (one tenth of one percent) of the Liberty customers have asked for a refund. And their reasons were invariably because they lost courage and didn’t have the mettle to confront the bankers. That is testimony to the success of the Liberty program.