3. Look for a contact point, office hours for their support function, how to contact them.  Are there real people behind it? Can you reach them?  Could you get your questions answered?  This is important.

4. Probably the single most important indicator, if you can get it, is their refund rate.  What percentage of those that sign on later decide to ask for/demand their money back?  3% to 5% is ideal. A little higher might still be O.K.  However, anything over 10% should be a red light! Just balance out the factors, use your best judgment.

[Or look at our picks on the Rankings page here at this website!]

5. Is there a guarantee, and, if so, how strong is it?  If all else fails, can you get your money back?  This is important not only for getting a refund in the worst case scenario, but also for the attitude the company is going to have toward its clients.  If there is a strong guarantee in place, they are more likely to treat their clients well so they won't pull the plug on the deal and opt out.

How do you know it's a strong guarantee?  Personally I'm partial to guarantees like that given by companies who market their services through ClickBank.  ClickBank provides a marketplace for venders to list their products in and sell from, an army of affiliates to help sell products and they collect the money.  When they collect money they take out their fees, pay any commissions and the seller gets the rest. 

ClickBank has a 60-day refund policy.  Basically, if anyone asks for a refund within 60 days with any sort of reason, ClickBank says O.K.  For this they withhold 10% (more or less, depending on their experience) from the vendor and the salesman and hold it for 60 days as a refund guarantee.  So ClickBank is the seller's banker, and is holding the guarantee fund.  You can be sure that if you demand a refund from the seller, if he doesn't give it to you then ClickBank will!  Now that's a strong guarantee!

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