60 DAY MONEY BACK GUARANTEE
**APPLIES TO WEBSITE AND PHONE ORDERS ONLY**

STANDARD REFUND POLICY
After 60 days, refunds or replacements are based solely on defects in the physical media, not general dissatisfaction or lack of features.  Refunds/replacements are provided only after our technical support team has assisted in your installation and the Software fails to function fully according to the technical team diagnosis.  Defected software media can be returned within 90 days, at your expense, along with the packing slip that came with the media.  In its sole discretion, Credit Umbrella will then either send you replacement media or refund the purchase price. 

In particular, please note that returns after 30 days are not allowed in the following situations:

• Improper use of the Software.
• Misunderstanding the use of the Software.
• Purchasing the Software for use on an unsupported operating system. 
• Unwanted Software upon or after purchase.
• Where the request for return is based upon a defect or bug which can be corrected/resolved.
• Any other request for return made outside of the 30 day window, except for breach of warranty.

For more details on our 30 day Money back Guarantee and refund Policy please read our End User License Agreement.