Just had a funny moment with Nicole Keye, telling me that it's on the official website, then she couldn't find it, thats because it's on not on there it's probably a size 6 font on the terms and conditions. I say the way you promote the payment plan, shouldn't there be something on the official site, well don't they look a bit silly. Well their looking into finding out the refund policy now so i will wait to hear tomorrow!