In order to process payments with Visa and Mastercard, ClickBank requires the CVV2 or CVC2 security code. The CVV2/CVC2 is a three-digit security code that is printed on the back of your credit card. The number usually appears in reverse italic at the top of the signature panel at the end. This number helps ensure that a genuine card is being used during a transaction. All MasterCard cards, both credit and debit, were required to contain CVC2 by January 1, 1997; all Visa cards contain CVV2 after January 1, 2001. Even if someone steals a valid account number, it is not possible to compute the CVV2 numbers. For maximum card security, all orders are sent directly to the banking network for immediate authorization.

As mentioned earlier, ClickBank also enables you to safely pay with your PayPal account. PayPal has quickly become a global leader in online payment solutions with more than 153 million accounts worldwide. Available in 190 markets and 18 currencies around the world, PayPal enables global ecommerce by making payments possible across different locations, currencies, and languages.

PayPal is as safe as any online bank. It has put in place over 2,000 experts in all areas of online safety, working 24/7 to prevent errors and fraud. As a leader in security technology, PayPal uses state-of-the-art fraud prevention to help stop cyber crime.

GeniusPlanning.com do not store any of your credit card or bank account numbers.

In fact, using ClickBank's secure server, you always make payment direct to them, so we never get to see your payment details. We receive notification of your order to make sure it is fulfilled to your satisfaction, but your money does not come to us. In the same way, any refunds are also issued direct from ClickBank. Your payments and any refunds are always handled securely and efficiently by one of the largest, most respected and secure merchant credit card service companies in the world.

How and when will my purchase be delivered?

Immediately after your order is processed you will be directed to our own Website's "Thank You/Download" page, where you will receive instructions on how to download your package. It's a very quick, easy and secure process, therefore you can start reading the information within minutes of ordering!

If you order through postal mail, send us your e-mail address and we will send you the details.

I thought I placed my order but I never got the download page. What happened?

Your credit card was either declined or the order was not successfully processed.

If your order was successfully processed, you would have immediately been routed to the download page and would have received a receipt e-mail from ClickBank.

If in doubt, contact your credit card company to verify that a charge from ClickBank does not appear on your statement.

Do you offer a guarantee?

Yes. If you are not satisfied for any reason you can get a full refund within 60 days of purchase.

For postal mail orders, we will simply mail back your check or money order (we do not cash them in before 60 days).

For online orders, this guarantee is backed, verified and administered by ClickBank.com. ClickBank effectively keep your money "in escrow" for 60 days and whenever you request a refund, they issue it to you. Just send us an e-mail and let us know. Include a copy of your original e-mail receipt from ClickBank which will contain all the necessary details. We will usually arrange the refund for you (or will direct you to ClickBank where you can quickly and easily do it yourself if you wish).

Alternately, you can request a refund by contacting ClickBank directly. Your original e-mail receipt from ClickBank of your purchase contains instructions on how to contact them.

You can read more about ClickBank's money-back guarantee by clicking here.

Will you share my e-mail address?

No. As stated in our privacy policy, we will never share your email address with any third party for any reason whatsoever.

Can I make copies of my e-book?

Yes. The content is our exclusive property and is protected by copyright and other intellectual property laws. The download of the e-books is for your personal (non-commercial) use only. This means that you can copy the e-books to one or more computers that are for your personal use, but you are not permitted to post them, install them or distribute them in a manner that allows access by others.

Can I put this on more than one computer or transfer it to my laptop?

The purchase is set up so that customers can access the download page only at the time of purchase. If you encounter any problem during download or installation, let us know. We will assist you until everything works fine. You can install the calculation tool on other computers. In order to use the tool on any computer, after launching the application, you will be prompted to enter your e-mail address (as user name) as well as your password for validation purposes.

How much is the e-book in my currency?

The package is priced in US dollars. If you are ordering from outside the USA and want to know what the approximate price will be in your own currency, visit The Universal Currency Converter and follow the instructions provided.

What if I have problems with downloading the package?

Please make sure you have followed the instructions provided at our "Thank You/Download" page, the page where you are able to download your package following your purchase. If this has not worked or you are still unsure on how to proceed, contact us directly for assistance.

How can I contact you?

You can send us a message through our "Contact Us" form or contact us by phone, fax or mail at the details provided on our "Terms of Use" page.