Terms of Service, Refund Policy and Replacement Policy

For Physical Merchandise: For physical merchandise delivered via postal mail, Federal Express or UPS, we will issue a full refund for any product  that arrives damaged if it's returned with in 30 days of purchase.  If the customer prefers, we will replace the damaged product if it's returned within 30 days of purchase. We will also issue a full refund of any product purchased for any reason upon request if it's returned in undamaged condition within 30 days of purchase. This refund policy does not apply to membership programs, which involve recurring monthly billing, such as the Inner Circle marketing training program, the terms of which are described below.

Terms of Service

for the Inner Circle Marketing Training Membership Program


Inner Circle Membership Program: If you  enroll in the Inner Circle marketing training program, your trial membership for $1 will last 7 days, after which your credit card or debit card will be billed monthly for $38 unless you decide to cancel.  You may cancel out of the program at any time simply by sending an email to Ben Hart at lovesdirectmail@aol.com.


Cancellations must be done in writing via email.  We will examine refund requests on a case-by-case basis and issue refunds at our option.


We make no guarantees, warrantees or promises about earnings.


These terms of service are deemed accepted by anyone who uses this site.


All material on this site or created by Ben Hart are the exclusive property of Ben Hart and may not be reproduced or used in any way without his written permission.