HMA University – Refund

Since I sell “information” … not “opportunities” … nowhere in any of our sales material do we offer any kind of Money-Back option outside of the 21 day trial.

Why? ? — Because…

(1) We are not a lending library. — If you want to borrow a book, we recommend a visit to your local public library.  We do not lend our publications.

(2) We cannot erase your memory. — Once you have read and made mental note of the information provided in our publications, there is no way you can return it to us.  Even if you return the printed material; or delete the PDF files and audio mp3 files from your hard drive, you still have the information in your memory for your ultimate use.

By not including a Money-Back option after the 21 days trial outlined in our agreement; of any kind, in our sales material, we intentionally discourage people who are seeking a “guaranteed” existence from buying our HMA Pro Membership.

Over the past 16 years, I have students who have literally made very nice money “doing” the things I have written about – and – other people have made millions, upon millions, of dollars doing what I teach in my materials.

May I suggest that you “use” the information in the materials you purchased to achieve the success you have been seeking … and … I am always here to assist you in your efforts anytime you run into a situation you don’t understand. — 

REMEMBER, others have done it … so I can steer you in the right direction.

If I were to give you a refund, I would only allow you an excuse to quit … delaying your success, again.

Micahel Senoff

JS&M Sales & Marketing Inc.
Attn: Returns Department
4978 Gaylord Drive
San Diego CA 92117

Please remember that canciling your HMA Pro Membership but continuing to use the products purchased from us is the same thing as stealing and may also violate the applicable intellectual property rights law.

This Refund Policy was last updated on 06-12-2017.

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Disclaimer: Every effort has been made to accurately represent our products, recordings, and their potential. Any claims made of actual earnings or examples of actual results can be verified upon request. The testimonials and examples used are exceptional results, don’t apply to the average purchaser and are not intended to represent or guarantee that anyone will achieve the same or similar results. Each individual’s success depends on his or her background, dedication, desire and motivation. As with any business endeavor, there is an inherent risk of loss of capital and there is no guarantee that you will earn any money using any of the ideas and products sold herein.

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