UPDATE: new members beware, instead of signing on the tiny rectangular electronic box they have, demand a full hard copy of the printed out agreement you are signing AND a thorough explanation of what you are signing. This is where the hooks are and the sales person will NOT go over that stuff with you otherwise, just make you sign/initial. They will email you the non-contact contact that you've just signed a few days later. I, personally, did not think to read over what i signed because i inherently trust other human beings to not be so malicious or misrepresenting. My bad. I've opened a fraud claim with my bank as well as reported them to the BBB for shady business practices.