To be honest with you, if a program does not have a refund option available i will not buy it or even promote it. That's just bad business not allowing someone to get a refund. Let's say you buy a expensive shirt and 2 days later find the same one for half the price. Well the expensive shirt has a no refund policy so you are stuck with it. Just like most people, i'd never shop at that store again and tell my friends and family to never buy anything there. Was it the forex niche product that was refunded? Those are common since people like to purchase a product... take a look at it gather information and then do a refund. Those are mostly idiots that do this and not serious about making the product work for them. Clickbank eventually ban's members who continually refund products all the time. Don't worry about the refund and keep on promoting. Hell, i'd be a lot richer if people didn't do refunds on clickbank products but that does not stop me from promoting clickbank product's. Just makes me work harder to get convert's that actually use the product and not refund it within 60 days.