I purchased software from Ann-Marie Rosen via JVZoo. I carried a 100% money-back guarantee.
However, when I requested a refund, Ann-Marie Rosen gave me the run-around and said she doesn't give refunds for software. Howeveer, that's exactly what she sold me through the ad. And that's exactly what the guaranteed covered!
I wrote to JVZoo, and they said Ann-Marie Rosen was responsible for refunds.
Beware of buying anything from this woman! She doesn't keep her promises!