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We’ve all had those questions in our business that either stop our train of thought or slow our level of productivity down. Ranging from product creation, affiliate marketing, teleseminars, financial matters, I know in my own business I’ve come upon hundreds of business questions that I wish I could know the answer to. So, in this article I am going to answer two questions I’ve had about product creation.

Here is the question:

Do you have to offer a money back guarantee with your products?

Check with your merchant account for this information to make sure about their requirements regarding guarantees because some say you have to offer one and other will stipulate exactly how long they can be for.

That is the easiest and fastest way to find out the specific rules and regulations that the government has set, which your merchant account will have to follow, so they are the best place to check. Your merchant account will be following and staying up-to-date with the FCC rules and regulations because they are responsible for the money coming and going.

Check with your merchant account, but they are the ones that typically stipulate how long you can and cannot offer guarantee for.

Question Two:

What kind of percentage would you say is there on thievery, such as people downloading your product then immediately asking for a refund?

Professional refunders as I like to call them are people who will buy your product, download it, then almost immediately ask for a refund. Another group of people that you have to keep your eyes open for are those that purchase your product, download it themselves, then proceed to give your information to their friends, colleagues, family members, until you have ten people accessing information from one account. If you don’t have something set up to track information like that you run the risk of it becoming a big problem.

I can see how many different IP addresses are accessing my information and stuff like that. In the beginning, I did not have that and it was hard to tell and I knew people were passing my info around but you had no way of identifying who those people are and stopping them.

Armand Morin created a product, Product Padlock, which gives you the ability to secure your digital products. Through this product you can actually see who is downloading your product, where they are downloading it from and how many times they have downloaded it.

Using this tracking system if you notice five completely different IP addresses are downloading your products, that is a good indication that they are sharing the login info around. Product Padlock is a great resource to use to keep track of this information. As for a definite percentage or numbers of how often it happens, I don’t have that information. No matter what product I sell though, it happens.

If you have anymore online marketing questions, you can find more answers at www.InstantBusinessAnswers.com