You need the money back guarantee if you want to sell any.
Also, the longer the guarantee is for, the fewer returns you will have. We offered a 1 full year 100% money back guarantee on our poker dealing course, sold it for $197 and had very few returns.
Last week, we finished getting the product into clickbank so we had to reduce our guarantee from 1 year to 8 weeks (per their policy) but still refunds are minimal... I'm sure this is partly due to the quality of the product you are selling but don't let the idea that you're going to have tons of people that purchase the product return it unless it really is low quality.
The guarantee is essential to sells... and if clickbank is handling it it should be straight forward and easy to do.
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J S
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