Just wanted to point out that so called "refund policy within month" does not work for majority. Have you tried to get refund? you would get 'you don't have sufficient privileges to access this page' kind of message. After completion of month you get access to that page, but now you can not request the 'refund' as you ran out of time.
It sounds like pseudo compliance with Clause 4 of the new
MLM Direct Selling Guidelines 2016.
Unfortunately, these are only guidelines with no regulatory powers to back them up.
MLM scammers know this.