Umm, even experts like their manuals. It's just a standard thing to ship with something like this. Don't be stupid.
apparently they don't have time to even process a refund. How will they make time to do an instruction manual.
I'm not clear on if you are just being indignant or if you really don't know, but just in case you really don't know... There is an instruction manual--it's just electronic only:
http://cointerra.com/user-guide/I am not trying to argue that they shouldn't have at least printed a piece of paper that said "read the user guide online at this address...". Just wanted to make sure you and others knew it existed.