this is one of our trade secrets, so I can't discuss the details... this is again a trade secret, but no it's not due to our insurance.
I respect your desire to keep your trade advantages secret, but it may backfire on your adoption rate. I can not imagine how you've solved the issues I've pointed out and thus leave open the possibility of the worst. I will not be using your service nor will I recommend it to others until much time and real-world experience show you can be trusted. I wish you the best and hope you prove my skepticism unfounded.
Their "trade secret"(ah!) is the same as companies like paypal "trade secrets". They charge customers exorbitant fees to cover for losses caused by scammers. Ex.: The $15 deposit fee...