There are never any $197 USD refunds from the purchase of this product. Internet Business Kits is a collection of digital information and software that is impossible to really return once they are downloaded, etc. When affiliates refer an IBK sale they are paid DIRECTLY into their accounts so there is NO REFUNDS.
Everyone who buys the Internet Business Kits agrees that they can not request a refund. All sales are final, which means you always keep every penny when you refer an IBK sale.