They just recently changed their terms. I looked into them a few months ago and said "no way Jose" just cause I may look dumb doesn't mean I am. Before it was a ripoff, now they claim they are the same as anyone else in terms of percentage, and when you get paid, etc. Somehow I'm uncomfortable with someone who only changes something that is obviously a ripoff until they get bad press about it. Shows me an attitude I would rather not deal with. Thats my opinion. Personally I think you should shop around first before committing to them.