CFS will replace any defective CD/DVD free of charge within 90 days. CFS will replace any defective tools within 30 days. There is no cash refund for educational products (DVD/CD) once mailed, or Distance Learning webcasts once a username and password is issued. CFS will offer a credit for the refund amount to be filled with any educational CD/DVD/Distance Learning product of same value (tools excluded). No refunds after the live portion of a class has been attended.