We have already explained you how you can easily define scam program even before making a test spend in it. And we want to remind you again that HYIP sphere is extremely unstable. Even those program that seem reliable can easily close without any alert signals. So in case you notice some unpleasant detail in the program, better avoid it and find something else. Moneyback-refunds.com is one of those programs that don't deserve even a test spend. Its monitoring page is empty, and what they show is only a fake banner of goldpoll monitoring, which shows Paying status. After such anevident lie - is it worth your trust and money? Never.