Impact Knowledge Institute Impact KI Bait and Switch is the best way to describe their approach, then I lost my hard drive... St. George, Utah
If you talk to a person on the phone after paying for a small program that costs under $100, and they tell you you need to come up with $200 to start their full marketing approach, then if you qualify they will have you talk to a more important person, who is the real salesman. That person will tell you they will take most of the burden of starting you out, but honestly, they will ruin your credit for THOUSANDS of dollars.
They will tell you they will work with you if you can't make payments out of your new profits while you are in the program, but they will put on your credit that you owe thousands. They will call you any time when you are about to give them moneyeven on Saturdays, and then will say they are always available, but once they have your money, good luck reaching them about filling in the blanks for anything you didn't get as promised. It is hard to tell where they are based or really located, because I kept getting calls from different numbers, and when I called back the numbers that called me, then some of those appeared to be not taking calls- very suspicious. Some in Califormia, some calls from UTAH.
While I had questions that I needed to ask the person who would be providing the 'consulting/mentoring' I was told I could not talk to that person until 5 days after I committed some money to them through a credit card. However, I was told if I wanted a refund, it needed to be made within 3 days of the credit card payment, so I had no real opportunity to get my questions answered about the exact experience or financial results of the person who was giving me advice that I have already received in a 99 cent ebook! I ended up getting advice from a person who bought things at garage sales and hoped to sell them on ebay.
They also implied that their experienced experts know how to make money on things that sell on a regular basis on ebay, but when asking them, they were just guessing different things and they would pay fees when things don't sell and you can lose money if you order things for people and people want refunds as you may not be able to return some items.
So, I downloaded their software, and in the process, my computer had java script boxes appear with wanring messages, and they became more and more frequent as they slowed down my computer more and more, until 4weeks later, I needed to replace my hard drive and I lost hundreds of files and my some of my wedding pictures from last year. (My fault too for not backing all of those up.)
I can now see why they didn't want to tell me their company name until I was ready to give them my credit card information, they probably didn't want me to be able to do research online to check about other peoples experiences with them.
Avoid Impact KI / Impact Knowledge Institute / Duvera Financial
and any other company that tries to get you to commit to a program that will cost more than the up front amount without providing you the company name, and the real track record of the financial results experienced by the person who is giving you the 'coaching.'
It is probably best not to let a company view all of your activity on your computer when you don't know exactly what they are doing with it.