I have promoted Clickbank products for several years and I have done very well with them. I make sales almost everyday. There are a few flaws in their system. I rarely send out the direct hoplink. I send them to a page on my server which redirects to the clickbank site. This helps a bit. Overall they have been quite reliable. There are returns with any business. I asked for a refund on two products that I purchased myself on clickbank and they banned my ip address from ordering again! Actually a good tactic for merchants. We will give you your money back but do not abuse the priviledge.