Money-bank Guarantee:ever Received A Refund?

Offering money-bank guarantee is a way of  showing your customers how much you trust whatever you offer them.With it, your fear disappears,but that's if u ever get any refund.

I once attended a seminar with money-back guarantee.As it wasn't fulfilling, in fact i wouldn't have attended if i had known what it was, i went for a refund.Loh, it wasn't going to be easy or possible.'Welcome to the real world' was what i was told.

Have you ever received a refund? Your posts are welcome.