Free/Prepaid Minutes - Terms and Conditions


There is a limit of one award of 10 free minutes per account per person. Abuse of this limitation by creating multiple accounts. may result in termination of service and banning from This offer is for a limited time only and may end with or without notice.

Billing of Calls

You must have a valid credit card on file to schedule a call. When your free or prepaid minutes expire during a call, your call will not be interrupted. Your card will be billed at our current default rate of $2.50/minute, or at the special rate of your chosen advisor (which may differ from the default rate).

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