I put this under "scam" because they keep charging you $10/mo. And never have to ask you (like at least every year) if you still want the service or it should automatically cancel. My credit card bill/monoth is >$5K, so i just missed this small charge per month until about 4 years when i said what is this?! To my chagrin, i had paid these people for something i never used. Sounds good if you use it, but it's a scam if you do not because they should have to positively get you to recommit every year in my view.