So as of now I'm trying to contact local business owners via email and ask if they are interested in a new Web 2.0 website. My plan was to first ask for a payment so I can purchase a ThemeForest theme and purchase a domain name and web hosting if neccesary, but what if the client wants to have his money refunded? If I already the money spent on a ThemeForest theme, domain name, and web hosting - then how am I supposed to pay him back? I currently don't have much money to cover allowances. Is it possible to setup a no refund policy in a contract? Thanks for the answers in the advance!