Clickbank just notified me about their fee changes coming in January 2013. I'm not sure if I should stop using them or not. Clickbank is known for having the most lenient refund policy, and now they're punishing their affiliates and vendors for it. Matt Cutts is hated for what he's changed in SEO, now CEO of Clickbank Bradley Wiskirchen, will be the next most hated by Clickbank's affiliates and vendors. They will be adding all of these fees below, on top of their existing fees. Account Risk Fee... Just an excuse to collect some money.