moneyback guarantee

If clickbank offers 90 days moneyback guarantee, then how come the claim to pay affiliate every week, what if an affiliate has already been paid and someone just request for refund? Just curious about it

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So I was checking out the competition in a few niches, and I noticed some which are pushing ebook sales offer a 30-60 day satisfaction/money back guarantee. How can they do this if they are selling fake/mediocre content? Do they figure that people will be too lazy to try and get their money back...