I signed up for $49.95 per year. The information provided wasn't worth much, so I quit opening the emails. They said one of those emails was my chance to opt-out and since I called (when I saw the $199.95 charge) a week or two after "the deadline". Apparently, I inadvertently checked a renewal box. I disputed this to AMEX, who after "investigation", said they sided with the merchant. Jim Cramer claims to be so right-minded on TV, but he is complicitous in this scam.