If Advisory Cloud is legal it is barely legal, otherwise an outright scam. I signed up for this, received none of the benefits promised and wrote it off. Then I got notice of a $285 deduction from my account called Advisory Cloud and asked for the fee to be refunded and the account closed. They closed the account but would not refund the $285 telling me that I should have notified them "15 days before the billing that I wished the account to be closed." I asked how I would know when the 15 day period began I was told that was my problem. Absolutely avoid these people.