If I were to sell something online I'd want the person to contact me first and talk about it. In my sells video I would give examples and let them know what they are buying is a course on education. I don't want people to buy because I can make more money, I want them to buy because they believe in the potential and certainty that it will give them the results that they want.
Usually people give refunds because they believe YOU didn't give the value of what you promised but if you look above you'll notice that if they get to a certain sense of awareness and certainty where they can feel this before they buy then they won't refund; this is because they will now feel it's a personal issue that they didn't succeed but I assure them that they will succeed by telling them "If you haven't succeeded in 30 days we will have a 1 on 1 phone conversation where we'll discuss how we can get you to your financial goals.
The other key is to make sure whatever you're selling is valuable as you say it is, because when it comes to 1 on 1 you'll need to set down some examples. It usually turns out that this person doesn't have enough energy, drive, time or money to invest into what they have bought. Which is fine because as long as you delivered on what you promised.
In case you're thinking... Yes I do collect cell phone numbers and I market to them through there phones very smart. I write down what product they bought from me and what is the difficulty level of that product and if they succeeded or not. If they haven't, what I'd do is...
One day in the future I'll message them and ask how they are doing and maybe present them a course that will be much less difficult and for those who have taken action and succeeded what I'll do is the exact same thing and present them something that is a little more advanced like just a 1 on 1 with me. The more passionate they are the easier it to convince them on what they need to become more educated.
I always tell people, "the more educated you are in your craft the more confident you are; PERIOD"
I hope this helps.
Daniel Brown - PAL