Hi,
I've seen others return AP and have had their money refunded from Centerpointe. It doesn't seem to be a problem. I think Bill said there was a 2% return rate, which I suppose with a 12 month warranty, isn't too bad.
Also you don't get any return agreement on the higher levels but I know from experience if you happened to have lost or damaged a CD in some way, Centerpointe generally replace it no worries! :-)
