Optionetics is a company that provides training for options trading. They are based in Redwood City, CA. The company runs Internet ads for a free software trial. The consumer clicks the ad and is taken to the Optionetics website, www.optionetics.com. During the registration process, the consumer is asked for his credit card information but is assured repeatedly that he will not be charged as long as he cancels his free trial within 14 days. The consumer cancels the free trial before the deadline and is again assured that he will not be charged. A couple of weeks later, Optionetics charges the consumer's credit card $75 without authorization. Optionetics claims that the $75 is for the instruction manual. They mail this instruction manual, which is 20 pieces of copier paper, without asking the customer and then charge his card without authorization. This is illegal and is obviously fraud.