If someone steals your money and they are good at it, good luck with getting Varo to give it back. I have CID police, BBB, and a list of other companies working to get my money back and catch the thieves whom have a record of larceny. But good ol varo quickly denied my disputes and left me with over $2000 stolen. Also before you choose them make sure to look at all the law suits held and won against them. They really have an issue keeping us first during fraud. Do ur research. Easy is not better