Automatic Billing. By providing your credit card information to Phil Erlanger Research Co., Inc., you agree that charges will be billed to your credit card for the applicable pricing plan and any additional charges you may incur. Advance automated billing to your credit card will occur on a monthly, quarterly, yearly or two-year cycle (depending on the term you have chosen) on the anniversary of the initial set-up and activation date unless other arrangements have been contractually arranged. Monthly subscribers may cancel at any time without incurring further credit card charges, but will not be given pro-rated refunds.