Anyone using the same hotspot can intercept your laptop's Wi-Fi signal.Your bank account info, credit card numbers, and private e-mails or messages can be stolen out of the thin air. PRIVATE WiFi is a subscription-based service. We accept all major credit cards and PayPal. You can upgrade, renew, or cancel your subscription at any time. Just select the "My Account" menu in the PRIVATE WiFi software. PRIVATE WiFi offers a Money Back Guarantee. If you are not satisfied with our product or our service, contact us at any time and we will immediately refund the unused portion of your subscription.