I actually sent this question over to Sam’s head of customer support, and he said that they have issued 581 full refunds to date (over 10,000 students have taken the course), and that a lot of the complaints about refunds had to do with people expecting the usual “no questions asked” refund and then being upset when that wasn’t the deal. He mentioned that through the first two years of the course, the refund policy was included visibly on the sales page but wasn’t extremely prominent and obvious, and they have since made it much more attention grabbing to help eliminate that confusion. Throughout the last two decades I have often spoken of the importance of putting together a Band Agreement when you and your fellow band-mates are serious about doing business together professionally. Below you'll find a link to a template for a Band Agreement that will help you write your own Agreement. In my book 'Music Is Your Business' I explain some basic facts about typical band agreements. I also suggest that you and your fellow musicians should try and write up your own agreement before consulting with an entertainment law attorney. Will their employees or associates be included as well? Remember that any databases can be attached as a appendices. Read on for another quiz question. Some experts predict that about 30 percent of the US workforce takes part in the "gig economy," which means they are doing contract work. There is a good chance your company will increasingly be working with external consultants.