Please do not buy anything from Stack Skills or Stack Commerce. I bought the Ultimate Excel for 34 USD via the NBC News on 20 Dec 2019. I bought & realized instructor for Macros had a course in Udemy. Since I had no problem in refunds with Udemy or Google, I thought it would be painless & thought I would have a chance via Pay Pal on 23 Dec 2019. I requested 4-5 times and I twice I was told contractually no refunds would be issued. I requested in a matter of 3 hours so digitally we consumers agree. Shame on Paypal for not digging deeper and closing the case in sellers favor twice (29 Jan 2020) & for NBC News for promoting fraudsters / scammers. Paypal did not bother asking for additional details that could not be input into their Resolution Centre. The reason I chose Paypal was to protect myself from fraudsters.