[PhotoJim]

The refund issue isn't a big one to me. Personally I don't expect that any of my prepaid airtime on mobile phone SIMs is ever going to be refundable. T-Mobile US certainly won't give me my $110 back at any cost, so the fact that a refund is available here, even at a penalty, is a plus to me, not a minus.

The marketing stuff is a little bit of a different issue. They should be rather open about that and clearer about what it entails. What am I saving by taking marketing, and how much marketing will I get? I might endure a little annoyance for significant savings, but if the savings are tiny I might not want the bother.