Appinstitute state that you will not pay until your app is published. They took the full payment immediately, when I contacted to say I wouldn't be ready to publish until August they refused to refund me, despite the fact I cannot use the service because I dont have an app to publish. I have raised the fact that under consumer law for distance selling they have to refund and cancel within 14 days and they refuse to do this. When viewing their facebook page there are many people in the same situation. When I contacted my bank I also found my card had been stopped due to two fraudulent charges, one in China and one in Luxembourg. Appinsititute are the only people this card has been used with for months so its an odd coincidence that this happens the day after they take a payment incorrectly. David Hall, from their customer service is very unhelpful. I have gone from an excited customer looking to start a long relationship with them in August, to someone who is now having to look at taking legal action against them. I would not recommend them to anyone.