I'm not saying Zywave is a scam, but our experience with them has been less than fulfilling. Let me start off by saying that Zywave has some really amazing and high quality sales representatives. While that is for the most part a good thing, it can come with some negatives. For one, the sales representatives can be very convincing of the value of their product and make the payout for a such a high ticket investment seem inevitable, however we found that in practice this isn't always the case. As we approach the twelve month mark, enrolling in Zywave certainly has not been a highly profitable investment for us. In fact, it has been much of the opposite. Our profits may have seen zero growth at this point, but our expenses have increased by a pretty significant margin from this service. Zywave does provide a large database of materials, an HR platform, and an email marketing campaign service which are all relatively high quality. The problem is that these products do not, at least for us, justify the price. The database of materials is helpful, but is nothing groundbreaking and similar, customized marketing materials could be made for a fraction of the cost of Zywave's subscriptions. The HR platform, while it offers a lot of employee tracking capabilities, it takes a lot of man hours to set up and run. Much cheaper and less time consuming HR platforms are available. The email marketing campaign is a nice service, but again has the same issue that there are similar services out there for a fraction of the price. All in all, we have found that Zywave is not even close to worth the money we are spending on it. And although we did sign a long term contract, we were hoping that Zywave would work with us at opting out of the contract since we are wholly unsatisfied with the subscription. However, Zywave has been extremely inflexible with reaching a solution with us. They say we can break the contract and pay 80% of the remaining cost on the contract (hardly a deal) or keep the contract going until its end. We feel that it is our duty to forewarn prospective Zywave subscribers so that they do not make the same mistake we did by signing their contract. So, buyer beware! Only sign the contract with Zywave if you are POSITIVE that it is the right move for you.