What happened was that in 2021 SPP Harvester many a lot of money...

What happened was that in 2021 SPP Harvester many a lot of money on the Z1P SPP when it rocketed up after the SPP close so they probably thought, let's do Z1P again this year in 2022. They were writing a lot of puff articles saying look at us, look how good we are. We made $10k on Z1P on a $30k application in 2022, but that was just pure luck because in 2021, there was no real discount at the time of the Z1P SPP close and the price rocketed up afterward the deal closed, so the result was just due to luck, not due to any advantage of their system.

I don't know why they did Z1P in 2022, when the Z1P price was not at any discount to what they could get it for in the SPP.

They say that it is a purely mechanical algorithm-driven program but that can't be right as there seems to be a lot of human discretion in their system. The decision to refund 3-months of fees because of the prior bad decision to take up Z1P SPP are discretionary decisions made by humans, not by an algorithm. Algorithms/Robots don't have feelings like empathy that would cause them to be nice and give back 3 months of fees.