Hi Howdy,
I personally like the Business products. Those that help people to make money have the highest demand.
This is also correct that ClickBank doesn't disclose the refund rate of each product BUT the gravity also reflects the refund. I mean refund has been considered as a factor in calculation of the gravity. So any product that has a higher gravity, has a lower refund rate too.
Yes it is also recommended to cloak your ClickBank link. I don't recommend tinyurl because forums don't like it unless you have your own website link in your signature and have the cloaked links in your site.
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