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Exhibit 10.14

                                PORTAL AGREEMENT

THIS AGREEMENT, made the 15th day of October, 2000 by and between RETURN
ASSURED, INC., a Nevada corporation with its principal place of business at 1901
Avenue of the Stars, Suite 1710, Los Angeles, CA 90067 (the "Company"); and

Liquor.com, Inc.
4205 W. Irving Park Road
Chicago, IL 60641

(the "Portal").

WHEREAS, the Company is engaged in the business of providing, on a fee basis to
be paid by the merchant, a refund guarantee program to electronic retail
purchasers of goods from subscribing merchants in accordance with each
merchant's refund policy (the "Return Assured Program"); and

WHEREAS, the Portal is in the business of operating a Direct Marketing Company
directed to consumers in the United States; and

WHEREAS, the Portal and the Company desire to enter into an agreement whereby
the Portal will co-market and sell the Company's services and program to their
Direct Marketer partners in exchange for a share of the Company's fees earned
from the retailers (merchants) obtained by the Portal.

NOW, THEREFORE, in consideration of the mutual promises, covenants and
conditions contained herein, and for such other good and valuable consideration,
the receipt and sufficiency of which is hereby acknowledged, the parties agree
as follows:

ARTICLE 1   ENGAGEMENT OF SERVICES

     1.1      Pursuant to the terms and conditions set forth in this Agreement,
              the Company hereby engages the Portal, and the Portal hereby
              accepts said engagement as the Company's non-exclusive sales
              representative for the solicitation and sale of the Return Assured
              Program to their partnered merchants.

     1.2      In connection with the Portal's marketing and sale of the Return
              Assured Program, the Portal agrees to utilize only the sales
              materials, information and documents provided by the Company, and
              to make only those representations regarding the Return Assured
              Program as are provided and authorized by the Company.
              Furthermore, the Portal agrees to recommend the Return Assured
              Program to its merchants as the exclusive return policy assurance


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              program and to post the Return Assured trademark/logo on its
              website in a form and manner reasonably satisfactory to the
              Company.

     1.3      The Company and the Portal agree to mutually develop and implement
              a co-marketing plan for the performance of the Portal's duties
              hereunder prior to engaging in any sales activities.

     1.4      The procedure for the Portal to consummate a sale of the Return
              Assured Program is to first provide the prospective merchant with
              the information package provided by the Company. This is important
              since the package contains a detailed description of the Return
              Assured Program as well as a legal disclaimer that the Company is
              in no way acting as a guarantor or insurer of the quality,
              performance, merchantability, fitness for any particular purpose,
              design or standards of the products/services sold by such
              merchants. Once a merchant expresses a desire to subscribe to the
              Return Assured Program, the Portal shall provide a Merchant
              Agreement in the form annexed hereto as Exhibit A (the Merchant
              Agreement) to the prospective Merchant with instructions for the
              merchant to review same and, if applicable, to execute and deliver
              the Merchant Agreement to the Company along with any fees due
              under the Merchant Agreement. The Company will then countersign
              the Merchant Agreement and return a copy to both the Merchant and
              the Portal.

ARTICLE 2   COMPENSATION

     2.1      In consideration for the Portal's services hereunder, and subject
              to Article 6.2 below, the Company shall pay to the Portal seven
              and one half percent (7.5%) of all gross fees received by the
              Company under the Merchant Agreements procured by the Portal
              during the Term hereof.

     2.2      Payment of all amounts hereunder shall be made within forty-five
              (45) days following the end of each calendar quarter and shall be
              for the amounts due and accruing during the preceding calendar
              quarter.

     2.3      Payments to the Portal hereunder shall be accompanied by a
              statement, certified to be true and accurate by an officer of the
              Company, setting for the calculation of all amounts due to the
              Portal hereunder.

     2.4      Payments to the Portal hereunder shall be made in United States
              Dollars and, if applicable, shall be made using the exchange rates
              in effect for any foreign currencies on the date payment is due to
              be made.


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ARTICLE 3  SCOPE OF SERVICES

     3.1      Scope.

              (a)        The scope of the engagement hereunder is limited to
                         marketing and soliciting the sale of the Return Assured
                         Program to prospective Internet merchants in the
                         Territory. It does not include the right to sell or
                         solicit any sales beyond the Territory or to make sales
                         to the general public or to market or sell any of the
                         Company's products/services other than the Return
                         Assured Program as set forth in the Merchant Agreement.

              (b)        The Portal represents and warrants that it shall make
                         representations regarding the Return Assured Program
                         that are true, accurate and in accordance with the
                         product information provided to it by the Company.

ARTICLE 4  INDEMNIFICATION, NO PARTNERSHIP, REPRESENTATIONS/WARRANTIES

     4.1      Indemnifications. Each party hereby indemnifies and holds harmless
              the other, their officers, directors, employees, agents, heirs and
              successors from and against any and all loss, damage, expense,
              liability (including reasonable attorney's fees) which arise as
              the result of the breach of any provision or warranty contained
              herein.

     4.2      No Partnership or Authority. Neither party shall have the right,
              power or authority to contract in the name of the other, or to
              otherwise bind or pledge the assets of the other. This Agreement
              does not create a partnership, joint venture or franchise
              agreement.

     4.3      Representations and Warranties of the Company. The Company hereby
              represents and warrants that (i) it is a Nevada corporation
              validly existing and in good standing; (ii) that it has the power
              and all necessary authorization and board resolutions to enter
              into and perform this Agreement; and (iii) that by entering into
              this Agreement and performing its terms, it will not be violating
              or breaching any (x) third parties rights or agreements; (y) any
              court order, judgment or decree; or (z) any applicable law,
              statute, rule, regulation, ordinance or otherwise of any
              jurisdiction.

     4.4      Representations and Warranties of the Portal. The Portal hereby
              represents and warrants that (i) it is a New York corporation
              validly existing and in good standing in its


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              jurisdiction; (ii) that it has the power and all necessary
              authorization and board resolutions to enter into and perform this
              Agreement; and (iii) that by entering into this Agreement and
              performing its terms, it will not be violating or breaching any
              (x) third parties rights or agreements; (y) any court order,
              judgment or decree; or (z) any applicable law, statute, rule,
              regulation, ordinance or otherwise of any jurisdiction.

ARTICLE 5  DEFAULT

     5.1      Default. In the event either party defaults in any of its
              obligations under this Agreement, the non-defaulting party shall
              send written notice to the defaulting party setting for the nature
              of the alleged default and the provision of this Agreement
              allegedly violated. In the event the defaulting party has not
              cured the default within thirty (30) days from receipt of notice
              of default, then the non-defaulting party may pursue any remedies
              at law or equity it deems appropriate. In this regard, should the
              Portal permit an uncured default to exist, the Company may, among
              other things, terminate this Agreement. Both parties hereby
              acknowledge and agree that a breach of this Agreement will likely
              result in irreparable harm to the other and, as such, agrees to
              the issuance of injunctive relief (including preliminary
              injunction and temporary restraining orders) to prevent further
              breaches and/or damages.

ARTICLE 6  TERM

     6.1      Term: Subject to Article 5.1, this Agreement shall endure for a
              period of five (5) years from the date first written above. At the
              expiration of said Term, this Agreement shall automatically renew
              for one additional five (5) year term unless within sixty (60)
              days prior to the end of the original term, either party sends
              written notice to the other of its intention not to renew. In the
              event notice of non-renewal is sent or this Agreement is sooner
              terminated as provided herein, the Portal shall immediately
              discontinuing soliciting, selling, brokering or otherwise acting
              on behalf of the Company and the Return Assured Program in any
              manner whatsoever. In the event the Portal continues representing
              the Return Assured Program after the expiration of the Term with
              the knowledge and consent of the Company, it shall not be
              construed as a renewal of this Agreement, but shall be considered
              a day to day contract under the same remaining terms and
              conditions herein. Notwithstanding anything herein to the
              contrary, in the event the Portal does not maintain at least 10
              active, fee paying Merchant Agreements during any month during the
              Term, the Company


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              shall have the right to terminate this Agreement on twenty (20)
              days written notice to the Portal.

     6.2      For the six (6) month period following the expiration or sooner
              termination of this Agreement, the Company shall continue to pay
              the Portal its consideration set forth in Article 2 above on all
              Merchant Agreements in effect during said time period. After said
              six (6) month period, the Company will not have any obligation to
              pay the Portal any compensation whatsoever on Merchant Agreements
              (or any extensions or renewals thereof) procured by the Portal
              during the Term hereof.

ARTICLE 7  MISCCELLANEOUS

     7.1      Force Majeure: It is understood and agreed that in the event of an
              act of the government, war, fire, flood or other natural disaster,
              or labor or manufacturing strikes which prevent the performance of
              this Agreement, such nonperformance will not be considered a
              breach of this Agreement, and such nonperformance shall be excused
              while, but not longer than, the conditions described herein
              prevail. The period of Force Majeure shall not exceed eighteen
              (18) months.

     7.2      Notices: All notices and other communications required or
              permitted by this Agreement to be given by a party to another
              party shall be in writing, and until otherwise specified in a
              written notice by the other party, shall be sent to the other
              party by hand delivery, certified mail return receipt requested or
              by commercial overnight courier at its notice addresses set forth
              below:

           If to the Company:           Return Assured, Inc.
                                        1901 Avenue of the Stars
                                        Suite 1701
                                        Los Angeles, CA

           With a copy to:              Steven M. Kaplan, Esq.
                                        Kaplan Gottbetter & Levenson, LLP
                                        630 Third Avenue
                                        New York, NY 10017 USA

           If to the Portal:            Liquor.com, Inc.
                                        4205 W. Irving Park Road
                                        Chicago, IL 60641

Notices shall be deemed given as of the fifth business day following dispatch by
certified mail; or on the date of actual delivery by commercial messenger or
overnight carrier service.


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     7.3      Controlling Law: This Agreement shall be construed in accordance
              with the laws of the State of New York, United States of America
              and jurisdiction over the parties and subject matter over any
              controversy arising hereunder shall be in the Courts of the State
              and County of New York, County or the Federal courts therein. Both
              parties hereby irrevocably consent to said jurisdiction and venue.

     7.4      Assignment: This Agreement shall be binding upon and inure to the
              benefit of the parties hereto and their respective successors and
              permitted assigns, but neither this Agreement, nor any of the
              rights, interests or obligations hereunder shall be assigned by
              either party without the prior written consent of the other party,
              and any attempts to do so without the consent of the other party
              shall be void and of no effect.

     7.5      Confidentiality. Both parties acknowledge that in the performance
              of the terms of this Agreement, each party will disclose to the
              other certain confidential and proprietary information, including
              but not limited to business plans and practices, trade secrets,
              customer and employee files and lists, computer software/hardware,
              and marketing/advertising/promotional plans and practices. Each
              party agrees not to disclose, disseminate or to utilize any of the
              other's Confidential Information without the prior written consent
              of the other. Each party acknowledges that any breach or
              threatened breach of the provisions of this agreement will cause
              irreparable harm to the other and as a result, each party is
              entitled to obtain preliminary, temporary and permanent injunctive
              relief, in addition to all other remedies and damages, in the
              event of a breach or threatened breach thereof, without the need
              or obligation to post any bond or undertaking, which requirement
              is hereby waived.

     7.6      Entire Agreement: This writing constitutes the entire agreement
              and understanding between the parties. No other oral or written
              agreements or representations exist or are being relied upon by
              either party. Any modifications or additions hereto must be made
              in writing and signed by both parties.

     7.7      Other Miscellaneous:

              (a)        The paragraph headings used herein are for reference
                         purposes only and do not effect the meaning or
                         interpretation of this Agreement. If any provisions of
                         this Agreement are for any reason declared to be
                         invalid or illegal, the


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                         remaining provisions shall not be affected thereby.

              (b)        The failure of either party to enforce any or all of
                         its rights hereunder as they accrue shall not be deemed
                         a waiver of those rights, all of which are expressly
                         reserved.

              (c)        This Agreement may be executed in more than one
                         counterpart, all of which shall be deemed to be
                         originals.

              (d)        This Agreement shall not be binding unless a fully
                         executed counterpart has been delivered to all parties.

              (e)        In the event of a breach of any provision of this
                         Agreement, the non-breaching party shall be entitled to
                         recover, in addition to all other remedies and damages,
                         all of its reasonable attorney's fees and costs
                         incurred in enforcing its rights hereunder.

IN WITNESS WHEREOF the parties have executed this Agreement as of the day and
year first above written.

     RETURN ASSURED, INC.                       LIQUOR.COM, INC.

     By:                                        By:
                 --------------------                       --------------------
     Print Name:                                Print Name:
                 --------------------                       --------------------
     Title:                                     Title:
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