Money Merge Account Review

I'm looking into "Money merge account".  It claims you can pay off your mortgage in as little as 1/3 to 1/2 off the time. It claims  that no refiancing of existing mortgage, and is not a bi-weekly or debt roll down program.  Has anyone heard of this? If you google "Money merge Account", there is a mini video that explains how it works using a home equity loan, and they sell you some kind of computer programing, that tells you when to transfer money from one account to another to pay off mortgages and bills. 

Is this ligit, is this a real product, is it a rip off???