Wee Eddie is absolutely correct when he says:
"As far as we know, and no one has yet been able to prove otherwise, a simple visit to the Front Page of a site using the MBS Software is insufficient to download the their Software."
I have visited the home page of a site that has the MBS billing system associated with it many times, and no software has ever been downloaded to my computer. You must click to accept the terms and conditions before the software is downloaded.
In saying that I'm not inferring that those who deny ever visiting the site are lying - I'm simply confirming my personal experience. Since I started working on the MBS issue I've tried hard to find out how this software might appear on my computer without any voluntary participation on my part, and I've failed.