Firstly, I really like the shopping bag with your logo on it

How did you do that, was it some type of box shot software or a good graphics person.
You may have to lower your expectation with regard to online sales. People will be very hesitent to just sign up without a prior relationship for a product that you are providing (Just my opinion)
I dont know anything about what you are offering so make the ideal candidate to explain what might be going wrong.
The first thing I see is it does not pass the 10 second test, after 10 seconds I still have no idea what it is you are offering.
I dont know if you are targeting ordinary people, people in the finance industry etc etc, its not clear.
Am I getting a rebate for sending business to you or is it giving you my business that gets the rebate.
In my mind, you have to make your message far simpler than what it currently is.
While most of the web site design is faultless and looks really good, for some reason, I find the blocks of text hard to read, its not the size, maybe the space between the words (line space combine with word space) is making it hard. I cannot put my finger on it though.
Also, if it was me, I would probably get rid of the "Adobe acrobat reader" link and associated text.
Most people now know that you need this and you are taking up valuable front page realestate.
I think it may be a hangover from when adobe reader was fairly new.
Overall though, I think the main problem is I dont know what you are offering and I dont know who you are targeting within 10 seconds of landing on your page.