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I've managed about 5 refunds so far.
This is a special case though, even if the one refund rule were true.
Yes me too before this whole fiasco started, not heard anything back yet!
Don't do it that way. Just ask them.
Not from an Indemnity they can't, as they have no basis to cancel you account. That would just open up doors for a counter law suit.
Yes they can, read the terms of service and you'll realize it's written in a way which lets them ban you for anything they want.