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Hi there. The law isn't black and white, but this is pretty cut and dried. We've gone over all this extensively with our legal team. We are 100% within our rights to ban players and not refund them, at any time, just like AOL is. The only exception would be kicking people out based on their association with certain protected categories. We couldn't kick someone out because he or she was african-american, for instance. Similarly, the only guarantee we provide is that players will not lose credits. We explicitly state that the real or perceived value of what they spend those credits on may change. Kimberly never lost a single credit, only the product she purchased with those credits.
The analogy our lawyers gave us was going to a carnival and purchasing tickets to play games with. The carnival is completely within its rights to kick you out at any time, with no refund. Similarly, you have no recourse if you're unhappy with what you spend those tickets on.
Anyway, it's not something that's worth debating from my point of view. Our lawyers are experts on the matter and with all due respect, nobody on these forums has anywhere near their level of experience or knowledge on the subject at hand.
--matt
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