Well to be honest ,this whole thing with copyrights are goes way to far,and many of companys TOS paragraphs/articles are brakeing some lows also.They cant do what ever they wan't you know,just so you know.Every country has low for copy right protection but that low also put many restriction on copyright owner and like I said most companys TOS are even 30-50% aginest these lows,but users never check this.I will give you one good example for web hosting companys,they terminate accounts very often but in 99% case users can get money back but they don't know how to do this.
If you read web hosting companys TOS you will found in every that say "no refund in TOS" for what ever reason,well gues what I'm provider and i can't do anything when customer ask for refund(if he has justification and if ask on right place),why because every payment merchant has own refund policy and only that policy is valid not mine,also these refund policys are strict.
2checkout has even suport sistme for end users and they don't give shit about provider policy,also if you pay with CC you can ask refund 6-12 months(depending which CC is) after payment directly in your bank or from merchant procesor who provide virtual terminal ,and provider can do anything(like I said if you have justification) because every merchants have own policy and they all hold some % of every transaction for 1-3 months just in case refund is requested.Ask any provider and they will tell you that charge backs after even 3-6 months are nothing un usual,I had one 7 months after payment.
So it is not like they can do anything they want,sure they can write in TOS what ever they want and even terminate your account but you can still get your money back,vbulletin also use merchant for cc procesing it is easy to find which is,after that you just need to look in merchant AUP/TOS and find hole,if that won't help than you can ask help from your bank.Companys TOS/AUP(I own company and I can tell for sure) is not ,and have not, any legal authority.Heck,where did you hear that every moron can write legal article,TOS / AUP must be matched with tens or more laws, some providers are understand this as a legal way to rob users, but in reality it does not work that way.