Well the worrying thing about their policy is the fact if you are selling anything which is transfered/delivered over the internet....you cannot claim a refund.

E.g a service, this is not covered under their buyer protection facility...so if you do pay someone for a service such as hosting, traffic, design or what not....all the seller has to do is confirm they delivered the service and you have no case.

Yep...this has happened to me.