GFM were doing it silently, i.e. you had to somehow find out your money wasn't going where you intended it to go and apply for a refund. That's Hitchiker's Guide level of "giving people a chance". Definitely in bad faith.

Kind of moot now it looks like. GFM were apparently a bit worried by chargebacks and state AGs announcing an investigation. They're now automatically refunding everyone. At least that's what they stated in a tweet.