Don't buy games from people who hate you: Hooded Horse.
(www.youtube.com)
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Second comment : to be clear, the man in the video absolutely can, and should do a chargeback. Anyone else can put themselves in that situation, and then also do a chargeback.
And, depending on where you live TOS don't mean anything. It's illegal in some states for entities to ask you to sign rights away. If people actually wanted to cause harm to that company it could be done. Easily.
You don't have a right to commit fraud lol.