I understand the 'no refund' policy, and I have absolutely NO problem, if that is their policy.
What I did have a problem with was the "can't, It's against TOS" smoke-screen, without any actual proof. I simply asked them to direct me to the proper documentation.
In RL, stores have to have "NO REFUNDS" posted in a highly visible location to be able to point to it and go "SEE?!".
I've already written off the L$ as 'my bad'. I'm just the type of person that likes to see 'the talk' that matches 'their walk'.
Thanks for the responses, I really appreciate the clarifications!