Identify the unfair aspect with respect to the sentence extracted from an online Terms of Service:
```
funds are non-refundable and can not be exchanged for cash or credit . 

```
. OPTIONS: ['Unilateral change' 'Jurisdiction' 'Content removal' 'Choice of law'
 'Unilateral termination' 'Arbitration' 'Limitation of liability' 'None'
 'Contract by using'].