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