I'm speaking toward Europeans of course, the US does not operate under civil law.
Epic doesn't get to set the law, the country where the consumer resides does. France for example operates under civil law and arbitration clauses are void (in consumer contracts not in B2B).
Users should ask for refund and charge back if they can't get a refund, preferably keeping a paper trail of the requests. The legal details are only relevant if one goes to litigation (this sadly happens regularly for example with children bankrupting their parents with in-game purchases).
Epic doesn't get to set the law, the country where the consumer resides does. France for example operates under civil law and arbitration clauses are void (in consumer contracts not in B2B).
Users should ask for refund and charge back if they can't get a refund, preferably keeping a paper trail of the requests. The legal details are only relevant if one goes to litigation (this sadly happens regularly for example with children bankrupting their parents with in-game purchases).