Does Moola respect consumer laws?

I was trying to understand the "No, Moola is not refundable" in relation to consumer laws as previously the EA policy was 14-days if not downloaded or other specific circumstances. If we have to use Moola to buy a kit, but Moola can't be refunded, then how does this work with consumer laws?

When trying to understand this, I came across this guide by the European Commission that seems to describe Moola as everything a company shouldn't be doing 😅. I don't have a legal background so I'm struggling to understand if Moola is not covered by the legislation stated here, and how I can actually understand my rights if there's some sort of legal loophole used?

For example, if I want to buy the 1000 Moola pack so I'm not overpaying for a kit price, can I not refund the remaining unspent Moola within 14 days? 

Denying consumers’ right to withdraw from a contract for the purchase of in-game virtual currency within 14 days for any in-game virtual currency that remains unused

Also if there is a technical issue that makes the content unplayable, I believe I could also get a refund when buying a pack/kit directly. Does Moola make this no longer possible?

If anyone can share insight on this or where I can find EA policies about Moola that's inline with what the European Commission have published, please respond. I also don't mind discussion on the topic here (such as for other countries etc)