1) It specifically states in the pointclick TOS that you have to click to the site via pointclick to make the purchase.
Who cares? They show you the TOS what, once, and there's no link to it anywhere on their page? Plus, every other place they mention the "4 necessary steps" to earn a reimbursement, they fail to mention that you must click to the site via pointclick. No wonder they don't enforce it--they can't.