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Very few games 2014 are worth 99% off, let alone 75%. It would be one thing if Steam had a refund policy besides "no", or if I could simply resell keys, but since I can't do either, can't be bothered.
Steam actually has a refund policy. It's called opening a dispute on Paypal.
Any Steam transaction I've attempted to dispute I've lost. Eventually got tired of trying
Steam does refund in some cases, where the game really isn't as advertised or something.