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[Goji1639]

Which specific consumer rights are it violating, if you don't mind? With citations to consumer laws and legal precedents, please.

Depends on how the ToS is used. The ToS claims that you can be banned for any reason. If that stipulation is used to permanently ban someone who has just paid for a year of service, but hasn't done anything to warrant a ban, then SE's actions are theft.

SE wouldn't be that stupid, though. That stipulation is obviously a catch all for forms of abuse or indiscretion that may not be clearly outlined in the user agreement. SE knows that clause wouldn't legally excuse theft; it's just some misinformed people on these forums who think it would.