Unless they force binding arbitration in their terms. This is quite common and precludes you from going to court.

Which is why such terms should be illegal.

Yup. Binding arbitration clauses should be taken out with a RKEW as nuke from orbit means you're way too close.

// RKEW - Relativistic kinetic energy weapon

They're not even getting arbitration now- a professional arbitrator would likely find in their favor, at least as far as monies owed.