The Part of the User Agreement they're talking about:

NCcoin means one of the Game's cyber currency. Used within the Game for accessing various services, such as accessing or purchasing Additional Features that NC Interactive elects to offer. NCcoin Recharge (hereinafter known as "Recharge") means paying cash to NC Interactive through a payment method designated by NC Interactive in order to secure a certain amount of NCcoin. $1.00 has the same value as 100 NCcoin. Promotional NCcoin means NCcoin that is not recharged by you through the designated payment method, but obtained by you (i) at NC Interactive events that are held non-periodically or (ii) by playing the Game. It can also be converted from gifts received from third parties, such as NCcoin bundles.

NCcoin Recharge is only available for Members. NCcoin Recharge is available in units of $1.00, 5.00, $10.00, and $20.00. These units are subject to change by NC Interactive. NC Interactive may offer bonus NCcoin on NCcoin Recharge of $5.00 or more. When deemed necessary, NC Interactive may limit the recharged amount or amount of NCcoin in possession per period, and apart from this, limitation of the recharged amount by payment method may be determined. NC Interactive may designate a limit of NCcoin that may be possessed per account.

NC Interactive may disapprove or cancel future NCcoin payments if any of the following apply:

Payment is not made or when confirmation is not possible.
If it is determined that an NCcoin payment cannot be made due to material mistakes by you.
If you use another user's payment information or make an unlawful transaction.
If you utilize the Services by using another person's name or personal information.
If you transfer or sell the rights of NCcoin services to a third party.
If you abuse the payment method and/or engage in unlawful activity.
Hacking or similar behavior that damages systems.
If it is determined that any part of the Registration Date (as defined in Section 4(h)) is false.
Any violation of these terms and conditions.
When you acquire NCcoin, you obtain a limited license to a digital good. NCcoin is not personal property. NCcoin is used to access and/or purchase Additional Features. NCcoin is deducted at the time Additional Features are purchased and/or accessed. Promotional NCcoin in your account will be deducted from your account prior to the deduction of any NCcoin purchased by you in your account. No interest is paid or earned on any remaining NCcoin balance. NO REFUNDS ALLOWED. Some Additional Features purchased with NCcoin may only be used for a limited time (hours, days, etc.) as set forth at the time of purchase or acquisition. When you purchase or acquire time-limited Additional Features with NCcoin and stop using such Additional Feature, there will be no refund of NCcoin for any unused time for such Additional Feature. At such time as NC Interactive determines, NCcoin shall accumulate and expire through twelve (12) rolling month periods. NCcoin accumulated starting with your first acquisition of NCcoin or Promotional NCcoin will expire each twelve (12) month period as they reach a twelve (12) month period age. NCcoin will also expire immediately upon termination of this Agreement for any reason. NCcoin is not redeemable for cash or credit and is not transferable regardless of how you acquired the NCcoin. Your only recourse for using NCcoin is to obtain the Additional Features that we offer for NCcoin redemption. NC Interactive may restrict your NCcoin redemption offers based on your country of residence. NC Interactive encourages you to redeem your NCcoin. The existence of a particular offer available for NCcoin is not a commitment by us to maintain or continue to make such offers in the future. The scope, variety and type of Additional Features that you may obtain by redeeming NCcoin can change at any time. NC Interactive has no obligation to continue making offers available for NCcoin redemption.

NC Interactive may cancel, suspend or otherwise limit your access to your NCcoin balance if we suspect fraudulent, abusive or unlawful activity on your NCcoin balance. Once we delete NCcoin from a balance, we will not reinstate them, except at our discretion. When we cancel, suspend or otherwise limit access to your NCcoin balance, your right to use your NCcoin balance immediately ceases. NC Interactive will use reasonable efforts to investigate NCcoin balances that are subject to access limitations and to reach a final decision on the limitations promptly. In addition, NC Interactive may limit your use of the NCcoin service, including applying limits to: the number of NCcoin you may have credited to your NCcoin balance at one time, the number of NCcoin you may redeem within a given time period (for example, one day), and the number of Promotional NCcoin you may obtain per promotion.
They also have this line in there:
YOU UNDERSTAND AND AGREE THAT NC INTERACTIVE HAS THE RIGHT, BUT NOT THE OBLIGATION, TO REMOVE ANY CONTENT (INCLUDING YOURS) IN WHOLE OR IN PART AT ANY TIME FOR ANY REASON OR NO REASON, WITH OR WITHOUT NOTICE AND WITH NO LIABILITY OF ANY KIND.