The picture shows us that @Beezmans logged into the account without prior approval of the service owner, which in this case is @Decode. The Terms of Service state the you cannot log into the account during a service unless you have permission from the owner of the service, DOING SO WILL RESULT IN THE TERMINATION OF THE SERVICE WITH NO REFUND.
Verdict: @Beezmans is the one in fault here and @Decode does not have to refund @Beezmans for his loss.
Dispute closed.