It's rare unless you have those written in their term & condition.

So, as the user you can use that against them for your claim. But, the only most things you can do (Verify First > You can withdraw them after that). There also has some problem, when people deposit using an exchange hot wallet (this action only can be refunded by using sender address funs).

Yap, just like I tough (Required verify > withdraw > and you can closed your account)