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As for why they won't let you cash out money you never put in, there are about a dozen reasons, but let's start with: So they kow you're an adult, and not some 8 year old kid.
I don't understand what the problem is. It's not like this is some fly by night site you can't trust. It's freaking Party Poker. Fill out the form and press the button and be done with it.
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