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Valve has anti VPN policy in their subscriber agreement. They say that you are not allowed to use an "IP Proxy" or any other form of "hiding your location" despite the fact that IP doesn't expose your location in the first place. Banning VPNs for no good reason.

Problems 1 with this policy: IP location doesn't equal your geographical location in the first place, so it's flawed in its basic principle already and doesn't achieve what the original intention was. (I even lived in a place where my IP location was in another country.)

Problem 2 with this policy: I asked and they replied it's to prevent compromised accounts requesting refunds to steal$. Which is a load of BS - refunds should always be processed to the original purchasing method, therefore no theft can happen that way.