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Here's how it works with AdSense and it will work the same with Yahoo.
Simply put, you cannot entice people to click on your ads. No warning, no second chance, no freebie. It says it right in their directions as plain as it can be stated. If someone else has something up there saying, "keep it free"... the intent is obvious and if caught, they will get busted too. Just because they haven't doesn't mean they won't. AdSense hasn't spotted it and nobody has reported it.
How did yours happen? Best guesses are that an irritated advertiser saw it and reported it. It's also possible that depending upon the volume of your account and how old it is... yes, a single click could get you booted.
Old accounts with long service records and thousands of clicks aren't going to get busted for a couple of errant clicks. Google's not stupid, they know that mistakes happen, and a long record will show that this isn't typical of the account. But then there are the new and/or low volume accounts that only make $50 per month, or the ones that put up some mesothelioma page and think they are going to click once and make $20 on their "mistake". These accounts are a waste of Google's time and they aren't going to give any second chances.
With regards to replying to your email, don't necessarily count on it. Google's heard it all before and there are very few admittedly guilty people. Everyone has an excuse. "it was an accident, my kid did it, it couldn't have been me because I was on vacation, the dog did it, the wife did it, my finger slipped when hovering over that mesothelioma ad, gremlins, my competition did it, yadda yadda. Bottom line, they have things to do besides argue with folks and they just don't care to deal with it. And if you happen to be real accident prone and they are going to make a total of a couple hundred on you in a year anyway, accounts like that aren't worth the hassle to them.
Sometimes I wonder why Google even bothers to accept certain accounts. The only thing I can figure is to keep market share and in the hopes that a small account could be bigger than it looks or develop into something spectacular.
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