At least
Uber gives you warning, Ola blocked my account without any warning or possible reasons, I only refunded a ride once out of at least 100 rides i took on Ola that too because the driver was drunk and I had to get another cab in middle of highway after 10 KM of my 50 KM ride because he was out of CNG, rarely used any coupons either.
Regarding rating on Uber, it highly depends on the driver, once a driver started ride before reaching to my location and then ended the ride soon after, my rating dropped from 4.91 to 4.6 after that so definately depends upon your luck
Edit- Ola blocked my device as well.