Hi,
  You might want to ask in the general AdWords support forum regarding the 
billing issues.  It usually depends on how billing is set up, but generally 
API charges are separate from charges for clicks, even if they are billed 
under the same MCC.

You can use the InfoService to discover how many API units were consumed by 
a given customer: 
http://code.google.com/apis/adwords/docs/reference/latest/InfoService.InfoSelector.html

You should probably contact your CSR regarding the liability question.

- Kevin Winter
AdWords API Team

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