This analysis describes what Gumroad's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The updated terms authorize Gumroad to place holds on supplier earnings indefinitely based on suspected violations, elevated chargeback risk, misleading marketing, incomplete identity verification, or payment partner requirements—without specifying a maximum hold period or guaranteed release timeline. Held funds remain in account balances but do not accrue interest and are not applied to Gumroad's benefit. The company will notify suppliers where practicable, but may withhold notice if it would compromise investigations or risk controls. Suppliers retain the ability to continue selling even while funds are held, but cannot access those earnings until Gumroad determines the basis for the hold has been resolved to its reasonable satisfaction.
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We will refund your money within three (3) business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into an account of the designated recipient.
If your reservation via the App is rejected after your request, you'll receive the applicable refund assuming your payment method was actually charged.
For subscribers and purchasers of Virtual Items residing in the Republic of Korea: in accordance with local law, you are entitled to a full refund of your subscription and/or unused Virtual Items during the 7 days following the purchase.
"If you request a refund and also pursue a dispute resolution process for the same transaction with your payment method provider...we will decline your refund request.Excerpt from Gumroad's Terms of Service
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The clause states: “If you request a refund and also pursue a dispute resolution process for the same transaction with your payment method provider...we will decline your refund request.”
ConductAtlas has identified this type of provision across 178 platforms. See the full comparison.
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