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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In the event that you become disabled (such that you are unable to use our Services) before the end of your subscription period, you shall be entitled to a refund of that portion of any payment you had made for your subscription which is allocable to the period after your disability...
The refund will cover the relevant subscription fee prorated from the date you request cancellation to the end of the relevant subscription period you have paid for.
If you request and obtain a refund, your subscription to the Services will be terminated as soon as the refund is initiated.
"the Buyer will not be eligible for a prorated refund of any portion of the Subscription price paid for the then-current Subscription Period.Excerpt from Gumroad's Terms of Service
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The clause states: “the Buyer will not be eligible for a prorated refund of any portion of the Subscription price paid for the then-current Subscription Period.”
ConductAtlas has identified this type of provision across 178 platforms. See the full comparison.
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