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 reserve the right to issue refunds, credits, or discounts at our sole discretion. If we issue a refund, credit, or discount, we are under no obligation to issue the same or similar refund in the future...
At any time for any reason, we may provide a refund, discount, or other consideration ("credits") to some or all of our users. The amount and form of such credits...are at our sole and absolute discretion.
If our mobile application fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price of the mobile application to you.
"Gumroad will handle Buyers' requests for refunds, chargebacks and other disputes with Buyers in Gumroad's sole discretion.Excerpt from Gumroad's Terms of Service
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The clause states: “Gumroad will handle Buyers' requests for refunds, chargebacks and other disputes with Buyers in Gumroad's sole discretion.”
ConductAtlas has identified this type of provision across 178 platforms. See the full comparison.
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